Podcasts about VantageScore

The Wrap with Chris Whalen is back after a summer vacation with a blunt read on the fall ahead: affordability — fuel, housing, food — has already decided the midterms, and the Iran conflict plus the Russia-Ukraine war have created a shortage not just of crude but of refined products, with refinery maintenance season and the shift to heating oil set to push prices higher still. He calls $100 oil and a 5% 10-year Treasury the new normal, argues Scott Bessent's buyback strategy has failed, and expects a quarter-point hike next week while raising the more unsettling question: what happens if the Fed raises short rates and the long end goes up anyway? On gold, Whalen is still accumulating, sees $6,000–$7,000 only after a fiscal catalyst like a bad Treasury auction, and points to Shanghai's gold-linked clearing system and Russia's 100-ton sale to China as evidence of where physical demand really lives. He also answers viewer questions on the exodus at Fannie Mae, the flawed data behind credit scores, how to actually save in gold, why he owns only Flagstar and Schwab, and warns that Florida's home price correction is coming for the rest of the country next year.Thank you to our sponsor, Monetary Metals. Learn more at https://www.monetary-metals.com/THEWRAP/Links:    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/  Twitter/X: https://twitter.com/rcwhalen    Seeing Around Corners book: https://www.theinstitutionalriskanalyst.com/product-page/seeing-around-corners-achieving-success-in-business-and-life-hardcoverUse the code TheWrap2026 for 25% off your first year of The Institutional Risk Analyst https://www.theinstitutionalriskanalyst.com/plans-pricingTimestamps:0:00 – Welcome back: summer's over, a lot to catch up on0:50 – Energy prices and the midterms: decided at the pump?1:13 – Affordability is the story: diesel, heating oil, Europe's supply crisis2:51 – The $5,000 "Trump dividend" and buying votes4:13 – What nobody in Washington will say about insolvency5:00 – FDICIA, continuing resolutions, and a Congress that can't say no6:34 – Oil near $100: does it get worse from here?7:33 – Rates "going back to normal" after 15 years of Fed subsidy9:24 – Calling 5% on the 10-year — and Bessent's failed buyback strategy10:29 – Warsh rules out QE, spreads tighten anyway11:57 – Why banks are suddenly buying multifamily12:58 – Is 5% a stop along the way or the destination?14:31 – What Chris expects from the Fed next week15:06 – The big question: what if the Fed has lost the long end?16:11 – What losing control of long rates would actually signal17:24 – Gold with David Kotok, and why it's not a trading vehicle18:28 – Tom McClellan on the oil–gold relationship (with a 16-month lag)20:09 – A quiet year: banks, AI trade, and boring winners21:17 – What takes gold from $4–5K to $6–7K22:00 – Russia sells 100 tons of gold to China22:53 – Is the dollar really in decline? CIPS, Shanghai, and sanctions24:12 – How high can diesel and Brent go this winter?25:30 – Iran, the Houthis, and the Red Sea26:59 – Viewer Q: What's happening inside Fannie Mae?28:30 – Pulte, VantageScore, and the bad-data problem in credit scoring29:39 – Viewer Q: How do you actually save in gold?30:45 – Florida home prices are falling — "Misery on the Eights"31:31 – Viewer Q: The big money center banks32:47 – Viewer Q: Book recommendations and the gold book33:23 – Closing thoughts: an age of instability

The real estate business is changing in ways that affect how consumers find homes, how borrowers qualify for mortgages, and how property owners understand their rights.   This week on From the Rooftops, I'm digging into several housing and real estate headlines that REALTORS® should be watching closely.   One conversation centers on the MLS and the growing use of private or delayed listings. As brokerages experiment with different ways of marketing homes, buyers may need to understand which properties they can actually see and whether the agent or brokerage they choose affects their access to available inventory. For REALTORS®, that brings us right back to transparency, cooperation and our responsibility to the consumer.   There's also a significant development in mortgage lending. FHFA has approved VantageScore 4.0 for lenders originating Fannie Mae and Freddie Mac mortgages, giving us another reason to pay attention to how changes in credit scoring could affect future homebuyers.   Then there's property ownership itself. More than 2,600 landlords are reportedly slated for compensation related to losses stemming from a COVID-era eviction freeze. The legal fight raises a larger question about property rights and what happens when public policy restricts an owner's ability to use private property.   And Washington is talking about housing, technology and affordability. One idea being discussed is whether greater digitization could help address some of the friction and expense involved in buying a home.   These stories touch different corners of real estate, but every one of them matters to professionals who advise consumers about buying, selling and owning property.   What changes when the systems underneath a real estate transaction begin changing too?   Join me Thursday, September 10 at 9:00 AM ET for From the Rooftops. Bring your questions and tell me what you're seeing in your market.   Leigh Brown is a REALTOR®, broker-owner, auctioneer, national keynote speaker, and author whose work helps professionals lead with confidence, communicate with purpose, and build businesses rooted in trust and relationships.  

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about mortgage rates hitting 7% and whether they can go even higher. Related to this episode: How long can mortgage rates stay below 7%? HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Buy one, get one FREE tickets to the Mortgage Banking Summit on October 1st More info about HousingWire Top 5 Trending: How long can mortgage rates stay below 7%? Rocket raises conforming loan limit to $845,000 GSEs open VantageScore 4.0 to all single-family lenders Housing Market Spotlight: When housing market signals don't agree What D.R. Horton's 2027 budget tells rivals about pricing pressure Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about how the market is reacting to the $6 billion Treasury debt announcement and how the Fed is weighing inflation ahead of its meeting next week. Related to this episode: Commodity inflation is hot, but Fed is still focused on core inflation HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Buy one, get one FREE tickets to the Mortgage Banking Summit on October 1st More info about HousingWire Top 5 Trending: GSEs open VantageScore 4.0 to all single-family lenders Commodity inflation is hot, but Fed is still focused on core inflation UWM drops high-balance LLPAs, extends Bullseye 90 pricing Who's running Real REMAX? The new leadership team takes shape Envoy Mortgage taps Chad Smith as CEO, deepens integration with PLACE Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Private mortgage insurers say they are operationally and financially prepared for the transition to VantageScore 4.0, but lenders will need to ensure their systems correctly identify and transmit the new credit-score model, while uncertainty around FHFA's potential move away from tri-merge credit reporting and other informal policy changes is creating stress and uncertainty across the GSE mortgage ecosystem. Robbie interviews UWM's Mat Ishbia on UWM's growth, the expansion of the mortgage broker channel, recent financial performance, future plans, key challenges, and how the company defines success. And Treasuries appear technically oversold after strong auction demand but remain vulnerable as investors question how much support Treasury buybacks can provide, while the broad MBS basis widening signals deeper market dislocation and growing concern over mortgage valuations, Treasury supply, and the U.S. fiscal outlook.This week's podcasts are sponsored by NFTYDoor, the white-label HELOC platform for banks, credit unions, and  brokers. Close in zero days with warehouse funding. Power your home equity lending with NFTYDoor.Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

