FICO · 10-K · 2026A · Full report

FICO Score 10T Adoption

FAIR ISAAC CORP · 2026-11-06 · Importance 47 · Surprise 60 · In source text

In April 2026, the Federal Housing Finance Agency confirmed that FICO Score 10T was approved for future use in the conforming mortgage market served by Fannie Mae and Freddie Mac. On July 1, 2026, the two government-sponsored enterprises published historical data to support independent analytic evaluations. During fiscal 2026, FICO Score 10T was integrated into mortgage capital-markets and pricing infrastructure, including Optimal Blue’s capital-markets platform and LoanPASS’s pricing engine.

Key facts

• In April 2026, the Federal Housing Finance Agency confirmed FICO Score 10T was approved for future use in the conforming mortgage market served by Fannie Mae and Freddie Mac. source
• On July 1, 2026, Fannie Mae and Freddie Mac published historical data to support independent analytic evaluations of FICO Score 10T. source
• FICO Score 10T was integrated into Optimal Blue’s capital markets platform and LoanPASS’s pricing engine. source
• In fiscal 2026, more than 70 mortgage lenders could access FICO Score 10T through the FICO Score 10T Free Access Program at no additional fee if they had paid for the Classic FICO Score. source
• During fiscal 2026, independent analyses continued to demonstrate strong predictive performance for FICO Score 10T relative to competitor models. source

Impact estimates