Fannie Mae and Freddie Mac Will Require the Use of FICO Score 10 T

The Federal Housing Finance Agency (FHFA) has announced that FICO® Score 10 T has been validated and approved for use by Fannie Mae and Freddie Mac (the Enterprises).

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Corporate News

BOZEMAN, MT – October 24, 2022 –

The Federal Housing Finance Agency (FHFA) has announced that FICO® Score 10 T has been validated and approved for use by Fannie Mae and Freddie Mac (the Enterprises). This decision means that FICO Score 10 T will be required to be used when available, as FICO is today, for each conforming mortgage delivered to the Enterprises.   

The latest release of the company’s flagship FICO® Score, FICO® Score 10 T, FICO’s most powerful score to-date, gives lenders the flexibility and predictive power to make more precise lending decisions. FICO Score 10 T delivers increased predictive power while preserving the trusted and proven FICO Score minimum scoring criteria. Plus, FICO Score 10 T utilizes a consistent odds-to-score relationship as the prior FICO Score version used by the Enterprises, offering continuity and stability for lenders, investors and consumers.    

FICO® Score 10 T incorporates trended credit bureau data. Different than traditional credit bureau data, trended data considers a historical view of data such as account balances for the previous 24+ months, giving lenders more insight into how individuals are managing their credit.    

Compared to the prior version of the FICO® Score used by the Enterprises today, FICO® Score 10 T can enable an increase in mortgage originations of up to 5 percent (without taking on additional credit risk) or reduce default risk and losses by up to 17 percent. These improvements in predictive power can help mortgage lenders safely avoid unexpected credit risk and better control default rates, while making more loans to more consumers.  

Click here to learn more about FICO® Score 10 T.  

The FICO® Score is the independent standard measure of consumer credit risk and is provided free to consumers through hundreds of lenders via the FICO Score Open Access program.  FICO is committed to credit inclusion, transparency, and education.  Consumers can also go to for more information and resources or attend a free FICO Score A Better Future event.

About FICO 

FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 120 countries do everything from protecting 2.6 billion payment cards from fraud, to helping people get credit, to ensuring that millions of airplanes and rental cars are in the right place at the right time.  

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Media Contact: 
Julie Huang 
Director, FICO Corporate Communications


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