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VantageScore® 4.0 for Mortgage

Approving more borrowers with a new standard for credit scoring.
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Approve More Borrowers with a New Standard for Mortgage Credit Scores

VantageScore® 4.0 for Mortgage is the first and only tri-bureau credit scoring model that incorporates trended credit data, alternative credit data, and advanced machine learning to help mortgage lenders perform deeper risk assessments on a wider audience of borrowers. It's capable of predicting the likelihood of a consumer becoming 90+ days delinquent within 24 months of scoring. 

VantageScore is allowed for use on all Fannie Mae and Freddie Mac mortgages. 

Fannie Mae and Freddie Mac Approved
As of July, 2025, VantageScore 4.0 for Mortgage is allowed for use on all Fannie Mae and Freddie Mac mortgages.
Lend to More Borrowers without Increasing Risk
Score borrowers who lack credit with enriched data, including 24-month credit history, rental history and utility data. 
Cut Mortgage Lending Costs
An estimated $1B will be saved for the mortgage industry by making the switch. (Based on Deep Future Analytics, LLC 2026
Economic Benefits of Score Market Competition)
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10% more borrowers could qualify by using VantageScore 4.0, according to a Bloomberg study.

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15% higher success rate at predicting defaulters, which may have reduced pandemic defaults, according to a Bloomberg study.

Gain an Instant Competitive Advantage with VantageScore 4.0

VantageScore 4.0, the fourth-generation tri-bureau credit scoring model sets a new standard for predictive performance and modeling innovation, pioneering several industry “firsts” that benefit lenders and consumers alike.

 

It enables deeper, more accurate, and more predictive risk assessment for all borrowers—especially those who lack credit—by evaluating the trajectory of borrower behaviors using richer data and advanced machine learning.

 

Mortgage lenders gain immediate improvements in predictiveness and confidence, allowing them to securely score and decision a broader population, expand access to homeownership, and strengthen portfolio performance, all without increasing risk.

Say "Yes!" to More Borrowers

Discover more viable applicants by incorporating VantageScore 4.0 for Mortgage into existing origination and underwriting processes.

Elevate Portfolio Performance

Proactively manage risk and opportunity within mortgage loan portfolios by using VantageScore 4.0 for Mortgage to build a deeper understanding of evolving borrower trajectories, as part of a robust portfolio management strategy.  

A Patented Approach for Improved Predictiveness and Inclusion

VantageScore 4.0 incorporates alternative data that's not typically contained in traditional credit reports such as rental history and utility and telecom payments, alongside trended data. This expanded view offers lenders a more nuanced understanding of a borrower’s credit history, enabling lenders to offer more competitive rates and terms to qualified borrowers. 

VantageScore’s industry-leading credit scoring models assess millions more consumers than traditional credit scores, combining advanced analytics with an enhanced suite of consumer data, providing lenders with deeper insights into borrower behavior while increasing lender safety and soundness.

Get VantageScore 4.0 for Mortgage for $1 through 2027

To support our mortgage industry partners, we are driving competition and value into the credit scoring market by offering the VantageScore 4.0 for Mortgage at a committed price of $1 through the end of 2027—up to 90% below the legacy score. 

 

This exclusive Equifax offering provides a substantial opportunity for high-impact cost savings. 

 

To help our customers with the testing and adoption of this specialized model, Equifax is also offering free VantageScore 4.0 credit scores throughout 2026 to all customers who purchase the legacy score. 

Reduce Costs

Access VantageScore 4.0 for Mortgage to help reduce mortgage lending costs while also supporting improved decisioning making. 

Drive Growth

Expand your addressable audience with an inclusive credit score  that's powered by advanced Machine Learning technology to enable faster, more secure scoring and approval of more borrowers.

The Work Number® Report Indicator Included!

The Work Number® Report Indicator and additional alternative data will continue to be delivered alongside the Equifax mortgage credit report at no cost.

Frequently Asked Questions

Equifax is committed to driving adoption in the mortgage industry by lowering the barriers to entry. This includes: 

  • Significant 2026 price reductions that are up to 90% below projected legacy score prices. 
  • FREE VantageScore 4.0 scores through the end of 2026 for existing customers who purchase legacy scores. 

It’s the only credit scoring model developed by a joint venture of the three major credit reporting agencies. Unlike conventional credit scores, it incorporates trended credit data that reveals borrower behavior over time and alternative data that enables the scoring of millions of borrowers with thin credit or no credit.  

It drives growth by enabling lenders to score more borrowers, including those without traditional credit by using trended and alternative data. Machine learning and automation further optimize and accelerate decision-making, powering increased loan volumes. And it can be deployed independently across the three major credit bureaus to support more consistent mortgage credit scoring. 

The Federal Housing Finance Agency (FHFA) has mandated a transition to more modern credit scoring models that promote competition and financial inclusion. It can also be deployed independently across the three major credit bureaus to support more consistent mortgage credit scoring.

Video

Credit Score Competition

Learn how competition in credit scoring—driven by Fannie Mae and Freddie Mac accepting VantageScore—is transforming the mortgage industry and opening access to credit for millions of Americans.
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