Compare Mortgage Rates for Above Average Credit (680) - Feb 13, 2026
Scores in the 680s are above average. You'll have access to most loan types, but rates and options improve as you move into the 700s. Even a modest bump can reduce your rate and total cost—worth considering if you have time before applying.
If you have time before buying, optimizing your credit can pay off. Use the rates below to see what you qualify for now, then revisit after you’ve boosted your score to see how much the loan changes.