Fannie Mae Announcement SEL-2026-04 (April 22, 2026) — Selling Guide Update (VantageScore)
Fannie Mae Announcement SEL-2026-04 (April 2026) — Selling Guide Update (VantageScore). Full verbatim text, substring-verified against snapshot e0173d37d04791e0.
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Verbatim provisions from Fannie Mae Announcement SEL-2026-04 (April 22, 2026) — Selling Guide Update (VantageScore) — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
Fannie Mae Announcement SEL-2026-04 (April 22, 2026) — Selling Guide Update (VantageScore)
© 2026 Fannie Mae SEL-2026-04 Page 1 of 2 Selling Guide Announcement (SEL-2026-04) April 22, 2026 The Selling Guide has been updated to add VantageScore® 4.0 and FICO® Score 10T as approved credit score models. These additions will provide lenders with options when ordering a three in-file merged credit report. View the list of impacted topics. Addition of approved credit score models In partnership with U.S. Federal Housing (FHFA) and Freddie Mac, Fannie Mae is in the process of implementing new credit score models to support the transition to a modernized and more competitive credit score framework for mortgage underwriting. As part of this framework, the credit score models approved by FHFA are classic FICO, VantageScore 4.0, and FICO Score 10T. With this change, we updated the Selling Guide to include VantageScore 4.0 and FICO Score 10T as approved credit score models. Lenders who wish to participate in the delivery of loans assessed using VantageScore 4.0 should submit their interest online or contact their Fannie Mae account team for additional details on availability, eligibility requirements, and applicable delivery instructions. The following versions of VantageScore 4.0 are eligible for immediate use by approved lenders: • Equifax VantageScore 4.0 • Experian VantageScore 4.0 • TransUnion VantageScore 4. 0 The implementation of FICO Score 10T will follow at a later date. We will provide additional guidance prior to its availability, but encourage lenders to refer to the Fannie Mae Credit Score Models and Reports Initiatives page for more information. Lenders not approved to deliver loans using VantageScore 4.0 must continue to use classic FICO in accordance with the Selling Guide. Effective: If approved for use of VantageScore 4.0, lenders will be provided further instructions. Lenders may contact their Fannie Mae Account Team if they have questions about this Announcement. Have guide questions? Get answers to all your policy questions, straight from the source. Ask Poli. © 2026 Fannie Mae SEL-2026-04 Page 2 of 2 Impacted Topics Section of the Announcement Updated Selling Guide Topics (Dated Apr. 22, 2026) Addition of approved credit score models B3-5.1-01, General Requirements for Credit Scores B3-5.1-02, Determining the Credit Score for a Mortgage Loan E-3-03, Acronyms and Glossary of Defined Terms: C
Operationalizing Fannie Mae Announcement SEL-2026-04 (April 22, 2026) — Selling Guide Update (VantageScore)
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