10/21/2026
💰 Your Credit Score vs. Your Chances of Getting Funded
800+ → 🟢 90%+ chance
740–799 → 🟢 85%+ chance
700–739 → 🟢 75%+ chance
670–699 → 🟡 60%+ chance
640–669 → 🟡 45%+ chance
620–639 → 🟠 35%+ chance
580–619 → 🟠 20%+ chance
Below 580 → 🔴 Harder to get funded
⚠️ 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. 💯