FICO® Resilience Index 2 Benchmarking Resources: Mortgage Industry

The 2021 U.S. mortgage borrower resilience benchmarks based on FICO® Resilience Index 2 provide a valuable point of reference for lenders, investors and other mortgage industry stakeholders to understand how borrower resilience is trending and how it varies across different FICO® Score tiers. Generated from a nationally representative sample of U.S. borrowers in April 2021, the benchmarks help lenders and investors answer, “How does our portfolio resilience compare to industry averages?” and “Where do we have pockets of ‘economic stress risk’ that may warrant closer examination?”