Mable Loans

What's the Best Mortgage for a 680 Credit Score?

Short answer

With a 680 credit score, the best mortgage today is FHA at both 5% and 10% down. Over 10 years it costs less by about $25,553 with 5% down, $17,534 with 10% down.

Today’s rates · Rates as of October 15, 2026

Compare, priced today

FHA vs conventional at a 680 credit score

How we stack up

Lower rates than Zillow and Rocket

Rates up to

0.626%

lower

Save up to

$13,700*

over 10 years

FHASave up to $13,700

Mable

6.499%

Zillow

7.125%

Rocket

6.990%

Up to 0.626% lower rate

VASave up to $6,700

Mable

6.750%

Zillow

7.000%

Rocket

6.990%

Up to 0.25% lower rate

ConventionalSave up to $10,700

Mable

7.250%

Zillow

7.490%

Rocket

7.625%

Up to 0.375% lower rate

See your custom rate

The Mable way

No haggle. No hassle.

Great rates, right up front, for every customer.

  • Our best rate from the start

    No negotiating and no games. The rate we show you is the rate we honor.

  • A real person answers

    Call or text and you'll hear back fast, all the way to closing.

  • No late surprises

    We check your credit and documents before we pre-approve you.

Keep comparing

Best mortgage by credit score and down payment

By down payment

Get your custom quote in 60 seconds

Today’s rates, priced for your scenario.

  • Just a few questions
  • Instant, automated pricing
  • No hard credit pull
See my rate Or call (571) 396-5719

* Comparison uses rates published on each lender’s website, for each lender’s own sample loan: Zillow Home Loans, $275,000 loan, 20% down, 740+ credit score, primary residence, as of October 15, 2026 at 2:00 PM ET; Rocket Mortgage, $350,000 loan, 20% down, 740 credit score, single-family primary residence, as of October 6, 2026 at 2:00 PM ET. Mable’s rate is the lowest rate from our pricing of those same sample loans (same loan amount, down payment and credit score, at no more discount points than the lender it was priced against). Savings over 10 years are the difference in monthly principal and interest on each lender’s sample loan amount, times 120 months. Published rates change often and may include assumptions we can’t verify. Your rate depends on your credit, property, loan amount and other factors. This is not a loan offer or a commitment to lend. Zillow Home Loans and Rocket Mortgage are trademarks of their respective owners and are not affiliated with Mable Loans.