Mortgage Middle Score Calculator

This tool illustrates a common method: the middle of three bureau scores, then the lower qualifying middle score across borrowers. Actual eligibility and pricing rules vary by lender and program. Use scores from the same model. Eligible Fannie Mae and Freddie Mac loans may use Classic FICO or VantageScore 4.0; this calculator does not compute or convert those models and does not predict approval.

Your scores

Equifax

Experian

TransUnion

Middle score for this borrower: 720

Qualifying score

Borrower 1 middle score720

Score lenders will use720

LLPA score band720 to 739

Better pricing tier.

How tri-merge works

Lenders pull a tri-merge credit report with scores from Equifax, Experian, and TransUnion.
This common method selects the middle of the three scores for each borrower, not the average or highest.
With a co-borrower, this tool selects the lower middle score. Your lender's eligibility and pricing selection rules may differ by program and model.
A lender may use the selected score in a program-specific pricing grid. The applicable model, grid and full loan details matter; this result is not a price quote.

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 Simulator

Educational estimate. Not a credit decision, not a loan offer, and not a rate quote. Lender pricing varies.

Results are estimates based on user inputs and do not represent loan terms, APR, or a financing offer. Pre-filled values are illustrative examples, not available or quoted rates. Actual terms depend on credit, property, program, and underwriting. Every result applies to the entered planning scenario, not an observation period or local market statistic. Replace price, tax, insurance and fee allowances with dated, property-specific figures. Missing inputs are not assumed to be zero.

Utilization Paydown Simulator

See whether paying balances down can move you up a tier and a band.

Open

Mortgage Credit Impact Simulator

Translate your score band into rate, monthly payment, and lifetime interest.

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Mortgage Credit Impact Simulator

See what moving up a credit-score band changes in rate, monthly payment, and lifetime interest.

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Utilization Paydown Simulator

Estimate how paying credit-card balances under common utilization thresholds may move your score band.

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Mortgage Credit Readiness Simulator

Guided walk-through that combines scores, debts, and timeline into a single readiness verdict.

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Frequently asked questions

How do mortgage lenders choose a credit score?

A common method uses the middle score from a borrower's three bureau scores. With multiple borrowers, a lender may use the lower qualifying middle score. Program and lender rules can differ. Enter scores from the same model; this tool does not convert Classic FICO to VantageScore 4.0 or predict lender approval.

Do mortgage lenders use the average of my three scores?

Often, no. This calculator shows the middle score rather than the average, but the score model and selection method used for your loan depend on the lender and program.

Related glossary terms

Credit Score

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