Median credit scores of mortgage borrowers in the U.S. 2019-2023, by mortgage type

Published by Statista Research Department, Jul 9, 2025

The median credit score for conventional non-conforming mortgage applicants in the U.S. was the highest in 2023. The median credit score for these mortgages was *** in the third quarter of the year. FHA loans, on the other hand, had the lowest median credit score, at ***. 

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Median credit scores of mortgage borrowers in the United States from 1st quarter 2019 to 3rd quarter 2023, by mortgage type

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Release date

February 2024

Region

United States

Survey time period

Q1 2019 to Q3 2023

Supplementary notes

FHA loans refers to loans from private lenders, regulated by the Federal Housing Administration.

HELOC or home equity line of credit is a loan that allows borrowers to borrow against their home equity.

RHS loans or Rural Housing Service loans refers to loans to moderate-income rural residents for home purchasing, construction, and repair.

VA loans stands for Veteran Affairs loans, or mortgages to servicemembers, veterans, and their families.

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