Addressing housing costs is — and should be— a priority for the Trump administration, and there is no shortage of opinions in the housing ecosphere on how to make home ownership more affordable. What won’t move the needle even a micron are misguided policies based on the idea that a single company is causing all of our housing woes.

A recent op-ed absurdly claimed that “for many Americans, [home ownership] may be a dream deferred or derailed altogether due to just one factor: Fair Isaacs Corporation.”

Topping out at a cost of less than $15 for a mortgage origination, FICO's score represents “less than two tenths of one percent” of the average closing cost for a home mortgage. In fact, there is no single component of closing costs that costs less. To allege that FICO stands as a bar to home ownership is akin to saying the cost of pens and paper is a bar to attending college.

Disappointingly, the current Federal Housing Finance Agency Director, Bill Pulte, has adopted a similar position. At a time when America needs certainty and stability to pull out of its

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