2026-04-22 18:07:58 UTC / 路透社
作者：皮特·施罗德与道格拉斯·吉利森
2026年4月22日 美国东部时间下午6:07 更新，距发布已过去1小时
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A densely populated residential neighborhood of Staten Island is seen from above New York City, U.S., March 30, 2020. REUTERS/Mike Segar/File Photo Purchase Licensing Rights, opens new tab
华盛顿4月22日路透电——负责监管两家机构的美国政府官员周三宣布，住房金融巨头房利美与房地美如今将接受纳入房租和公用事业缴费记录的新型信用评分。
此举旨在扩大可负担抵押贷款的获取渠道，这也是唐纳德·特朗普政府的一项政策目标。
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美国联邦住房金融局局长威廉·普尔特尔表示，这两家为美国绝大多数抵押贷款提供担保的企业，现在将接受使用VantageScore 4.0模型评估的抵押贷款申请。该模型利用先进的数据与分析技术生成信用评分。他还透露，两家机构正着手落实菲柯（FICO）推出的类似改良评分系统。
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周三的公告明确，房利美与房地美现已将此类评分纳入其担保流程。联邦住房金融局已于2022年批准了这些评分模型。
无独有偶，美国住房与城市发展部部长斯科特·特纳宣布，该部门将在联邦住房管理局承保的抵押贷款审批中考虑使用此类信用评分。
官员们表示，扩大其他信用评分模型的使用范围将提振竞争，潜在降低抵押贷款成本，为那些原本难以获得可负担抵押贷款的潜在购房者提供购房机会。
“我们正利用更具预测性的模型升级信用评分体系，帮助数百万按时缴纳房租的美国人获得抵押贷款资格。这公平合理，符合常识，最终将为全美购房者带来竞争带来的好处，”普尔特尔在一份声明中说道。
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近几个月来，特朗普政府愈发重视住房可负担性问题，作为应对民众对房价上涨担忧的举措之一。今年11月将举行中期选举，特朗普所在的共和党将在国会参众两院捍卫微弱多数席位。
本文由皮特·施罗德与道格拉斯·吉利森报道；大卫·格雷戈里奥编辑
我们的准则：汤森路透信托原则。
Fannie, Freddie to accept ‘predictive’ credit scores, US officials say
2026-04-22 18:07:58 UTC / Reuters
By Pete Schroeder and Douglas Gillison
April 22, 2026 6:07 PM UTC Updated 1 hour ago
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A densely populated residential neighborhood of Staten Island is seen from above New York City, U.S., March 30, 2020. REUTERS/Mike Segar/File Photo Purchase Licensing Rights, opens new tab
WASHINGTON, April 22 (Reuters) – Housing finance giants Fannie Mae and Freddie Mac are now accepting additional credit scores that take into account rent and utility payments, a U.S. government official overseeing the agencies announced on Wednesday.
The move is aimed at boosting access to affordable mortgages, a goal of President Donald Trump’s administration.
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Federal Housing Finance Agency Director William Pulte said the pair, which guarantee most U.S. mortgages, will now accept mortgages assessed using the VantageScore 4.0 model, which uses advanced data and analytics to generate scores. He said they are also working to implement a similar modified score system from FICO.
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Wednesday’s announcement is that Fannie and Freddie are now incorporating the scores into their guarantee process. FHFA approved those models in 2022.
Similarly, Housing and Urban Development Secretary Scott Turner announced his department would consider those scores for mortgages underwritten by the Federal Housing Administration.
The officials said the expanded use of other credit score models should boost competition and potentially lower mortgage costs, allowing opportunities for potential homebuyers who otherwise would have struggled to gain an affordable mortgage.
“We are modernizing credit scoring with more predictive models, helping millions of Americans who responsibly pay rent qualify for mortgages. That’s fair, it’s commonsense, and it’s finally delivering the benefits of competition to homebuyers nationwide,” said Pulte in a statement.
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The Trump administration has increased focus on housing affordability in recent months, as part of an effort to address general concern with rising prices ahead of midterm elections in November where Trump’s Republican Party will defend slim majorities in both chambers of Congress.
Reporting by Pete Schroeder and Douglas Gillison; Editing by David Gregorio
Our Standards: The Thomson Reuters Trust Principles.
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