Global analytics software leader FICO (NYSE: FICO) today announced that the FICO® Score Mortgage Simulator is now available to mortgage professionals through Credit Interlink, a leading software services provider to the mortgage origination and underwriting industry, as well as through its reseller partners, Partners Credit & Verification Solutions and Advantage Credit, Inc., it’s the sole FICO-developed mortgage score simulator for lenders, this integration delivers a best-in-class solution for evaluating credit scenarios, while enabling lenders to provide borrowers with transparent, trustworthy insights regarding their FICO® Scores used in mortgage decisioning.
The FICO® Score Mortgage Simulator is the only simulator in the market built by FICO data analytic scientists and powered by the FICO® Score algorithm. This distinction ensures the highest level of accuracy and reliability when modeling how changes in credit behavior, such as paying down debt or resolving collections, may impact a borrower’s FICO Score.
“What truly sets this integration apart is its direct connection to the credit scores that matter most in mortgage decisions,” said Shawn Jobe, vice president of Software and Product Development at Credit Interlink. “We recognize that no other tool provides the ability to model real FICO Score behavior with such accuracy and ease. By bringing this capability to our clients, we’re giving them a competitive edge in effectively guiding borrowers toward more favorable outcomes such as better loan terms. This is about smarter credit strategy, faster decisions, and a better overall lending experience.”
Key Benefits of the FICO® Score Mortgage Simulator:
- Mortgage-specific accuracy: Simulates outcomes using the actual FICO® Scores most commonly used in mortgage underwriting, delivering realistic and reliable credit insights.
- Interactive scenario modeling: Test the impact of hypothetical credit actions, like paying down debt or correcting errors, in real time, based on each borrower’s unique credit profile.
- Stronger borrower relationships: Empower professionals with transparent, data-driven tools that foster trust, improve communication, and elevate the borrower experience.
“FICO continues to bring innovation to the mortgage industry by developing tools like the FICO Score Mortgage Simulator, which can help more consumers responsibly qualify for mortgages and achieve homeownership,” said Geoff Smith, vice president and general manager of Consumer Scores at FICO. “Through transparent and actionable insights, lenders are empowered to guide borrowers toward better financial outcomes and unlock access to credit in a responsible, informed way. Our partnership with Credit Interlink is an important step in making these capabilities widely accessible at the point of lending.”
The FICO® Score Mortgage Simulator supports simulations on one, two or three bureaus, and models potential changes to the classic FICO® Scores used in mortgage lending – FICO Score 2, FICO Score 4 and FICO Score 5. This allows mortgage professionals to have the widest scope of insight across the FICO Scores they use.
Lenders or credit resellers can learn more about the FICO® Score Mortgage Simulator by visiting: https://www.fico.com/en/latest-thinking/solution-sheet/fico-score-mortgage-simulator.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting four billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.
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About Credit Interlink
Founded in 1993, Credit Interlink is a premier technology provider within the mortgage lending community, delivering comprehensive consumer credit and verification data solutions. The Credit Interlink platform empowers lenders throughout the entire loan lifecycle—from pre-application to post-close—by offering customizable credit reporting, seamless customer interfacing, and rapid product innovation. Built with scalability and flexibility at its core, the system is designed to meet the evolving needs of thousands of daily users, enabling businesses to tailor their operations and stand out in a competitive market. Credit Interlink continues to redefine how consumer loan data is accessed and utilized, driving efficiency and personalization in mortgage lending.
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