Mortgage Credit Scoring Is Changing: Inside VantageScore’s Challenge to FICO | E23

Описание: Mortgage credit scoring is entering a new competitive phase—raising practical questions for originators, aggregators, guarantors, and RMBS investors about calibration, comparability, and workflow adoption. In this episode, VantageScore leaders, Rikard Bandebo and Tony Hutchinson, break down what’s changing, why it matters, and what to watch next—including the push toward cash-flow and open-banking data.

What we cover:

• Why mortgage scoring is changing—and what “FICO classic” really means
• Trended data and newer risk signals: what improves, what doesn’t
• Adoption friction: workflow inertia across the mortgage ecosystem
• Investor questions: disclosure, comparability, and spread implications
• The next frontier: open banking / cash-flow data and “VantageScore 4 Plus”

Listen and subscribe:

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Topics:
consumer credit, abs, securitization, mortgage credit scoring, FICO, VantageScore, RMBS, GSE underwriting, open banking, cash-flow data

#consumercredit #abs #securitization #lending #capitalmarkets #mortgage #ficoscore #vantagescore #rmbs #openbanking

consumer credit matters, consumer credit, abs, securitization, structured finance, capital markets, mortgage credit scoring, mortgage underwriting, RMBS, GSE, Fannie Mae, Freddie Mac, credit bureaus, Experian, Equifax, TransUnion, FICO classic, FICO 10T, VantageScore, VantageScore 4, VantageScore 4 Plus, trended data, cash flow data, open banking, risk calibration, investor disclosure, Rikard Bandebo, Tony Hutchinson

CHAPTERS
00:00 Mortgage Credit Scores Are Changing: What to Know (FICO vs VantageScore)
04:09 Why VantageScore Exists: Origin Story and Market Purpose
08:14 Modern Scoring Upgrades: Trended Data and Better Risk Signals
18:55 Why Change Is Hard: Inertia, Adoption, and Mortgage-Workflow Friction
28:04 Competition, Model Evaluation, and Data Access
32:44 Transparency for Investors: Disclosures, RMBS, FHFA/GSE Practices
41:03 What Mortgage Can Learn From Credit Cards
46:43 Next Frontier: Open Banking, Cash-Flow Data, and “VantageScore 4 Plus”