GSEs release FICO score 10T data as credit score modernization continues

Research evidence excerpt

GSEs release FICO score 10T data as credit score modernization continues

Global Research

2 July 2026ab

First Read

EquitiesUS Building

GSEs release FICO score 10T data as credit score Americas

modernization continues Home Construction

John Lovallo, CFA

Analyst

john.lovallo@ubs.com

Fannie Mae and Freddie Mac Open Access to FICO Score 10T Data +1-212-713 9150

The mortgage industry's transition toward modernized credit scoring took another step Spencer Kaufman, CFA

forward following the release of historical FICO Score 10T loan level datasets by Fannie Analyst

Mae and Freddie Mac (link). The data, which covers loans acquired by the GSEs from spencer.kaufman@ubs.com

April 2013 through September 2025, allows lenders, investors, and other market +1-212-713 9713

participants to independently evaluate the performance of FICO Score 10T using actual Matthew Johnson

mortgage outcomes. FICO Score 10T represents the Fair Isaac Corp's (FICO) latest Analyst

generation credit scoring model and differs from legacy Classic FICO scores by matthew-h.johnson@ubs.com

incorporating trended credit data, allowing lenders to assess how borrowers manage +1-212-713 2576

credit over time rather than relying on a single point in time snapshot. The model can Nifemi Oduntan

also incorporate rental payment history when reported to credit bureaus, providing a Associate Analyst

broader view of consumer credit behavior and housing payment performance (link). To nifemi.oduntan@ubs.com

facilitate industry evaluation and adoption, FICO is currently offering FICO Score 10T +1-212-713 1246

alongside Classic FICO at no cost through its FICO Score 10T Free Access Program, with

nearly 70 lenders already enrolled according to the company.

Credit Score Modernization Continues