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← 780
Browse by Credit Score
800 is the elite tier for mortgages. You'll receive the absolute best rates from every lender. The rate difference from 780 is minimal — focus on lender fees and service quality.
Our Top Picks for 800 Credit Score
Best Rate
Better.com
APR Range5.65% – 5.95%
Min. Credit Score620
Why we recommend it: Better.com offers their absolute best rates to 800+ borrowers with no origination fee — the lowest total cost available.
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Best Service
Rocket Mortgage
APR Range5.70% – 6.00%
Min. Credit Score620
Why we recommend it: Rocket Mortgage's elite rates and award-winning service make it the top choice for 800 borrowers.
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Best for Comparison
Credible
APR Range5.65% – 6.00%
Min. Credit Score620
Why we recommend it: Even at 800, comparing lenders saves money. Credible's tool shows real rates from 10+ lenders in minutes.
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Frequently Asked Questions
What mortgage rate can I get with an 800 credit score?
800 borrowers get the absolute best rates — 5.65–5.9% in the current environment. This is the floor for conventional mortgage rates.
Should I still compare lenders at 800 credit?
Yes — even at 800, lender fees vary significantly. Better.com charges no origination fee while some lenders charge 1–2 points. On a $500,000 loan, that's $5,000–$10,000 in closing cost savings.
What's the best mortgage strategy at 800 credit?
Focus on lender fees rather than rate. Get quotes from Better.com (no fee), Rocket Mortgage, and your local credit union. The lender with the lowest total cost (rate + fees) wins.