Weekly Real Estate News
FICO said Friday it will maintain its $10 wholesale mortgage credit-score price for lenders and brokers enrolled in its Preferred Program, a move that comes as the mortgage industry gains more options for evaluating borrower credit.
The price applies to a bundle that includes both the long-established Classic FICO Score and FICO Score 10T, the company’s newer scoring model. The arrangement is available through participating tri-merge reseller partners to lenders that have made the program’s required commitments.
Announced October 23 at 4:15 p.m. Eastern, the decision keeps the program’s wholesale price flat year over year rather than raising it.
What the $10 price covers
The figure is a wholesale mortgage-score price under FICO’s Preferred Program, not a universal $10 price for every credit report or mortgage applicant. Lenders’ total costs may also reflect reseller charges, credit-file fees and other services. Eligibility depends on participation through qualifying reseller partners.
FICO said both scoring models will be available under the bundle. Classic FICO remains widely used in mortgage lending, while FICO Score 10T incorporates trended credit data and rental-payment information.
Competition reshapes mortgage credit pricing
The announcement arrives amid intensifying competition from VantageScore 4.0, as lenders and the housing-finance system expand the use of alternative credit models. Credit bureaus and other industry participants have announced new pricing and score-choice programs in recent weeks.
FICO’s decision to hold the Preferred Program price steady signals a competitive response, although it does not establish what any individual lender will pay for a complete credit-reporting transaction.
WRE News previously reported on credit-bureau pricing changes and expanding lender score choices. Friday’s announcement adds FICO’s specific Preferred Program pricing decision to that evolving picture.
Source: FICO’s October 23, 2026 announcement.
