A mortgage credit pull is when a lender reviews your credit report and credit score as part of evaluating a loan request. Credit is one of several factors lenders may consider.
Why lenders review credit
- To evaluate repayment history
- To review current debts
- To assess credit utilization
- To identify recent credit activity
- To help determine loan eligibility
- To support pricing and program review
Soft inquiry vs. hard inquiry
Some early screening tools may use a soft inquiry, while formal mortgage applications often involve a hard inquiry. The lender or partner should disclose what type of credit review is being performed before it happens.
What credit factors may matter
- Payment history
- Credit utilization
- Length of credit history
- Recent inquiries
- Open accounts
- Collections or derogatory items
- Public records, if applicable
Have a 650+ credit score and want to explore options?
Tips before a mortgage credit review
- Avoid opening unnecessary new credit
- Keep credit card balances manageable
- Make payments on time
- Review your credit report for errors
- Avoid large new debts before applying
- Ask whether a credit review is soft or hard
Explore options based on your goals and profile.
Get StartedCredit review, score impact, eligibility, pricing, and loan availability vary by lender, credit bureau, borrower profile, and loan program.