FICO announced the availability of its FICO Score Mortgage Simulator through SharperLending on October 29, 2025. The simulator allows mortgage professionals to model how changes to a borrower’s credit report—such as paying down debt or closing an account—affect their FICO Score. It supports all three credit bureaus and models several FICO Score versions used in mortgage underwriting, including FICO Score 2, 4, and 5.
The partnership integrates the simulator into SharperLending’s credit platform, which serves a broad base of mortgage lenders and servicers. By offering the tool on SharperLending’s platform, FICO can reach more mortgage professionals who can use the simulator to provide borrowers with clearer loan options and potentially improve loan approval rates.
The move is part of FICO’s broader strategy to deepen its footprint in the mortgage market amid growing competition from VantageScore and the FHFA endorsement of VantageScore for Fannie Mae and Freddie Mac loans. FICO has recently launched a direct licensing program for mortgage lenders to bypass traditional credit bureaus and offer more transparent pricing, which has generated significant market interest.
SharperLending, a subsidiary of Xactus, has been a technology partner for FICO and was one of the first to bring the FICO Score Mortgage Simulator to market earlier in 2025. The integration is expected to enhance customer engagement and support lenders in making more informed underwriting decisions, potentially translating into increased demand for FICO’s scoring and software solutions.
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