The GSE Data Is Public. What the GSE Historical Data Reveals About Credit Score Performance. (Sponsored by FICO)

On July 1, Fannie Mae and Freddie Mac released the historical loan-level datasets the mortgage industry has been anticipating: FICO® Score 10T performance data spanning more than 12 years from April 2013 through September 2025. These datasets now include mortgage loan-level performance data for Classic FICO® Score, FICO® Score 10T, and VantageScore 4.0 — enabling a direct comparison on the same loans.