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FHFA and HUD advance VantageScore 4.0 to boost affordable homeownership in U.S. mortgage market

Market News
22 Apr 2026
GlobeNewsWire
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Bullish
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The Federal Housing Finance Agency (FHFA) and the Department of Housing and Urban Development (HUD) are moving forward with including VantageScore 4.0 in the U.S. mortgage market to enhance affordable homeownership. TransUnion supports this initiative, highlighting that VantageScore 4.0 offers improved predictive power by using trended credit data and rental information, helping lenders better assess borrower risk. This advancement is expected to increase competition among credit scoring models, lower mortgage costs, and expand opportunities for creditworthy borrowers to buy homes. TransUnion is also promoting cost-effective mortgage pricing and tools like a free credit score simulator to help prospective buyers improve their scores and secure better mortgage terms.

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