FICO shares fell 17 percent after FHFA Director Bill Pulte immediately expanded mortgage-lender access to rival VantageScore, intensifying competition and raising concerns about FICO's dominance and credit-bureau pricing. Robbie interviews PCV Murcor's David Schiffmayer on the significance of UAD 3.6, who needs to prepare, where organizations should invest, its impact on appraisal efficiency and complexity, and the key misconceptions. And mortgage investors face a challenging higher-rate environment, favoring shorter-duration Fannie 15- and 20-year MBS, while any meaningful rate decline could trigger increased refinancing, especially among newer, higher-coupon mortgage cohorts.This week's podcasts are sponsored by NFTYDoor, the white-label HELOC platform for banks, credit unions, and  brokers. Close in zero days with warehouse funding. Power your home equity lending with NFTYDoor.Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

P.M. Edition for Sept. 4. The U.S. added a whopping 162,000 jobs last month, far better than economists expected. We hear from Journal markets reporter Jack Pitcher about what investors are betting that means for the Fed. Plus, we talk to Siobhan Hughes, who covers Congress, about the reaction to her reporting on how John Fetterman has shown little interest in the duties of a U.S. senator. And federal regulators say they have opened a probe into Tesla's Cybercab, a day after it hit the streets of Austin. Reporters Ryan Felton and Becky Peterson weigh in on what the probe means for Elon Musk's company. Alex Ossola hosts. Behind Closed Doors, John Fetterman Shows Little Interest in the Work of a Senator Sign up for the WSJ's free What's News newsletter. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about inflation, the Fed and existing home sales. Related to this episode: Inventory is down year over year, but months of supply says the market is functioning HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ HousingWire Mortgage Banking Summit – October 1 More info about HousingWire Top 5 Trending: ‘Sounds like competition to me': Sizing up Google's real estate play at the AI Summit AI agents could dominate home search, Lower and HouseCanary CEOs say Two Harbors calls UWM lawsuit ‘frivolous,' slams management for $600M hedge loss What Better's CEO swap means for its future Mortgage insurers face larger safety net rule for VantageScore 4.0 Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Navigating Your Credit Score: FICO, VantageScore, and Your Mortgage FutureFor decades, the mention of a "credit score" has almost universally brought FICO to mind. It's been the industry standard, the gatekeeper to everything from car loans to, most importantly for us, your dream home mortgage. But what if that foundation is shifting? What if a new player is stepping into the spotlight, promising a different perspective on your financial reliability?On one hand, the shift to VantageScore could bring some exciting advantages. Many borrowers, particularly those with "thin" credit files or past financial hiccups, might see their scores improve, potentially opening doors that were previously closed. This could mean more people qualify for mortgages, and perhaps even at better rates. It aims to offer a more inclusive view of creditworthiness, which sounds great for many.Imagine your credit score, the number that dictates so much of your financial life, getting a noticeable boost. This isn't just wishful thinking; it's a potential reality for many as the mortgage industry considers a broader embrace of VantageScore. Early indications suggest that, on average, borrowers might see an increase of approximately 100 basis points (bps) in their credit score compared to FICO. To put that into perspective, 100 basis points is a full percentage point!While a higher score is always welcome, its impact on your mortgage journey is where the real advantages shine. A stronger credit score directly translates into more favorable lending terms. Let's break down what that 100 bps could mean for you:This potential shift is not just about a number; it's about empowerment. It's about more people having the opportunity to achieve their homeownership goals with more affordable and accessible financing. At DDA Mortgage, we are closely monitoring these developments to ensure our clients are always in the best position to take advantage of any positive changes. We can help you understand how your current credit profile might perform under VantageScore and guide you through the process. Visit www.ddamortgage.com to learn more about how we can assist you.tune in and learn https://www.ddamortgage.com/blogDidier Malagies NMLS #212566dda mortgage nmls#324329 Support the show

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about the jobs report and how that's impacting mortgage rates. Related to this episode: Does this jobs report kill rate hikes for the rest of 2026? HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire The Top 5: Berkshire's Clayton adds McGuinn Homes to Mungo as scale race widens GSEs release historical FICO 10T data, expand VantageScore 4.0 file Introducing the 2026 Women of Influence Why mortgage rates are rising, not falling, with oil under $70 NEXA CEO Mike Kortas launches evoLend servicing company Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

On today's episode, Editor in Chief Sarah Wheeler talks with Gay Veale, chief experience officer at Vetted VA, about the VA loan fee hikes being proposed in Congress and what they would mean for veterans and lenders. Related to this episode: VA loan fee hike proposal advances in Congress, drawing industry pushback Make your voice heard, send a letter to Congress HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire The Top 5: Why Fed President Beth Hammack wants more rate hikes GSEs release historical FICO 10T data, expand VantageScore 4.0 file Why Carlisle Companies targets Owens Corning for an M&A combo The ROAD housing bill's biggest breakthrough isn't the investor ban. It's supply. Mortgage rates drop, but is it the start of a trend? Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

In this engaging episode of the Loan Officer Podcast, host Dustin Owen sits down with special guest Coach Kristi Nowrouzi, also known as Credit Kristi, to delve into the mortgage industry's first major credit scoring shift in three decades: the recent approval of VantageScore to be used alongside the traditional FICO scores. Together, they provide an in-depth exploration of the key differences between these two credit scoring models, highlighting how VantageScore offers unique advantages, particularly for borrowers with thin credit files and those who benefit from the model's recognition of trended data. Throughout their conversation, Dustin and Kristi discuss the real-world implications of this change for both borrowers and industry professionals. They examine how the expanded use of VantageScore could open new doors for individuals who may have previously struggled to qualify for a mortgage, and how loan originators now have fresh opportunities to revisit and potentially assist clients who were previously declined under the old scoring system. The discussion also addresses some of the challenges and uncertainties surrounding lender adoption of the new model, including the need for education and updates to underwriting processes. In addition to the main topic, Kristi shares exciting personal and professional updates. She talks about the launch of her new mortgage brokerage, her acceptance into an upcoming PhD program, and the development of a comprehensive 16-week mortgage originator bootcamp designed to help new and experienced professionals elevate their careers. The episode is packed with valuable insights, practical advice, and forward-looking perspectives on the evolving landscape of credit scoring and mortgage lending. TLOP's Originator Coaching:

Welcome to our monthly feature Learn With A Lender with Austin Clarence. In this episode, Austin talks about a major change in the lending world – how Credit Karma's VantageScore can now be used by certain lenders, and why it often beats traditional FICO scores. Austin explains the key differences between FICO and VantageScore, how agents can leverage Credit Karma with their buyers, and why focusing on monthly payment (not just rate) is critical in today's 6%+ rate environment. Austin also shares new loan options for self-employed borrowers and highlights a big, often overlooked opportunity with older buyers who are sitting on equity and inheritance-driven cash. Subscribe to Austin's newsletter by sending an email to aclarence@nexalending.com. If you'd prefer to watch this interview, click here to view on YouTube! Austin Clarence can be reached at +1 650-906-2376 and aclarence@nexalending.com. This episode is brought to you by Real Geeks and Courted.io.

