Have you ever received a report regarding your current credit score from your bank, or service, such as Credit Karma, only to find that when a mortgage lender pulls your credit, it is completely different, and usually a lot lower?  Don’t worry. Your lender is not trying to pull one over on you. The credit scoring model mortgage lenders are required to use are weighted completely different than a consumer credit pull. The mortgage lending scoring model weights past housing debt and installment loans higher than other debt. They do this because a borrower’s track record in paying back large debts is important in determining if they feel comfortable lending you the large amount of funds needed for your mortgage.