- The Top 30 Largest Mortgage Originators in the U.S. Now Use VantageScore 4.0
- VantageScore 4.0 Delivers More Predictive Decisioning by Leveraging More Data While Reducing Costs and Risk
SAN FRANCISCO — June 1, 2026 — VantageScore today announced that homebuyers can now use VantageScore 4.0 credit scores to qualify for home loans at the top-30 mortgage lenders, including Rocket Mortgage – the largest mortgage lender. VantageScore 4.0 is available to those who apply for home financing directly with Rocket Mortgage or through one of the thousands of mortgage brokers who are partnered with Rocket Pro. This additional credit score option is intended to help make homeownership accessible for millions more creditworthy Americans.
Rocket is relentless in our mission to help more Americans achieve the dream of homeownership. While offering new products is a major part of expanding access, we are constantly evaluating the process itself to ensure there are safe, smart and new ways to qualify homebuyers,” said Bill Banfield, Chief Business Officer of Rocket Companies. “By integrating VantageScore 4.0 into our direct-to-consumer and Rocket Pro processes, we’re opening the door to millions of aspiring homeowners.
Last month, the Federal Housing Finance Agency (FHFA) and the Federal Housing Administration (FHA) announced the full implementation of VantageScore 4.0 across the government-sponsored mortgage sector, one of the most significant advancements for the U.S. mortgage market in decades. As a result, Rocket Mortgage, along with other top-30 mortgage lenders, rapidly implemented VantageScore 4.0 to offer creditworthy borrowers improved pricing, eligibility, and more loan approvals.
Today’s consumers deserve a credit score that reflects the full picture of their financial behavior, leveraging more data, including rental data and trended data,” said Tony Hutchinson, EVP and Head of Public Affairs at VantageScore. “Rocket’s adoption of VantageScore 4.0 demonstrates industry leadership and a commitment to using innovative, data-driven solutions that responsibly broaden access to mortgage financing.
VantageScore generates credit scores for approximately 94% of adults in the U.S., up to 33 million more Americans than competing models, providing more creditworthy consumers with greater access to mainstream credit and financial services. VantageScore 4.0 uniquely incorporates alternative credit data, such as rent payments and utility bills, alongside traditional credit data to provide a more comprehensive and inclusive assessment of credit risk.
Mortgage lenders are encouraged to explore the benefits of VantageScore 4.0 by visiting the VantageScore Mortgage Resource Center. Lenders and partners interested in adopting VantageScore models or participating in pilot programs can contact their credit bureau representatives.
About VantageScore®
VantageScore is the fastest-growing credit scoring company in the U.S., and is known for the industry’s most innovative, predictive and inclusive credit score models. In 2024, usage of VantageScore increased by 55% to hit 42 billion credit scores. More than 3,700 institutions, including nine of the top 10 U.S. banks, use VantageScore credit scores and digital tools to provide consumer credit products or generate greater insights into consumer behavior. The VantageScore 4.0 credit scoring model scores 33 million more people than traditional models. With the FHFA allowing the immediate use of VantageScore 4.0 for Fannie Mae and Freddie Mac guaranteed mortgages, the company is also ushering in a new era for mortgage lending.
VantageScore is an independent joint venture company owned by Equifax, Experian and TransUnion.
About Rocket Mortgage
Detroit-based Rocket Mortgage (NMLS #3030) is the nation’s largest mortgage lender and a part of Rocket Companies (NYSE: RKT). The lender enables the American Dream of homeownership and financial freedom through its obsession with an industry-leading, digital-driven client experience. In late 2015, it introduced the first fully digital, completely online mortgage experience. Since its founding in 1985, Rocket Mortgage has closed more than $2 trillion of mortgage volume across all 50 states.
J.D. Power has ranked Rocket Mortgage #1 in client satisfaction for both primary mortgage origination and servicing 23 times – the most of any mortgage lender. Rocket Companies, Rocket Mortgage’s parent company, has placed in the top third of Fortune’s list of the “100 Best Companies to Work For” the list for 23 consecutive years.
For more information and company news visit RocketCompanies.com/PressRoom.
