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