FHFA Approves VantageScore 4.0 for All Fannie Mae and Freddie Mac Mortgages

Business Wire··US·Read original
2▲3 ▼0Impact / 5
Summary · why it matters

The Federal Housing Finance Agency has directed Fannie Mae and Freddie Mac to accept VantageScore 4.0 credit scores from all mortgage origination lenders, effective immediately. VantageScore 4.0 uses 400% more data than legacy credit scores, making it more predictive and helping identify more qualified borrowers, including approximately 33 million additional U.S. adults, nearly 5 million of whom are mortgage-ready. The FHFA's approval is expected to save over $930 million in the first year, according to a study by Deep Future Analytics. VantageScore 4.0 has already been adopted by Rocket Mortgage, the Federal Housing Administration, the Federal Home Loan Banks, and the U.S. Department of Veterans Affairs, and as of August 31, 2026, it has been used for over 9% of all mortgages securitized by Fannie Mae and Freddie Mac since May 1, 2026.

Impact on assets 5

Financials▲ · 2 stocks
Freddie Mac
0IKZ
▲ PositiveRegulationrelevance

FHFA directs Freddie Mac to accept VantageScore 4.0 for all mortgage originations, expected to save over $930 million in the first year.

Fannie Mae
0IL0
▲ PositiveRegulationrelevance

FHFA directs Fannie Mae to accept VantageScore 4.0 for all mortgage originations, expected to save over $930 million in the first year.

Digital Finance & Tokenization▲ · 1 stocks
Rocket Companies Inc
RKT
▲ PositiveRegulationrelevance

VantageScore 4.0, which Rocket Mortgage has already adopted, is now approved for all Fannie Mae and Freddie Mac mortgages, expanding the credit-score options Rocket can use.

Aging Population▲ · 1 stocks
Consumer Staples▲ · 1 stocks

Off-coverage companies 2

VantageScore Solutions, LLCPrivate▲ Positive
Regulationrelevance

FHFA approves VantageScore 4.0 for all Fannie Mae and Freddie Mac mortgages, a major regulatory adoption win for the credit-scoring model.

Deep Future AnalyticsPrivate± Mixed
relevance

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