TransUnion will maintain standalone VantageScore 4.0 mortgage-origination pricing at $0.99 through December 2028 and continue providing the score at no additional cost to mortgage customers who purchase a FICO score. The extension follows the Federal Housing Finance Agency’s September 2026 expansion of VantageScore 4.0 access for approved Fannie Mae and Freddie Mac lenders, while the Federal Housing Administration plans to accept mortgage collateral backed by the model from Jan. 1, 2027. Adoption reached more than 1,100 mortgage lenders between January and September 2026, including 9 of TransUnion’s 15 largest mortgage lender customers.