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The pilot could give brokers another way to qualify certain borrowers near UWM’s 620 minimum and potentially improve pricing in select files.
UWM is piloting VantageScore 4.0 wholesale lending as an additional credit score option for brokers, according to a HousingWire article published August 17, 2026. The lender says the option may help some borrowers meet its 620 minimum credit score and, in select cases, reduce loan-level price adjustments and cash to close.
For mortgage brokers, the news matters because credit score model choice can affect both eligibility and pricing for borrowers sitting near a cutoff. The opportunity is real enough to review near-miss files, but the supplied material confirms this as a pilot, not a final or universal change across all scenarios.