How do mortgage companies determine which credit score to use?

by ajmexico
Question by Melissa T: How do mortgage companies determine which credit score to use?
With the three credit scores being different, which do they use to determine you qualification for a mortgage? Or do they simply average all three scores. My husband has two scores at around 540 and his transunion is at 605. What are his chances?
Best answer:
Answer by Marie
Having just looked into refinancing myself, the mortgage companies take an average of the three scores.
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