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

The pricing commitment covers a score whose adoption expanded to more than 1,100 mortgage lenders between January and September 2026.

Rhea-AI Summary

TransUnion (TRU) extended its $0.99 standalone VantageScore 4.0 mortgage origination score pricing through December 2028.

Mortgage customers who purchase a FICO score can continue to receive VantageScore 4.0 at no additional cost. In September 2026, the Federal Housing Finance Agency expanded the score’s availability to approved Fannie Mae and Freddie Mac lenders. The Federal Housing Administration plans to accept mortgage collateral backed by the score beginning January 1, 2027.

Between January and September 2026, adoption expanded to more than 1,100 mortgage lenders, including 9 of TransUnion’s 15 largest mortgage lender customers.

6 points · 0 major

Weighs positiveiHow this balance works

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0 major · 0 points

Hollow bars mark forward-looking points. How the balance works

Positive

• Moderate pointFHFA availability expanded in September 2026 to approved Fannie Mae and Freddie Mac lenders.
• Moderate point. Forward-looking: it has not happened yet and may not happen.FHA acceptance of mortgage collateral backed by VantageScore 4.0 is planned for January 1, 2027.
• Moderate pointAdoption expanded to more than 1,100 mortgage lenders between January and September 2026.
• Minor point. Forward-looking: it has not happened yet and may not happen.$0.99 standalone mortgage origination score pricing remains in place through December 2028.
• Minor point. Forward-looking: it has not happened yet and may not happen.No additional cost for VantageScore 4.0 continues for mortgage customers who purchase a FICO score.
• Minor point9 of TransUnion’s 15 largest mortgage lender customers were among the adopting lenders.

Negative

• None.

Key Figures

Standalone mortgage origination score price: $0.99 per score Pricing extension: Through December 2028 Additional cost with FICO score purchase: $0 +3 more

Standalone mortgage origination score price

$0.99 per score

VantageScore 4.0 pricing when ordered standalone

Pricing extension

Through December 2028

Extended mortgage pricing for VantageScore 4.0

Additional cost with FICO score purchase

$0

VantageScore 4.0 offered to mortgage customers who purchase a FICO score

Mortgage lender adoption

More than 1,100 lenders

Adoption expanded between January and September 2026

Largest mortgage lender customers adopting

9 of 15

TransUnion's largest mortgage lender customers

Planned FHA acceptance start

January 1, 2027

Planned acceptance of mortgage collateral backed by VantageScore 4.0

Key Terms

tradelines, mortgage-backed securities

2 terms

tradelines financial

"along with rental and utility tradelines"

Tradelines are individual entries on a credit report that record each credit account—such as a credit card, mortgage, or personal loan—showing details like balance, credit limit, payment history, and current status. They matter to investors because the pattern of tradelines across many borrowers signals overall credit quality and risk, influencing lending decisions, interest rates, and the performance of finance-related investments; think of them as a financial medical chart used to assess health and risk.

mortgage-backed securities financial

"incorporating multiple credit score perspectives into mortgage-backed securities"

A mortgage-backed security is an investment made by pooling many home loans and selling the right to the borrowers’ monthly payments to investors, so you receive a stream of principal and interest much like collecting payments on a bundle of IOUs. It matters to investors because it provides regular income but carries risks from homeowners missing payments or paying off loans early, and its value moves with interest rates and housing market conditions.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Three-year commitment provides greater pricing certainty and drives innovation as FHFA announces VantageScore 4.0 availability for all approved Fannie Mae and Freddie Mac lenders

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.  

The announcement follows the Federal Housing Finance Agency’s (FHFA) September 2026 expansion of VantageScore 4.0 availability to approved Fannie Mae and Freddie Mac lenders, further advancing access to modern credit scoring solutions and greater choice across the mortgage industry. This momentum continues with the Federal Housing Administration’s (FHA) planned acceptance of mortgage collateral backed by VantageScore 4.0 beginning January 1, 2027, helping broaden access to homeownership opportunities for more creditworthy Americans.

“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,” said 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.” 

VantageScore 4.0 is a next-generation credit scoring model that leverages trended credit data insights along with rental and utility tradelines, giving lenders a more complete view of consumer credit behavior. To help lenders and investors confidently assess and adopt VantageScore 4.0, TransUnion will continue to offer historical data and analytical support at no cost, allowing testing through TransUnion’s TruIQ™ Data Enrichment platforms. 

"Mortgage lenders should not have to choose between innovation and affordability,” Merchant added. 

TransUnion continues to see growing interest from lenders evaluating or implementing VantageScore 4.0-driven strategies across origination, prequalification and portfolio risk management. Between January and September 2026, VantageScore 4.0 adoption expanded to more than 1,100 mortgage lenders, including 9 of TransUnion’s 15 largest mortgage lender customers.  At the same time, participants across the mortgage capital markets are increasingly recognizing the value of incorporating multiple credit score perspectives into mortgage-backed securities, helping improve transparency and broaden investor insight. 

About TransUnion (NYSE: TRU)

TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments, we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.

http://www.transunion.com/business

Contact	Dave Blumberg
	TransUnion
E-mail	david.blumberg@transunion.com
Telephone	312-972-6646

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How much does TransUnion charge for VantageScore 4.0 mortgage origination scores?

TransUnion charges $0.99 per score when VantageScore 4.0 is ordered on a standalone basis, with that pricing extended through December 2028. Mortgage customers who purchase a FICO score can continue to receive VantageScore 4.0 at no additional cost.

How can mortgage lenders test VantageScore 4.0 through TransUnion?

TransUnion will continue to offer historical data and analytical support at no cost for testing VantageScore 4.0 through its TruIQ Data Enrichment platforms.