Current Mortgage Rates by Credit Score | 2025

Mortgage rates vary by credit score, with higher scores (740+) securing the lowest rates and lower scores facing higher costs. Even small score improvements can reduce rates and save thousands over a loan's life. Rates also differ by loan type—conventional, FHA, VA, USDA, and jumbo loans each have unique benefits. Refinancing rates depend on credit too, with cash-out refinances typically costing more. Improving credit and shopping lenders can lower mortgage costs.