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Fannie, Freddie Accept VantageScore 4.0 Loans

4/26/2026

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Story summary
  • Fannie Mae and Freddie Mac will start accepting mortgages scored with VantageScore 4.0.
  • Federal Housing Finance Agency (FHFA) Director William Pulte credited President Donald Trump’s election with ending gridlock and said shift will help homebuyers, while Freddie Mac has taken delivery of $10 million in VantageScore-scored loans for securitization.
  • VantageScore model can include rent and utility payments, affecting tens of millions of Americans, while a FICO Score 10T model will be introduced with rental factors.