HousingWire Daily ICE Mortgage Technology President Tim Bowler on Vantage 4.0
Sep 10, 2025
Tim Bowler, President of ICE Mortgage Technology, dives into the world of Vantage 4.0 and its groundbreaking implications for lenders. He discusses how this new credit score model can enhance access to credit for first-time homebuyers by incorporating trended and alternative data. Bowler emphasizes the importance of technology in strengthening borrower relationships and the need for collaboration to smoothly integrate Vantage 4.0 into mortgage lending. He also highlights strategies to navigate market fluctuations and prepare for increased refinancing demand.
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Broader Data Builds Fuller Credit Files
- VantageScore 4.0 uses trended data and can incorporate rental and utility payments to build fuller credit files.
- This broader data access can expand credit availability for thin-file and first-time homebuyers.
Get Ready Before Standards Drop
- Prepare to incorporate Vantage 4.0 once Fannie Mae and Freddie Mac publish standards.
- Engage with ICE early so your LOS can adopt the new score quickly when guidance arrives.
Audit Loan Workflow For Score Integration
- Map every point in your loan manufacturing lifecycle where the new score will appear and plan necessary tech and documentation changes.
- Anticipate investor expectations so manufactured loans remain sellable and transparent.