VantageScore 4.0 mortgage pricing cut to 99 cents by TransUnion

TransUnion just announced that it is cutting the price it charges lenders for VantageScore 4.0 mortgage origination scores to 99 cents per score.

What exactly changed?

• New price: 0.99 dollars per VantageScore 4.0 score used in mortgage originations.

• Previous pricing: Earlier 2026 mortgage pricing from TransUnion had VantageScore 4.0 at about 4 dollars per score (already a discount vs FICO), so this is a further steep cut.

• Bundled with FICO: TransUnion will continue providing VantageScore 4.0 at no additional charge to mortgage customers who also buy a FICO score from TransUnion.

Why are they doing this?

• TransUnion estimates the 99‑cent pricing could generate more than 900 million dollars in potential savings for lenders and consumers, mainly by lowering score costs in mortgage origination.

• The move is explicitly positioned as supporting the Federal Housing Finance Agency’s push for more competition in mortgage credit scores and greater homebuyer affordability.

• It is also meant to encourage lenders to choose VantageScore 4.0 over FICO, which is described as “much more expensive” and has been priced around 10 dollars per score in recent announcements.

What is VantageScore 4.0 in this context?

• It is a newer credit scoring model that uses trended credit data, plus rental and utility tradelines, to improve predictive power and support responsible credit growth.

• TransUnion says it is the only bureau offering 30 months of trended credit data alongside VantageScore 4.0, giving lenders a more complete picture of borrower behavior.

Practical implications for you

• For borrowers: Lower score pricing does not change your personal credit score, but it can slightly reduce lenders’ costs per mortgage and, over time, could support marginally lower fees or more competition in underwriting.

• For lenders: The cost to pull a VantageScore 4.0 for a mortgage file drops to under 1 dollar, and it remains effectively free when bundled with a FICO score from TransUnion, which may make dual‑scoring or VantageScore testing more attractive.