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Which of my three credit scores will a lender use?

It seems that most things that I read says that the "best rates" go to those with credit scores over 740.

Which of my credit scores will a lender use (lowest, middle, average, etc.)?

Also, which score would they use in the case of a joint application (husband/wife)?
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October 05 2010 - Braintree
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Answers (4)

The lowest middle score of all borrowers is the decision score, with the exception of US Bank which decisions on the middle score of the borrower that earns the largest portion of household income.

Best wishes. .... When I was in operating a business with firm out of Foxborough, I had an attorney by the name of Mc Donald in Braintree. He fit the description. Cute place with the little town square. Of course, it's probably different now.
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October 06 2010
For just about every lender the lowest middle score will be used for the couple. 
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October 06 2010

They will use the middle score and the lower middle score on a joint application. I recently found out the some lenders will use the middle higher score. For example.

787
787
749

One lender I found out is using the 787 which gave me a higer YSP in return.

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October 05 2010
With the exception of a few of portfolio lenders, the lowest middle score is used.
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October 05 2010
 
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Which of my three credit scores will a lender use?
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