SAN FRANCISCO--(BUSINESS WIRE)--Apr 6, 2026--
Mortgage originators can enhance decision quality during pre-screen and pre-qualification, lower costs and broaden borrower access by implementing VantageScore 4.0 for mortgages, according to a new study published today. The analysis by OGMA Risk and Analytics, titled “How VantageScore 4.0 Unlocks Cost Reduction, Pipeline Performance, and a New Generation of Borrowers,” evaluates the impact of VantageScore 4.0 adoption on lenders who start using it in the pre-screen and pre-qualification stages of the mortgage origination process.
This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20260406511429/en/
To take advantage of this opportunity and learn more, reach out to your bureau representative and ask for a custom MarketGain report to show how many more borrowers your firm can responsibly lend to.
“VantageScore 4.0 enables mortgage lenders to act now to improve pre-screening and pre-qualification decisions with greater precision, efficiency and cost savings,” said Dr. Rikard Bandebo, EVP, Chief Strategy Officer and Chief Economist at VantageScore. “The model helps reduce delinquencies, opens the door to increased responsible lending for first-time home buyers and delivers these advantages while significantly reducing production and borrower acquisition costs.”
OGMA Risk & Analytics found that VantageScore 4.0 delivers three compounding value drivers for mortgage lenders and investors: significant cost savings, expanded borrower reach and earlier, better decisioning.
Additional key insights from the study include:
DELIVERS BILLIONS IN COST SAVINGS ACROSS THE MORTGAGE LIFECYCLE: OGMA Risk and Analytics reiterates recent findings from Deep Future Analytics that show VantageScore 4.0 delivers $92 to $135 in savings per mortgage loan under all modeled scenarios.
LENDERS GAIN IMMEDIATE VALUE BY SWITCHING TO VANTAGESCORE 4.0 FOR PRE-SCREENING: The OGMA Risk and Analytics study found that usage of VantageScore 4.0 for pre-screening improves early decisions in the mortgage lending process by using trended credit data instead of a static snapshot, giving lenders a clearer view into whether a borrower’s credit behavior is strengthening or weakening. The added behavioral insight can help lenders move fewer weak files forward while preserving more qualified borrowers who might otherwise be screened out.
MORTGAGE ORIGINATORS RESOLVE MISMATCHES AT PRE-SCREEN, ENGAGING MORE CREDITWORTHY BORROWERS: Because the cost of a weak credit decision compounds as a loan moves deeper into the process, improving early-stage precision helps lenders avoid unnecessary processing, underwriting and compliance costs before they accrue. VantageScore 4.0 does a better job of distinguishing lower-risk from higher-risk borrowers than Classic FICO, earlier. As a result, fewer costly false positives enter lender pre-qualification and underwriting and fewer false negatives are excluded before they ever have a chance to convert.
To download a full copy of this report, visit the VantageScore website.
To download a full copy of the Deep Future Analytics Cost Savings report, visit the VantageScore website.
To learn more about VantageScore’s growth in the GSE-conforming mortgage market, visit the VantageScore Mortgage Resource Center.
About VantageScore®
VantageScore is the fastest-growing credit scoring company in the U.S., and is known for the industry’s most innovative, predictive and inclusive credit score models. In 2024, usage of VantageScore increased by 55% to hit 42 billion credit scores. More than 3,700 institutions, including nine of the top 10 U.S. banks, use VantageScore credit scores and digital tools to provide consumer credit products or generate greater insights into consumer behavior. The VantageScore 4.0 credit scoring model scores 33 million more people than traditional models. With the FHFA allowing the immediate use of VantageScore 4.0 for Fannie Mae and Freddie Mac guaranteed mortgages, the company is also ushering in a new era for mortgage lending.
VantageScore is an independent joint venture company owned by Equifax, Experian and TransUnion.
Unique Opportunity for Lenders to Expand Home Ownership and Reduce Costs - VantageScore
ORLANDO, Fla.--(BUSINESS WIRE)--Oct 22, 2026--
The Marriott Vacation Clubs, a portfolio of premium vacation ownership brands operated by Marriott Vacations Worldwide, and Topeka, creator of premium destination music vacations, today announced a new collaboration bringing together world-class live music and exceptional resort experiences.
This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20261020585568/en/
The collaboration will launch April 23–24, 2027, with Moon Crush “Sunshine Live” presented by The Marriott Vacation Clubs, an intimate two-night music getaway at Grande Lakes Orlando, a premier luxury resort destination featuring Marriott's Lakeshore Reserve, The Ritz-Carlton Orlando, Grande Lakes and JW Marriott Orlando, Grande Lakes.
Multi-platinum, three-time GRAMMY Award-winner, Zac Brown Band, and multi-platinum, seven-time GRAMMY Award winner, Lady A, will headline the inaugural weekend, joined by Colbie Caillat, Drake White, The Castellows and Nashville Yacht Club Band.
