★ Add LoanOfficer.ai as a preferred source on Google
The change gives single-family lenders another approved credit-score option, but files cannot combine Classic FICO and VantageScore 4.0.
VantageScore 4.0 GSE lenders access has broadened, with Fannie Mae and Freddie Mac opening the score model to all single-family lenders, according to a HousingWire report published September 9, 2026. The key operational catch for loan teams: lenders cannot mix Classic FICO and VantageScore 4.0 on the same file.
For producing loan officers, this matters because credit score model choice can affect how a borrower’s profile is evaluated, how files are documented, and how lender partners build their front-end process. The practical question now is not just whether the GSEs allow VantageScore 4.0, but when each lender will make it available and how clearly they will communicate the rules to the field.