Mortgage Lending - MarketMinute

Mortgage Lending

The Great Credit Reset: US Mortgage Market Enters New Era as Modernized Scoring Takes Full Effect

As of January 1, 2026, the American mortgage landscape has officially moved beyond the "Classic FICO" era, marking the completion of a multi-year regulatory overhaul designed to modernize how creditworthiness is measured. The Federal Housing Finance Agency (FHFA) has fully implemented its mandate requiring lenders to transition to

TransUnion

TransUnion (TRU) Plummets as Fair Isaac (FICO) Disrupts Mortgage Lending with New Direct Pricing

TransUnion (NYSE: TRU) shares experienced a significant downturn today, October 2, 2025, with a sharp decline of approximately 12.5%. This dramatic drop was triggered by Fair Isaac's (NYSE: FICO) strategic launch of a new direct pricing option for mortgage lenders, a move that directly challenges the traditional

Fair Isaac

FICO's Direct Play: A Seismic Shift in Mortgage Lending and Credit Scoring

Fair Isaac Corporation (NYSE: FICO), the venerable architect of the widely used FICO credit score, witnessed a remarkable surge in its stock price today, climbing over 20% in a move that sent ripples throughout the financial markets. This significant uptick comes on the heels of FICO's announcement of

FICO

FICO's Strategic Shift and Regulatory Onslaught Reshape the Credit-Score Landscape

The credit-score market is currently undergoing a monumental transformation, driven by Fair Isaac Corporation's (FICO) new direct licensing program and a wave of significant regulatory changes. Effective October 1, 2025, FICO's "FICO Mortgage Direct License Program" has fundamentally altered how mortgage lenders and tri-merge