Compare Mortgage Rates for Excellent Credit (740)
Scores in the 740s are excellent for mortgages. You'll see strong rates and broad eligibility for conventional, FHA, VA, and USDA loans. Many lenders reserve their best pricing for 740+, so you're in a very good position. If you have time before buying, optimizing your credit can help—use the rates below to see what you qualify for now, then revisit after you've boosted your score.
Compare rates below
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.
Frequently Asked Questions
How does my credit score affect my mortgage rate?
Higher credit scores typically qualify for lower rates. Lenders use risk-based pricing—borrowers with stronger credit get better terms. Moving up a tier (e.g., from 660 to 700) can often reduce your rate and save thousands over the life of the loan. The rates above show what lenders offer for your score range.
Can I improve my rate by raising my credit score before applying?
Yes. If you have time before buying, paying down debt, correcting errors on your report, and avoiding new credit can boost your score. Even a modest increase can unlock better rates. Use the rates above as a baseline, then revisit after improving your score to see how much you could save.
What if my score is in a different range?
Rates can change meaningfully between score tiers. Use the links above to explore rates for other credit ranges. Your actual rate depends on your full application—income, debt, down payment, and loan type—but these tables help you compare lenders and see the range of offers for your situation.