{"id":1003695,"date":"2026-09-15T11:41:07","date_gmt":"2026-09-15T15:41:07","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\/"},"modified":"2026-09-15T11:41:07","modified_gmt":"2026-09-15T15:41:07","slug":"1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\/","title":{"rendered":"1 in 4 Borrowers Seeing a Better Outcome With VantageScore\u00ae 4.0 \u2013 Soon to Be 2 in 5"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><b>1 in 4 Borrowers Seeing a Better Outcome With <\/b><b>VantageScore<sup>\u00ae<\/sup> 4.0 \u2013 Soon to Be 2 in 5<\/b><\/p>\n<p class=\"bwalignc\"><i>UWM Sees Growing Number of Borrowers Move From \u201cNo Loan\u201d to Homeowner With Modern Credit Scoring Model<\/i><\/p>\n<p>PONTIAC, Mich.&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<br \/>\nThe first mortgage lender to offer VantageScore<b><sup>\u00ae<\/sup><\/b> 4.0 when it became available earlier this year is already seeing the impact of this modern scoring model. For borrowers whose mortgage broker partners use UWM, a different approach to credit scoring is already producing a more favorable outcome.<\/p>\n<p>\nBy using VantageScore 4.0 instead of the traditional FICO scoring model, approximately 25% of borrowers are currently seeing a more advantageous credit result \u2014 a difference that can potentially improve pricing, provide better LLPAs, improved mortgage insurance, increase loan eligibility and, in some cases, turn what could have been a \u201cno loan\u201d into homeownership.<\/p>\n<p>\nAnd the impact is accelerating. By the end of the month, UWM anticipates that number could reach 2 in 5 borrowers.<\/p>\n<p>\nThe results highlight the potential of VantageScore 4.0 to help broaden access to homeownership by providing a more complete, modern assessment of a consumer\u2019s creditworthiness, without changing lending standards.<\/p>\n<p><i>\u201cThe addition of VS4 has been one of the best things that has come from FHFA in many, many years,\u201d<\/i> said Mat Ishbia, President and CEO. <i>\u201cThe mortgage industry talks a lot about affordability and expanding homeownership, but this is what expanding homeownership actually looks like, and we appreciate FHFA and Director Pulte for taking a serious look at the opportunities VS4 provides and taking action, which has been a home run for consumers and now we are seeing other agencies follow his lead.\u201d<\/i><\/p>\n<p>\nVantageScore 4.0 uses additional information and trending credit data to assess how consumers manage credit over time, creating a more comprehensive view of a borrower\u2019s credit profile. That can be particularly important for consumers whose creditworthiness may not be fully captured by traditional scoring approaches.<\/p>\n<p>\nFor a borrower, that difference could be significant. A change in credit score can affect mortgage eligibility, loan pricing, mortgage insurance costs and other loan terms.<\/p>\n<p>\nBut behind those numbers is an even more meaningful result: more qualified consumers gaining an opportunity to become homeowners.<\/p>\n<p>\nThe adoption of VantageScore 4.0 marks one of the most significant changes to mortgage credit scoring in decades, bringing greater competition and a modern approach to evaluating consumer credit.<\/p>\n<p><b>About UWM Holdings Corporation and United Wholesale Mortgage<\/b><\/p>\n<p>\nHeadquartered in Pontiac, Michigan, UWM Holdings Corporation (UWMC) is the publicly traded indirect parent of United Wholesale Mortgage, LLC (\u201cUWM\u201d). UWM is the nation\u2019s largest home mortgage lender, despite exclusively originating mortgage loans through the wholesale channel. UWM has been the largest wholesale mortgage lender for 11 consecutive years and is also the largest purchase lender in the nation. With a culture of continuous innovation of technology and enhanced client experience, UWM leads the market by building upon its proprietary and exclusively licensed technology platforms, superior service and focused partnership with the independent mortgage broker community. UWM originates primarily conforming and government loans across all 50 states and the District of Columbia. For more information, visit <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fuwm.com&amp;esheet=54604585&amp;newsitemid=20260915062335&amp;lan=en-US&amp;anchor=uwm.com&amp;index=1&amp;md5=706afcfc9058b0d6ba88bbc64ab14784\">uwm.com<\/a> or call 800-981-8898. NMLS #3038.<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260915062335r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20260915062335\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20260915062335\/en\/<\/a><\/span><\/p>\n<p>\nMEDIA CONTACT<br \/>\n<br \/>Nicole Roberts, Team Leader, Communications and Media<br \/>\n<br \/>248-833-4287<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:Nroberts1@uwm.com\">Nroberts1@uwm.com<br \/>\n<\/a><br \/>585 South Blvd E. Pontiac, Michigan 48341<br \/>\n<br \/><a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=http%3A%2F%2Fwww.uwm.com&amp;esheet=54604585&amp;newsitemid=20260915062335&amp;lan=en-US&amp;anchor=uwm.com&amp;index=2&amp;md5=ff69b6894b346272b71777ade5bdc7b5\">uwm.com<\/a><\/p>\n<p><b>KEYWORDS:<\/b> United States North America Michigan<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Professional Services Finance<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20260915062335\/en\/2901476\/3\/UWM%C2%AE_Color.