Mortgage loans. DO mortgage lenders use the averg/ credit score from the husband/wife?

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  1. Reply
    Dan Soschin
    April 30, 2011 at 12:10 am

    Our lender used the lowest score, but I think this is a factor of the lender and varies.

  2. Reply
    April 30, 2011 at 12:33 am

    Typically the middle credit score of the primary borrower (wage earner) is used. But there are numerous loan programs out there and it just depends on the particular program.

  3. Reply
    April 30, 2011 at 12:53 am

    In most cases the lender uses the middle score to determine Credit approval and interest rates. Its best to apply with the person who has the highest scores.

  4. Reply
    J W
    April 30, 2011 at 1:33 am

    I have a few lenders that add all 3 credit scores from husband, then all 3 credit scores from wife and divide them by 6 to get the average credit score.

    This sometimes is the difference between being able to close a loan or having it fall apart.

    If you have any more questions please feel free the email me at

  5. Reply
    April 30, 2011 at 1:57 am

    usually, the mortgage company will pull a tri-merge report for both borrowers, and use the lowest middle score. (Basically, there will be 6 scores total, one of his and one of yours from each bureau. Find your middle score, and his middle score, and use the lower of the two).

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