Announcement

Fannie Mae Announces CRT Disclosure Enhancements to Support Multiple Credit Score Models

October 22, 2026

As part of broader credit score modernization efforts, Fannie Mae will update its Single-Family credit risk transfer (CRT) and Single-Family (SF) Loan Performance data to support the disclosure of multiple credit score models.

The following updates will be reflected in the CRT files published on and after November 25, 2026* and the SF Loan Performance Dataset published in January 2027 (for 2026 Q3 activity)**.

  • Classic FICO®: Origination Classic FICO will be provided for CRT and SF loan performance data, where available. Issuance Classic FICO and Current Classic FICO will no longer be disclosed.
  • VantageScore® 4.0: Origination VantageScore® will be provided for CRT and SF loan performance data, where available. CRT files will also include the Issuance VantageScore® and Current VantageScore® at the loan-level.
  • Fannie Score™: Origination Fannie Score will be provided for CRT and SF loan performance data.
  • Pricing Indicator: Identifies which credit score type was used to price the loan, either Classic FICO® or VantageScore® 4.0. The Fannie Score is not used in loan pricing.
  • With respect to Origination credit scores, if both Classic FICO and VantageScore 4.0 credit score models are ordered by the lender, both scores will be disclosed.

Details on the updated disclosure attributes are available here.

The Fannie Score is used by Desktop Underwriter® (DU®) during its credit risk assessment of a casefile submission and is generated from Credit Repository data.

For questions, please contact the Fannie Mae Investor Help Line at 1-800-232-6643, Option 3, or by e-mail.

* A CRT supplemental file will be provided in October, disclosing Origination Fannie Score and Current VantageScore® 4.0. The file will provide scores for CRT loans active as of the period.

** A SF Loan Performance supplemental file will be provided, disclosing Origination Fannie Score. The file will provide scores for October 2025 through June 2026 acquisitions, expanding the historical credit score file previously published.

A glossary for the supplemental files is available here.