The short answer is that it doesn't affect it too much. When looking for a mortgage or auto loan, credit score treats all inquiries made in any 14 day period as a single query.
Another point worth noting is that credit scores do not factor in inquiries for these types of loans if they have been made within 30 days of the credit score calculation. Therefore, if you find your mortgage or auto loan within 30 days, your credit scores which the lender uses to review your application will not be affected at all.
Hope this helps!
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