As a rule, mortgage lenders utilize the FICO score for calculating the mortgage terms for individuals. FICO is an acronym for a data analytics company Fair Isaac Corporation, which covers over 90% of lending decisions in the USA. Another option is the Vantage Score – a leveraged data analytics provider making credit more accessible to people invisible to the traditional lending market. FICO scores 2, 4, and 5 are used in mortgage loan decision-making.