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750 Credit Score Mortgage Rate: What Kind of Rates Can You Get?

With a 750 credit score, you might qualify for the lowest mortgage rates — which can help you save thousands of dollars over the life of your loan.

Kim Porter Kim Porter Edited by Chris Jennings Updated January 4, 2022

Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. By refinancing your mortgage, total finance charges may be higher over the life of the loan.
Credible Operations, Inc. NMLS # 1681276, is referred to here as "Credible."

When you’re looking for a mortgage, the lender will usually pull your credit score as part of the approval process.

Most consumer credit scores range from 300 to 850 — with 850 being the highest score — but you don’t need the best score possible to qualify for the lowest mortgage rates. A 750 credit score is generally considered “excellent” and can help you secure good loan terms.

Here’s what you need to know about credit scores of 750 or higher:

  • How good is a 750 credit score?
  • Average mortgage rates for an 750 credit score
  • Other factors behind your mortgage rate

How good is a 750 credit score?

A 750 credit score is better than the U.S. average, which was 711 in 2020, according to credit bureau Experian. Lenders tend to evaluate credit scores in ranges and offer the same rates to people within the same range.

A 750 credit score generally falls into the “excellent” range, which shows lenders that you’re a very dependable borrower. People with credit scores within this range tend to qualify for loans and secure the best mortgage rates.

credit score range

A 750 credit score could help you:

  • Qualify for a mortgage
  • Negotiate the loan terms, since the lender might be willing to compete for your business
  • Get low mortgage rates, which makes borrowing cheaper

Some lenders might consider a 750 credit score on the cusp between “good” and “excellent,” which could influence the rate you receive. Be sure to monitor your credit score in the months leading up to your mortgage application.

Tip: To maintain healthy credit or even improve your credit score, try to pay all your bills on time, keep your credit card balances low, and refrain from opening new credit accounts.

There’s no official “cutoff” that all lenders use, but a higher credit score can generally help when you apply for a mortgage.

Keep Reading: How Your Credit Score Impacts Mortgage Rates

Average mortgage rates for an 750 credit score

Your credit score measures how well you’ve managed money in the past, and it helps the lender predict how you’ll pay back a loan in the future.

A higher credit score generally shows that you’ve paid back money as agreed, which decreases the lender’s risk — and can help you score a lower mortgage rate.

The table below shows a sampling of interest rates from our partner lenders. You can fill in your financial information and select a credit score range of Excellent (740+) to see what kind of mortgage rates are available in your area.

Loading widget - purchase-rate-table

The quotes here are for an annual percentage rate (APR), which is the interest rate plus any fees the lender charges.

It’s a more precise measurement of the costs involved, so always compare loan APRs when shopping for mortgages. Typically, a lower APR means you have less to pay on top of the amount you borrowed.

For example: Say you take out a 30-year fixed mortgage for $200,000 with a 3% APR and 20% down payment, and your credit score is at least 750. Your hypothetical monthly payment would be $612.

Compare that monthly payment to someone with a poor credit score, who might pay $653 a month for the same loan. The borrower with poor credit would pay $16,134 more in interest over the life of the mortgage.

Enter your loan information to calculate how much you could pay

? Enter the total amount borrowed $
? Enter your annual interest rate %
or
? Enter the amount of time you have to repay your loan years
Total Payment $
Total Interest $
Monthly Payment $

With a $ home loan, you will pay $ monthly and a total of $ in interest over the life of your loan. You will pay a total of $ over the life of the mortgage.


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Checking rates won’t affect your credit score.

Other factors behind your mortgage rate

Mortgage rates are based on many factors, including your overall financial health and broader economic trends.

Every lender has a different way of determining its loan terms. So while having a 750 credit score can help you get a favorable rate, you should understand what else goes into the decision:

Larger economic factorsPersonal economic factors
  • Strength of the economy
  • Inflation rates
  • Employment
  • Consumer spending
  • Housing construction and other market conditions
  • Stock and bond markets
  • 10-year Treasury yields
  • Federal Reserve policies
  • Credit score
  • Credit history
  • Down payment size
  • Loan-to-value ratio
  • Loan size, type, and term
  • Debt-to-income ratio
  • Location of the property

You have control over some of these factors:

  • Down payment: A sizable down payment could help you secure good loan terms because it reduces some of the lender’s risk. And if you can comfortably put down 20% on a conventional loan, there’s another benefit: You avoid paying for private mortgage insurance.
  • Loan size: You might receive a higher interest rate on a loan that’s particularly large or even one that’s very small. Talk with your lender about ways to adjust your loan size.
  • Loan term: Generally, mortgage rates are lower on shorter-term loans because the lender is extending risk for a shorter period of time. Compare interest rates and monthly payment amounts on different loan terms — such as 15, 20, and 30 years — to see what you can afford.
  • Debt-to-income ratio: Your DTI ratio compares how much of your monthly income goes toward paying debt. A lower DTI ratio — around 43% or less — could help you qualify for a low mortgage rate because you have room to spare in your budget.

Learn More: What Is a Mortgage Rate and How Do They Work?

Comparing mortgage rates from different lenders is one way to make sure you get the best mortgage rate possible. Credible can help you compare prequalified rates from our partner lenders without hurting your credit score, and it takes just minutes.

Credible makes getting a mortgage easy

  • Instant streamlined pre-approval: It only takes 3 minutes to see if you qualify for an instant streamlined pre-approval letter, without affecting your credit.
  • We keep your data private: Compare rates from multiple lenders without your data being sold or getting spammed.
  • A modern approach to mortgages: Complete your mortgage online with bank integrations and automatic updates. Talk to a loan officer only if you want to.

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About the author
Kim Porter
Kim Porter

Kim Porter is an expert in credit, mortgages, student loans, and debt management. She has been featured in U.S. News & World Report, Reviewed.com, Bankrate, Credit Karma, and more.

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Home » All » Mortgages » 750 Credit Score Mortgage Rate: What Kind of Rates Can You Get?

Credit Scores and Home Loans


  • Credit Score Needed to Get a Mortgage
  • Buying a House with Bad Credit
  • Buying a House with No Credit
  • How Credit Impacts Mortgage Rates

Mortgage Rates by Credit Score

  • 800 Credit Score Mortgage
  • 750 Credit Score Mortgage
  • 700 Credit Score Mortgage
  • 640 Credit Score Mortgage

Other Mortgage Rate Factors

  • How Mortgage Rates Work
  • Debt-to-Income Ratio
  • Down Payment
  • Discount Points

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