VantageScore 4.0 Industry Update
VantageScore 4.0 Allowed for use on all Fannie Mae and Freddie Mac Mortgages Effective July 8th, 2025.
The Federal Housing Finance Agency (FHFA) announced that it will immediately implement the acceptance of VantageScore 4.0 for mortgages sold to Fannie Mae and Freddie Mac. The historic decision significantly modernizes the mortgage Government-Sponsored Enterprises (GSEs), ending a decades-long lack of credit-score competition in the U.S. mortgage market.
The FHFA’s announcement enforces the 2018 Credit Score Competition Act, signed into law by President Trump as part of the Economic Growth, Regulatory Relief, and Consumer Protection Act. That policy change established the use of modern credit scoring models for mortgages that would be sold to the GSEs.
The FHFA initially mandated Fannie Mae and Freddie Mac to accept mortgages scored by VantageScore in October 2022, giving the marketplace a three-year grace period until the fourth quarter of 2025 to implement the change.
Learn more and read FHFA’s FAQs.
For more information on VantageScore 4.0 implementation, please visit.
Fannie Mae’s Credit Score Models and Reports Initiative landing page.
Freddie Mac’s Credit Score Models and Reports Initiative landing page.
Reach out today to us to discuss how SCA can assist and support you in implementing VantageScore 4.0. Please contact us Contact us though our online porthole or by phone at (781) 356-2772 and schedule a time to speak with us today.
