{"id":7786,"date":"2026-09-30T23:24:50","date_gmt":"2026-10-01T03:24:50","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=7786"},"modified":"2026-09-30T23:24:51","modified_gmt":"2026-10-01T03:24:51","slug":"this-weeks-big-news-for-deed-seekers-fannie-and-freddie-shift-to-vantagescore-in-loan-decisions","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/this-weeks-big-news-for-deed-seekers-fannie-and-freddie-shift-to-vantagescore-in-loan-decisions\/","title":{"rendered":"This Week\u2019s Big News for Deed Seekers: Fannie and Freddie Shift to VantageScore\u00ae in Loan Decisions"},"content":{"rendered":"\n
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The price of stock in Fair Isaac, a.k.a. FICO\u00ae, just tanked. It happened after the Federal Housing Finance Agency (FHFA)<\/a> director announced a change in the way Fannie Mae and Freddie Mac will consider an applicant\u2019s credit scores. (The FHFA oversees Fannie and Freddie.)<\/p>\n\n\n\n

Fair Isaac stock plummeted more than 25% on the last Tuesday in September 2026\u2014the day after FHFA\u2019s Bill Pulte announced that mortgage giants Fannie Mae and Freddie Mac would integrate VantageScore\u00ae, a FICO competitor. It was the worst day in FICO stock history since 1989.<\/p>\n\n\n\n\n\n\n\n

What Bill Pulte Just Said\u2014With Kudos From Rocket Mortgage  <\/h2>\n\n\n\n

This is about \u201cVantageScore joining the existing FICO Classic pricing grid\u201d used to assess interest rates, Pulte said on social media. Pulte said the move will simplify mortgage pricing, and that lenders and borrowers asked for this change.<\/p>\n\n\n\n

Among FICO\u2019s shareholders, the panic was unmistakable. Investors seem sure this change is a very big deal. Fannie and Freddie back the conventional mortgage loans that seven in every ten borrowers seek out. For decades, Fannie and Freddie relied on FICO.<\/p>\n\n\n\n

Detroit-based Rocket Mortgage, the largest U.S. mortgage lender, chimed in to say it\u2019s now embracing VantageScore, calling the move beneficial for healthy competition. Rocket claims this move \u201ccan lower costs and expand responsible access to homeownership.\u201d<\/p>\n\n\n\n

Maybe Rocket saw the writing on the wall<\/a>.<\/p>\n\n\n\n

Rocket reports having examined 1.4 million credit reports using the two different scoring systems. The company says it carried out a study that resulted in the selection of VantageScore 4.0. Rocket says the shift will allow more customers to gain access to mortgages. The company also says VantageScore helped some customers save money at closing.<\/p>\n\n\n\n

In any case, Rocket\u2019s announcement makes the company the first to make VantageScore its default. VantageScore could now see increased adoption across the industry.<\/p>\n\n\n\n

Before this week, lenders had an incentive to use FICO. And they had good reason to skip over VantageScore. Lenders had to charge higher loan rates when VantageScore was used in loans for Fannie and Freddie. But now, the pricing system that made FICO scores standard for most mortgage borrowers has suddenly been replaced.<\/p>\n\n\n\n

Advantaged by Vantage: More Deed Seekers May Qualify<\/h2>\n\n\n\n

Ashish Sabadra, a financial analyst at RBC, notes that the move might help hopeful borrowers who were previously locked out by FICO\u2019s standards. The new system will allow lenders to choose between scores, potentially allowing better rates for prospective borrowers. This sets up a pricing competition between the systems, as they both charge for credit pulls. FICO didn\u2019t have to deal with this competition before.<\/p>\n\n\n\n

So, deeds may well be in reach for more people through the use of VantageScore. Specifically, VantageScore 4.0 accounts for electricity and rent payments if those payments are reported to the borrower\u2019s credit report. That payment history can give lenders more information on renters, many of whom have been disadvantaged by the longtime reliance on the FICO score alone.<\/p>\n\n\n\n

Of course, this also means lenders will consider a portion of higher-risk applicants as normal borrowers. This will make Fannie and Freddie that much more vulnerable if the economy faces a major test ahead. Raising the risk on a conventional mortgage, you might say, isn\u2019t a slam-dunk benefit for housing. So while it\u2019s good to see more applicants taken seriously, this \u201ccompetition\u201d could cut both ways.<\/p>\n\n\n\n

When applicants in lower credit score ranges receive mortgage approvals, the lender charges for that risk. Borrowers on the borderline pay more in interest, and many have to make<\/em><\/strong> private mortgage insurance<\/em><\/strong><\/a> payments along with their regular loan payments.<\/em><\/strong><\/p>\n\n\n\n

Who\u2019s Behind VantageScore?<\/h2>\n\n\n\n

VantageScore Solutions, a joint venture, has been in play for 20 years. Participants are the three major credit reporting companies: Equifax\u00ae, Experian™, and TransUnion\u00ae. Most readers will know these companies. Each one issues one free credit report to a person each year.<\/p>\n\n\n\n

