New research finds affordability remains the biggest obstacle, but many future buyers also misunderstand how credit affects mortgage eligibility and pricing
New study says VantageScore 4.0 scores five million more creditworthy borrowers than FICO Score 10T, expanding lending opportunities as the industry prepares for the GSE credit score transition
Historical loan-level datasets covering 2013-2025 let market participants evaluate the next-generation credit model using actual GSE mortgage performance.
Mortgage, title, and fintech veteran brings more than 25 years of housing finance and credit analytics experience to new role
New features help lenders identify borrowers with the highest score-improvement potential as competition over mortgage credit models intensifies
Wholesale lender offers dual-score credit reports at no cost to brokers or borrowers amid growing competition around credit access and borrower acquisition tools
Rollout comes as lenders, brokers and housing professionals prepare for expanded use of VantageScore 4.0 and FICO 10T in agency mortgage workflows
Move follows GSE policy shift, giving brokers visibility into both FICO and VantageScore
Equifax data shows fallout rising and score costs driving nearly half of credit report expense while VantageScore 4.0 introduces new competition
New GSE updates allow immediate use of VantageScore 4.0 and signal shift toward multi-score underwriting environment