It depends on what type of loan you are looking for, and how much money you have. Each applicant has scores from 3 different credit bureaus, Equifax, Transunion, and Experian. Lenders are not looking for the average score. They take the score that is numerically in the middle of the 2 others for each applicant, and use the lower of those 2. So, let's say you have a 712, a 650, and a 627, your middle score is 650. If your spouse or partner has a 712, a 710, and a 627, their middle score would be a 710. Your score would be the one that determines what program you will be best in, or the add-on to your rate for a conventional loan. If you are planning on a low-down payment FHA loan, if you are below 620, you will be more limited to which bank you can use, however there is a very small adjustment for having any variation in credit score at all on FHA.