The Federal Home Loan Bank of Des Moines Now Accepts VantageScore 4.0 for Mortgage Collateral

SAN FRANCISCO--(BUSINESS WIRE)--Jun 5, 2026--

Members of the Federal Home Loan Bank of Des Moines (FHLB Des Moines) can now pledge mortgage collateral using VantageScore 4.0 credit scores, effective immediately. The decision by FHLB Des Moines enables its over 1,200 member banks and institutions to use the VantageScore 4.0 model to score an additional 4 million consumers in the region. FHLB Des Moines joins other government-sponsored mortgage entities that now accept VantageScore 4.0 for mortgages, including Fannie Mae and Freddie Mac, FHLB Cincinnati, FHLB Dallas, FHLB New York, FHLB Chicago, FHLB San Francisco and the Veterans Administration.

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“The mortgage industry has rapidly transitioned to the VantageScore 4.0 credit score. From Fannie Mae and Freddie Mac to the Federal Home Loan Bank system, mortgage market participants are benefiting from the enhanced predictive power, lower risk and higher cost effectiveness of VantageScore 4.0,” said Anthony Hutchinson, EVP and Head of Public Affairs at VantageScore. “The Federal Home Loan Bank of Des Moines is the largest geographic district in the FHLB system. Their decision to accept VantageScore 4.0 for mortgage collateral offers lenders industry-leading innovation to expand homeownership while enhancing risk management and transparency.”

In April 2026, the Federal Housing Finance Agency, which regulates the Federal Home Loan Bank System and government-sponsored enterprises, announced that VantageScore 4.0 adoption had begun for Fannie Mae and Freddie Mac. VantageScore estimates that using the VantageScore 4.0 credit score model will result in approximately 33 million more consumers nationwide having access to a credit score that may help them obtain a mortgage. This includes an estimated 4 million consumers within the FHLB Des Moines footprint, which comprises Alaska, American Samoa, Guam, Hawaii, Idaho, Iowa, Minnesota, Missouri, Montana, North Dakota, North Mariana Islands, Oregon, South Dakota, Utah, Washington and Wyoming.

To learn more about implementing VantageScore 4.0 for mortgages, visit our 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.

The Federal Home Loan Bank of Des Moines Now Accepts VantageScore 4.0 for Mortgage Collateral

ARLINGTON, Texas (AP) — Jacob deGrom told the Texas Rangers before the trade deadline that he believed in the team and wanted to stay.

The two-time Cy Young Award winner and the Rangers have both since gotten back on a winning track.

In his first start since the Aug. 3 deadline, deGrom struck out nine in five innings Saturday night for his first win since June 30. The Rangers beat Baltimore 5-1 for their fourth win in a row since a season-worst six-game losing streak that knocked them out of first place in the AL West.

“Probably a little bit emotional for him today,” said Corey Seager, the two-time World Series MVP shortstop who hit a three-run homer. “Just to kind of go out there and prove why he wanted to be here and why he's been here, and why he's been the best and why we want him to be here ... it was fun to watch.”

The 38-year-old deGrom (8-7, 3.87 ERA) has a full no-trade clause in his contract. At least one playoff-contending team checked in about his availability before Monday's deadline.

After striking out the game's first two batters, deGrom allowed a solo homer to Jackson Holliday. The right-hander went on to strike out half of the 18 batters he faced and walked one while throwing 88 pitches. He now has 1,995 career strikeouts.

“My goodness, he was on,” manager Skip Schumaker said. “Punchout after punchout, weak contact, just an unbelievable start. ... Really good stuff. Just kind of vintage deGrom that we're used to seeing.”

After Houston's 3-2 loss to San Diego on Saturday night, the Rangers were back within a half-game of the division lead.

DeGrom still hasn't gone more than five innings in his last five starts. In his previous four starts, deGrom went 0-2 and allowed 13 earned runs in 18 innings. That included giving up five runs and five walks in 3 1/3 innings last weekend when Texas was swept in Houston before the trade deadline.

He has been dealing with some hip discomfort, which is why Schumaker said he didn't pitch into the sixth inning against the Orioles. The manager said it wasn't anything major.

“We’re going to be able to manage it and keep going,” deGrom said.

AP MLB: https://apnews.com/hub/MLB

Texas Rangers starter Jacob deGrom follows through on a pitch during the fifth inning of a baseball game against the Baltimore Orioles, Saturday, Aug. 8, 2026, in Arlington, Texas. (AP Photo/LM Otero)

Texas Rangers starting pitcher Jacob deGrom reaches for a toss back during the third inning of a baseball game against the Baltimore Orioles, Saturday, Aug. 8, 2026, in Arlington, Texas. (AP Photo/LM Otero) CORRECTION: Corrects to deGrom not Degrom