Mortgage rate-by-score payment delta
See illustrative payment and interest gaps across credit score rate bands for a fixed mortgage.
Compare illustrative mortgage rates by credit score band. Rates are fixed teaching examples - not live lender quotes or a rate lock.
Principal only; taxes and insurance not included
Rough range many mortgage files use for educational pricing bands
Often a stronger band to show payment and interest savings
Payment delta
+$314.95
extra per month at your band vs compare
- Your band (620-639) @ 7.50%
- $2,447.25 /mo
- Compare (760+) @ 6.15%
- $2,132.30 /mo
- Total interest delta (full term)
- +$113,382.00
- Your band total interest
- $531,010.00
- Compare band total interest
- $417,628.00
$2,447.25/mo
$2,132.30/mo
Illustrative rates only - not a quote. A stronger score band often means a lower rate and less interest over the full term. Lenders price loans differently.
Educational estimates only. Not credit repair advice, not a guarantee of score changes or loan approval. Results vary; we are not a lender or law firm.