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Did FICO's Expanded Mortgage Direct Licenses Quietly Deepen Its Scoring Moat and Pricing Power (FICO)?
In December 2025, FICO announced that Cotality and Ascend Companies joined its FICO Mortgage Direct License Program, enabling participating tri-merge resellers to generate and deliver FICO Scores directly to lenders with more transparent, flexible pricing and improved operational efficiency.
This expansion highlights how FICO is embedding itself more deeply into the mortgage infrastructure, potentially reshaping how credit scores are distributed and priced across the lending ecosystem.
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