"Credit score below minimum"

By Ziya Y. · 23 Years Banking · FRC Denial Code Intelligence

⚠️ This is often a LENDER OVERLAY — meaning another lender may approve you today.

What This Code Means

Score below the lender's minimum — but this minimum may be their overlay, not the agency floor.

Your Action Plan

FHA minimum: 580. Conventional: 620. VA: no set minimum. If your score exceeds agency minimums, this is a lender overlay. Apply at a lender following agency standards.

FRC Tools for This Denial Code

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