VantageScore 4.0 for Mortgage

Lenders who sell loans to Fannie Mae or Freddie Mac can now use VantageScore 4.0 to unlock mortgage opportunities for millions of borrowers.

More Predictive.
Increased Loan Production.
Start Using VantageScore 4.0 Today!

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July 25, 2025

VantageScore 4.0 Brings New Predictive Power and More Data to Fannie and Freddie Backed Mortgages: VantageScore® CEO on Bloomberg TV

July 18, 2025

Modernizing the Mortgage Credit Scoring System is Long Overdue, VantageScore CEO tells CNBC

July 11, 2025

VantageScore on Schwab Network: VantageScore 4.0 Is Huge Opportunity for Homebuyers

VantageScore 4.0 Mortgage
Resource Center
The VantageScore Mortgage Resource Center helps lenders transition to VantageScore 4.0 for mortgage lending.
A New Era in Mortgage Credit Scoring
On July 8, 2025 FHFA Director Bill Pulte announced that lenders be allowed to use VantageScore 4.0 credit scores. This follows the 2018 law that President Trump signed previously known as the “Credit Score Competition Act," ushering in a shift toward more modern credit scoring models.
Adoption by Major Mortgage Enterprises

Mortgage Migration Playbook

VantageScore Migration Playbook outlines how to implement VantageScore 4.0 for underwriting mortgages.

Impact Whitepaper

Impact of Requiring VantageScore 4.0 for Mortgage Whitepaper.

Mortgage FAQs

Frequently Asked Questions about VantageScore 4.0 for Mortgage.

VantageScore 4.0 Predicts More Defaults in Mortgages

49% More Pandemic-Era Mortgage Defaults Detected by VantageScore 4.0 Compared to Classic FICO

FHFA's Credit Score Updates

Watch our latest webinar about FHFA's Credit Score Updates.

Digital Analytics Tools

Lenders gain timely data insights into the predictive and inclusionary power of VantageScore via a suite of free access tools: CreditGauge™, Inclusion360®, RiskRatio™ and MarketGain™.

External Resources

Ready to Start a VantageScore 4.0 Mortgage Pilot?

Lenders nationwide are already realizing the benefits of VantageScore 4.0 for mortgage. Contact us to to start your pilot today!

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