AWACSMortgage compliance intelligence from Flightline

Briefings

Weekly briefing, October 5, 2026

Updates published to for Conventional, USDA. Built from published records only.

Action required, new this week

Required changes published this week.

Freddie Mac, Guide Bulletin 2026-K,
Action required

Credit Fee grids aligned across VantageScore 4.0 and Classic FICO Credit Score models

Loan impactConventionalCreditDeliverySecondary

Applies to: Mortgages sold to Freddie Mac with Settlement Dates on or after October 1, 2026, including those with VantageScore 4.0 or Classic FICO Indicator Scores.

What to review: First review how Mortgages with Settlement Dates on or after October 1, 2026 are allocated to Loan Selling Advisor contracts (contract acceptance date on or after October 1, 2026) so the updated Credit Fees apply regardless of Credit Score model, then note that VantageScore 4.0 Credit Fee grids no longer apply to negotiated provisions in Purchase Documents. AWACS interpretation

Effective Oct 1, 2026, by settlement dateView affected requirements →

Coming into effect in the next 60 days

Effective dates from .

Review recommended

New guidance, clarifications, flexibilities, overlays and insurer positions.

Nothing to review this week.

Threads that moved

Topics more than one source has acted on, with a new update this week.

  • VantageScore 4.0 acceptance for mortgage delivery, FHA, and mortgage insurance
    Arch MIArch MI now accepts VantageScore 4.0 loans for all programs from operationally ready customers, requires lenders to indicate the representative score model and score used, and leaves minimum credit score requirements unchanged.
    Fannie MaeFannie Mae added VantageScore 4.0 and FICO Score 10T to the Selling Guide as approved models, with VantageScore 4.0 limited to approved lenders and other lenders continuing to use classic FICO.
    Freddie MacFreddie Mac applies Credit Fees that no longer differ by score model to contracts with an acceptance date on or after 2026-10-01, with Bulletin 2026-H eligibility requirements unchanged.
    National MINational MI now accepts VantageScore 4.0 for DU Approve/Eligible and LPA Accept/Eligible loans, which are insurable when GSE requirements and the TrueGuide VS4 score minimums are met.

Data releases

Data releases and announcements with no direct requirement.

No data releases this week.