Mortgage Credit Scoring Update: VantageScore, Classic FICO, FICO 10T | March 31

Welcome to this week’s episode of Optimal Insights. In this episode, the speakers discuss mortgage credit scoring and credit reporting, including how Classic FICO compares with newer models often referenced in the industry such as VantageScore and FICO 10T. They share their expert opinions and insights into how these factors are shaping the industry and the broader economic landscape. Key Points:Why credit scoring competition and modernization remain active topics in mortgagesHow newer scoring approaches are often described, including trended data and added inputsWhat questions remain for adoption, pricing, and consistency across the market Optimal Insights Team:Jim Glennon, SVP, Hedging and Trading OperationsAlex Hebner, Hedge Account ManagerJames Cahill, MSF/MSR Account Manager Production Team:Executive Producer: Sara HoltzProducer: Matt Gilhooly Commentary included in the podcast shall not be construed as, nor is Optimal Blue providing, any legal, trading, hedging, or financial advice. Mentioned in this episode:Is Your PPE Helping – or Holding You Back?Small delays can become everyday obstacles. If your team relies on workarounds, extra verification steps, or manual processes to keep loans moving, it may be time to rethink your pricing engine. Discover what a modern PPE should deliver – from real-time accuracy and intelligent automation to seamless workflow execution. Learn more today. Explore the Optimal Blue PPE - https://www2.optimalblue.com/optimalblueppe