VantageScore 4.0 Now Approved for GSE Loans

Fannie Mae and Freddie Mac now officially accept VantageScore 4.0 for mortgage underwriting—effective immediately. This marks the most significant credit scoring shift in over a decade, and it is happening now.

 

Use It Today—No System Changes Required

Lenders can now use VantageScore 4.0 alongside current GSE accepted scoring models  for GSE-backed loans. Tri-merge remains in place, meaning there’s no disruption to your LOS or credit reporting setup.

 

Key Takeaways

  • GSE-approved and live for use today
  • Broader scoring model that includes consumers with limited credit history
  • Built on trended data and machine learning for deeper credit insights
  • Tri-merge setup remains valid—no technical changes required
  • A strategic moment to evaluate workflow alignment and vendor support

 

What This Means for Lenders & Brokers

  • Lenders may begin submitting VantageScore 4.0 immediately
  • Tri-merge reports are still accepted—bi-merge implementation is not yet required
  • Increased regulatory and operational focus may lead lenders to revisit vendor alignment and credit strategy
  • This is a timely opportunity to confirm that your systems and partners are prepared to support both scoring models efficiently

 

Birchwood Is Ready

We’ve been preparing clients for this transition for over a year. Whether you need to align processes, review workflows, or simply talk through what this means for your team—we’re here to help.

We offer a quick 15-minute strategy call to walk through the impact—no pitch, just a plan. Book Your Call Here