What is a high credit score?

Anything above 680 is considered a high credit score. 679 to 620 are considered good scores and within Fannie Mae/Freddie Mac quidelines for a conventional rate. 619 to 615--"certain" lenders may still consider your credit good but in order to get a conventional rate you may have to pay anywhere's up to a point to get that good rate. Or with other lenders 620 is the cutoff and anything under won't be considered as A paper. If that is the case, 619 and under is considered a sub-prime loan and will need a different type of lender.