Loan Think

In order to believe in the idea of "competition" in credit scores, the Washington housing community must believe that large institutional investors who buy whole loans and mortgage-backed securities are really, really dumb, writes the Chairman of Whalen Global Advisors

The truth is straightforward: the VantageScore 4.0 credit score outperforms the outdated FICO Classic credit score for mortgage, writes the chief data scientist at VantageScore.

VantageScore's claims of outperforming Classic FICO rely on flawed methods and biased comparisons that overstate its impact, according to analysts from AEI Housing Center.

FICO's claims about its 10T score highlight how its monopoly has stifled innovation and raised costs for homebuyers, according to the CHLA's Rob Zimmer.

With comments on the proposed repeal due Sept. 26, stakeholders must demand decisions based on data — not politics, according to the founder of 480 Advisors.

VantageScore 4.0 is more predictive than Classic FICO, offering a measurable lift in identifying high-risk borrowers and avoiding losses, according to the chief data scientist at VantageScore.

The Federal Housing Finance Agency director should spend less time on partisan attacks and social media posting, and more on trying to resolve the housing crisis.

VantageScore 4.0 offers no real edge over FICO and could add risks to housing finance, analysts at AEI's Housing Center argue.

If they exit conservatorship, Fannie Mae and Freddie Mac might increase fees or retain servicing rights, shrinking their market share, according to the Chairman of Whalen Global Advisors.

True ROI in mortgage tech comes from business goals, not operational fixes, writes the Chief Growth Officer of Rocktop Technologies.