Every single mortgage company and bank pulls the same mortgage FICO scoring model. FICO® Score 2 (Experian) FICO® Score 5 (Equifax) FICO® Score 4 (TransUnion) ✋️Most of the time you are probably looking at your FICO 8 score which is the most widely used, but not by lenders. ✋️This causes a lot of confusion when a client just looked at their credit score online then goes to get pre-approved and it's lower. ✋️The mortgage credit pull didn't affect your credit score, you are simply comparing it to