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>1 in 4 Borrowers Seeing a Better Outcome With VantageScore\u00ae 4.0 \u2013 Soon to Be 2 in 5 UWM Sees Growing Number of Borrowers Move From \u201cNo Loan\u201d to Homeowner With Modern Credit Scoring Model PONTIAC, Mich.&#8211;(BUSINESS WIRE)&#8211; The first mortgage lender to offer VantageScore\u00ae 4.0 when it became available earlier this year is already seeing the impact of this modern scoring model. For borrowers whose mortgage broker partners use UWM, a different approach to credit scoring is already producing a more favorable outcome. By using VantageScore 4.0 instead of the traditional FICO scoring model, approximately 25% of borrowers are currently seeing a more advantageous credit result \u2014 a difference that can potentially improve pricing, provide better LLPAs, improved mortgage &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;1 in 4 Borrowers Seeing a Better Outcome With VantageScore\u00ae 4.0 \u2013 Soon to Be 2 in 5&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-1003695","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>1 in 4 Borrowers Seeing a Better Outcome With VantageScore\u00ae 4.0 \u2013 Soon to Be 2 in 5 - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"1 in 4 Borrowers Seeing a Better Outcome With VantageScore\u00ae 4.0 \u2013 Soon to Be 2 in 5 - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"1 in 4 Borrowers Seeing a Better Outcome With VantageScore\u00ae 4.0 \u2013 Soon to Be 2 in 5 UWM Sees Growing Number of Borrowers Move From \u201cNo Loan\u201d to Homeowner With Modern Credit Scoring Model PONTIAC, Mich.&#8211;(BUSINESS WIRE)&#8211; The first mortgage lender to offer VantageScore\u00ae 4.0 when it became available earlier this year is already seeing the impact of this modern scoring model. For borrowers whose mortgage broker partners use UWM, a different approach to credit scoring is already producing a more favorable outcome. By using VantageScore 4.0 instead of the traditional FICO scoring model, approximately 25% of borrowers are currently seeing a more advantageous credit result \u2014 a difference that can potentially improve pricing, provide better LLPAs, improved mortgage &hellip; Continue reading &quot;1 in 4 Borrowers Seeing a Better Outcome With VantageScore\u00ae 4.0 \u2013 Soon to Be 2 in 5&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-15T15:41:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260915062335r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"1 in 4 Borrowers Seeing a Better Outcome With VantageScore\u00ae 4.0 \u2013 Soon to Be 2 in 5\",\"datePublished\":\"2026-09-15T15:41:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\\\/\"},\"wordCount\":570,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cts.businesswire.com\\\/ct\\\/CT?id=bwnews&amp;sty=20260915062335r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\\\/\",\"name\":\"1 in 4 Borrowers Seeing a Better Outcome With VantageScore\u00ae 4.0 \u2013 Soon to Be 2 in 5 - 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For borrowers whose mortgage broker partners use UWM, a different approach to credit scoring is already producing a more favorable outcome. By using VantageScore 4.0 instead of the traditional FICO scoring model, approximately 25% of borrowers are currently seeing a more advantageous credit result \u2014 a difference that can potentially improve pricing, provide better LLPAs, improved mortgage &hellip; Continue reading \"1 in 4 Borrowers Seeing a Better Outcome With VantageScore\u00ae 4.0 \u2013 Soon to Be 2 in 5\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\/","og_site_name":"Market Newsdesk","article_published_time":"2026-09-15T15:41:07+00:00","og_image":[{"url":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260915062335r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"1 in 4 Borrowers Seeing a Better Outcome With VantageScore\u00ae 4.0 \u2013 Soon to Be 2 in 5","datePublished":"2026-09-15T15:41:07+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\/"},"wordCount":570,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\/#primaryimage"},"thumbnailUrl":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260915062335r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/1-in-4-borrowers-seeing-a-better-outcome-with-vantagescore-4-0-soon-to-be-2-in-5\/","name":"1 in 4 Borrowers Seeing a Better Outcome With VantageScore\u00ae 4.0 \u2013 Soon to Be 2 in 5 - 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