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Mortgage underwriting evaluates a borrower’s overall credit character—how responsibly debt is managed—and uses this analysis to determine lending risk.
TransUnion – FICO Classic 04
Experian – Fair Isaac v2
Equifax – FICO Classic 05
These mortgage-specific scoring models differ from the consumer credit scores shown on apps, free credit sites, or credit card portals.
Mortgage credit scoring is a risk-indicator, not a judgment of character. Scores range from 300–850 and are based on algorithms built specifically for mortgage lending.
Scores may differ from consumer credit scores because financial industries use different models and algorithms.
Each bureau uses its own scoring model and may hold different account data, since not all creditors report to all three bureaus. This creates score variation.
Mortgage lenders rely on a tri-merge report and use the middle score for qualification (or the lower of two scores when only two exist).
Payment history is the largest score factor. Late payments, collections, and judgments have major negative impact. A single 30-day late can drop scores up to 100 points.
The number of credit cards, available credit, and balance-to-limit ratios significantly influence scores. Keeping utilization below 30% is ideal before a mortgage credit pull.
A strong profile includes a mix of mortgages, installment loans, and three to five revolving accounts. Older tradelines help improve scoring strength.
Numerous recent inquiries or newly opened accounts can reduce a score by 10 to 30 points.
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