联邦住房管理局更新信用评分政策：新增 VantageScore 4.0 与 FICO 10T 两种评分模型
联邦住房管理局（FHA）10月8日发布承保机构函2026-11，正式将 VantageScore 4.0 与 FICO Score 10T 两种信用评分模型列为可接受的评分模型，与经典 FICO 评分并行使用。该函同时确立了在提交多个评分模型时，如何在交易层面确定最低决策信用评分（MDCS）的方法。
新规适用于2027年1月1日或之后分配 FHA 案件编号的第二类（Title II）抵押贷款计划。FHA 表示，此前的9月10日公告已发布《FHA 替代信用评分实施准备指南》等资源，该局还将举办答疑时段，协助承保机构与行业伙伴完成系统与流程调整，以支持新规实施。
FHA 在公告中表示，将继续鼓励承保机构联系其信用与技术合作伙伴，确保在实施日期前具备必要的系统、流程与能力。信用评分是房贷审批中评估借款人信用风险的核心指标之一，此次调整把可用的评分模型从单一经典 FICO 扩展为三种。
FHA Updates Credit Score Policy: VantageScore 4.0 and FICO Score 10T Added as Acceptable Models Alongside Classic FICO
The Federal Housing Administration (FHA) published Mortgagee Letter 2026-11 on October 8, formalizing the addition of VantageScore 4.0 and FICO Score 10T as acceptable credit score models alongside Classic FICO. The letter establishes guidance for determining the Minimum Decision Credit Score (MDCS) at the transaction level when multiple models are submitted.
The policy applies to Title II mortgage programs for FHA case numbers assigned on or after January 1, 2027. As announced on September 10, FHA has developed an Alternative Credit Scores Preparedness Guide and other resources, and will hold office hours to assist mortgagees and industry partners with implementation.
FHA said it continues to encourage mortgagees to reach out to their credit and technology partners to ensure the necessary systems, processes and capabilities are in place to support the change. Credit scores are a core measure of borrower credit risk in mortgage underwriting, and the update expands the acceptable models from Classic FICO alone to three.
来源：GSM·美国（原文链接）
图片来源：图：位于华盛顿的 HUD 总部 Robert C. Weaver 联邦大楼。照片：CC BY 2.0，经 Wikimedia Commons。 / The Robert C. Weaver Federal Building, headquarters of HUD, in Washington, D.C. Photo: CC BY 2.0, via Wikimedia Commons.
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