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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 $1 billion over the first year of full adoption of VantageScore 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.
Mortgage FAQs
Frequently Asked Questions about VantageScore 4.0 for Mortgage.
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™.
OGMA Risk and Analytic Study
VantageScore 4.0 for Mortgage Pre-screening and Pre-approval
Deep Future Analytics Study
VantageScore 4.0 and Classic FICO Comparison
VantageScore Accessible Mortgage Lending
Lenders nationwide are already realizing the benefits of VantageScore 4.0 for mortgage. Contact us to to start your pilot today!