VantageScore

UWM moves to dual-score model, auto-selects best result

Lender will obtain both FICO and VantageScore on every credit pull

HousingWire•Flávia Furlan Nunes9h ago

Pennymac deploys VantageScore 4.0 across all production channels

The move follows FHFA and HUD guidance that opened conventional and FHA lending to competing credit score models

HousingWire•HousingWire Automation5 Oct

Mortgage Banking Summit: FHFA’s unified LLPA grid for FICO, VantageScore raises investor concerns

Summit participants question how investors will treat VS4-driven MBS pools

HousingWire•Flávia Furlan Nunes1 Oct

• neutral toward Robert Fico · 99%

You may not just have one credit score

Fannie Mae and Freddie Mac now allow VantageScore 4.0 as an alternative to Classic FICO for eligible loans

HousingWire•Jesse Brewer30 Sept

FHFA says Fannie, Freddie will use one LLPA grid for FICO and VantageScore

Change follows lender feedback after VantageScore 4.0 was approved for eligible conventional loans earlier this month

HousingWire•Sarah Wolak29 Sept

• neutral toward Robert Fico · 99%

Bill Pulte’s tweet cost FICO shareholders $4 billion

After Bill Pulte put VantageScore alongside FICO credit scores on Fannie Mae’s mortgage pricing grid, FICO stock crashed by $4B.

Protos•Aaron Wise29 Sept

• neutral toward Robert Fico · 96%

Rocket Mortgage will make VantageScore 4.0 its default credit model

Rocket says a 4-month test using 1.4 million reports helped some borrowers qualify and improved pricing outcomes

HousingWire•HousingWire Automation29 Sept

• neutral toward VantageScore · 91%

UWM’s Mat Ishbia backs VantageScore 4.0, says Underwriting+ results are ‘off the charts’

At last week’s AIME Fuse event, Ishbia also shared his thoughts on UWM’s new Underwriter+ program

HousingWire•Neil Pierson28 Sept

• neutral toward VantageScore · 94%

Mortgage credit scores are evolving. What homebuyers need to know

Mortgage lenders that work with Fannie Mae and Freddie Mac, government-sponsored enterprises, have the green light to use VantageScore 4.0 if they want to.

CNBC15 Sept

MISMO board adds VantageScore, Guild and FICO leaders amid credit modernization push

Anthony Hutchinson of VantageScore, Gemma Currier of Guild Mortgage and Eric Lapin of FICO are the new board members

HousingWire•HousingWire Automation11 Sept

Fair Isaac Corp. shares plunge 21% as Bill Pulte orders end to FICO’s credit scoring monopoly

The shift to VantageScore could democratize credit access, challenging FICO's dominance and potentially reshaping mortgage underwriting practices.

CryptoBriefing•Editorial Team4 Sept