Mortgage Lenders Weigh AI, Alternative Data and Credit Models

HousingWire, Aug. 26, 2026-John McManus

Mortgage lenders have been hurtling toward a new credit scoring regime centered on FICO 10T, VantageScore 4.0 and a broader array of borrower data. But even as they push to modernize, digitally transform and become more efficient, they’re grappling with how far to go with it.

That question served as the axis of tension during a Credit Super Session on Tuesday at the Mortgage Industry Standards Maintenance Organization (MISMO)’s Fall Summit, where executives from FICO, VantageScore, Experian, Equifax and TransUnion teamed up on an hour-long discussion moderated by HousingWire CEO Clayton Collins.

Collins kicked off the conversation with three questions: Can we use more data? May we? And should we?

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