In this episode, Craig LaChapelle is joined by VantageScore's Jeff Richardson and TransUnion's Matias Petersen to unpack the growing importance of credit score choice. They discuss how market volatility, competition and regulatory shifts are driving adoption across lending segments, from mortgage to auto and cards. The conversation highlights practical considerations — from model performance and governance to operational rollout — while outlining how lenders can test, validate and scale new scoring approaches to improve portfolio outcomes and expand access. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about the Fed turning hawkish right as new Fed Chair Kevin Warsh is sworn in, and what that means for mortgage rates. Related to this episode: New Fed Chair Warsh loses dove as Waller turns hawkish HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire The Top 5: New Fed Chair Warsh loses dove as Waller turns hawkish Why housing construction can't grow at current demand levels The MRED Zillow legal fight just hit agents and sellers directly Rocket Mortgage, Rocket Pro adopt VantageScore 4.0 CFPB prioritizes Reg X, GSE streamline refis as LO Comp hopes fade  To learn more about Total Expert click here. The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Mortgage lending is entering a major transition as the industry begins testing newer credit scoring models like FICO 10T and VantageScore 4.0. In this episode, Kathy Fettke breaks down what these modern credit scores are, why lenders are concerned about risk and pricing, and how the changes could impact mortgage approvals, housing demand, and the future of real estate investing. Learn why investors should pay attention as the mortgage market moves toward a new era of credit scoring and lending standards. Source: https://www.housingwire.com/articles/gse-modern-credit-scores/

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about mortgage rates and whether they've topped out at 6.75% or will go higher. Related to this episode: How much higher can mortgage rates go? HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire The Top 5: Mortgage rates rise as 10-year yield jumps How much higher can mortgage rates go? MRED cuts Zillow access to Chicagoland listing feed Mortgage lenders struggle to compare VantageScore 4.0 and FICO 10T Equity Union uses agent-first model to drive 2025 production To learn more about Total Expert click here. The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estat

Silvio Tavares discusses leveraging accountability, AI, and clear company values to drive performance and innovation. Hosted on Acast. See acast.com/privacy for more information.

In this episode of Your Real Estate Life, Mortgage Loan Originator Michael Harris breaks down what's really driving today's housing market—from interest rate expectations and Federal Reserve leadership shifts to practical strategies buyers and homeowners can use right now. With mortgage rates still influenced by inflation data, Fed policy tone, and bond market reactions, understanding the “why” behind the numbers is more important than trying to time the market. You'll hear a clear, real-world breakdown of how potential Federal Reserve direction could impact mortgage rates, what the latest economic data means for borrowers, and why strategy not timing is the key to winning in today's market. Michael also explores powerful lending and financial tools including VantageScore vs. FICO considerations, Non-QM lending options for self-employed borrowers, home equity strategies (HELOCs, cash-out refinances, and bridge loans), and a deep dive into mortgage recasting as an often-overlooked way to reduce payments without refinancing. This episode is designed to help buyers, homeowners, and investors move from uncertainty to clarity so they can make informed decisions with confidence in a shifting market. Key Topics Covered: • Mortgage rate outlook & Federal Reserve impact • Inflation, jobs data & economic calendar breakdown • Buyer strategy in a higher-for-longer rate environment • VantageScore vs. mortgage underwriting reality • Non-QM loans for self-employed & investors • HELOC vs. cash-out refinance vs. bridge loans • Mortgage recasting strategy explained • Equity utilization & cash flow optimization Have questions about your situation? Call 888-543-3980 Learn more at UnitedForLoans.com or YourRealEstateLife.com Subscribe for weekly real estate and mortgage strategy insights

In this episode of The Wrap, Chris Whalen breaks down what's really driving the rally, why the inflationary impact of the Iran war will stay with us through the end of 2026, and why the Fed's hands are essentially tied regardless of who sits in the chair. Chris also digs into Q1 bank earnings — what the numbers are really saying about credit risk, why most banks are still refusing to disclose their private credit exposures, and why he believes the debt in these deals will ultimately be converted to equity — with retail and institutional investors left holding the bag. Plus: commercial real estate as a long-term drag on cities, the New York pied-à-terre tax as political theater, gold and silver ETF picks, and why Chris says the U.S. equity market would be "comfortable with the devil by lunchtime." Thank you to our partners at Goldco. Get your free 2026 Gold & Silver Kit at https://goldco.com/thewrap or call 855-573-0817Links:    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/  The Wrap: https://www.theinstitutionalriskanalyst.com/post/theira837Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Twitter/X: https://twitter.com/rcwhalen    "Homework" from Chris :) https://shanakaanslemperera.substack.com/p/the-reserve-barbellUse the code TheWrap2026 for 25% off your first year of The Institutional Risk Analyst https://www.theinstitutionalriskanalyst.com/plans-pricingTimestamps:0:00 Intro 0:27 Breaking news — DOJ drops Powell probe, Chris reacts 2:03 Chris's assessment of Powell — "Mediocre" 2:18 "The burning tire of home price affordability" 3:58 "He could be attacking Warsh by Thanksgiving"5:49 Does Warsh come in as a hawk? 9:45 Main episode begins 10:15 Middle East/Iran update 12:56 Stagflation is the base case 15:00 Truflation viewer question 16:50 Spirit Airlines bailout 20:32 Kevin Warsh hearing circus 23:29 VantageScore — "election year press release" 27:15 D. Ricardo's letter on private credit 29:00 NVIDIA — "I would not be a buyer" 30:54 The generational experience gap 31:49 "You think we may get a crisis this year?" 32:45 Share repurchases — "funded with debt" 34:06 Gold homework — Reserve Barbell 37:07 The passive bid 38:00 Viewer Q — community banks 40:11 Viewer Q — Did Chris lock in his mortgage? 42:11 FOMC next week 42:30 "Distressed real estate is the next trade"

In this week's episode, Barry and Ernest discuss broader implications of the Iran conflict before breaking down a new addition to the portfolio. 0:00- Introduction2:12- Long-term implications of Iran 7:43- Low multiples for AI stocks 11:50- New addition to the portfolio14:54- Why FICO is a great business18:15- FICO's pricing power + industry incentives23:19- The housing cycle25:40- VantageScore competition

This week on Commerce Code, we speak with Rikard Bandebo from VantageScore and Arvind Ronta from Pentadata. A little about the companies - VantageScore is a leading credit scoring company whose model is especially predictive because it uses new data sources that make it possible to provide credit scores to people even if they have limited credit history.Pentadata is a big reason VantageScore is able to do this. Pentadata is a financial data orchestration platform – which means its customers can access many different kinds of financial data through a single point of contact, or, in software terms, a single API.Rikard and Arvind have joined us to talk about:What's making credit scores more accurate - things like rent and utility payments that are big predictors of consumer payment behavior, but which have been omitted from credit scoring until recently.What it takes to get new kinds of data like that into the credit scoring system - it's not as easy as it looks!And what all of this means for the marketplace, from consumers to businesses.

