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

FICO , global analytics software leader, 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.

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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.

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