Xactus Supports Mortgage Lenders with VantageScore® 4.0 Adoption
Xactus has expanded its support for mortgage lenders by offering access to the new VantageScore® 4.0 credit scoring model, following Fannie Mae and Freddie Mac's recent approval of the score on September 9, 2026. Lenders can now choose between Classic FICO or VantageScore 4.0 when originating loans for government-sponsored enterprises (GSEs), without needing prior written approval from GSEs. Xactus is also preparing to support FICO® Score 10T as the Federal Housing Administration plans its implementation on January 1, 2027. The company provides lenders with flexibility in selecting credit score models at a loan level and ensures compliance with existing reporting requirements. Xactus helps clients configure their workflows for different scoring options based on business needs. The shift to multiple credit scores is part of an ongoing effort by the GSEs to modernize mortgage underwriting practices, while maintaining Classic FICO as an approved model without any announced retirement date.
Topics: credit scoring Fannie Mae fintech Freddie Mac VantageScore 4.0