This depends on three factors: 1) loan program 2) credit score and 3) loan as a percentage of value.
For "government" loan programs (FHA, VA, USDA) 720 is the credit score at which you get the best interest rate. The loan as a percentage of value is not critical.
For conventional loans (Fannie Mae, Freddie Mac) the minimum credit score for the best rate is 740 with a down payment of 25%.
Finally, for jumbo loans, usually rates will be best above a 780 with 25% down.
Hope this helps!
LPO Manager | Evolve Bank & Trust
11605 Haynes Bridge Road Suite 125| Alpharetta, GA 30009
678.468.5626 x110 | fax 678.935.1156 | cell 678.467.9959