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.
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.
In a HousingWire article published June 18, reporter Sarah Wolak covered new legislation from Rep. Nikema Williams that would ask mortgage lenders to look beyond a traditional credit score when a borrower requests it. You can read the full story here, though HousingWire requires a subscription.
In a National Mortgage Professional article published May 27, FHA reinforced that it will continue requiring tri-merge credit reports as it prepares to adopt VantageScore 4.0 and FICO 10T.
In an FHFA news release, the agency shared updates on how newer credit score models will be introduced into mortgage underwriting. Lenders will have the ability to work with both VantageScore 4.0 and Classic FICO, with changes rolling out over time. A HousingWire article (subscription required) adds additional detail around how the...
In a recent press release published by Andrew Davidson & Co., Inc., the firm shared new research highlighting how credit score differences across bureaus could impact costs for both consumers and mortgage investors. The release outlines findings from a large scale dataset that looks at how single bureau reporting could compare to the...
In December 2025, Freddie Mac issued Bulletin 2025-16, introducing a new governance framework requirement for the use of artificial intelligence (AI) and machine learning (ML) by mortgage sellers/servicers. The new requirements, effective March 3, 2026, are designed to ensure the ethical, transparent, and safe deployment of AI in the...
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