Mable Loans

What's the Best Mortgage for a 740 Credit Score?

Short answer

With a 740 credit score, the best mortgage today is FHA at both 5% and 10% down. Over 10 years it costs less by about $10,101 with 5% down, $6,449 with 10% down.

Today’s rates · Rates as of September 25, 2026

Compare, priced today

FHA vs conventional at a 740 credit score

How we stack up

Lower rates than Zillow and Rocket

Rates up to

1%

lower

Save up to

$22,100*

over 10 years

FHA
Mable6.500%
Zillow7.500%
Rocket6.875%
Up to 1% lowerSave up to $22,100
VA
Mable6.625%
Zillow7.125%
Rocket6.990%
Up to 0.5% lowerSave up to $11,000
Conventional
Mable7.375%
Zillow7.750%
Rocket7.500%
Up to 0.375% lowerSave up to $8,400
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Best mortgage by credit score and down payment

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* Comparison uses rates published on each lender’s website as of September 25, 2026 at 1:41 PM ET, for each lender’s own sample loan: Zillow Home Loans, $275,000 loan, 20% down, 740+ credit score, primary residence; Rocket Mortgage, $350,000 loan, 20% down, 740 credit score, single-family primary residence. 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.