FICO Scores help lenders make confident lending decisions that benefit borrowers while supporting a safe and stable mortgage ecosystem

BOZEMAN, Mont.--(BUSINESS WIRE)--Oct. 6, 2026-- Global analytics software leader FICO (NYSE: FICO) announced today that United Wholesale Mortgage (UWM), the nation's number one mortgage lender, is reaffirming its commitment to utilizing FICO Scores on all credit pulls across its broker lending operations, to help ensure borrowers receive the most favorable pricing and financing opportunities available.

As the industry standard in credit risk assessment, FICO Scores remain a critical component of UWM's credit evaluation process, helping the company make confident lending decisions. By incorporating FICO Scores alongside other eligible scoring models, UWM is able to leverage the broadest set of insights available to better serve borrowers and deliver optimal outcomes.

“Our goal is simple, put borrowers in the best possible position while making it easier for brokers to do business,” said Mat Ishbia, president and CEO. “No one should have to worry about which credit model wins. We handle that automatically on all credit pulls to help consumers save more money and improve affordability, empowering brokers to close more loans and further strengthening UWM’s position as the mortgage industry leader in delivering innovation, value, and better outcomes for brokers and borrowers alike.”

By helping lenders understand risk more accurately, FICO Scores support more precise mortgage pricing, helping borrowers secure competitive loan terms based on their individual credit profile while supporting the safety and soundness of the housing finance system.

"Our work with UWM is driven by our shared commitment to helping more consumers achieve the dream of homeownership," said Julie May, vice president and general manager of B2B FICO Scores. "FICO Scores provide lenders with the most trusted measure of credit risk, built on decades of proven performance. We applaud UWM's continued commitment to using best-in-class risk assessment tools that help borrowers access competitive mortgage terms while supporting a strong and stable mortgage ecosystem."

FICO remains the only independent analytics provider and the only score with known, predictable performance through a complete economic cycle, including the stressed period of the Great Recession. The FICO® Score continues to be the cornerstone of the consumer lending ecosystem, used by 90% of top U.S. lenders to make consistent, fair, and informed credit decisions.

Independent research shows FICO® Score 10T is the most predictive credit score for mortgage lending and outperforms alternative models across all major loan categories. As part of the FICO® Score 10T Free Access Program, participating lenders receive FICO Score 10T alongside the Classic FICO® Score they already use through dual processing — at no additional fee from FICO — lowering barriers to adoption and driving rapid modernization of mortgage credit decisioning.

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 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 US 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 80 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 US and has been made available in over 40 other countries, improving risk management, credit access and transparency.

Learn more at https://www.fico.com.

View source version on businesswire.com: https://www.businesswire.com/news/home/20261006537680/en/

Media Contact
press@FICO.com

Source: FICO