Market Validation: FICO® Score 10T Leads in Predictive Scoring
Discover what housing experts and independent researchers have to say about FICO® Score 10T's superior performance, how it supports consumer-friendly credit scores, and the real risks of lender choice.
The market has already spoken. Leading mortgage lenders managing over $538B in annual originations and $1.6T in servicing portfolios have adopted FICO® Score 10T in the competitive nonconforming market, where merit alone drives credit score selection.
Mortgage Industry News and Analysis: Trust in FICO® Score 10T
July 7, 2026
Milliman: Independent analysis using newly released GSE data confirms FICO® Score 10T outperforms VantageScore 4.0.
May 18, 2026
Milliman: New actuarial independent analysis confirms FICO® Score 10T is the most predictive credit score for first-time homebuyer mortgages — with the strongest outperformance over VantageScore 4.0 for FHA loans, where accurate risk prediction matters most.
May 4, 2026
Milliman: Independent analysis of historical credit data across multiple time periods confirms FICO® Score 10T is the most predictive credit score for mortgage lending, outperforming VantageScore 4.0 across all mortgage types and time periods.
February 16, 2026
ATR: FHFA FOIA information from 2022 decision reveals that the government's own data recommended FICO® Score 10T — and how nonacceptance of these recommendations puts taxpayers and the mortgage market at risk.
February 11, 2026
National Taxpayers Union: Fannie Mae and Freddie Mac both recommended FICO® Score 10T based on its performance — and failed to approve VantageScore 4.0.
October 3, 2025
National Mortgage News: Analysis shows VantageScore 4.0's claimed performance gains over Classic FICO® Score are overstated and methodologically flawed.
September 5, 2025
American Enterprise Institute: Independent analysis finds that on equal terms, even Classic FICO® Score matches or outperforms VantageScore 4.0.
FICO® Score 10T Adoption and Research
July 9, 2026
The GSE Data Is Public. Here's What It Shows About Credit Score Modernization.
July 6, 2026
Analyzing the GSE Historical Data: Key Considerations in the Evaluation of Credit Scores.
July 8, 2026
Chrisman Commentary: FICO's Ethan Dornhelm discusses how newly released GSE data confirms FICO® Score 10T's predictive power and supports safe, sound access to credit.
June 6, 2026
FICO’s Julie May details Milliman's first-of-its-kind independent analysis showing FICO® Score 10T outperformed VantageScore 4.0 across all mortgage types.
March 6, 2026
Chrisman Commentary: FICO’s Julie May joins Robbie Chrisman to talk mortgage market dynamics, FICO’s direct license program, and FICO® Score 10T adoption.
Industry News: FOIA Documents and Risk Concerns for Lenders, Borrowers, and Investors
January 27, 2026
FOX Business: 35 advocacy groups warn of 2008-style risk if credit score model changes are rushed — making the case for a careful, simultaneous rollout that includes FICO® Score 10T.
February 19, 2026
Progressive Policy Institute: FOIA documents from 2022 reveal that Fannie Mae and Freddie Mac recommended only FICO® Score 10T for approval — VantageScore 4.0 was not recommended for use.
February 15, 2026
Wall Street Journal: Washington’s credit score policies risk inflating scores and creating another housing bubble at taxpayers’ expense.
February 13, 2026
Case for Consumers: Independent GSE analysis identified FICO® Score 10T as the sole recommended model — a dual-score mandate raises costs and risk.
Third Party Concerns Over “Lender Choice” in Mortgage Lending Markets
June 23, 2026
HousingWire: Independent risk expert's analysis shows 'Lender Choice' adverse selection could raise GSE credit risk, shifting credit toward FHA and private markets.
March 16, 2026
HousingWire: 25-year mortgage insurance risk executive explains how 'Lender Choice' ripples through the secondary market — ultimately raising rates, fees, and insurance premiums for everyday borrowers.
February 9, 2026
HousingWire: University of Maryland risk economist: 'Lender Choice' invites adverse selection and could raise mortgage default rates by up to 18%.
November 21, 2025
Milliman: Actuarial analysis finds 'Lender Choice' creates pricing bias and increased default risk — and the cost could ultimately fall on borrowers.
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