Why do lenders use different credit scores?

B Lenders use mortgage-specific FICO models (FICO 5, 4, and 2) that weight your credit history differently than consumer apps like Credit Karma.

Lenders use mortgage-specific FICO models (FICO 5, 4, and 2) that weight your credit history differently than consumer apps like Credit Karma.

Last updated March 27, 2026 · Informed Mortgage LLC, NMLS #2523172. General information, not a rate quote or a commitment to lend.