This blog curates key headlines from trusted sources and adds expert insights from the Informative Research team to help lenders make smarter decisions, manage costs, and stay ahead of change.
Weekly Real Estate News reported Oct. 1 that the Federal Housing Finance Agency is preparing to direct Fannie Mae and Freddie Mac to require mortgage lenders to pull credit data from two of the three national credit bureaus instead of all three, according to a person familiar with the plans cited by Bloomberg Law. FHFA has not formally...
In a post on X published September 28, FHFA Director Bill Pulte announced that Fannie Mae and Freddie Mac will combine their separate loan level pricing grids for FICO and VantageScore 4.0 into a single grid, with VantageScore now joining the existing FICO Classic pricing structure. Pulte did not set an effective date or publish a...
In a press release published September 29, TransUnion announced it will extend its mortgage pricing for VantageScore® 4.0 through December 2028, giving lenders, resellers, and other industry participants three more years of pricing certainty. Read the full announcement. VantageScore 4.0 will continue to be available for $0.99 per...
FHA announced on September 10 that FHA approved lenders will be able to use FICO® Score 10T and VantageScore® 4.0 for mortgage underwriting starting January 1, 2027, per FHA INFO 2026-21 (look for the September 10, 2026 entry).
On September 9, Fannie Mae issued Lender Letter LL-2026-06 and Freddie Mac issued Bulletin 2026-H, making VantageScore® 4.0 available to every approved seller, effective immediately, with no prior approval required. This formalizes FHFA Director Bill Pulte's September 3 directive and ends the limited rollout that began in May.
In a post on X published the evening of September 3, FHFA Director Bill Pulte said he is instructing Fannie Mae and Freddie Mac to immediately approve all lenders to use VantageScore 4.0, expanding a limited rollout he announced in April.
On its second quarter 2026 earnings call, held July 21, Equifax told investors it will keep its $1 price for the VantageScore 4.0 mortgage credit score in place at least through the end of 2027. You can find the earnings materials on Equifax's investor relations site. CEO Mark Begor said adoption is picking up as the FHFA opens the model...
In a HousingWire article published July 10, the Mortgage Bankers Association shared a new study on what would happen if lenders used a single credit score for mortgage underwriting instead of the current multiscore method. HousingWire is a subscription source, so you may hit a paywall. The short version is that moving to one score would...
On July 1, Fannie Mae and Freddie Mac published historical credit score data for FICO Score 10T and additional data for VantageScore 4.0. The two government sponsored enterprises say the release is meant to give lenders and analysts more transparency as the industry works through the move to newer credit score models.
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