Originating & Underwriting

Credit Score Models

Fannie Mae tests and validates required credit score models for accuracy, reliability, and integrity.


Joint Enterprise Credit Score Solicitation

In accordance with the requirements of the Validation and Approval of Credit Score Models Rule (12 C.F.R. Part 1254), Fannie Mae and Freddie Mac (collectively, the “Enterprises”) have published the following Credit Score Solicitation to request applications from prospective credit score model developers (“Applicant”). 

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How Fannie Mae and our lenders use credit score models in mortgage lending

Selling Guide: General Requirements for Credit Scores

The Enterprises will accept applications in response to this Credit Score Solicitation beginning on May 18, 2020. In order to be considered, each Applicant must complete the application process for each credit score model meeting the requirements outlined in the Credit Score Solicitation no later than September 15, 2020. 

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