Lenders use all three scores?I applied for a FHA loan two days ago with a local bank and a mortgage broker. The banks scores were two at 680 and one at 650 and they gave me a cost sheet based on one of the 680 scores. The broker just told me my score was 650 and I'd have to take a higher rate than what we had discussed on the phone when I told him I thought my score was 670. I know he didnt pull all three but arent they supposed to?April 21 2014 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.