- Find a Real Estate Professional
- Realtors®
- Mortgage Lenders
- Home Improvement Pros
- Other Real Estate Services
- Review an Agent, Lender or Pro
- Marketing on Zillow
- Real Estate Agent Advertising
- Join the Professional Directory
- Popular
- Real Estate Market Reports
- More
Answers (4)
- Rudi Hofmann, "LUXURY HOME LOANS CA"
- Contributions:7435
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.
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.
- Gary Cohen, "Gary Sells Money"
- Contributions:48
For just about every lender the lowest middle score will be used for the couple.
- Metrocity Lending
- Contributions:5
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.
- Clay Branch, "Georgia Loans"
- Contributions:7839
With the exception of a few of portfolio lenders, the lowest middle score is used.
Which of my three credit scores will a lender use?
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)?
Stating a discriminatory preference in an advertisement for housing is illegal. If you think this content is discriminatory or otherwise inappropriate and feel it should be removed from Zillow, please let us know by completing the information above.
We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.