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Why did my mortgage score differ from what I see on Credit Karma?
Key Takeaways
- Credit Karma shows VantageScore while lenders typically use FICO scores.
- Different scoring models weigh credit factors differently.
- Score differences of 20-50 points between models are normal.
Why is my mortgage score different from Credit Karma?
Your mortgage score differs from Credit Karma because lenders and Credit Karma use different scoring models. Credit Karma shows VantageScore 3.0, while most mortgage lenders pull FICO scores—typically FICO Score 2, 4, or 5 depending on the credit bureau. These models weigh credit factors differently, so the same credit report can produce different scores.
Mortgage lenders also pull what's called a tri-merge credit report, combining data from all three bureaus (Experian, Equifax, and TransUnion). They commonly use the middle score of the three. Credit Karma only shows scores from two bureaus and updates more frequently than the reports lenders see.
Check which scoring model your lender used and compare that to Credit Karma's VantageScore. Ask your loan officer for the specific FICO scores from each bureau. Many people see differences of 20-50 points between VantageScore and FICO, and that's normal. Share your Credit Karma score with your lender and they can walk you through how their credit pull process works for your loan.
About the Author
Dan Green
20-year Mortgage Expert
Dan Green is a mortgage expert with over 20 years of direct mortgage experience. He has helped millions of homebuyers navigate their mortgages and is regularly cited by the press for his mortgage insights. Dan combines deep industry knowledge with clear, practical guidance to help buyers make informed decisions about their home financing.
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