Do Mortgage Lenders Use FICO or VantageScore? What Changed in 2026- and Why It Affects Your Rate
You pulled your credit on your banking app, saw a number in the 720s, then a lender quoted you off something 40 points lower. Same you, same credit — different score. Here’s why that gap finally matters in 2026, and how the right score can change your rate, your costs, and whether you get approved…
