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One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware matchPennymac has rolled out VantageScore 4.0 (VS4) across its consumer-direct, broker-direct and correspondent mortgage channels, according to HousingWire’s October 5, 2026 report. Separately, Pennymac’s October 2 seller notice makes VS4 eligible for certain conventional loans sold to Fannie Mae or Freddie Mac, subject to program and reporting rules. It does not mean every Pennymac mortgage or borrower will use VS4.
What Pennymac’s VantageScore 4.0 rollout means
The rollout brings VS4 into Pennymac’s mortgage-production channels, but the eligibility details depend on the loan and delivery path. Pennymac’s October 2, 2026 correspondent announcement establishes eligibility for certain conventional GSE transactions; it is the clearest source for the conditions described below. The three-channel rollout detail comes from HousingWire, rather than that seller notice.
For borrowers, the practical change is that a lender may be able to use VS4 for an eligible loan. It is not a promise that a particular borrower’s score will rise, that an application will be approved, or that borrowing costs will fall. Pennymac CEO David Spector described the company’s support for modernization and competition in comments reported by HousingWire; those are the company’s expectations, not verified borrower-level outcomes.
Which Pennymac loans may use VS4?
Pennymac’s notice covers conventional GSE transactions that meet the applicable program loan-to-value limits and guidelines. It allows eligible occupancy types and requires an eligible VS4 feedback message from Desktop Underwriter (DU) or Loan Product Advisor (LPA). Those conditions do not establish eligibility for every product, loan type, or underwriting route.
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- Loan Amortization and Remaining Balances
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Pennymac directs sellers to its current score grids and GSE product profiles for complete requirements. Borrowers and brokers should confirm the rules for the specific loan with the lender or seller rather than assume the announcement applies to all Pennymac financing.
What credit-report and co-borrower rules apply?
For the VS4 deliveries described in Pennymac’s notice, sellers must provide a tri-merge credit report containing both Classic FICO and VS4 scores for every borrower. A tri-merge report combines credit information from the three nationwide bureaus; using VS4 does not mean the report itself is replaced by a single-bureau report.
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- FIGURE OUT THE RIGHT LOAN: At the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or tvm calculations Find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: Reduce your clients' confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket User's Guide, and long-life batteries
The same scoring model must be used for all borrowers on the loan across underwriting and pricing. A lender cannot use VS4 for one co-borrower and Classic FICO for another on the same loan under this rule.
Is VS4 now required for Fannie Mae and Freddie Mac loans?
No. Under the Federal Housing Finance Agency’s current policy, all Fannie Mae- and Freddie Mac-approved lenders have been able to use VS4 for eligible loans since September 9, 2026, without prior written approval. They may continue using Classic FICO. The policy is a lender choice for eligible loans, not a requirement that every lender or borrower switch.
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FHFA also says FICO 10T is not currently eligible for delivery to either Enterprise. Its approval for future use does not make it available now.
How Fannie Mae’s implementation differs
Fannie Mae’s guidance gives implementation details for its own eligible loans. Approved lenders may elect VS4 through a three-in-file merged credit report for eligible loans submitted through DU. The model must be requested from each of the three bureaus, and lenders must use the same model for every borrower on a loan. Fannie Mae also requires Special Feature Code 067 at delivery.
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- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan Amt, Int, Term, Pmt; this industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and more
- CONFIDENTLY AND EASILY SOLVE: Clients' financial questions whether they're buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: To your clients by reducing their confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket user's guide, and long-life battery
Fannie Mae says manually underwritten loans continue to use Classic FICO, and FICO 10T is not yet available for delivery. These are Fannie Mae-specific instructions; they should not automatically be applied to Freddie Mac or every Pennymac program. See Fannie Mae’s credit score models guidance and the relevant lender requirements for the loan in question.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Why mortgage credit-score options are changing
FHFA and the mortgage Enterprises are implementing changes under Section 310 of the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act and the Validation and Approval of Credit Score Models Rule, 12 CFR Part 1254. FHFA announced validation of VS4 and FICO 10T in 2022 after Enterprise testing and review. The current transition allows eligible lenders to choose between Classic FICO and VS4 while broader implementation work continues.
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- Extra large 12-digit angled display.
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FHFA says newer scoring models incorporate additional data, including rent-payment history. That does not establish how a particular borrower will score under VS4 or whether a lender will use that model for a given application. FHA-insured loans are a separate federal program: FHFA’s April 22, 2026 announcement described FHA permission to use both models, but Pennymac’s October 2 GSE notice does not itself set FHA eligibility.
What to ask a lender or broker
Because model use depends on the lender, loan program and underwriting path, borrowers comparing options can ask:
- Is this specific loan eligible for VS4, or will it use Classic FICO?
- Does the lender’s implementation cover this underwriting route, including whether the loan is automated or manually underwritten?
- What credit-report structure and bureau requests are required?
- Will the same model be used for every borrower on the application?
- Are there delivery codes, pricing rules or other lender-specific requirements that apply?
FHFA reported that the Enterprises published upfront-fee adjustments aligning fees across Classic FICO and VS4 on September 30, 2026. The detailed fee grids should be checked in current Enterprise materials; the announcement alone does not establish a specific price change for an individual borrower.
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