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Pulte removes 50-lender cap while considering bi-merge and single-bureau reports as additional ways to reduce mortgage costs
Average payments for first-time buyers have climbed 57% since 2019, while serious delinquency is becoming concentrated among lower-scoring borrowers
One-third of consumers say they would consider switching lenders over older scoring models, making underwriting technology a potential borrower-retention issue
The company points to trended data and tri-bureau consistency as approved lenders begin using greater credit-score choice
FICO 10T enrollment tops 70 lenders while VantageScore 4.0’s presence in TransUnion mortgage credit pulls jumps from less than 5% to roughly 30%
Credit-score pricing contributed heavily to the increase, while exclusive VantageScore use remained limited