Episode 1. 00:00 - Intro. 04:05 - Elizabeth Lane's statement on Erika Kirk and thoughts. 15:07 - Wrinkles in upbringing. 31:48 - Wrinkles in family history. 49:46 - The Wrinkle in Time School. 57:36 - Comments. PreBorn!​ To donate, dial #250 and say they keyword “BABY" or by visiting https://preborn.com/candace Kikoff​ ​ Build credit fast and get your first month for just a dollar at https://getkikoff.com/candace today. Thanks to Kikoff for sponsoring us! Must sign up via getkikoff.com/candace to activate offer. Offer applies to new Kikoff customers' first month only. Subject to approval. Offer subject to change. Average first-year credit score impact of +84 points (VantageScore 3.0) between Jan-2023 & Jan-2024 for Kikoff Credit Account users who started with a score below 600; who paid on-time; and who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary. PDS Debt​ Don't wait another month; take back control in 30 seconds. Get your free, personalized assessment and the best option for you http://pdsdebt.com/candace Nimi Skincare​ ​ Save 10% on your order with promo code CANDACE10 at http://www.NimiSkincare.com PureTalk​ Make the switch today and save an additional 50% off your first month at http://www.PureTalk.com/Owens ​ Home Title Lock​ Go to https://hometitlelock.com/candace and use promo code CANDACE to get a FREE title history report and a FREE TRIAL of their Triple Lock Protection! For details visit https://hometitlelock.com/warranty American Financing​ NMLS 182334, http://www.nmlsconsumeraccess.org. APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 800-795-1210 for details about credit costs and terms. Visit http://www.AmericanFinancing.net/Owens. ​ Tax Network USA​ Do not wait for another IRS letter or a frozen bank account. Call 866-686-1651. or visit http://tnusa.com/candace Candace Official Website: https://candaceowens.com Candace Merch: https://shop.candaceowens.com Candace on Apple Podcasts: https://t.co/Pp5VZiLXbq Candace on Spotify: https://t.co/16pMuADXuT Candace on Rumble: https://rumble.com/c/RealCandaceO Candace en Español: https://www.youtube.com/@CandaceOwensEnEspanol Candace Owens em Português: https://www.youtube.com/@CandaceOwensemPortugues Candace Owens en Français: https://www.youtube.com/@CandaceOwensEnFrançais Learn more about your ad choices. Visit megaphone.fm/adchoices

Ashley Sellers of Equifax sits down with Jordan Sullivan, Director of Retail Lending at CSL Financial, to explore how modern credit scoring is reshaping mortgage lending. As one of the first lenders to adopt VantageScore for underwriting, CSL shares real-world results, from higher approval rates and lower costs to stronger portfolio performance. The conversation dives into affordability, trended credit data, thin-file borrowers, and why delaying adoption of new credit models may be a competitive disadvantage for lenders navigating today's evolving credit ecosystem.Economist Justin Begley of Moody's Analytics provides our economic update.In this episode:Why did CSL Financial adopt VantageScore for underwriting?CSL Financial adopted VantageScore after internal testing showed it was a stronger predictor of credit risk than legacy models. The lender found it better aligned with borrower behavior and more effective for evaluating thin and non-traditional credit files.How does VantageScore help lenders approve more borrowers?VantageScore uses trended credit data to evaluate whether a borrower's financial behavior is improving or declining over time. This allows lenders to make more informed decisions than snapshot-based models, helping qualified borrowers who may have been overlooked receive approval.What results has CSL Financial seen using VantageScore?Since adopting VantageScore, CSL Financial has increased loan pull-through rates from approximately 8% to nearly 20%, while maintaining stable delinquency levels. The lender has also reduced credit-related costs and improved portfolio performance. Who benefits most from VantageScore-based underwriting?Borrowers with thin credit files, limited credit history, or past credit challenges benefit most. This includes younger borrowers building credit and older consumers who have paid off debt and have limited active tradelines.Why is delaying VantageScore adoption a competitive disadvantage?Lenders who delay adoption risk higher costs, lower approval rates, and less accurate risk pricing. Early adopters like CSL Financial report both operational savings and stronger credit outcomes, making modern scoring models a competitive advantage.

Bassem joins me live! See Bassem's tour dates and buy tickets here: https://www.bassemyoussef.xyz ​Magisterium AI​ Go to http://www.Magisterium.com/CANDACE or download the app for free on iOS or Android. Use code CANDACE to upgrade to Pro and get 25% off your first year. American Financing​​ NMLS 182334, http://www.nmlsconsumeraccess.org. APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 800-795-1210 for details about credit costs and terms. Visit http://www.AmericanFinancing.net/Owens. Kikoff​ Build credit fast and get your first month for just a dollar at https://getkikoff.com/candace today. Thanks to Kikoff for sponsoring us! Must sign up via getkikoff.com/candace to activate offer. Offer applies to new Kikoff customers' first month only. Subject to approval. Offer subject to change. Average first-year credit score impact of +84 points (VantageScore 3.0) between Jan-2023 & Jan-2024 for Kikoff Credit Account users who started with a score below 600; who paid on-time; and who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary. ​PureTalk​ Make the switch today and save an additional 50% off your first month at http://www.PureTalk.com/Owens Candace Official Website: https://candaceowens.com Candace Merch: https://shop.candaceowens.com Candace on Apple Podcasts: https://t.co/Pp5VZiLXbq Candace on Spotify: https://t.co/16pMuADXuT Candace on Rumble: https://rumble.com/c/RealCandaceO Candace en Español: https://www.youtube.com/@CandaceOwensEnEspanol Candace Owens em Português: https://www.youtube.com/@CandaceOwensemPortugues Candace Owens en Français: https://www.youtube.com/@CandaceOwensEnFrançais Learn more about your ad choices. Visit megaphone.fm/adchoices

Tony Milne, President and COO of CredHub, joins the podcast to discuss the evolving multifamily credit landscape, credit reporting as a behavior driver, resident retention through transparency, the advantage of building credit history for tenants, and the future of rent reporting.Tony further explores various credit scoring models, such as VantageScore 4, data standards, bureau adoption, and compliance considerations that property managers should prepare for. Finally, he discusses practical ways to successfully launch and implement tools to improve overall resident satisfaction.Explore additional Beyond Rent episodes by connecting with us on Facebook, Instagram, TikTok, LinkedIn, and YouTube.You can learn more about Tony Milne on LinkedIn, and CredHub on the company's website.Visit RentManager.com/Podcast to submit an idea for an upcoming episode of Beyond Rent and discover more about the program.Learn more about Rent Manager's industry-leading accounting, reporting, maintenance, and communication features at RentManager.com, or connect with us on LinkedIn, Facebook, Instagram, YouTube, and X.

