NAR Issues Statement After FHFA Announces VantageScore 4.0 Now Accepted

WASHINGTON (September 10, 2026) - Today, Shannon McGahn, executive vice president and chief advocacy officer of the National Association of Realtors®, issued the following statement after Fannie Mae and Freddie Mac announced they will accept loans with VantageScore from all lenders:

"The National Association of REALTORS® thanks Director Pulte, Fannie Mae, and Freddie Mac, for their diligent work to vet and adapt VantageScore 4.0 to their systems," said Shannon McGahn, executive vice president and chief advocacy officer of the National Association of REALTORS®. "The implementation of VantageScore marks a major milestone for credit scoring, introducing competition among score providers and the use of alternative data such as telecom and utility bills as well as rent payments. This change is the first time a credit score using alternative data has been available to the broad housing finance system and represents years of testing and vetting by the Federal Housing Finance Agency, the GSEs, industry, and academia. NAR has been a steadfast proponent of the use of alternative data and credit competition for years, and in time, this important change may lead to better access and affordability for some homebuyers."

About the National Association of Realtors®

The National Association of Realtors® is involved in all aspects of residential and commercial real estate. The term Realtor® is a registered collective membership mark that identifies a real estate professional who is a member of the National Association of Realtors® and subscribes to its strict Code of Ethics. For free consumer guides about navigating the homebuying and selling transaction processes - from written buyer agreements to negotiating compensation - visit facts.realtor.

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