How to Calculate Your Average Fannie Mae Credit Score

Use our calculator to estimate the new Fannie Mae credit score.

Credit applicationEquifax, TransUnion, and Experian are the three major credit reporting companies. Each firm collects credit data from a number of sources and sells it to subscribers. Credit agencies then utilize the information acquired to make a credit decision for a application. Each company is responsible for producing its own credit reports, since they do not share information.

Creditors are not compelled to provide credit information to the credit bureaus, which complicates the examination of an applicant's credit worthiness; and many creditors do not report to all three agencies, which explains why your credit score from each agency differs.

Due to the fact that each credit bureau's credit information is weighted differently in each kind of score model, what qualifies as an outstanding credit score for one bureau may not qualify for another.

There are three primary types of credit score models: FICO, VantageScore, and others.

The Federal National Mortgage Association is now averaging credit scores through their automated underwriting software. In past years, the lowest middle score was used by lenders and automated underwriting systems.

For example:
Borrower 1) Scores: 590, 605, 648 Middle Score: 605

Borrower 2) Scores: 661, 693, 693 Middle Score: 693

Under the previous calculation, the middle score of 605 was used in the underwriting/approval process.
But now the representative credit score is obtained by averaging the credit scores.

Here's a calculator that will average the credit scores:

  Experian Transunion Equifax Average Score
Borrower 1
Borrower 2
Average Credit Score    


In conclusion, by following the steps listed in this article, you can calculate your average Fannie Mae credit score. This information is important to have so you can be aware of where you stand and what you need to do to improve your score if necessary. Remember, the higher your credit score, the lower your interest rates will be on any loans you take out. So be sure to keep track of your score and work on improving it if needed. Thanks for reading!