Jennifer Henry of Equifax sits down with Andrew Davidson, president of Andrew Davidson & Co. and a leading voice in mortgage analytics, to unpack one of the most misunderstood elements of housing finance: credit scores. They explore what a credit score actually measures, why different models and bureaus produce different results, how VantageScore's adoption could reshape risk evaluation, and what investors, lenders, and consumers need to know as the industry shifts toward new data sources and scoring frameworks.What is a credit score and what does it measure?A credit score is a model applied to a specific credit file to predict the likelihood that a borrower will become delinquent. It is based only on the data included in that credit file, not the consumer's entire financial life.Why do credit scores differ between bureaus or scoring companies?Scores vary because:Each bureau holds different underlying data.Scoring companies group data differently based on their models.The same borrower may fall into different “risk buckets” depending on how the model evaluates attributes (e.g., payment history, utilization, depth of file).Different models may both predict risk effectively yet categorize borrowers differently.How does adopting multiple scores (e.g., VantageScore + FICO) affect the industry?Having multiple accepted scores encourages deeper analysis of:How risk is grouped and measuredWhich score is most predictive for different loan typesHow investors calibrate pricing and performance expectationsThis shift pushes the industry to understand why scores differ, not just rely on a single number.How could alternatives to tri-merge (bi-merge or single file) impact lending decisions?Using fewer files may lower cost and streamline operations, but may reduce visibility into borrower behavior—especially for thin-file or non-traditional applicants. More data generally improves risk grouping.How does alternative data (e.g., utilities, telco, rental history) influence credit scoring?Alternative data helps:Create a more complete financial pictureSurface strong repayment behavior not shown on traditional trade linesImprove risk assessments for people with non-traditional income patterns or limited credit historyHowever, adding new data is not enough. Lenders and investors must also understand how that data influences models.Where can listeners learn more?Andrew Davidson & Co: ad-co.comFinancial Lifecycle Education (FiCycle): ficycle.org

HousingWire CEO Clayton Collins brings together an unprecedented trio — Joel Rickman (Equifax), Michele Bodda (Experian), and Satyan Merchant (TransUnion) — for a first-of-its-kind conversation on how data is redefining the mortgage process. The three leaders also unpack key topics dominating the MBA Annual 25 conference floor — from the tri-merge debate and the cost of credit reports to regulatory shifts, innovation in alternative data, and the rise of VantageScore.More from this episode:Why is data so important in today's mortgage ecosystem?Data drives nearly every step of the mortgage process — from pre-qualification to underwriting. As Joel Rickman explains, “more data is better for the consumer,” because richer data helps more people qualify for home loans while maintaining safety and soundness in the system.How are the credit bureaus competing and collaborating?While they compete fiercely for business, the three bureaus share a united goal of financial inclusion. Each is innovating through differentiated data sources like rental payments, utilities, telecom data, and cash-flow insights — all designed to represent consumers more fairly.What new data types are shaping credit files?The credit file has never been more diverse.Buy Now, Pay Later (BNPL) accountsRental and utility paymentsShort-term lending dataCash-flow management attributesThese data sets help lenders build more accurate profiles of consumers who were previously underserved or “credit invisible.”What role does regulation play in driving innovation?The panelists agree that regulation and innovation can coexist. The FHFA's adoption of modern scores like VantageScore 4.0 is one example of policy enabling progress — allowing new models that use broader data to enter the market.What is the bi-merge debate, and why does it matter?The bi-merge proposal — using two credit reports instead of three — is a hot topic at MBA Annual 2025.The bureaus argue that reducing data increases risk and could harm consumers by creating gaps in credit history, leading to higher pricing or denied loans.How are the bureaus improving consumer education?Each company invests in tools and partnerships that help consumers understand and improve their credit:Equifax: education through lender partnershipsExperian: initiatives like Boost and HomeFree USA to reach underrepresented communitiesTransUnion: free credit monitoring and app-based education to help consumers take control of their credit healthWhat innovations are leading the way in credit reporting?Equifax is leveraging The Work Number and NCTUE data to bring employment and telecom insights into credit decisions.Experian is pioneering cash-flow scoring and consumer-permissioned data.TransUnion is expanding rental trade lines and short-term lending insights to include more first-time buyers.How should lenders prepare for VantageScore adoption in 2026?All three bureaus encourage lenders to start testing VantageScore now. They're offering early access to evaluate how it performs in underwriting and portfolio management before GSE guidelines take effect. 

Emmaline Aliff of Equifax joins Dr. Amy Crews Cutts, Chief Economist at AC Cutts & Associates, to unpack the real costs and competitive dynamics of mortgage credit reporting. They dig into what the data actually shows about tri-merge pricing, lender negotiation power, fallout loans, and the entry of VantageScore.In this episode:What is the true cost of pulling a credit report for a mortgage?The cost of a mortgage credit report usually falls within a wide range—from around $40 up to about $240 per file, depending on factors like the number of borrowers and the products included (such as trended data or monitoring services). While some lenders cite an average cost around $155, the actual cost is often driven by how many borrowers are on the application, how many times credit is pulled, and which ancillary services are added.Why do lenders say credit reports are “too expensive”?Many lenders feel credit reports are expensive not because of the unit price, but because of fallout—loans that never close. When a lender pulls credit and the borrower doesn't complete the loan, the lender usually eats that cost. Unlike appraisals, credit report fees are often not collected upfront, so unrecovered costs on fallout loans can make credit reporting feel disproportionately expensive.How much does a credit report actually matter in the total cost of a mortgage?In the context of a full mortgage transaction, the credit report fee is typically a small fraction of total closing costs and prepaid expenses. Even if a report costs $60–$150, that's minimal compared to items like taxes, insurance, and appraisal fees. The real financial impact often comes from how credit information influences interest rates and approvals, not just the report fee itself.What is a tri-merge credit report and why does it exist?A tri-merge credit report combines data from the three nationwide credit reporting agencies—Equifax, Experian, and TransUnion—into one consolidated file. This helps:Reduce blind spots by capturing regional and portfolio differences between bureausGive investors and GSEs (Fannie Mae, Freddie Mac) a more complete view of borrower riskSupport underwriting models that rely on rich, multi-bureau data rather than a single viewTri-merge helps maintain investor confidence in mortgage-backed securities by reducing data gaps and gaming risk.

