Fannie Mae and Freddie Mac on Wednesday released historical credit score data for FICO Score 10T and additional data for VantageScore 4.0, giving lenders a window into how the new models perform compared to the legacy Classic FICO model.
The Federal Housing Finance Agency (FHFA) and Fair Isaac Corp. (FICO) agreed to terms for the release of the historical FICO Score 10T data in December. The release of VantageScore 4.0 data was previously announced in July 2024, covering individual mortgage scores from 2013 to 2023.
FHFA Director Bill Pulte announced the adoption of the new credit scoring models in April, noting at the time that the data would be available this summer. Access to historical credit data is a critical step for the mortgage industry’s transition. It allows lenders, investors and risk modelers to validate score performance and ensure regulatory compliance.
The currently available data represents loans acquired by the government-sponsored enterprises (GSEs) from approximately April 2013 to September 2025, closely aligning with applications and originations from January 2013 to June 2025.
“Trended data is a key component of the new scoring models and, following discussions with the credit bureaus, it was confirmed that they do not have consistent trended data to support the calculation of FICO 10T and VantageScore 4.0 prior to 2013,” the GSEs said in an FAQ published on their websites.
The anonymous data relies on an “Average then Average” loan-level score calculation methodology — meaning the available credit scores from each credit bureau are averaged for each borrower.
For loans with multiple borrowers, a simple average of all borrowers’ credit scores is calculated. If a loan lacked a FICO Score 10T or VantageScore 4.0 credit score from any bureau, it was excluded from the historical file.
But the current tri-merge “Middle/Lower then Lowest” methodology is also available. Under that system, the middle of three (or lower of two) credit bureau scores is selected for each borrower, and the lowest score among all borrowers on the loan is ultimately chosen.
“The Classic FICO calculation methodology will not be changing, and the data is already available through the existing disclosure datasets,” the GSEs said.
VantageScore 4.0 is currently available to a limited number of lenders, while FICO Score 10T will be made available at a later date, according to the enterprises.
This article was written by Flávia Furlan Nunes and generated with the assistance of HousingWire Automation, then reviewed by a HousingWire editor before publication.
