Recalculating FICO scores could include savings/checking accounts, and Fannie Mae and Equifax are on the cusp of an interesting deal!
These are the articles:
https://www.consumerreports.org/credit-scores-reports/ultrafico-new-fico-credit-score/
https://dsnews.com/headline/10-22-2018/equifax-joins-forces-with-freddie-mac
http://www.homebuyinginstitute.com/news/too-much-debt-mortgage-rejection/