On today's sponsored episode, HousingWire president and returning Power House host Clayton Collins sits down with Jennifer McGuinness, the CEO of Pivot Financial. With her extensive Wall Street background and her experience at Deutsche Bank, CoreVest, and WinWater, Jennifer brings unparalleled expertise to today's conversation about non-QM products and the future of mortgage securitization Clayton and Jennifer dive deep into product diversification strategies, the importance of prudent underwriting, and the innovative securitization framework that Pivot is developing to level the playing field for small and mid-sized lenders. They also tackle persistent non-QM misconceptions, explore the untapped potential of first and second lien HELOCs, and discuss how VantageScore 4.0 could reshape credit evaluation. Here's what you'll learn: Why non-QM products are essential for lender survival in today's market, not risky subprime lending How first lien HELOCs can serve as game-changing cash management tools for borrowers The real story behind VantageScore vs. FICO and what bond markets aren't telling you Pivot's revolutionary securitization framework could democratize liquidity for smaller lenders Why product innovation — not just rates and asset prices — holds the key to housing affordability Related to this episode:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Jennifer McGuinness | LinkedIn Pivot Financial Pivot Financial | LinkedIn ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The Power House podcast brings the biggest names in housing to answer hard-hitting questions about industry trends, operational and growth strategy, and leadership. Join HousingWire president Diego Sanchez every Thursday morning for candid conversations with industry leaders to learn how they're differentiating themselves from the competition. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

Recorded live at MBA Annual 2025, HousingWire CEO Clayton Collins talks with Joel Rickman, SVP of Verification Services/Workforce Solutions at Equifax, and Justin Demola, President of Lenders One, about the ripple effects of FICO's new pricing model, the rise of VantageScore, and how smarter lending data can drive efficiency, affordability, and innovation across the housing market.In this episode:Why is the FICO vs. VantageScore discussion so important right now?The FHFA's move to accept VantageScore opened the door for more competition and potential savings. While some lenders worry about cost increases, experts explain how competition is already driving innovation and pricing transparency—helping lenders better serve homebuyers.How are Equifax and other bureaus responding to these market shifts?Equifax, Experian, and TransUnion have each added new data benefits within existing pricing structures. At Equifax, that includes embedding income and employment data into credit reports to reduce costs and improve decision accuracy. The goal: help lenders make smarter, faster, and fairer lending decisions.What role does Lenders One play in shaping this change?Lenders One represents over 230 independent mortgage bankers, providing cooperative buying power and technology tools. By building its own credit-reporting platform and partnering with bureaus like Equifax, Lenders One helps members gain flexibility, lower costs, and optimize workflows.How can lenders create efficiency in loan manufacturing?The guests stress “buy what you need, when you need it.” That means pulling the right data at the right stage of the loan, automating income verification later in the process, and using analytics to predict fallout rates—reducing unnecessary costs while keeping accuracy high. 

At MBA Annual 2025, HousingWire CEO Clayton Collins interviewed Rikard Bandebo, Chief Strategy Officer and Chief Economist at VantageScore, about one of the biggest industry shifts in decades: the entrance of VantageScore into the mortgage ecosystem. In this episode:Why is credit score competition important?For decades, the mortgage industry has relied on one scoring model. With the Federal Housing Finance Agency (FHFA) expanding options, VantageScore introduces innovation, transparency, and fairness—allowing lenders to assess creditworthiness more accurately and consumers to qualify for mortgages previously out of reach.How will this change expand homeownership?VantageScore's model incorporates up to 24 months of credit history and uses alternative data sources, helping identify five million additional households that could qualify for mortgages. These consumers are often in rural or high-rental communities, meaning the change supports economic growth and financial inclusion in underserved markets.What are the implications for lenders and the market?·       Lenders: Gain new tools to expand their customer base without increasing risk.·       Consumers: See more consistent and transparent scoring.·       Market: Competitive pricing for credit data, increased innovation, and better access to affordable lending.What's next for mortgage credit innovation?Lenders are encouraged to back-test their portfolios, prepare internal systems, and align with new data channels to ensure readiness as the transition accelerates in 2026.

Recorded live at MBA Annual25 in Las Vegas, host Rebecca Kritzman, SVP of Experience and Partner Marketing at Equifax, sits down with Emmaline Aliff, Tom Ciulla, and Chris Mock to unpack the biggest themes from Day One — from innovation and data-driven lending to the industry's ongoing dialogue around tri-merge vs. single-bureau credit models.Who are the speakers?Rebecca Kritzman – SVP, Experience & Partner Marketing, EquifaxEmmaline Aliff – Leader, Equifax AdvisorsTom Ciulla – SVP, Enterprise Alliances, EquifaxChris Mock – VP Mortgage Verification Services, EquifaxTogether, they bring perspectives from marketing, data strategy, sales, and economic analysis. What are the major takeaways from MBA Annual25 Day One?Optimism and Energy: Attendees are feeling energized by collaboration and the potential for industry innovation.Tri-Merge vs. Single-Bureau Debate: Executives discussed the implications of recent announcements on credit models and what they mean for lenders and low-to-moderate-income borrowers.Data-Driven Decisions: The Equifax team emphasized how expanded data, tri-bureau perspectives, and new credit indicators help lenders make more responsible, inclusive lending decisions.Balancing Innovation and Safety: Many sessions focused on adopting new technologies without compromising trust or consumer protection.Industry Alignment: Across meetings, Equifax was recognized for leadership in data innovation and responsible lending. Why is innovation such a key theme this year?Rapid regulatory shifts, market uncertainty, and announcements about credit scoring models have pushed lenders to explore new data sources, smarter automation, and more personalized credit insights. The conversation centered on how innovation can serve both lenders and consumers — improving efficiency while promoting fair access to credit.  What challenges did the speakers highlight?The group noted miscommunication and uncertainty around policy changes and data use. They stressed the need for industry education, transparent communication, and data-backed decision-making to reduce fear and misinformation.  What gives them hope about the mortgage market?Every guest emphasized a shared sense of responsibility and care within the industry — a collective commitment to helping people live their financial best through responsible, data-driven lending.  

