FICO

Historical loan-level datasets covering 2013-2025 let market participants evaluate the next-generation credit model using actual GSE mortgage performance.

Adoption milestone highlights industry's transition toward multiple approved credit-scoring models

Mortgage, title, and fintech veteran brings more than 25 years of housing finance and credit analytics experience to new role

New features help lenders identify borrowers with the highest score-improvement potential as competition over mortgage credit models intensifies

Wholesale lender offers dual-score credit reports at no cost to brokers or borrowers amid growing competition around credit access and borrower acquisition tools

Independent analysis lands as FHFA pushes multi-model future, raising stakes for lenders weighing adoption