740 or above usually will put you in top tier.
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Licensed in Maryland, Virginia and Washington, D.C.
Assisting Homebuyer's and Seller's for 28 years
Shop the local savings banks. Start with the bank you use. Sometimes that helps also. Ask if they sell the loan, or if they keep it before you apply. Don't pay points.
I'm a licensed lender and Realtor. Credit Scores of 740 or higher receive the most favorable terms with most of my lenders, but it depends on the program and the rest of the file. You may do just as well at 720 on some programs. I hope this helps. If you need additional information, feel free to write or call.