Which is better for mortgage — FICO or VantageScore?
By: Flávia Furlan Nunes | Published: 2025-07-18 17:23:00 | Source: www.housingwire.com
On Wednesday, FICO said its data scientists found that FICO Score 10T detects 18% more defaulters in the critical score range than Classic FICO, while VantageScore 4.0 detects only 3.4% more defaulters in the same range.
But according to FICO’s study, the comparison in the conforming mortgage space limits Classic FICO’s performance to a cutoff of 620. This impacts the “calculation of Classic FICO’s strength by 15% or more, artificially boosting VantageScore 4.0,” Jim Wehmann, the company’s president of scores, wrote a blog post.
In response, VantageScore released a study on Thursday concluding that VantageScore 4.0 predicts 11.2% more defaults than Classic FICO within the highest-risk population in a 10-year dataset. It also outperforms Classic FICO by 3.5% in…
