Fannie Mae and Freddie Mac, U.S. government-sponsored enterprises, have approved mortgage lenders to use the VantageScore 4.0 credit scoring model for all mortgages sold to the two companies. This move is an expansion of a previously limited rollout, confirmed by Federal Housing Finance Agency (FHFA) Director Bill Pulte in a post on X on September 3. The VantageScore 4.0 model incorporates data points not considered by traditional FICO scores, such as rental payments, which may help homebuyers with thin credit histories obtain mortgages or more favorable rates. Additionally, the Federal Housing Administration (FHA) will begin insuring mortgages underwritten using the VantageScore 4.0 and FICO 10T models starting January 1 next year.