Mortgage Middle Score Calculator
Mortgage lenders pull all three bureau scores (Equifax, Experian, TransUnion) and use the middle one. With a co-borrower, they take the lower of the two middle scores. That number is what prices your loan, not the average and not the highest.
Your scores
Middle score for this borrower: 720
Qualifying score
Better pricing tier.
How tri-merge works
- Lenders pull a tri-merge credit report with scores from Equifax, Experian, and TransUnion.
- For each borrower, they take the middle of the three scores. Not the average, not the highest.
- If there is a co-borrower, they then take the lower of the two middle scores. That single number is the qualifying score the file is priced off of.
- The qualifying score maps to a row on the LLPA matrix, which sets your base price adjustment.
See what this score is worth in dollars
Carry the 720 to 739 band into the Mortgage Credit Impact Simulator to see the LLPA, the rate-equivalent impact, and the savings of moving up a band.
Open Impact SimulatorEducational estimate. Not a credit decision, not a loan offer, and not a rate quote. Lender pricing varies.
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See what moving up a credit-score band changes in rate, monthly payment, and lifetime interest.
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Estimate how paying credit-card balances under common utilization thresholds may move your score band.
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Guided walk-through that combines scores, debts, and timeline into a single readiness verdict.
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