Editor's Note: This story has been updated to include a statement from the Mortgage Bankers Association.
Fannie Mae and Freddie Mac have released historical loan-level datasets for FICO Score 10T, giving mortgage lenders, investors, and other housing finance participants access to more than 12 years of GSE mortgage performance data to conduct their own analysis of the next-generation credit scoring model.
The newly available datasets cover loans acquired by the government-sponsored enterprises between April 2013 and September 2025. According to FICO, the data enables market participants to evaluate the performance of FICO Score 10T using real-world GSE loan-level information and compare it with the legacy Classic FICO score.
By making the historical datasets available, the GSEs are providing lenders and investors with the opportunity to independently analyze how the model performs using standardized historical mortgage data.
"The Federal Housing Finance Agency and the GSEs have taken an important step forward in advancing the credit score modernization effort with the release of the FICO Score 10T historical data," said Julie May, vice president and general manager of B2B Scores at FICO.
"FICO Score 10T is the most predictive credit score model available, built on a long history of trusted performance designed to support the safety and soundness of the housing market. We're eager for market participants to dig into the data to independently validate the strength of the model and see how its use can expand access for borrowers while supporting a more resilient housing finance system."
The Mortgage Bankers Association (MBA) also welcomed the release, calling it an important step toward implementing updated credit scoring models across the mortgage industry.
"MBA welcomes the release of updated historical credit score data to support the implementation of VantageScore 4.0 and FICO 10T and appreciates the continued leadership of FHFA Director William Pulte and the GSEs in advancing this effort," said Bob Broeksmit, president and CEO of the MBA. "Making this information available is a significant milestone that will help lenders, investors and technology providers prepare for a successful transition to a fully modernized credit scoring framework."
Broeksmit said the association will continue working with FHFA, the GSEs and other industry stakeholders to support implementation of the new scoring models. He also reiterated MBA's support for additional reforms to the current tri-merge credit reporting requirement, including adoption of a single-report option for certain GSE borrowers with strong credit profiles.
What It Means
For lenders, the release provides access to historical GSE loan performance data that can be used to evaluate FICO Score 10T using actual mortgage outcomes.
Institutions can analyze more than a decade of standardized loan-level data to compare FICO Score 10T with the legacy Classic FICO score as they assess the model's performance. The availability of the datasets gives lenders and investors the ability to conduct their own analyses using historical GSE mortgage information.
FICO Score 10T incorporates trended credit data, allowing lenders to evaluate how consumers manage credit over time rather than relying solely on a single point-in-time credit profile. When rental payment history is included in a consumer's credit bureau file, the model can also incorporate that information into its assessment.
According to FICO, those enhancements provide a more complete view of how consumers manage credit and housing payments over time and can help expand access to mortgage credit while supporting the safety and soundness of the housing finance system.
To encourage evaluation of the model, FICO said FICO Score 10T is currently available alongside Classic FICO at no cost through its FICO Score 10T Free Access Program. Nearly 70 lenders have already signed up, according to the company.
The historical datasets are available directly from Fannie Mae and Freddie Mac for lenders, investors, and other housing finance stakeholders interested in evaluating FICO Score 10T as the industry's credit score modernization effort continues.
