Business
FICO Score 10T Sees Surge of Adoption by Mortgage Lenders
BOZEMAN, Mont., February 03, 2026--FICO today announced that more than 40 lenders have now joined the FICO® Score 10T Adopter Program for non-conforming mortgage loans.
About this update from Fair Isaac Corporation
[{"type":"image","alt":"","displaySize":"","headline":null,"caption":"","credit":null,"className":"","disableSlideshowImg":false,"size":{"original":{"width":1800,"height":644,"url":"https://media.zenfs.com/en/business-wire.com/d5435f0b36744d401fce45db4fadbe87"},"resized":{"url":"https://s.yimg.com/ny/api/res/1.2/gwTpuUKTbdCkRffKdXZxQQ--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTM0MztjZj13ZWJw/https://media.zenfs.com/en/business-wire.com/d5435f0b36744d401fce45db4fadbe87","width":960,"height":343},"lightbox":{"url":"https://s.yimg.com/ny/api/res/1.2/E65y3kg_m3UjdV63132p4A--/YXBwaWQ9aGlnaGxhbmRlcjt3PTI0MDA7aD04NTg7Y2Y9d2VicA--/https://media.zenfs.com/en/business-wire.com/d5435f0b36744d401fce45db4fadbe87","width":1200,"height":429}},"lazy":false},{"type":"text","content":"Lenders are leveraging FICO's most predictive credit score for non-conforming loans to responsibly help more people attain the dream of homeownership","length":153,"tagName":"p","attribs":{}},{"type":"text","content":"BOZEMAN, Mont., February 03, 2026--(BUSINESS WIRE)--FICO (NYSE: FICO), global analytics software leader, today announced that more than 40 lenders have now joined the FICO® Score 10T Adopter Program for non-conforming mortgage loans, marking a significant acceleration in adoption of the industry's most predictive credit scoring model.","length":340,"tagName":"p"},{"type":"text","content":"The recent surge of FICO® Score 10T adoption is driven largely by community lenders serving underserved markets, including TLC Community Credit Union, Magnolia Bank, William Raveis Mortgage, Nation One Mortgage Corporation, Western Ohio Mortgage Corp, Vellum Mortgage, V.I.P. Mortgage, and others.","length":297,"tagName":"p"},{"type":"text","content":"One of the most notable milestones in this wave of adoption is Spring EQ, the first HELOC lender to implement FICO® Score 10T, demonstrating its predictive value across mortgage products, including home-equity.","length":210,"tagName":"p"},{"type":"text","content":""In today’s market, we need tools that help us say ‘yes’ to more borrowers without taking on unnecessary risk, and FICO® Score 10T delivers exactly that," said Saket Nigam, head of partnerships at Spring EQ. "Its predictive depth gives us more confident decisions across mortgage products, including HELOC. The result is better borrower outcomes, stronger portfolio discipli...