Key facts
- Fannie Mae and Freddie Mac released historical credit score data for FICO Score 10T and VantageScore 4.0.
- The data covers loans acquired by the GSEs from approximately April 2013 to September 2025.
- The release allows lenders to validate score performance and ensure regulatory compliance.
- The new models rely on trended data, which is not consistently available prior to 2013.
- Two calculation methodologies are available: 'Average then Average' and the existing 'Middle/Lower then Lowest'.
Fannie Mae and Freddie Mac have released historical credit score data for FICO Score 10T and expanded data for VantageScore 4.0. This move, announced by FHFA Director Bill Pulte, is a critical step for the mortgage industry's transition to new credit scoring models.
The Federal Housing Finance Agency (FHFA) and Fair Isaac Corp. (FICO) finalized terms for the FICO Score 10T data release in December, while the VantageScore 4.0 data release was previously announced in July 2024. The available data covers loans acquired by the government-sponsored enterprises (GSEs) from approximately April 2013 to September 2025.
According to the GSEs, consistent trended data to support FICO 10T and VantageScore 4.0 calculations is not available prior to 2013. The anonymous data utilizes an "Average then Average" loan-level score calculation methodology, averaging scores from each credit bureau for each borrower. For loans with multiple borrowers, their scores are averaged, and loans lacking a score from any bureau are excluded. The existing tri-merge "Middle/Lower then Lowest" methodology remains available, and its calculation method will not change.
VantageScore 4.0 is currently accessible to a limited number of lenders, with FICO Score 10T to be made available at a later date.