An analysis published Friday by the Mortgage Bankers Association (MBA) suggests that using a single randomly selected credit bureau score, rather than the current multiscore “decisioning” method, would have little effect on loan pricing or guarantee fee revenue for the government-sponsored enterprises (GSEs).

The MBA examined nearly 105,000 mortgage applications from the first half of 2025 using Intercontinental Exchange (ICE) McDash loan application data.

Researchers found that a randomly selected credit score landed in the same Fannie Mae loan-level price adjustment (LLPA) bucket as the current decisioning score roughly two-thirds of the time, with about 90% of scores falling within details ⇒

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