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  "path": "/articles/fhfa-score-change-gamification/",
  "publishedAt": "2026-04-28T20:07:59.000Z",
  "site": "https://www.housingwire.com",
  "tags": [
    "LendingLife",
    "Mortgage",
    "Origination",
    "credit report",
    "Credit Score",
    "FHFA",
    "GSEs",
    "HWmember",
    "The Gathering 2026"
  ],
  "textContent": "Mortgage industry executives say the shift to new credit score models and lender choice could raise mortgage delinquencies, reshape pricing grids at the government-sponsored enterprises (GSEs) and ultimately push costs back onto borrowers, even if the costs for scores fall on the front end.",
  "title": "The Gathering 2026: Mortgage execs debate the hidden risks of credit score reform"
}