They can pull your credit as many times as they need to in order to get you the best loan terms possible. So if you're worried about your credit score taking a hit, don't be. Mortgage companies are very good at what they do and they know how to get you the best loan terms without damaging your credit score. So if you're shopping for a mortgage, don't be afraid to let the mortgage company pull your credit. They'll only do it as many times as necessary to get you the best loan possible.