Recorded live at MBA Annual25 in Las Vegas, host Rebecca Kritzman and guests Ashley Sellers, Elaina McFarland, and Bobby Deery break down what lenders are asking for right now: AI-driven workflow efficiency, expanding use of soft-pull strategies, and dual processing to analyze Vantage Score alongside existing scores. Who are the speakers?Rebecca Kritzman – SVP, Experience & Partner Marketing, EquifaxAshley Sellers – VP, Mortgage Sales, EquifaxElaina McFarland – Leader, Solution Sales Experts (Credit & Verification), EquifaxBobby Deery – SVP, Product, Credit Division, EquifaxTogether, they explore the intersection of innovation, compliance, and customer trust.What were the major insights from Day Two?AI and Automation in Workflows: Lenders are adopting AI to streamline process flows and improve efficiency from application through close.Rising Interest in Dual Processing: Many lenders are testing Vantage Score alongside existing models to compare outcomes and assess portfolio risk.Soft Pull Momentum: Equifax's soft-pull tools are helping lenders pre-qualify borrowers and protect consumers' credit scores, especially under the new trigger law.Voice of the Customer: Product teams are incorporating direct lender feedback to guide new innovations such as income qualify and telco/pay-TV/utility data integrations.Education and Clarity: With rapid industry change — from FICO model updates to 1B vs. 3B credit reporting — customers are asking for clear, data-driven guidance. What challenges did attendees highlight?Widespread uncertainty dominated discussions — from pricing implications and trigger-law timing to confusion around single- vs. tri-bureau models. Customers expressed concern about misinformation and asked for help educating both lenders and consumers on what these changes truly mean.What recommendations did Equifax leaders share?Stand up dual-score processing to compare outcomes between Vantage and FICO models.Collaborate with Equifax product teams to provide feedback that shapes future solutions.Audit your process flows to align products (credit, verification, income qualify) with milestones that deliver the most value.Prioritize education and communication — both internally and with consumers — to navigate market shifts confidently. 

Learn how to get and read your free credit reports and spot red flags so you can protect your score and money. How do you set a realistic budget for a big life event without guilt? What's the foolproof way to get and read your free credit reports? In this episode, hosts Sean Pyles and Elizabeth Ayoola discuss wedding budgeting and credit monitoring to help you protect your finances. They open by discussing trip and wedding budgeting trade-offs, like how to prioritize comfort, set spending caps, and decide when to splurge. They share tactics for separating wedding and honeymoon costs, using cash gifts and registries wisely, and staying flexible when real prices blow past early estimates. Then, NerdWallet lead writer Amanda Barroso joins Sean and Elizabeth to answer listeners' questions about how to access and monitor their credit reports. They explain the difference between reports and scores and do a live read-through of Sean's Experian report. They cover how to get free weekly credit reports, how to spot hard vs. soft inquiries, what truly matters to your score, what to ignore, and step-by-step moves to dispute errors with the right bureau(s) fast. NerdWallet's list of the best high-yield savings accounts: https://www.nerdwallet.com/banking/best/high-yield-online-savings-accounts  Standout high-yield CDs: https://www.nerdwallet.com/m/banking/standout-cd-rates-2  Enter your deposit, CD term and APY to see what interest you would earn on a certificate of deposit with NerdWallet's free CD calculator: https://www.nerdwallet.com/banking/calculators/cd-calculator  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: free credit report, credit score, FICO vs VantageScore, how to read a credit report, dispute credit report errors, credit freeze vs lock, Experian, Equifax, TransUnion, hard vs soft inquiry, identity theft credit report, free weekly credit reports, adverse action notice, credit utilization, bank app credit score, frozen credit report, collections on credit report, mortgage on credit report, mixed credit files, verify identity for credit report, step by step read credit report, remove errors from credit report, how to check credit score for free, VantageScore 3.0, FICO score 10T, credit bureau upsell, lock vs freeze security, and travel budget planning. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tommy Pope sits down with Nick Murphy and Josh Francis. Nick has a special out on Youtube now called "Live in Tempe" - Josh is the cohost of Friendly Fire Podcast and creator of the "Off With Their Heads Comedy" sketch page Comedians Chris and Tommy Pope are making all kinds of Stuff on the paytch. Each week they talk about anything & everything under the sun. Tommy also chefs up some delicious meals. It's a blast, folks. Check out our second channel @LookatDish where Tommy Pope and Chris O'Connor cook elaborate meals with your favorite comedians See thicker, stronger, faster-growing hair with less shedding in just 3-6 months with Nutrafol. For a limited time, Nutrafol is offering our listeners ten dollars off your first month's subscription and free shipping when you go to https://www.Nutrafol.com and enter the promo code STUFF. Download the DraftKings Sports book app and use code STUFFISLAND. That's code STUFFISLAND, bet five bucks and get 3 months of League Pass plus get $300 in bonus bets if your bet wins. In partnership with Draft Kings — The Crown Is Yours. Gambling problem? Call one eight hundred Gambler. In New York, call eight seven seven eight HOPENY or text HOPENY (four six seven three six nine). In Connecticut, Help is available for problem gambling. Call eight eight eight seven eight nine seven seven seven seven or visit ccpg dot org. Please play responsibly. On behalf of Boot Hill Casino & Resort (Kansas). Pass-thru of per wager tax may apply in Illinois. Twenty-one plus age and eligibility varies by jurisdiction. Void in Ontario. Restrictions apply. Bet must win to receive Bonus Bets which expire in 7 days. Minimum odds required. NBA League Pass auto-renews until cancelled. Additional terms at D K N G dot co slash audio. Limited time offer. Start building credit with Kikoff today, and get your first month for as little as one dollar. That's 80% off the normal price when you go to https://www.getkikoff.com/STUFFISLAND today. Must sign up via getkikoff.com/STUFFISLAND to activate offer. Offer applies to new Kikoff customers' first month only. Subject to approval. Offer subject to change. Average first-year credit score impact of +84 points (VantageScore 3.0) between Jan-2023 & Jan-2024 for Kikoff Credit Account users who started with a score below 600; who paid on-time; and who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary. SUB TO PATREON: patreon.com/stuffisland Follow Chris on IG: https://www.instagram.com/achrisoconnor Follow Tommy on IG: https://www.instagram.com/tommyjpope #comedy #comedypodcast Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Kevin Moss (Senior Advisor at Baselayer, former CRO) to help launch Facing Credit, a new series where we unpack what's happening in lending right now. We start with student loans. Repayment data is finally flowing back to credit bureaus after years of paused reporting (which have inflated credit scores; lenders need to recalibrate how they read risk). Meanwhile, the SAVE program's gone, and borrowers in default could have up to 15% of their wages garnished. Around 2M people are already at risk, with more likely to follow. If federal loans move back to the private market, college access could shrink fast. Next, open banking. Chase and Plaid agreed to a deal for paid API access, while Chase also partnered with Nova Credit to expand cash-flow underwriting. Kevin's view is that cost recovery makes sense (as a former banker for 31 years, who's been in fintech for 10+ years!), and there's precedent for it, but data pricing shouldn't stifle innovation (or become a tool to protect card economics). Finally, big moves in mortgage land. FICO ended its long-time exclusive distribution arrangement with the credit bureaus and began selling scores directly to lenders. Equifax fired back by cutting VantageScore pricing and pledging free scores in 2026 for FICO users. Kevin sees this as the end of FICO's monopoly and the start of real competition. Lenders have gained leverage to rethink data models, and if the bureaus play it right, they'll win the long game. Plus, we'll close each Facing Credit episode with our guest's take on one trend (or observation) shaping the industry. This time: how will a slowing economy hit lending portfolios? Tune in for Kevin's take! Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Kevin Moss: LinkedIn: https://www.linkedin.com/in/kevin-moss-b032163/   Follow Alex Johnson:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonX: https://www.twitter.com/AlexH_Johnson

