{"id":933574,"date":"2026-02-03T08:03:54","date_gmt":"2026-02-03T13:03:54","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-score-10t-sees-surge-of-adoption-by-mortgage-lenders\/"},"modified":"2026-02-03T08:03:54","modified_gmt":"2026-02-03T13:03:54","slug":"fico-score-10t-sees-surge-of-adoption-by-mortgage-lenders","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-score-10t-sees-surge-of-adoption-by-mortgage-lenders\/","title":{"rendered":"FICO Score 10T Sees Surge of Adoption by Mortgage Lenders"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }\n.bwuline { text-decoration: underline }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><strong>FICO Score 10T Sees Surge of Adoption by Mortgage Lenders<\/strong><\/p>\n<p class=\"bwalignc\"><i>Lenders are leveraging FICO&#8217;s most predictive credit score for non-conforming loans to responsibly help more people attain the dream of homeownership<\/i><\/p>\n<p>BOZEMAN, Mont.&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Ffico.com&amp;esheet=54412088&amp;newsitemid=20260203001718&amp;lan=en-US&amp;anchor=FICO&amp;index=1&amp;md5=c1df8de400615d9a2bdbb2f64924f70c\"><b>FICO<\/b><\/a><b> (NYSE: FICO)<\/b>, global analytics software leader, today announced that more than 40 lenders have now joined the FICO<sup>\u00ae<\/sup> Score 10T Adopter Program for non-conforming mortgage loans, marking a significant acceleration in adoption of the industry&#8217;s most predictive credit scoring model.<\/p>\n<p>\nThe recent surge of FICO<sup>\u00ae<\/sup> 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.<\/p>\n<p>\nOne of the most notable milestones in this wave of adoption is Spring EQ, the first HELOC lender to implement FICO<sup>\u00ae<\/sup> Score 10T, demonstrating its predictive value across mortgage products, including home-equity.<\/p>\n<p>\n\u201cIn today\u2019s market, we need tools that help us say \u2018yes\u2019 to more borrowers without taking on unnecessary risk, and FICO<sup>\u00ae<\/sup> Score 10T delivers exactly that,\u201d said <b>Saket Nigam, head of partnerships at Spring EQ<\/b>. \u201cIts predictive depth gives us more confident decisions across mortgage products, including HELOC. The result is better borrower outcomes, stronger portfolio discipline, and a lending experience that scales responsibly.\u201d<\/p>\n<p>\nFICO<sup>\u00ae<\/sup> Score 10T delivers up to 5% more loan approvals without adding incremental risk or up to 17% reduction in delinquencies, offering enhanced predictability through trended data, including rental history. Lenders benefit from the ability to receive FICO Score 10T at no additional fee from FICO as part of dual processing, alongside the Classic FICO Score, enabling seamless evaluation and transition.<\/p>\n<p>\n\u201cWe\u2019re excited by how quickly the non-conforming market is embracing FICO<sup>\u00ae<\/sup> Score 10T and the results lenders are seeing in real time,\u201d said <b>Devin Norales, head of mortgage and capital markets at FICO<\/b>. \u201cFrom credit unions and community banks to IMBs and banks, we\u2019re eager to help partners stay on the forefront of innovation. Together, we can turn predictive insight into more keys in more hands and ultimately expand access to sustainable homeownership.\u201d<\/p>\n<p>\nFICO\u2019s dedicated Mortgage and Capital Markets team continues to support clients across the ecosystem\u2014helping lenders prepare for and maximize the benefits of FICO<sup>\u00ae<\/sup> Score 10T, reduce default exposure, and seize new opportunities with advanced credit tools and insights. More information: <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fen%2Fficoscore10&amp;esheet=54412088&amp;newsitemid=20260203001718&amp;lan=en-US&amp;anchor=FICO+Score+Migration+Resource+Center&amp;index=2&amp;md5=275c001e9312811be7972d46490a06db\"><b>FICO Score Migration Resource Center<\/b><\/a><\/p>\n<p><strong>About FICO<\/strong><\/p>\n<p>\nFICO (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 US 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 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO\u00ae Score, used by 90% of top U.S. lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.