GSEs broaden VantageScore 4.0 access to all lenders

New Credit Score Rules Break FICO’s Mortgage ‘Monopoly’

The Federal Housing Finance Agency (FHFA) directed Fannie Mae and Freddie Mac on Thursday to require disclosure of a VantageScore 4.0 credit score on every mortgage they securitize, the latest step in a rapid overhaul of how U.S. home loans are underwritten after decades of near-exclusive reliance on Classic FICO models. For borrowers, it means lenders selling loans to those government-sponsored enterprises (GSEs) can now use a newer score that often runs a bit higher and can count on-time rent, rather than only the old FICO snapshot.

FHFA Director Bill Pulte Just Nuked Credit Scores – 100PercentFedUp.com – by Jack

FHFA Director Bill Pulte expanded VantageScore 4.0 access to all approved Fannie Mae and Freddie Mac lenders, while Classic FICO remains eligible.

GSEs broaden VantageScore 4.0 access to all lenders

Fannie Mae and Freddie Mac now allow all lenders to use VantageScore 4.0; early data shows VS4 at 5.6% of GSE originations in August.

FHFA Director Bill Pulte Just Nuked Credit Scores

FHFA Director Bill Pulte expanded VantageScore 4.0 access to all approved Fannie Mae and Freddie Mac lenders, while Classic FICO remains eligible.

FHFA Directs Federal Mortgage Originators to Accept VantageScore Credit Numbers

New credit score model to be accepted by the wider market. Federal Housing Finance Agency (FHFA) Director Bill Pulte has directed Freddie Mac and Fannie Mae to accept VantageScore 4.0 credit scores.  Director…

GSEs broaden VantageScore 4.0 access to all lenders - Boston Real Estate Investors Association

VantageScore 4.0 is now available to all Fannie Mae– and Freddie Mac-approved single-family lenders, allowing sellers to choose between Classic FICO and the newer model, Federal Housing Finance Agency (FHFA) Director Bill Pulte announced on social media. Both announcements — made via Fannie Mae’s Lender Letter LL-2026-06 and Freddie Mac’s Bulletin 2026-H on Wednesday