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New Andrew Davidson & Co., Inc. Research Demonstrates the Costs to Consumers and Investors of Moving Away from the Tri-Merge Standard in Mortgage Underwriting

Feb 20, 2026, 10:00 ET New Andrew Davidson & Co., Inc. Research Demonstrates the Costs to Consumers and Investors of Moving Away from the Tri-Merge Standard in Mortgage Underwriting

Reporting Agencies (NCRAs) Equifax, Experian, and TransUnion.  Key findings include:Scores based on data from a single NCRA differed from the current tri-merge standard (median of 3 scores) often enough to impact loan pricing in meaningful ways. Of the 245 million scored

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