Fannie Mae and Freddie Mac Release FICO 10T Mortgage Credit-Score History for First Time
Fannie Mae and Freddie Mac are U.S. government-sponsored enterprises that have long supported the country’s mortgage market. The adoption of FICO 10T and VantageScore 4.0 can help industry participants validate risk models, improve underwriting accuracy and broaden borrowers’ access to financial services.
The two institutions recently released historical FICO 10T and VantageScore 4.0 credit-score data for the first time. The release covers 13 years of loan information from 2013 through 2025, enabling mortgage industry participants to analyze applications and calibrate their models. It was a data release and involved no transaction value.
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The history behind this eventTransUnion Slashes Credit-Score Price to Challenge FICO’s Market Position
The US mortgage credit-scoring market has long been dominated by Fair Isaac’s Classic FICO, leaving lenders with limited choice. On October 24, 2022, the Federal Housing Finance Agency approved VantageScore 4.0 and FICO 10T for use by Fannie Mae and Freddie Mac. The agency sought to incorporate data such as rent payments into newer models, introduce competition and lower costs for industry participants and borrowers.
TransUnion announced on March 9, 2026, that it would cut the price of a VantageScore 4.0 credit score for each mortgage origination from $4 to $0.99, a reduction of more than 75%. The company estimated that the move could save lenders and consumers more than $900 million, directly challenging FICO’s established position as the FHFA works to modernize the market.
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