Fair Isaac Corporation has announced that Guild Mortgage, a prominent national mortgage lender, has adopted the FICO® Score 10 T for non-GSE mortgage loans. This move highlights Guild's commitment to expanding credit access to a wider range of borrowers by utilizing advanced analytics. The FICO Score 10 T, known for its predictive capabilities, incorporates trended credit bureau data, allowing lenders to better assess consumer credit behavior over time. This adoption is part of Guild's strategy to support first-time homebuyers and those with limited traditional credit, providing more affordable and sustainable mortgage options. The integration of FICO Score 10 T is expected to enhance Guild's ability to manage risk and offer better loan terms, aligning with their goal of making homeownership more accessible.
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