AD Mortgage Adds VantageScore 4.0 Giving Brokers More Options to Qualify Borrowers

Fort Lauderdale, FL, November 5th, 2026, FinanceWire

AD Mortgage, a wholesale mortgage lender, announced the availability of VantageScore 4.0 for eligible conventional loans, giving broker partners an additional credit-scoring option alongside Classic FICO.

The expanded offering allows partners to evaluate borrowers using either model, subject to applicable Fannie Mae and Freddie Mac requirements. Because the models assess credit information differently, Classic FICO may produce a higher score for one borrower, while VantageScore 4.0 may produce a higher score for another. Access to both gives brokers more flexibility to evaluate eligible financing scenarios.

“Our partners need options that reflect the different borrowers they serve,” said Max Slyusarchuk, CEO of AD Mortgage. “Adding VantageScore 4.0 gives brokers another way to evaluate a borrower’s credit profile and identify an eligible path to financing. That is what the Power of Yes means to us: giving partners more tools to explore what is possible for their clients.”

How partners select a credit-score model

• Create the loan: Complete the 1003 application and add any missing information.
• Choose a model: When the Documentation Type is set to "Conventional/Government/Jumbo", the Product page displays a Credit Score Model dropdown with Classic FICO and VantageScore options. VantageScore 4.0 is currently available only for eligible Conventional loans; Government and Jumbo loans must use Classic FICO.
• Run AUS: From the RUN AUS page, run the Automated Underwriting System. The system displays the best credit score model based on the available scores.
• Change the selection if needed: Partners can change the model before the loan reaches Conditionally Approved status. Once it reaches that status, the selection is locked.

Broker partners can obtain both Classic FICO and VantageScore 4.0 scores and select the model to use for an eligible loan in accordance with agency and AD Mortgage guidelines.

The offering is available for eligible conventional loans evaluated through Fannie Mae’s Desktop Underwriter or Freddie Mac’s Loan Product Advisor. The same credit-score model must be used for all borrowers on a mortgage. When VantageScore 4.0 is selected, scores must be requested from all three credit repositories, subject to applicable agency requirements.

The addition supports AD Mortgage’s commitment to being a Lender of Choice by expanding the options available to broker partners. Credit-score choice remains one part of the lending decision; loan approval and terms depend on the complete application and applicable underwriting requirements.

Existing partners can contact their AD Mortgage account executive to discuss eligible scenarios. Mortgage professionals interested in becoming partners can visit www.admortgage.com.

About AD Mortgage

As a premier direct mortgage lender, AD Mortgage offers a full spectrum of Conventional, Government, and Non-QM loan products with turnaround times as fast as 24-hours and some of the most competitive rates in the industry. In addition to their AD Power Jumbo loan product, AD Mortgage offers programs for Prime borrowers, Foreign National borrowers, as well as borrowers with imperfect credit histories. Programs with no income verification are also offered for investment property loans.

The company offers free concierge services, bank statement reviews, marketing tools and resources, and more to support the brokers they serve. In 2025, AD Mortgage received several prestigious industry awards, including HousingWire Vanguard Award, PROGRESS in Lending’s Lending Luminary Award, National Mortgage Professional’s Legend of Lending Award, HousingWire Industry Titan Award. This year, the company was also featured in CBS, Bloomberg, and Inc., underscoring its growing influence and leadership in the mortgage industry.

AD Mortgage is an Equal Housing Lender. NMLS ID #958660. 899 W Cypress Creek Rd, Fort Lauderdale, FL 33309. For important disclosures and state licensing information: https://admortgage.com/important-disclosures/

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