VantageScore Is Changing Everything: What Lenders & Borrowers MUST Know
Update: 2025-08-01
Description
The biggest mortgage innovation in 30 years is here—and it's not just hype. The FHFA is moving Fannie Mae and Freddie Mac toward VantageScore, setting off a seismic shift in credit evaluation, loan pricing, and mortgage access across the country.
Tony Blodgett unpacks how the shift to VantageScore could expand credit access, disrupt FICO’s dominance, drive underwriting changes, and start impacting the industry as early as 2025.
👉 Whether you're a loan officer, mortgage exec, or just want to stay ahead of the biggest shakeup in lending since automated underwriting—this episode is your playbook.
📌 Topics We Cover:
📌 New episodes drop every Friday at 10 AM PT!
Tony Blodgett unpacks how the shift to VantageScore could expand credit access, disrupt FICO’s dominance, drive underwriting changes, and start impacting the industry as early as 2025.
👉 Whether you're a loan officer, mortgage exec, or just want to stay ahead of the biggest shakeup in lending since automated underwriting—this episode is your playbook.
📌 Topics We Cover:
- VantageScore vs. FICO 10T: Key differences and industry adoption
- Tri-merge vs. bi-merge credit reports
- Credit accessibility: Alternative data, rent, utilities, medical debt
- Loan Level Price Adjustments (LLPA) and risk-based pricing evolution
- Credit report fee structures and market competition
- Timeline: What to expect in 2025 and full rollout by 2026?
- How to prepare clients—and yourself—for what’s ahead
- Continuous learning in the face of AI and automation
📌 New episodes drop every Friday at 10 AM PT!
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