FICO® Score 10T: the Mortgage Industry’s Most Predictive Credit Score
See the full picture with clarity — approve more borrowers without taking on additional risk. FICO® Score 10T, the mortgage industry's most predictive credit score, is available today at no additional fee through the FICO® Score 10T Free Access Program.
FICO® Score 10T: the independent, most predictive credit score on the market.
FICO® Score 10T uses a powerful set of predictive characteristics generated from both traditional and trended credit bureau data, as well as reported rental payment history — providing deeper insights into borrower history. Built on the same trusted FICO® Score blueprint, FICO Score 10T carries forward the same odds-to-score relationship as prior versions.
FICO operates independently from the credit bureaus, and the FICO® score is designed for accuracy and fairness — not corporate interests. That means upholding proven minimum scoring criteria — because models that rely on sparse or outdated data are not only less reliable, they can trap the very borrowers you're trying to help in scores too low to qualify for affordable credit.
The result is a score built for today's borrower landscape — and the evolving mortgage market shaping it.
Expand approval rates
Leverage trended data
Sharpen MSR pricing
Seamlessly transition with confidence
The Power of FICO® Score 10T
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FICO® Score 10T Decisively Beats VantageScore 4.0 on Mortgage Predictive Accuracy
In mortgage lending, one question rises above the rest: which credit score is most predictive and, therefore, best positioned to serve lenders, investors, and borrowers alike?
The data is clear. FICO® Score 10T delivers superior predictive performance while expanding access to credit for first-time homebuyers, veterans, and borrowers from underserved communities — unlike VantageScore 4.0, which penalizes borrowers for the absence of a prior mortgage.
Precision matters most. Trust the score built on sufficient data to get it right. A model that generates a score from sparse or stale information doesn't expand access responsibly — it obscures risk for lenders and can lock consumers into scores too low to qualify for the credit they're seeking.
Classic FICO® Score | Next Gen | ||
FICO® Score 10T | VantageScore 4.0 | ||
| Consistent score-to-default odds ratio alignment for seamless implementation | N/A | √ | X |
| Rental payment history and trended credit data included | X | √ | √ |
| Exceeds rare 10%+ model improvement threshold* | N/A | √ | X |
| Model unchanged since GSE approval submission | √ | √ | X |
| No penalty for first-time homebuyers | √ | √ | X |
| Built by an independent score provider with proven, stable performance across decades in mortgage lending, including the financial crisis | √ | √ | X |
*FICO® Score 10T delivers significant improvement in mortgage default rate detection and 18.8% relative K-S improvement — well above the 10%+ threshold considered rare and highly significant in credit risk modeling. See FICO Score 10T Materially Outperforms VantageScore 4.0 for full methodology.
FICO® Score 10T Recommended for Use by Fannie Mae and Freddie Mac
Get FICO® Score 10T Free Now through the FICO Score 10T Free Access Program
Right now, through the FICO® Score 10T Free Access Program, lenders can get the industry’s most predictive credit score alongside the Classic FICO® Score they already use — at no additional fee. Dual processing enables seamless evaluation and transition.
Whether you’re a national lender, mortgage servicer, local community bank, or credit union, we’re ready to help you navigate the path to adoption of the latest FICO® Score — and make sure you’re set up for success.
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