Intimately designed for just 4,000 guests, Sunshine Live will transform a green space adjacent to Marriott’s Lakeshore Reserve into a purpose-built open-air music venue featuring Topeka’s signature reserved Cove seating and hospitality. The experience is designed around a simple idea: no lines, no bad seats and no stress – just great music with the people you came to enjoy it with.
Guests can make an entire vacation out of the weekend, spending their days enjoying award-winning accommodations, exceptional dining, championship golf, a world-class spa and expansive pool experiences before walking to the concerts each evening.
At the heart of the music experience are Topeka’s signature Coves – reserved, semi-private spaces that give each group its own home base for the shows. Guests can sit together, come and go without losing their spot, and order food and drinks from their phones for delivery directly to their Cove in minutes. Even the restrooms are air-conditioned.
Owners across The Marriott Vacation Clubs portfolio, including Marriott Vacation Club, Sheraton Vacation Club and Westin Vacation Club, will receive special early access to ticket packages and experiences as part of their ownership. Sunshine Live builds on the recent launch of Inner Circle, The Marriott Vacation Clubs’ owner experiences platform, which connects Owners with special access, benefits and experiences beyond the resort stay.
“Live music has an incredible ability to bring people together, and that fits naturally with the way people think about their most memorable vacations,” said Mike Flaskey, President and Chief Operating Officer of Marriott Vacations Worldwide. “This collaboration gives us an opportunity to create something guests can plan an entire weekend around: great artists, a remarkable Orlando setting and meaningful time with the family and friends who matter most.”
“Moon Crush is a new category of music festival where guests can enjoy world class artist performances in an intimate no line environment where everyone is a VIP,” said Andy Levine, CEO of Topeka. “Guests can spend the day enjoying the resort amenities available across the Grande Lakes Orlando campus and then enjoy a short walk to the venue where your reserved space is already waiting for you. Order food and drinks from your phone, and we bring it to you, so you don’t have to miss a moment of music or connection with your favorite people. That’s Live Music Made Easy.”
Debuting with the Sunshine Live launch, Private Sunset Suites will offer a new reserved seating option for corporate and group entertainment. Designed for up to 10 guests, Private Sunset Suites will allow companies to host clients, reward employees or entertain partners. Private Sunset Suites will also be available for families and larger groups looking to experience the weekend together.
For The Marriott Vacation Clubs Owners, visit the Sunshine Live Music Experience page for information on how to book tickets and special access packages.
For information on general admission tickets and resort packages, visit https://mooncrushsunshinelive.com/.
EVENT DETAILS
Moon Crush “Sunshine Live” presented by The Marriott Vacation Clubs
April 23–24, 2027
Grande Lakes Orlando — Orlando, Florida
Headliners: Zac Brown Band and Lady A plus Colbie Caillat, Drake White, The Castellows and Nashville Yacht Club Band
Capacity: Only 4,000 guests
Experience: Reserved Coves, Sunshine Suites, Sunshine Bay, and Hospitality Deck; premium food and beverage delivery; resort amenities; and walkable concerts
Private Sunset Suites: Available for corporate, group and family hospitality
General Pre-Sale Begins: October 29, 2026
Feel the Sunshine. Live the Moment.
ABOUT TOPEKA
Topeka creates premium U.S.-based destination music vacations designed to make live music easier and more enjoyable. Topeka Music Weekends combine world-class artists with reserved Cove seating, walkable accommodations and hospitality-focused service so guests can spend less time waiting and more time connecting with the music and the people they came with.
Built around its “Live Music Made Easy” philosophy, Topeka creates intimate environments where fans can experience their favorite artists while enjoying the comfort, convenience and shared moments of a true vacation.
Experience the feel of a Topeka Music Weekend here https://vimeo.com/1047212043 and at www.topeka.live.
About The Marriott Vacation Clubs ®
The Marriott Vacation Clubs® is a part of Marriott Vacations Worldwide Corporation (NYSE: VAC) and is a portfolio of industry leading vacation ownership brands with over 90 properties collectively throughout the U.S., Caribbean, Mexico, Central America, Europe, Asia, and Australia, including the Marriott Vacation Club®, Sheraton® Vacation Club, and Westin® Vacation Club brands. Owners, Members and guests can enjoy year-round access to some of the best vacation destinations with villa-style accommodations. The Marriott Vacation Clubs’ point-based vacation ownership programs provide Owners, Members, and their families with the flexibility to enjoy high-quality vacation experiences. Follow The Marriott Vacation Clubs on FB, IG and TikTok: @TheMarriottVacationClubs.
Moon Crush "Sunshine Live" presented by The Marriott Vacation Clubs Coming to Orlando April 23-24, 2027
