Movement Mortgage Adopts VantageScore 4.0, Accelerating Industry Shift Toward Modern Credit Scoring

SAN FRANCISCO--(BUSINESS WIRE)--Movement Mortgage, one of the nation’s leading mortgage lenders, is now implementing VantageScore 4.0 credit scores for eligible homebuyers. The adoption of VantageScore 4.0 marks another significant milestone in the mortgage industry's rapid transition to the most advanced credit scoring model available today.

“Movement Mortgage's adoption of VantageScore 4.0 is further proof that the mortgage industry has long been ready to enter a new era of credit scoring innovation,” said Anthony Hutchinson, EVP and Head of Public Affairs at VantageScore. “Leading lenders increasingly recognize that modern, more predictive credit scores help them make better-informed, cost-effective lending decisions while expanding access to homeownership.”

VantageScore 4.0 adoption continues to grow across the mortgage ecosystem. The VantageScore 4.0 credit scoring model is offered through Experian, Equifax and TransUnion, as well as mortgage technology providers including Xactus, Calyx and Optimal Blue. Its use in mortgage was pioneered by the Government Sponsored Enterprises (GSEs), Fannie Mae and Freddie Mac, as well as the Federal Home Loan Banks, the Federal Housing Administration and the U.S. Department of Veterans Affairs.

Are you seeking to use 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 Movement Mortgage, LLC (“Movement”)

Movement is not just a mortgage company – we’re an Impact Lender and force for positive change. With more than 3,000 teammates across all 50 states, we reinvest the majority of our profits back into the communities we serve. Movement is recognized as a top 10 overall lender by Scotsman Guide 2025 lender report, funding more than $20 billion in residential mortgages annually. Our company has contributed nearly $400 million to the Movement Foundation since 2012, funding the Movement Schools network, affordable housing projects and global outreach efforts. For more information on Movement and Impact Lending, visit movement.com/impactreport.