Unlock the Full Value of FICO® 10T

Side-by-side decisioning, pricing transparency, and real-world performance data, turning advanced credit analytics into immediate pricing advantages, expanded eligibility, and faster market adoption.

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See the difference before you commit.

FEATURE

LoanPASS + FICO 10T

Surfaces incremental approvals already in your pipeline

✓

Side-by-side decisioning versus Classic FICO

✓ Live pipeline comparison

Complimentary FICO 10T enabled PPE

✓ No cost, no added technology

SIDE-BY-SIDE DECISIONING

See the impact before you commit.

Run Classic FICO® and FICO® 10T decisioning against your live loan pipeline, not a hypothetical sample, so you can see exactly how the score shift plays out for your borrowers before you adopt it.

• Gain immediate visibility into approvals and pricing using your own loan data.
• Identify incremental loan opportunities already sitting in your pipeline.
• Uncover borrowers who qualify or price better under FICO 10T.

Two professionals reviewing an application together

FICO® Score 10 T

Mortgage investment hypothetical portfolio illustration

This example shows $1,936,778 of potential incremental cash flow and ~18% reduction in delinquency rate using FICO® Score 10 T versus Classic FICO® Score, taking into consideration the following assumptions:

A hypothetical portfolio with a pool volume of $1 billion with an original amortization of 360 months.
Delinquency rates are based on a FICO® Score cutoff of 680.
Principal and interest are calculated based on the hypothetical coupon, delinquency, and prepayment rates.

A hypothetical portfolio with a pool volume of $1 billion with an original amortization of 360 months.
Delinquency rates are based on a FICO® Score cutoff of 680.
Principal and interest are calculated based on the hypothetical coupon, delinquency, and prepayment rates.

Assumptions

Cash flow using Classic FICO® Score

Cash flow using FICO® Score 10 T

Pool Balance (hypothetical)

$1,000,000,000

Amortization Term (months)

360

Coupon

Delinquency Rate (monthly)

0.11%

0.09%

Prepayment Rate (monthly)

0.42%

Cash flow

Principal

$90,857,169

$92,060,470

Interest

$40,621,048

$41,354,524

Total Cash Flow

$131,478,217

$133,414,995

Incremental Cash Flow using FICO® Score 10 T instead of Classic FICO® Score

$1,936,778

Note: These numbers are for illustrative purposes; actual results will vary based on investor’s portfolio.

CONTROLLED, RULES-BASED PRICING

Sharper borrower pricing. No added risk.

FICO 10T works inside the same controlled, rules-based decisioning environment you already trust, helping improve pricing outcomes while keeping every rule, condition, and exception under your control.

DATA-BACKED ADOPTION

Make the adoption call with confidence.

Automated reports quantify changes in pricing, eligibility, and execution, helping your team make a data driven adoption decision instead of a guess, and contributing real-world performance data that supports investor acceptance.

Frequently Asked Questions

What does side-by-side FICO 10T decisioning actually show me?

LoanPASS runs your live pipeline through both Classic FICO and FICO 10T decisioning, so you can see, loan by loan, where approvals, pricing, and eligibility change before you decide to adopt the score.

What does side-by-side FICO 10T decisioning actually show me?

Does adopting FICO 10T mean taking on more risk?

No. FICO 10T runs inside the controlled, rules based decisioning environment you already use, keeping your existing risk rules, conditions, and exceptions fully in your control.

Does adopting FICO 10T mean taking on more risk?

No. FICO 10T runs inside the controlled, rules based decisioning environment you already use, keeping your existing risk rules, conditions, and exceptions fully in your control.

What does it cost to get started?

LoanPASS provides complimentary access to a FICO 10T enabled PPE, so there is no added cost or technology lift to begin comparing outcomes on your own pipeline.

What does it cost to get started?

LoanPASS provides complimentary access to a FICO 10T enabled PPE, so there is no added cost or technology lift to begin comparing outcomes on your own pipeline.

Which loan products does this work with?

FICO 10T decisioning in LoanPASS supports Conventional, FHA, VA, Non-QM, and Jumbo products within the same rules based engine you already use today.

Which loan products does this work with?

FICO 10T decisioning in LoanPASS supports Conventional, FHA, VA, Non-QM, and Jumbo products within the same rules based engine you already use today.

Take Control. Move Faster.

A LoanPASS demo is not a canned walkthrough. It is a conversation designed to uncover your decisioning challenges, and explore how LoanPASS PPE+AUS, and PMI Rate Pro, can help solve them. Not ready yet? Subscribe for updates, insights, and other great content.