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More Predictive. Increased Loan Production. Start Using VantageScore 4.0 Today!
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By approving VantageScore 4.0, the FHFA has ended FICO’s government-sanctioned monopoly on mortgages. This change could save mortgage lenders $600 million in 2026 and enable more creditworthy consumers to access mortgages.
VantageScore 4.0 demonstrates substantially superior predictive performance to Classic FICO by more than 11%. There has not been any published analysis comparing VantageScore 4.0 and FICO 10T for Mortgages.
VantageScore 4.0 is the only credit score accepted by Fannie Mae and Freddie Mac that incorporates trended and alternative data, such as rental and utility payments.
The GSEs have approved VantageScore 4.0 for mortgages, which has been shown by multiple independent studies to perform significantly better than FICO Classic in economic downturns.
VantageScore was the most used credit score in the United States in 2024, with 42 billion scores generated.
Resource Center
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
Lenders nationwide are already realizing the benefits of VantageScore 4.0 for mortgage. Contact us to to start your pilot today!