
Credit scoring shift giving lenders new choices — and new risks
For decades, FICO was the only credit scoring model that mattered in mortgage lending. Lenders built their workflows around it, mortgage insurance companies priced to
Jeff Gentry is chief revenue officer of Service 1st, where he leads national sales strategy and enterprise partnerships across mortgage, consumer and commercial lending. With more than two decades’ experience in credit reporting and financial services, Gentry works closely with lenders to develop compliant, cost-effective credit solutions that align with evolving market demands. He can be reached at jgentry@srv1st.com.

For decades, FICO was the only credit scoring model that mattered in mortgage lending. Lenders built their workflows around it, mortgage insurance companies priced to
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