Think your credit score is too low to buy a home? That may be about to change. In this episode, Jeb Smith and Josh Lewis sit down with Anthony Hutchinson of VantageScore to break down a major shift in the mortgage world. For the first time ever, Fannie Mae and Freddie Mac will soon accept VantageScore 4.0, a game-changer for first-time buyers, renters with thin credit files, and underserved communities. Start your stress-free loan journey todayJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/   What if I told you that the biggest reason your clients aren't getting approved for mortgages isn't their debt or income, but an outdated credit scoring system?For decades, if your clients wanted a mortgage backed by Fannie Mae or Freddie Mac, they had to pass the classic FICO test. No exceptions. It didn't matter if they'd paid their rent on time for 10 years or if their utility bills were flawless. If it wasn't in the FICO model, it didn't count.But now, for the first time ever, lenders can choose between two models: FICO or VantageScore 4.0. This game-changing shift is finally breaking FICO's decades-long monopoly and giving your clients a chance to score a home, maybe for the first time in their lives.In today's episode, I'm breaking down the advantages of VantageScore 4.0 and showing you how you can capitalize on this change to scale your credit repair business.Tune in! Key Takeaways:00:00 Intro 00:57 The FICO Test vs. VantageScore 4.002:07 Business Opportunity for Credit Heroes03:13 Historical Context and Significance of FICO04:55 Challenges in Adopting VantageScore 4.006:10 My Final Thoughts 06:52 Outro  Additional Resources:Get a free trial to Credit Repair CloudGet my free credit repair training  5 Possible Reasons and How to Fix ThemMake sure to subscribe so you stay up to date with our latest episodes.

Millions of Americans may soon qualify for a mortgage—without a traditional FICO score. In this episode, Jeb and Josh break down how VantageScore 4.0 could reshape homeownership by scoring renters, gig workers, and others left behind by outdated credit models. They explain why this shift matters, how it compares to FICO, and what it really means for you as a future homebuyerStart your stress-free loan journey todayJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

Summer in Bakersfield is no joke—and neither are the challenges it brings to homeowners! In this episode of the Kern County Real Estate Review, Laurie McCarty of The McCarty Group shares expert real estate advice tailored to surviving (and thriving) during the hottest months of the year.From roof inspections and foundation checks to smart irrigation systems and energy-saving upgrades, Laurie walks listeners through practical summer home maintenance tips that protect your investment, lower utility bills, and prevent costly repairs. Plus, she breaks down a major change from Fannie Mae and Freddie Mac that could open the door to homeownership for millions of first-time buyers—thanks to the new VantageScore 4.0 credit model.Whether you're a longtime homeowner or a first-time buyer navigating your first Central Valley summer, this episode is packed with real estate tips for hot weather living.

Episode 566 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, is joined by Owen Lee to break down the FHFA's recent announcement that lenders can now use the VantageScore 4.0 with Fannie and Freddie—no new infrastructure required. Owen, who serves as Vice Chair of the MBA, unpacks what this change really means for loan officers and whether it's a genuine effort to lower credit report costs or just a flashy move from the same credit bureaus that already control the game. They dive into the skyrocketing cost of credit pulls, the oligarchy of the credit scoring world, and the practical challenges this update presents for pricing, mortgage insurance, and secondary market execution. You'll hear how VantageScore aims to help underserved borrowers—but also why it may not be the silver bullet it seems at first glance. This episode is packed with insight, industry advocacy, and some straight talk about where credit reporting is headed and how it could impact your daily business. Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.

Ahead of President Trump signing the country's first-ever piece of crypto legislation, Robinhood CEO Vlad Tenev joins us in a “First on CNBC” interview from the White House. Plus, Netflix shares having their worst month in nearly 2 years despite blockbuster earnings. MNTN CEO Mark Douglas breaks down their ad future. And we dig into the divide between FICO and VantageScore for consumers.    

On today's episode, Editor in Chief Sarah Wheeler talks with Managing Editor James Kleimann about the Q2 mortgage volume and profits reported by Chase and Wells Fargo, as well as the latest on Bayview's acquisition of Guild and VantageScore 4.0. Related to this episode: JPMorgan Chase, Wells Fargo see mortgage volumes surge in Q2 (but not profits) Pulte's VantageScore bombshell sends the mortgage industry scrambling ⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠More info about HousingWire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate stories. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

New policies are shaking up both the rental and mortgage landscapes. In today's episode, we explore how pet-friendly rental listings can help landlords lease units faster and why nearly 60% of renters now have a pet. Then, we break down a major shift in mortgage underwriting: Fannie Mae and Freddie Mac will now allow lenders to use VantageScore 4.0, a move that could expand homeownership access and lower costs for millions. Whether you're a landlord, renter, or real estate investor, this episode has the insights you need to stay ahead. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you dreaming of buying your home one day but your credit hasn't been cooperating? Well great news! In a historic decision, the Federal Housing Finance Agency, the parent authority over Fannie Mae and Freddie Mac, has recently announced they are accepting VantageScore 4.0 to be accepted! Up until now, only FICO models were acceptable. This change could help millions more show up on paper in a way that leads to loan approval, where in the past they may have experienced scores too low or credit too thin for approval. This is a GAME CHANGER and truly exciting!Questions@creditkristi.com

The home buying market is about to get a boost. Anthony Hutchinson discusses a game-changing announcement from FHFA director that could make up to 5 million new potential home buyers eligible for a mortgage. Hutchinson explains how VantageScore's new approval for conventional mortgages will open up an estimated $1 trillion in new business and give more Americans a shot at homeownership.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-...Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-...Watch on Sling - https://watch.sling.com/1/asset/19192...Watch on Vizio - https://www.vizio.com/en/watchfreeplu...Watch on DistroTV - https://www.distro.tv/live/schwab-net...Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

On today's episode, Editor in Chief Sarah Wheeler talks with Managing Editor James Kleimann about the FHFA's announcement this week that VantageScore 4.0 would be accepted by Fannie and Freddie effective immediately. Related to this episode: Pulte says GSEs will accept VantageScore 4.0 immediately ⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠More info about HousingWire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate stories. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at potential impacts on mortgage rates from the privatization of Fannie Mae and Freddie Mac. Plus, Robbie sits down with CHLA's Scott Olson to discuss the rising costs of credit scores, the monopoly power of FICO, and how increased competition, from VantageScore to new credit scoring models, could reshape the mortgage lending landscape. And we close with some predictions about what this week's economic calendar will bring.Today's episode is sponsored by CreditXpert—the credit optimization platform that helps today's top mortgage originators and more than 60,000 mortgage professionals qualify more applicants, make more competitive offers, reduce LLPA premiums and close more loans. Download your free copy of the credit optimization playbook today at creditxpert.com/chrisman.