Different lenders use credit scores from various agencies to evaluate your creditworthiness. There is no universal magic number that can take you across the threshold. A 660+ score on the FICO scale is generally considered good, but that is no guarantee of acceptance. The lenders try to judge you by your sense of responsibility and your capacity to pay the mortgage on time. A higher credit score can only indicate better pay-off terms for your mortgage, but it’s the lender who accepts/rejects your application.