Experian Supports Industry Readiness Following FHFA and FHA Move Toward VantageScore 4.0 in Mortgage Origination

COSTA MESA, Calif.--(BUSINESS WIRE)--Following the Federal Housing and Finance Agency (FHFA) and the Federal Housing Administration’s (FHA) move to support the expanded use of VantageScore 4.0 in mortgage origination, Experian today reaffirmed its readiness to help lenders, investors and industry stakeholders evaluate and operationalize the shift.

As the industry evaluates this shift, the focus turns to understanding real-world impact across risk, performance and opportunity. Experian is actively supporting this transition with capabilities that enable faster analysis, validation and execution.

“We are encouraged by the announcement today from Secretary Turner and Director Pulte. FHFA and FHA’s direction marks an important step forward for the mortgage ecosystem,” said Michele Bodda, President of Employer Services, Verification Solutions and Housing at Experian. “This moment creates a clear path to demonstrate the real-world performance of VantageScore 4.0 at scale. Experian continues to be ready to help lenders and investors analyze impact, validate strategies and move forward with confidence.”

Through Experian’s Ascend Platform and Mortgage Loan Performance (MLP) dataset, originators can:

• Analyze nationwide mortgage performance across consumer, loan and property attributes
• Compare VantageScore 4.0 with legacy models to assess loss risk, prepayment behavior and credit migration
• Support investor and regulatory analysis with explainable, production-grade analytics
• Move from insight to execution by simulating credit strategies and quantifying market opportunity

The FHFA and FHA announcement coincides with the expanded availability of Experian’s Mortgage Loan Performance dataset, which can now be hosted at Experian and delivered through select cloud-based platforms with support for AI-enabled natural language querying.

With these capabilities in place, Experian is helping the industry evaluate, adapt and move forward as adoption discussions evolve.

For more information, visit https://www.experian.com/mortgage/.

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realize their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

We invest in talented people and new advanced technologies to unlock the power of data and to innovate. A FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,200 people across 33 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.