SharperLending Partners with Equifax® & Freddie Mac
to Expand Access for Thin-File Consumers
Equifax NCTUE Data Coming to LPA Reissues in 2026
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SharperLending is excited to share that we have been working on a groundbreaking project with Equifax and Freddie Mac that will increase eligibility for under-banked and thin-file consumers!
SharperLending will soon be including Equifax’s Telco NCTUE data as a component of the dataset that is reissued to LPA for loan eligibility. This includes 54 Telco, Pay TV, and Utility payment history attributes that may not be reported in a traditional mortgage credit report.
Incorporating this data as part of an overall loan eligibility evaluation in LPA has the potential to assist under banked/thin-file consumers that may be turned away today but have a proven track record of successfully making their payments on time.
Although a consumer may have a thin credit file, this data may help to more accurately rate their true creditworthiness and assist a broader demographic of consumers in achieving the goal of homeownership.
In our efforts with Freddie Mac and Equifax, we are targeting a release within Q1 2026. We anticipate this will be an option for you and your clients – it will not be a requirement.
Our teams are in the early stages of preparing this project. As more information is provided from our technical partners on this effort, we will keep you updated.