FICO Partners with LoanPASS to Launch First Batch Pricing Tool for FICO® Score 10T

BOZEMAN, Mont. – January 28, 2026 – FICO (NYSE: FICO), global analytics software leader, today announced that LoanPASS is advancing its integration of FICO® Score 10T by launching the next phase of its project: a batch pricing tool designed to price thousands of files simultaneously. This new capability allows lenders to conduct large-scale, side-by-side comparisons of pricing outcomes between FICO® Score 10T and Classic FICO, delivering unprecedented insights into rate advantages and risk management strategies.

LoanPASS was the first Product and Pricing Engine (PPE) to implement FICO® Score 10T into its platform, enabling lenders to evaluate credit risk using trended data for non-conforming mortgage loans. Building on this milestone, the new batch pricing functionality empowers lenders to analyze performance characteristics at scale, helping them make more informed decisions about adopting the latest scoring model.

“Our goal has always been to give lenders the tools they need to stay competitive and we are incredibly proud to be the first PPE to offer FICO Score 10T for non-conforming loans,” said Mike Lewis, president of LoanPASS. “Our integration of this advanced score gives lenders deeper insights into borrower risk profiles and pricing strategies. LoanPASS is dedicated to giving our clients the flexibility and transparency they need to stay competitive in today’s dynamic lending environment.”

FICO® Score 10T incorporates trended credit bureau data, which provides a more comprehensive view of consumer credit behavior over time, such as whether balances are increasing or decreasing, helping lenders make more informed decisions. Early adopters of the model have seen potential improvements in predictive performance of up to 10% over previous versions.

“FICO’s Mortgage and Capital Markets team is dedicated to helping lenders realize the full value of FICO Score 10T,” said Julie May, vice president and general manager of B2B Scores at FICO. “LoanPASS’s new batch pricing capability builds on that vision by enabling lenders to compare pricing outcomes at scale with confidence. Together, we’re providing the transparency and insights needed to accelerate adoption of FICO’s most predictive credit scoring model.”

FICO is committed to assisting mortgage industry participants looking to transition to FICO® Score 10T. FICO’s Mortgage and Capital Markets team can provide support across the mortgage ecosystem. In addition to helping the industry prepare for and understand the benefits of FICO Score 10T, the team can help clients identify potential areas to reduce default exposure and maximize opportunity utilizing the latest credit tools and insights. More information: FICO Score Migration Resource Center

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, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting four billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. 

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About LoanPASS
LoanPASS is the modern product, pricing, and automated underwriting system (AUS) built to help lenders scale specialty lending profitably. Designed for Agency, Non-QM, DSCR, private credit, and portfolio lending, LoanPASS empowers banks, credit unions, IMBs, and private lenders to automate decisions, accelerate product deployment, and increase underwriting throughput without expanding staff or relying on legacy tools. With a flexible no-code rules engine and open-API architecture, LoanPASS enables lenders to digitize manual pricing workflows, ensure consistent and compliant decisions, and deliver faster borrower responses, improving loan quality, speed, and profitability. LoanPASS is purpose-built for lenders who want to compete and win in modern lending markets. LoanPASS operates alongside PMI Rate Pro™, a mortgage insurance quoting and ordering platform supporting all major U.S. MI providers. Visit LoanPASS for more information.

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