AWACSMortgage compliance intelligence from Flightline

Fannie Mae · Selling Guide Announcement SEL-2026-04 · Published

Fannie Mae adds VantageScore 4.0 and FICO Score 10T as approved credit score models

The Selling Guide now lists VantageScore 4.0 and FICO Score 10T as approved credit score models, with VantageScore 4.0 available only to approved lenders and FICO Score 10T to follow later. Lenders not approved to deliver loans using VantageScore 4.0 must continue to use classic FICO.

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Loan impact

From the announcement text · verified

Applies to: Fannie Mae loans where approved lenders choose VantageScore 4.0 credit scores; lenders not approved continue to use classic FICO.

Investor
Fannie Mae
Programs
Conventional
Affected areas
Report; Score; Credit score modelGuide Section B3-5.1-01
Affected documents
Three in-file merged credit report
Exceptions
Lenders not approved for VantageScore 4.0 continue to use classic FICO; FICO Score 10T not yet available
Applicability confidence
Verified: every row above is supported by the source text
Supporting quotes from the announcement
  • exceptions“Lenders not approved to deliver loans using VantageScore 4.0 must continue to use classic FICO in accordance with the Selling Guide.”
  • exceptions“The implementation of FICO Score 10T will follow at a later date.”
  • affected areas“With this change, we updated the Selling Guide to include VantageScore 4.0 and FICO Score 10T as approved credit score models.”
  • guide sections“B3-5.1-01, General Requirements for Credit Scores”
  • guide sections“B3-5.1-02, Determining the Credit Score for a Mortgage Loan”
  • guide sections“E-3-03, Acronyms and Glossary of Defined Terms: C”
  • affected documents“These additions will provide lenders with options when ordering a three in-file merged credit report.”

What changed

From the announcement text · Section B3-5.1-01
RequirementPreviouslyNow
Add VantageScore 4.0 and FICO Score 10T as approved credit score modelsRelaxedNot statedVantageScore 4.0 (Equifax, Experian, TransUnion versions) usable by approved lenders; FICO Score 10T to follow later

Also affected: Sections B3-5.1-02, E-3-03.

What to do

AWACS interpretation · not source language

QC implications

  • Check that loans using VantageScore 4.0 come only from lenders approved to deliver loans with that model.
  • Check that loans from lenders not approved for VantageScore 4.0 still use classic FICO.
  • Confirm that no loan relies on FICO Score 10T, since it is not yet available.
  • Review the three in-file merged credit report on sampled loans to confirm the score model used matches the lender's approval status.

Source and record

Version 1 · archived

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  • Loan impact quotes verbatim
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