The FHFA’s move to accept VantageScore for GSE mortgages could reshape credit access. In this interview with Rikard Bandebo and Clayton Collins outline why expanding scoring models matters not just for regulators and lenders, but for rural communities, high-rent markets, and millions of consumers previously excluded from homeownership. Bandebo pulls back the curtain on the performance of VantageScore 4.0, its 24-month lookback, and it’s ability to score borrowers that legacy models could potentially overlook.

Bandebo also addresses the industry’s readiness challenge, from originators already back-testing their portfolios to lenders who risk falling behind. He breaks down pricing dynamics, bureau relationships, and what competition really looks like after decades. The message is clear: the lenders preparing now will gain ground. Those who hesitate won’t.