10/21/2026
๐ฐ Your Credit Score vs. Your Chances of Getting Funded
800+ โ ๐ข 90%+ chance
740โ799 โ ๐ข 85%+ chance
700โ739 โ ๐ข 75%+ chance
670โ699 โ ๐ก 60%+ chance
640โ669 โ ๐ก 45%+ chance
620โ639 โ ๐ 35%+ chance
580โ619 โ ๐ 20%+ chance
Below 580 โ ๐ด Harder to get funded
โ ๏ธ These are rough estimates, not guaranteed approval rates.
Your score matters, but lenders also look at utilization, inquiries, payment history, income, account age, and negative items.
A 700 score with a weak profile can still get DENIED.
Score gets you looked at. Your PROFILE gets you funded. ๐ฏ