Tag home affordability

Mortgage Rates

Credit Score Impact on Mortgage Rates in 2026: Real Data from 620 to 760+ FICO Scores

Chart comparing mortgage rates by FICO credit score ranges from 620 to 760 plus in 2026

Borrowers with a 620 FICO score pay 7.41% on mortgages, while those at 760+ get 6.66%. See how credit scores directly affect your rate in July 2026 market data.

Marcus Delgado
July 6, 2026