<\/p>\n<p>\nLearn more at <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fen&amp;esheet=54412088&amp;newsitemid=20260203001718&amp;lan=en-US&amp;anchor=https%3A%2F%2Fwww.fico.com%2Fen&amp;index=3&amp;md5=4515d60f7c939bd2f0c2ecfb69a22f4a\">https:\/\/www.fico.com\/en<\/a><span class=\"bwuline\">.<\/span><\/p>\n<p>\nJoin the conversation at <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fnam10.safelinks.protection.outlook.com%2F%3Furl%3Dhttps%253A%252F%252Fx.com%252FFICO_corp%26data%3D05%257C02%257C%257Ccd87a13792954ad858e208dcb6fda94b%257Cf9465cb178894d9ab552fdd0addf0eb1%257C0%257C0%257C638586447790374234%257CUnknown%257CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%253D%257C0%257C%257C%257C%26sdata%3DGBZudn5%252F%252FE30d6nTEqmRb3LHJRDuCJPRJ3U4z5nVJ5w%253D%26reserved%3D0&amp;esheet=54412088&amp;newsitemid=20260203001718&amp;lan=en-US&amp;anchor=https%3A%2F%2Fx.com%2FFICO_corp&amp;index=4&amp;md5=dc1d1d70d1bfe4dfa506234d2d08d41f\">https:\/\/x.com\/FICO_corp <\/a>&amp; <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fblogs%2F&amp;esheet=54412088&amp;newsitemid=20260203001718&amp;lan=en-US&amp;anchor=https%3A%2F%2Fwww.fico.com%2Fblogs%2F&amp;index=5&amp;md5=3511e1365cca7c640bd0e086b5b8209e\">https:\/\/www.fico.com\/blogs\/<\/a><\/p>\n<p>\nFor FICO news and media resources, visit <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.fico.com%2Fen%2Fnewsroom&amp;esheet=54412088&amp;newsitemid=20260203001718&amp;lan=en-US&amp;anchor=https%3A%2F%2Fwww.fico.com%2Fen%2Fnewsroom&amp;index=6&amp;md5=09e559b4b518d71dc7670628f9073985\">https:\/\/www.fico.com\/en\/newsroom<\/a>.<\/p>\n<p>\nFICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.<\/p>\n<p><b>About Spring EQ<\/b><\/p>\n<p>\nSpring EQ is a home equity lender providing flexible financing solutions directly to consumers with a national network of brokers and partners. We offer a broad range of home equity products and deliver a simple and streamlined process that results in faster funding, trustworthy loans, and less frustration for consumers.<\/p>\n<p>\nTo learn more, visit <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fnam10.safelinks.protection.outlook.com%2F%3Furl%3Dhttps%253A%252F%252Fmortgage.springeq.com%252F%26data%3D05%257C02%257C%257C422db20286934e340e6108de629af76a%257Cf9465cb178894d9ab552fdd0addf0eb1%257C0%257C0%257C639056614903068411%257CUnknown%257CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%253D%253D%257C0%257C%257C%257C%26sdata%3Dz6zBi%252B1boELt5dhGnBrweUBW16dLWeLbD1HsWjnbxa4%253D%26reserved%3D0&amp;esheet=54412088&amp;newsitemid=20260203001718&amp;lan=en-US&amp;anchor=SpringEQ&amp;index=7&amp;md5=e81aa1f1335b0fd2e82d83503e7c46e0\">SpringEQ<\/a><\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260203001718r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20260203001718\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20260203001718\/en\/<\/a><\/span><\/p>\n<p><strong>Media Contact<br \/>\n<br \/><\/strong><a rel=\"nofollow\" href=\"mailto:Press@FICO.com\">Press@FICO.com<\/a><\/p>\n<p><b>Media Contact<br \/>\n<\/b><br \/>Kelly Henry<br \/>\n<br \/>Director of Brand and Communications<br \/>\n<br \/>Spring EQ<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:Kelly.Henry@springeq.com\">Kelly.Henry@springeq.com<\/a><\/p>\n<p><b>KEYWORDS:<\/b> United States North America Montana<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Software Banking Accounting Professional Services Data Management Other Construction &amp; Property Technology Small Business Construction &amp; Property Public Relations\/Investor Relations Communications Finance<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20260203001718\/en\/2329913\/3\/fico-logo-coreblue-large.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>FICO Score 10T Sees Surge of Adoption by Mortgage Lenders Lenders are leveraging FICO&#8217;s most predictive credit score for non-conforming loans to responsibly help more people attain the dream of homeownership BOZEMAN, Mont.