FICO Applauds Release of Historical FICO Score 10T Data by Fannie Mae and Freddie Mac

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government sponsored enterprises regulatory

Government sponsored enterprises are privately run financial firms created by law to promote public policy goals—typically by supporting specific lending markets—while maintaining close ties to the government. They matter to investors because that government connection can make their debt and equity seem less risky than ordinary companies, similar to a private business that operates with a government safety net, but it also introduces regulatory and political risks that affect returns.

trended credit data financial

Trended credit data is a record of a borrower’s credit behavior over time—showing how balances, payments and utilization rise or fall month to month—rather than a single snapshot. Like watching a short video instead of a photo, it helps investors see whether credit risk is improving or deteriorating, which improves forecasting, loan pricing and the assessment of a company’s or loan pool’s long‑term financial health.

loan-level performance data technical

Detailed records about each individual loan in a pooled or securitized portfolio—such as original amount, current balance, payment history, delinquency status, interest rate, and collateral details. Investors use this granular information like inspecting each apple in a barrel: it helps judge the health and risk of the whole pool, estimate likely losses or cash flows, and value securities or loans more accurately than summary statistics alone.

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07/01/2026 - 04:30 PM

More than a decade of loan-level performance data has been released to support evaluation and adoption of industry’s most predictive credit score

BOZEMAN, Mont.--(BUSINESS WIRE)-- FICO (NYSE: FICO), global analytics software leader, today announced that Government Sponsored Enterprises (GSEs), Fannie Mae and Freddie Mac, have released expanded historical datasets for FICO® Score 10T, covering loan-level performance data from April 2013 through September 2025.

The newly available datasets represent a significant milestone in the mortgage industry’s transition to modernized credit scoring. The data enables lenders, investors, and housing finance stakeholders to evaluate the performance of FICO® Score 10T using real-world, GSE loan-level information.

The FICO® Score 10T historical datasets are available directly from the GSEs:

Fannie Mae: https://historicalcreditscores.fanniemae.com
Freddie Mac: https://sf.freddiemac.com/general/credit-score-models

“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.”

FICO® Score 10T incorporates trended credit data and, when available in the credit bureau file, rental payment history, giving lenders a more complete view of how consumers manage credit and housing payments over time.

To ensure lenders can evaluate the findings for themselves, FICO® Score 10T is currently available at no cost alongside Classic FICO through the FICO Score 10T Free Access Program. Nearly 70 lenders have already signed up.

For more information on how to sign up for the FICO Score 10T Free Access Program, visit the FICO Score 10T Migration Resource Center.

About FICO

FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 U.S. and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 100 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the U.S. and has been made available in over 40 other countries, improving risk management, credit access and transparency.

Learn more at https://www.fico.com

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For FICO news and media resources, visit https://www.fico.com/en/newsroom

FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.