A recent analysis conducted in San Francisco has revealed that VantageScore 4.0 is more efficient in utilizing both traditional and alternative data sources to accurately assess consumer mortgage risk and credit scores, accommodating a significantly larger number of consumers compared to FICO 10T. The study, named "More Data Means More Creditworthy Mortgages: How VantageScore 4.0 Enables Lenders to Serve Millions More Creditworthy Borrowers than FICO 10T," demonstrated the effectiveness of VantageScore’s sophisticated credit modeling methods and wider data inclusion. It was found that VantageScore 4.0 could extend its services to millions more creditworthy borrowers than FICO 10T, indicating a substantial impact on the accessibility of mortgage and credit opportunities for consumers.