&#8211;(BUSINESS WIRE)&#8211;FICO (NYSE: FICO), global analytics software leader, today announced that more than 40 lenders have now joined the FICO\u00ae Score 10T Adopter Program for non-conforming mortgage loans, marking a significant acceleration in adoption of the industry&#8217;s most predictive credit scoring model. The recent surge of FICO\u00ae 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. One of the most notable &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-score-10t-sees-surge-of-adoption-by-mortgage-lenders\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;FICO Score 10T Sees Surge of Adoption by Mortgage Lenders&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-933574","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FICO Score 10T Sees Surge of Adoption by Mortgage Lenders - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/fico-score-10t-sees-surge-of-adoption-by-mortgage-lenders\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FICO Score 10T Sees Surge of Adoption by Mortgage Lenders - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"FICO Score 10T Sees Surge of Adoption by Mortgage Lenders Lenders are leveraging FICO&#8217;s most predictive credit score for non-conforming loans to responsibly help more people attain the dream of homeownership BOZEMAN, Mont.&#8211;(BUSINESS WIRE)&#8211;FICO (NYSE: FICO), global analytics software leader, today announced that more than 40 lenders have now joined the FICO\u00ae Score 10T Adopter Program for non-conforming mortgage loans, marking a significant acceleration in adoption of the industry&#8217;s most predictive credit scoring model. The recent surge of FICO\u00ae 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. 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Market Newsdesk","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-score-10t-sees-surge-of-adoption-by-mortgage-lenders\/","og_locale":"en_US","og_type":"article","og_title":"FICO Score 10T Sees Surge of Adoption by Mortgage Lenders - Market Newsdesk","og_description":"FICO Score 10T Sees Surge of Adoption by Mortgage Lenders Lenders are leveraging FICO&#8217;s most predictive credit score for non-conforming loans to responsibly help more people attain the dream of homeownership BOZEMAN, Mont.&#8211;(BUSINESS WIRE)&#8211;FICO (NYSE: FICO), global analytics software leader, today announced that more than 40 lenders have now joined the FICO\u00ae Score 10T Adopter Program for non-conforming mortgage loans, marking a significant acceleration in adoption of the industry&#8217;s most predictive credit scoring model. The recent surge of FICO\u00ae 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. One of the most notable &hellip; Continue reading \"FICO Score 10T Sees Surge of Adoption by Mortgage Lenders\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-score-10t-sees-surge-of-adoption-by-mortgage-lenders\/","og_site_name":"Market Newsdesk","article_published_time":"2026-02-03T13:03:54+00:00","og_image":[{"url":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260203001718r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-score-10t-sees-surge-of-adoption-by-mortgage-lenders\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-score-10t-sees-surge-of-adoption-by-mortgage-lenders\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"FICO Score 10T Sees Surge of Adoption by Mortgage Lenders","datePublished":"2026-02-03T13:03:54+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-score-10t-sees-surge-of-adoption-by-mortgage-lenders\/"},"wordCount":714,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-score-10t-sees-surge-of-adoption-by-mortgage-lenders\/#primaryimage"},"thumbnailUrl":"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20260203001718r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-score-10t-sees-surge-of-adoption-by-mortgage-lenders\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/fico-score-10t-sees-surge-of-adoption-by-mortgage-lenders\/","name":"FICO Score 10T Sees Surge of Adoption by Mortgage Lenders - 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