Rocket Mortgage adopts VantageScore 4.0 as preferred credit model for eligible loans
RKT•Rocket Mortgage will default to VantageScore 4.0 for eligible loans in the fourth quarter of 2026. A four-month test found more borrowers qualified, credit-scoring costs fell, and borrowers who saved averaged $1,600 in closing-cost savings.
1. Eligible loans shift
Rocket Mortgage plans to default to VantageScore 4.0 for eligible loans in the fourth quarter of 2026, including mortgages delivered to Fannie Mae and Freddie Mac, VA loans and other eligible mortgages. Rocket Pro will provide mortgage brokers with both VantageScore and FICO scores, while some products will continue using FICO.
