VantageScore 4.0 Now Integrated into Calyx and APS, Expanding Lender Access to the Most Advanced Mortgage Credit Score Available

SAN FRANCISCO--(BUSINESS WIRE)--VantageScore 4.0 credit scores are now available via Calyx, a leading provider of comprehensive mortgage software solutions for banks, credit unions, mortgage bankers and lenders, as part of lenders’ existing workflows. Advantage Partner Solutions (APS) now pulls VantageScore 4.0 credit scores directly into Calyx’s Path, Point and Zenly loan origination platforms, making the most advanced consumer credit score for mortgages directly available to lenders and brokers across the United States. As lender adoption of VantageScore 4.0 continues to accelerate, Calyx and APS’s integration of VantageScore into their platforms demonstrates the rapid evolution of the mortgage technology infrastructure supporting it.

"There is a broad evolution happening in the mortgage industry, from how lenders are evaluated to the ways that lenders use data throughout the mortgage process," said Dr. Rikard Bandebo, EVP, Chief Strategy Officer and Chief Economist at VantageScore. "VantageScore 4.0 gives lenders all the tools they need to make the best decisions for their business, utilizing the most modern, predictive and innovative credit scoring capabilities in the mortgage market today."

“We are entering a period of meaningful change in how mortgage lenders evaluate credit,” said Sung Park, Senior SVP of Product Development at Calyx. “As new scoring models expand the data and options available to lenders, our responsibility is to make sure Calyx customers can take advantage of those changes within the technology they already use. Bringing VantageScore 4.0 across Path, Point and Zenly helps prepare our customers for where the mortgage market is going next.”

VantageScore 4.0 adoption has spread rapidly throughout the mortgage industry. Calyx is the latest mortgage finance industry leader to adopt VantageScore 4.0, following Optimal Blue, Rocket Mortgage, Fannie Mae, Freddie Mac, the Federal Housing Administration (FHA), the Federal Home Loan Banks and U.S. Department of Veterans Affairs.

Seeking to pilot VantageScore 4.0? Resources for lenders interested in using VantageScore 4.0 to responsibly identify more qualified borrowers using modern, data-driven and predictive scoring are available at www.vantagescore.com/lenders.

About VantageScore®

VantageScore is the fastest-growing credit scoring company in the U.S., and is known for the industry’s most innovative, predictive and inclusive credit score models. In 2024, usage of VantageScore increased by 55% to hit 42 billion credit scores. More than 3,700 institutions, including nine of the top 10 U.S. banks, use VantageScore credit scores and digital tools to provide consumer credit products or generate greater insights into consumer behavior. The VantageScore 4.0 credit scoring model scores 33 million more people than traditional models. With the FHFA allowing the immediate use of VantageScore 4.0 for Fannie Mae and Freddie Mac guaranteed mortgages, the company is also ushering in a new era for mortgage lending.

VantageScore is an independent joint venture company owned by Equifax, Experian and TransUnion.

About Calyx

For more than 30 years, Calyx has helped mortgage lenders and brokers adapt to an evolving industry through technology designed to simplify mortgage operations. Today, the Calyx Path Platform connects the people, data, workflow, and services involved in mortgage lending through a shared loan foundation. Supporting loan origination, pricing, credit, documents, compliance, analytics, marketing, and investor connectivity, the platform helps lenders reduce operational complexity, adapt to changing market demands, and deliver a more connected lending experience.

About Advantage Partners Solutions (APS)

Advantage Partners Solutions (APS) is a credit reporting, verification, and data solutions provider serving mortgage lenders, brokers, banks, and credit unions nationwide. Formed through the integration of Advantage Credit and Partners Credit, APS brings together decades of combined experience in credit reporting with a service model built around accuracy, responsiveness, and accountability. The company's offerings span credit verification, tax transcripts, undisclosed debt monitoring, employment and income verification, and related compliance tools, with integrations across major loan origination systems. APS is headquartered in Edmonds, Washington.