670
Fair — Limited Options, Higher Rates
You've crossed into "Good" territory — about 70% of Americans are at 670 or above, so you're now in the majority. (Experian 2025 Consumer Credit Review)
Approved Lenders
FHA lenders, some credit unions
Est. Monthly Payment ($400K home)
$2,151/mo
vs 740 Score
+$170/mo · +$61,200 over 30yr
The Real Answer
A 670 score limits you to FHA loans and credit unions. You'll pay significantly more in interest. Credit repair could save you $40,000+ over 30 years.
💳 Your Score is Costing You Money
$61,200 more
vs a 740 score on the same $400K home over 30 years
Not financial advice · Individual results vary
Disclosure: FRC may earn a commission if you use this link — at no cost to you. This does not influence our data or analysis.
Next Steps
The half of the answer almost nobody publishes free
Credit-score thresholds are the visible half of qualifying. The other half is which lender receives your file — and that half is measurable. In the complete 2025 federal HMDA record (1,187,606 FHA applications that reached a credit decision), denial rates across the 100 largest FHA lenders ranged from 1.8% to 78.7%. Same federal program, same year: a 44× spread.
And it is not simply a matter of who applies where. Holding state, loan amount, income, debt-to-income and loan-to-value constant across 24,933 borrower-profile cells, applicant mix explains only a 2.9× range — while the observed spread stays 44×.
CFPB HMDA 2025, computed by FinanceRateCalc · decisioned = actions 1,2,3 · rates partly reflect applicant mix · historical observation, not a prediction about any individual application · free, CC BY 4.0.
The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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