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680 is solidly good for mortgages. You'll receive competitive rates from most lenders and have full access to all loan programs. This is where mortgage financing starts to feel affordable.
Our Top Picks for 680 Credit Score
Best Rate
Better.com
APR Range6.25% – 7.00%
Min. Credit Score620
Why we recommend it: Better.com's no-fee model and competitive rates for 680 borrowers make it the top choice for cost-conscious homebuyers.
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Best for Fast Closing
Rocket Mortgage
APR Range6.35% – 7.10%
Min. Credit Score620
Why we recommend it: Rocket Mortgage's Verified Approval program and fast closing times make it ideal for competitive housing markets.
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Best Comparison Tool
LendingTree
APR Range6.25% – 7.10%
Min. Credit Score580
Why we recommend it: LendingTree's multi-lender comparison is especially valuable at 680 where you're entering prime territory and lenders compete for your business.
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Frequently Asked Questions
What mortgage rate can I get with a 680 credit score?
680 borrowers typically qualify for 6.25–7.1% on conventional loans. This is approaching prime territory — the best rates are available to 720+ borrowers.
Should I put 20% down at 680 to avoid PMI?
If you have the funds, yes — avoiding PMI saves 0.5–1.5% annually. However, if putting 20% down depletes your emergency fund, a smaller down payment with PMI may be safer.
How much does a 680 vs 720 credit score save on a mortgage?
On a $400,000 mortgage, the difference between 6.75% (680) and 6.25% (720) APR is about $130/month or $46,800 over 30 years.