Case Study: Leading Rural Mortgage Company achieves higher automated approvals and streamlined underwriting with FICO Decisions

Leading Rural Mortgage Company - Customer Case Study

A lender specializing in USDA‑backed rural mortgages was approving only 25% of applications automatically and processing another 65% through a time‑intensive manual review. Their third‑party scoring model could not accept overrides or visualize decisions, creating bottlenecks and limited visibility into adjudication.

FICO Decisions implemented automated underwriting and workflow orchestration to manage credit bureau calls and invoke a customized scoring model. The solution delivered a custom score model, full eligibility rules with clear ineligibility reasons, simulation and reporting of rule changes, and business‑user access for rule modifications—enabling faster, more transparent decisioning and self‑service rule management.