PONTIAC, Mich.–(BUSINESS WIRE)–The first mortgage lender to offer VantageScore® 4.0 when it became available earlier this year is already seeing the impact of this modern scoring model. For borrowers whose mortgage broker partners use UWM, a different approach to credit scoring is already producing a more favorable outcome. By using VantageScore 4.0 instead of the traditional FICO scoring model, approximately 25% of borrowers are currently seeing a more advantageous credit result — a differen