Will my mortgage lender show me the credit score they used?

What will I receive?

Federal law, 15 U.S.C. 1681g(g), applies to lenders and brokers that use a credit score for a loan secured by a 1-4 unit home. They must give you:

• the credit score or scores used, and the range of possible scores for that model;
• the key factors that lowered the score, usually up to four;
• the date the score was created and the company that provided it; and
• the Notice to the Home Loan Applicant, with the name, address and phone number of each credit bureau that supplied a score.

Why doesn't it match my credit card app?

The law itself warns that the score a bureau gives you may differ from the one a lender uses. Mortgage lenders often use specific score models, and each bureau may have different information on file. Your scores can also change from month to month. See can lenders use VantageScore 4.0 and FHA's new score options for 2027.

How can I use the key factors?

The key factors are a short to-do list. If they point to high card balances, paying those down before your lender re-pulls credit may help. If something looks wrong, check your free reports at AnnualCreditReport.com and dispute errors with the bureau. See disputed accounts and your mortgage and the credit guide.

What other documents am I entitled to?

• Your appraisal: under Regulation B, you get a copy of appraisals and valuations developed for your application, promptly after they're done or three business days before closing, whichever is earlier, unless you waive that timing. See the new appraisal report.
• A reason if you're turned down: if a lender denies your application, it must tell you in writing, with the specific reasons or how to ask for them. See mortgage denied: what next.