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Initial securitized loans with Freddie Mac highlight operational questions following Federal Housing Finance Agency policy shift
New GSE updates allow immediate use of VantageScore 4.0 and signal shift toward multi-score underwriting environment
Calls for greater competition in credit scoring as price increases draw scrutiny
RiskRatio upgrade gives lenders earlier visibility into borrower performance as delinquencies rise and credit cost pressures intensify
Findings show improved pre-screening could boost efficiency and first-time buyer access amid rising tri-merge costs and pricing shifts
Lenders face rising tri-merge costs, but FICO says bureau markups — not its base pricing — are driving the increase
