07/25/2025
Vantage Score News!
VantageScore 4.0 Update – Pending GSE Timeline
2 min read
VantageScore is gaining importance in the mortgage industry because it can potentially help more people qualify for loans and access better interest rates, especially those with limited or thin credit histories. Its scoring model, especially VantageScore 4.0, utilizes more recent data and trended credit attributes, including alternative data like rent, telecom, and utility payments, to provide a more comprehensive view of a borrower's creditworthiness. This can lead to increased access to credit
Update regarding the anticipated rollout of VantageScore 4.0 across the mortgage industry.
As of now, Fannie Mae and Freddie Mac have not provided an official implementation timeline. Both GSEs have confirmed that adopting VantageScore 4.0 is a top priority and they are actively working toward acceptance. However, the industry continues to wait for formal guidance and launch dates.
Feedback from Credit Agencies & Vendors:
Cisco Credit:
"Fannie Mae and Freddie Mac are actively working toward accepting VantageScore 4.0. While they’ve confirmed it’s a top priority, no timeline has been provided yet. Updates will be shared as progress continues."
Advantage Credit:
"Due to the nature of the announcement, many implementation details remain unclear. The GSEs are still working through requirements and gathering input from across the industry.
Our team is closely engaged with both Fannie Mae and Freddie Mac to gain clarity on timing, technical specifications, and what will be required for full readiness.
There are still several key questions circulating across the industry:
• Can VantageScore be delivered in place of FICO?
• How will VantageScore be selected and used in mortgage loan decisions?
• Are LOS platforms prepared to support the new model?
We are actively working toward integration and will continue to keep our clients updated as new information becomes available."
