★ Add LoanOfficer.ai as a preferred source on Google
If finalized, the shift could change how lenders order borrower credit, evaluate scores, and discuss cost and documentation with applicants.
FHFA credit report changes are back on the table, according to a September 4, 2026 HousingWire report stating that Pulte said the Federal Housing Finance Agency is weighing bi-merge and single credit report options for mortgage lending. The report also says FHFA has opened the door to VantageScore for all lenders, a potentially meaningful change for how borrower credit files are evaluated in agency lending.
For producing loan officers, the practical issue is not just which score model gets attention. If these ideas move forward, they could affect credit report ordering, AUS workflows, borrower cost conversations, repurchase risk questions, and how lenders document credit decisions — but the supplied source material does not confirm a final rule, implementation date, or detailed agency guidance.