CrossCountry Mortgage says its customers should not have to wait for the broader industry to catch up before benefiting from newer technology and more lending choices. Brian Clark, the company’s director of product and pricing, said the lender saw a chance to give loan officers another tool to assist qualified borrowers, adding that greater flexibility can lead to meaningful savings for customers.
CCM is also widening its options for loans that can be sold to Fannie Mae and Freddie Mac. As part of that change, it is dropping its former 80% loan-to-value cap so eligible loans can span the full range of LTV ratios.
The lender is likewise broadening its Department of Veterans Affairs lending offerings, giving loan officers more room to help eligible borrowers, including veterans and active-duty service members.
VantageScore 4.0 has been gaining ground across the mortgage industry after receiving approval from the Federal Housing Finance Agency for lenders that originate loans through government-sponsored enterprises. FHFA Director Bill Pulte also said the GSEs would use a single pricing matrix for loan-level price adjustments regardless of the scoring model used.
Other mortgage lenders have also pointed to customer savings. Rocket Mortgage said it would be the first mortgage lender to make VantageScore 4.0 its preferred credit scoring model for all eligible loans.
The company reached that decision after testing VantageScore and FICO for about four months using 1.4 million credit reports across both models this year. Rocket said the testing showed that VantageScore 4.0 helped some additional borrowers qualify for mortgages. Borrowers who saved money through VantageScore saved an average of $1,600 at closing, according to the company.
United Wholesale Mortgage also said it would obtain both a FICO score and a VantageScore 4.0 on every credit pull and use the strongest qualifying score for each borrower. The company said internal research suggested that using all available scores could save many borrowers thousands of dollars over the life of a loan.
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