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
Key Highlights
- ➤Mortgage pricing $0.99 per VantageScore 4.0 origination score extended through December 2028
- ➤VantageScore 4.0 remains free for mortgage customers purchasing a FICO score
- ➤FHFA expanded VantageScore 4.0 availability to approved Fannie Mae and Freddie Mac lenders
- ➤FHA plans to accept VantageScore 4.0-backed mortgage collateral beginning January 1, 2027
- ➤VantageScore 4.0 adoption surpassed 1,100 mortgage lenders through September 2026
Expert Statements
Satyan Merchant, Senior vice president and mortgage business leader at TransUnion
“Broad availability of VantageScore 4.0 gives lenders another accepted credit scoring option, and predictable pricing will help them adopt that option with greater confidence”
Satyan Merchant, Senior vice president and mortgage business leader at TransUnion
“By extending our pricing through the end of 2028, TransUnion is offering three years of price stability while supporting greater competition and score choice in the mortgage market.”
Satyan Merchant, Senior vice president and mortgage business leader at TransUnion
“Mortgage lenders should not have to choose between innovation and affordability,”
CHICAGO, Sept. 29, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that it will extend its mortgage pricing for VantageScore® 4.0 through December 2028, providing lenders, mortgage resellers and other industry participants with long-term pricing certainty as adoption of modern credit scoring models continues to accelerate.
Under the extended program, VantageScore 4.0 will continue to be available for $0.99 per mortgage origination score when ordered on a standalone basis. TransUnion was the first of the credit bureaus to announce that reduction earlier this year to help make home buying more affordable. TransUnion will also continue to offer VantageScore 4.0 at no additional cost to mortgage customers who purchase a FICO® score.
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