{"id":964154,"date":"2026-05-18T12:03:09","date_gmt":"2026-05-18T16:03:09","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/new-study-shows-fico-score-10t-provides-greater-predictive-power-for-first-time-homebuyers\/"},"modified":"2026-05-18T12:03:09","modified_gmt":"2026-05-18T16:03:09","slug":"new-study-shows-fico-score-10t-provides-greater-predictive-power-for-first-time-homebuyers","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/new-study-shows-fico-score-10t-provides-greater-predictive-power-for-first-time-homebuyers\/","title":{"rendered":"New Study Shows FICO\u00ae Score 10T Provides Greater Predictive Power for First-Time Homebuyers"},"content":{"rendered":"

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New Study Shows FICO\u00ae Score 10T Provides Greater Predictive Power for First-Time Homebuyers<\/b><\/p>\n

Independent study finds FICO Score 10T is the most predictive credit score for first-time homebuyer mortgages, supporting sustainable access to homeownership<\/i><\/p>\n

BOZEMAN, Mont.–(BUSINESS WIRE<\/a>)–FICO<\/b><\/a> (NYSE: FICO)<\/b>, global analytics software leader, today announced the results of a new analysis by independent actuarial firm Milliman, finding that FICO\u00ae Score 10T is the most predictive credit score for evaluating first-time homebuyer mortgage risk, outperforming VantageScore 4.0. The findings are especially significant for the millions of Americans working to achieve the dream of homeownership, where the accuracy of the credit score a lender relies on directly shapes who gets approved and on what terms.<\/p>\n

\nThe newly released analysis builds on Milliman’s earlier research showing FICO\u00ae Score 10T is the most predictive credit score<\/a> for evaluating mortgage default risk. Milliman independently analyzed nearly 20 million mortgages from a major U.S. credit bureau, covering GSE, FHA, and overall mortgage loans from 2011 through 2023.<\/p>\n

Key findings from the Milliman analysis on first-time buyers include:<\/b><\/p>\n