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Approval is rarely the question at this score; pricing is. Calculator prefilled with an estimated rate for this range; adjust anything.
Compare rates and get pre-approved. Shopping multiple lenders can save tens of thousands over the life of a loan.
For educational purposes only. Not financial advice. Actual loan approval depends on credit score, employment history, and lender criteria. Consult a mortgage professional before making home buying decisions.
A 670 credit score is solidly in "approvable" territory for every major loan program. The question stops being whether you'll get a mortgage and becomes what you'll pay for it: at 670 you're two pricing tiers below where conventional rates get genuinely good (740+).
Practically, that means rate shopping matters more than program shopping here. Quotes on the same conventional loan can vary by 0.25–0.5% between lenders for a mid-600s borrower, a bigger spread than higher-score borrowers see.
Yes. 670 is a good credit score by FICO's definition. The "good" band (670–739) brackets the U.S. average of about 715, and roughly 33% of U.S. consumers score below 670.
Good credit clears most screens without drama: the majority of rewards credit cards, mid-tier auto-loan pricing, and virtually every apartment application. For a mortgage you're approved everywhere; the remaining game is pricing, which steps up at 700, 720, and 740.
FHA can still edge out conventional at this score if your down payment is small, because FHA rates barely penalize credit. With 10–20% down, conventional usually wins.
Take a buyer earning $85,000 a year, with $400/month in existing debt and $25,000 saved for a down payment, on a 30-year loan:
| Estimated rate at a 670 score | 6.96% |
| Max home price (bank approval estimate) | $252,000 |
| Estimated monthly payment (P&I + tax + insurance) | $1,980/mo |
| Same buyer with a 760+ score | $255,000 |
| Buying power cost of a 670 score | −$3,000 |
PMI with less than 20% down runs moderately at this score, roughly $40–55 per month per $100,000 borrowed, and cancels at 20% equity.
At a 710 score (estimated 6.80%), the same buyer could afford about $254,000, $2,000 more house for the same income and monthly budget. The 680 and 700 tiers are close. Paying revolving balances down below 10% utilization the month before your credit is pulled is the most reliable quick lift.
Rules and pricing change at 580, 620, 640, and every 20 points beyond; see what credit score you need to buy a house for the full map. Pick your exact score, or use the main affordability calculator if credit isn't your constraint:
Credit is only half the equation; income sets the ceiling. See how much house you can afford at your salary, from $30k to $300k a year. Buying wheels first? See how much car you can afford with a 670 credit score.