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Mortgage Credit Score

When you apply for a mortgage, a number of factors influence the type of mortgage and interest rate for which you may qualify . These include your employment history, monthly income, assets, current liabilities or debts and credit score.

Your credit score reflects your history of repaying debts, such as car loans or credit card debt, according to the terms you agreed to when you borrowed money. This repayment history is reported to national credit bureaus which determine FICO scores. When you apply for a mortgage, lenders review FICO scores to determine the mortgage programs for which you may qualify .

To learn more about credit scoring, visit

If you have questions about how your credit score may impact your mortgage application, contact a U.S. Bank Loan Officer.


More Resources for First-Time Home Buyers

Need help getting through the process?

Call 877-303-1640 today to get started, or contact a local U.S. Bank Home Mortgage Loan Officer.


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Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice.

You can always call us for further information on the mortgage application process and to find out about the wide variety of mortgage products offered by U.S. Bank Home Mortgage.

Get Started
By Phone
877-303-1637 or
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