Optimal Blue's integration enables lenders to decision, price and operationalize FICO Score 10T across the mortgage lifecycle

FICO (NYSE:FICO), global analytics software leader, today announced that Optimal Blue, the mortgage industry's end-to-end capital markets platform, has integrated FICO® Score 10T into its platform. This move marks a significant milestone in the broader operationalization of the industry's most predictive credit scoring model across the mortgage ecosystem.

This implementation represents a meaningful expansion of the infrastructure needed to support broader adoption of FICO® Score 10T across the mortgage lifecycle—from origination through capital markets and servicing. Optimal Blue supports approximately 60% of the top 50 U.S. mortgage lenders, including independent mortgage banks, credit unions, depository banks, brokers, investors, and servicers. With the integration into Optimal Blue's product, pricing and eligibility (PPE) engine, MSR valuation, hedging and trading capabilities, lenders can price and decision non-agency loans using FICO Score 10T directly within the Optimal Blue technology.

"The question for mortgage lenders is no longer whether to adopt FICO Score 10T, but how quickly they can put it to work," said Julie May, vice president and general manager of B2B Scores at FICO. "Optimal Blue's implementation is a defining answer to that question—embedding the industry's most predictive credit score directly into pricing, hedging, and secondary market valuation at a scale that moves the entire ecosystem forward."

As resellers expand access to FICO® Score 10T—and Optimal Blue's modern, proven technology enables pricing and decisioning at scale—the mortgage technology ecosystem is rapidly aligning around adoption. FICO Score 10T's availability within the Optimal Blue platform also extends to the secondary market, where investors and servicers can leverage FICO Score 10T to assess and value loan portfolios with greater precision.

FICO® Score 10T is currently available at no cost alongside Classic FICO through the FICO Score 10T Free Access Program, enabling side-by-side testing without requiring lenders to pay for an additional score.

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 Optimal Blue

Optimal Blue powers strategic performance across the mortgage capital markets ecosystem. As the industry's only end-to-end capital markets platform, our technology, data and integrations bridge the primary and secondary markets to help lenders of all sizes optimize performance – from pricing accuracy to margin protection and every step in between. Backed by over 20 years of proven expertise, our modern, cloud-native technology delivers the real-time automation, actionable data and seamless connectivity lenders need to navigate market volatility and scale for growth. To learn more about how Optimal Blue helps deliver measurable ROI, visit OptimalBlue.com.

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

Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs

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.

View source version on businesswire.com: https://www.businesswire.com/news/home/20260604619291/en/

Press Contact

press@FICO.com

FICO Score 10T Now Integrated Into Optimal Blue's Capital Markets Platform