Can I get a mortgage with my credit score?

Every score from 500 to 845, broken into 5-point steps. Find yours, see which lenders approve it, what rate you'd pay, and how much that costs versus a higher tier.

Poor (500–579)

FHA may still work with a larger down payment. Conventional is very unlikely.

500 505 510 515 520 525 530 535 540 545 550 555 560 565 570 575

Fair (580–669)

FHA 3.5% down becomes available at 580. Conventional approvals start appearing but rates run high.

580 585 590 595 600 605 610 615 620 625 630 635 640 645 650 655 660 665

Good (670–739)

Most conventional programs open up. Rates improve meaningfully at each tier.

670 675 680 685 690 695 700 705 710 715 720 725 730 735

Very Good (740–799)

Best conventional pricing tiers. Most overlays no longer apply.

740 745 750 755 760 765 770 775 780 785 790 795

Exceptional (800–845)

Top-tier pricing across virtually every lender and program.

800 805 810 815 820 825 830 835 840 845

Educational tool only. Not financial advice. Actual approval depends on the complete file — DTI, income, reserves, and the specific lender's overlays, not credit score alone.

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×.

Which lenders approve most → Is it you or the door? → Apply to more than one? →

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.

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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.