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FHA and GSEs Adopt VantageScore 4.0 and FICO 10T, Ending Decades-Long Credit Score Monopoly

The government-sponsored enterprises have opened their alternative credit scoring model to all approved lenders, breaking a long-standing monopoly and potentially qualifying millions of thin-file borrowers for homeownership.

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The expansion of VantageScore 4.0 allows lenders to factor rent and utility payments into mortgage approvals.From: Fannie Mae and Freddie Mac Expand VantageScore 4.0 Option to All Single-Family Lenders

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VantageScore 4.0 incorporates trended data and non-traditional payment histories to assess borrower risk.From: Fannie Mae and Freddie Mac Expand VantageScore 4.0 Option to All Single-Family Lenders ·
Trended data models analyze a borrower's financial behavior over 24 months, rewarding consistent debt reduction.From: FHA and GSEs Adopt VantageScore 4.0 and FICO 10T, Ending Decades-Long Credit Score Monopoly ·
The alternative scoring model is expected to help millions of thin-file borrowers qualify for conventional home loans.From: Fannie Mae and Freddie Mac Expand VantageScore 4.0 Option to All Single-Family Lenders ·
By breaking the single-score monopoly, regulators aim to expand access to the housing market for creditworthy renters.From: FHA and GSEs Adopt VantageScore 4.0 and FICO 10T, Ending Decades-Long Credit Score Monopoly ·

Timeline

September 2026

  1. Fannie Mae and Freddie Mac Expand VantageScore 4.0 Option to All Single-Family Lenders

August 2026

  1. FHA and GSEs Adopt VantageScore 4.0 and FICO 10T, Ending Decades-Long Credit Score Monopoly