Is Rocket (RKT) Using VantageScore 4.0 To Recalibrate Its Housing Cycle Playbook?

In late September 2026, Rocket Mortgage, part of Rocket Companies, announced it will become the first lender to adopt VantageScore 4.0 as its preferred credit scoring model for eligible loans, while Redfin data showed over one in five U.S. home sellers recently reduced asking prices amid shifting housing conditions. This combination of a new credit model aimed at qualifying more borrowers and growing price cuts in listings highlights how Rocket is adjusting its underwriting approach as the...