TransUnion Extends 99-Cent Mortgage Pricing for VantageScore® 4.0 Through the End of 2028 to Support Competition and Price Stability in Mortgage Credit Scoring

VantageScore 4.0 is a next-generation credit scoring model that leverages trended credit data insights along with rental and utility tradelines, giving lenders a more complete view of consumer credit behavior. To help lenders and investors confidently assess and adopt VantageScore 4.0, TransUnion will continue to offer historical data and analytical support at no cost, allowing testing through TransUnion's TruIQ™ Data Enrichment platforms.

"Mortgage lenders should not have to choose between innovation and affordability," Merchant added.

TransUnion continues to see growing interest from lenders evaluating or implementing VantageScore 4.0-driven strategies across origination, prequalification and portfolio risk management. Between January and September 2026, VantageScore 4.0 adoption expanded to more than 1,100 mortgage lenders, including 9 of TransUnion's 15 largest mortgage lender customers. At the same time, participants across the mortgage capital markets are increasingly recognizing the value of incorporating multiple credit score perspectives into mortgage-backed securities, helping improve transparency and broaden investor insight.