Lenders generally think of \u201cgood\u201d credit in terms of a FICO\u00ae score of 670 to 739. A score higher than that gives an applicant access to even better loan terms. In other words, a \u201cvery good\u201d or \u201cexceptional\u201d score lets the borrower have a more desirable interest rate.<\/p>\n\n\n\n

Is FICO finished after this week? No. The RBC analyst believes FICO will continue to do well, but it might now have to make key changes to the way it makes money.<\/p>\n\n\n\n

Meanwhile, FHA applicants, investor applicants, people financing vacation homes, people borrowing against their home equity, and many other non-conventional borrowers will still have to pass through the FICO filter.<\/p>\n\n\n\n

Investors in loans prefer the FICO score, too. Even Rocket\u2019s Rocket Pro, a division that supplies mortgages through collaborations with other brokers, will give them a FICO option.<\/p>\n\n\n\n

Still, we could see some dominoes fall. If more applicants head for Fannie and Freddie to get the VantageScore treatment, the FHA and other government-backed programs may be pressed into changing their own models to compete. Already, United Wholesale Mortgage<\/a> has moved away from FICO as the default service.<\/p>\n\n\n\n

An Era Ends. And That\u2019s the Way Real Estate Rolls<\/h2>\n\n\n\n

For 21st<\/sup>-century conventional loans, the \u201cclassic FICO score\u201d has been a mainstay. Some might have called it a monopoly\u2014or something close to that. But here you are, late 2026 mortgage seekers. The adjustment is under way now. VantageScore 4.0 will be standard for mortgages to be backed by Freddie Mac, Fannie Mae, and the Department of Veterans Affairs.<\/p>\n\n\n\n

Deeds.com<\/em> called it in 2023: we saw a revamping of credit scoring models<\/a> coming. The FICO\u00ae credit score is imperfect at best, as we wrote then:<\/p>\n\n\n\n

There might be many good things in an applicant\u2019s financial history\u2014such as a long record of on-time rent payments\u2014that aren\u2019t counted at all, even though they\u2019re obviously relevant to paying for housing.<\/em><\/p>\n\n\n\n

Now we see the shakeup actually taking shape. Next? Let\u2019s see how FICO adjusts and adapts.<\/p>\n\n\n\n

\n

Supporting References<\/strong><\/p>\n\n\n\n

NASDAQ press release via PRNewswire<\/em>: Rocket Mortgage Becomes First Home Lender to Use VantageScore as Its Preferred Scoring Model on All Eligible Loans<\/a> (Sep. 28, 2026; citing Rocket Mortgage CEO Jay Bray).<\/p>\n\n\n\n

MTNewswires.com<\/em> via Yahoo Finance:<\/em> Wells Fargo Adjusts Price Target on Fair Isaac to $950 From $1,350, Maintains Overweight Rating<\/a> (Sep. 29, 2026).<\/p>\n\n\n\n

Molly Moorhead for Yahoo Finance<\/em>: Fair Isaac Stock Plunges 20 Percent After Fannie and Freddie Open Door to FICO Credit Score Rival<\/a> (Sep. 29, 2026).<\/p>\n\n\n\n

Louis Juricic for Yahoo Finance<\/em>: FICO Stock Drops 20%; Analysts Break Down the Impact of FHFA\u2019s Single Pricing Grid<\/a> (Sep. 29, 2026).<\/p>\n\n\n\n

Eric Souza for ScotsmanGuide.com:<\/em> Rocket Mortgage Backs Pulte\u2019s Push for Credit Scoring Competition; Lender Will Make VantageScore 4.0 Its Preferred Scoring Model for Eligible Loans<\/a> (Sep. 29, 2026).<\/p>\n\n\n\n

Deeds.com<\/em>: Light at the End of the Tunnel? New Credit Score Models Are Coming<\/a> (May 19, 2023).<\/p>\n\n\n\n

And as linked.<\/p>\n\n\n\n

More on topics: Bias in mortgage approval process<\/em><\/a>, A five-point credit repair plan<\/em><\/a><\/p>\n\n\n\n

Photo credit: RDNE Stock Project<\/a>, via Pexels\/Canva.<\/p>\n<\/div>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

The price of stock in Fair Isaac, a.k.a. FICO\u00ae, just tanked. It happened after the Federal Housing Finance Agency (FHFA) director announced a change in the way Fannie Mae and Freddie Mac will consider an applicant\u2019s credit scores. (The FHFA oversees Fannie and Freddie.) Fair Isaac stock plummeted more than 25% on the last Tuesday […]<\/p>\n","protected":false},"author":2,"featured_media":7787,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[131],"tags":[2957,327,2384,2959,326,328,4053,874,322,2961],"class_list":["post-7786","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","tag-credit-scoring","tag-fannie-mae","tag-fhfa","tag-fico","tag-freddie-mac","tag-home-loans","tag-mortgage-credit-scores","tag-mortgage-lending","tag-rocket-mortgage","tag-vantagescore"],"yoast_head":"\nVantageScore Mortgages: Fannie and Freddie Make the Shift<\/title>\n<meta name=\"description\" content=\"Fannie Mae and Freddie Mac are shifting mortgage credit scoring toward VantageScore 4.0. 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