California Mortgage Applicants Tops in the Nation With Highest Credit Scores – NMP Skip to main content

California Mortgage Applicants Tops in the Nation With Highest Credit Scores

Feb 10, 2012

A study conducted by Mortgage Marvel has concluded that California mortgage applicants, for the second year in a row, have the highest average credit scores in the nation at 754—a full 24 points above the national average of 730. Mississippi mortgage applicants, again for the second year in a row, had the lowest average credit score of 686, 44 points below the national average. The information was compiled by analyzing more than 330,000 mortgage applications received in 2011 by clients of Mortgagebot, a D+H company. Mortgagebot is the owner of Mortgage Marvel and the provider of the PowerSite suite of integrated point-of-sale solutions. Of the states with the highest average credit scores, four are in the West and five are in the Northeast. There was only one state in the top 10, Wisconsin, from another region (Midwest). The Southeast occupied five of the 10 lowest credit score positions. Mississippi, for the second year in a row, had the nation's lowest average credit score.
About the author
Published
Feb 10, 2012
Newrez Expands Into Personal Loans, Deepening Ties With Upgrade

The launch builds on a $1.5 billion loan investment relationship between parent Rithm Capital and Upgrade, extending Newrez's push beyond traditional mortgage lending

Nov 12, 2026
Better's Mortgage Volume Rises 15%, But Losses Persist

Better is targeting a bigger share of wholesale lending, with plans to expand into Non-QM and conventional mortgages

Nov 10, 2026
Strong Jobs Report Threatens Mortgage Rate Rally

October hiring more than doubled expectations, pushing Treasury yields higher

Nov 06, 2026
Fed Holds Rates, But Pricing Pressures Persist

Rising Treasury yields and fresh inflation data complicate rate locks, borrower qualification, and lender margins as markets anticipate another hike in December

Oct 29, 2026
Zippy Adds Capital For Manufactured-Home Lending Push

The $20 million investment from Saluda Grade will support expansion beyond 27 states and new loan products across wholesale, retail, and community channels

Oct 16, 2026
Inflation Hits 3.7%, Putting Mortgage Rate Relief At Risk

September’s inflation pickup puts recent rate improvements at risk, potentially eroding affordability gains from lower home prices and seller concessions

Oct 14, 2026