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Fannie Mae and Freddie Mac’s New Credit-Score Rules Shake Up Mortgage Lending

Summary by wealthiertoday.com
Fannie Mae and Freddie Mac now allow eligible lenders to use VantageScore 4.0 alongside Classic FICO, reshaping mortgage underwriting and loan pricing.
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4 Articles

American BankerAmerican Banker

Lenders should weigh risks vs. cost in credit options

Mortgage firms can decide if what the FHFA has given them to size up VantageScore is compelling and may have to make a call on tri-merge alternatives too.

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ekonomim.comekonomim.com

Major Changes in the US Housing Loan System: A New Era in the Mortgage Market.

US housing finance giants Fannie Mae and Freddie Mac have allowed the use of the competing VantageScore credit scoring system, in addition to FICO, in mortgage applications. According to the Wall Street Journal, this change, aimed at increasing competition and facilitating access to housing loans, has sparked new debates about credit risks and borrowing costs.

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wealthiertoday.comwealthiertoday.com

Fannie Mae and Freddie Mac’s New Credit-Score Rules Shake Up Mortgage Lending

Fannie Mae and Freddie Mac now allow eligible lenders to use VantageScore 4.0 alongside Classic FICO, reshaping mortgage underwriting and loan pricing.

Read Full Article
BizTocBizToc

A Credit-Score Shift at Fannie and Freddie Is Shaking Up the Mortgage Market

The Trump administration and lenders say the adoption of a rival to FICO will drive down mortgage costs, but some raise alarms about underwriting risks.

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BizToc broke the news on Monday, October 12, 2026.
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