The FCRA is federal law, and makes no distinction in its exclusion provisions that is based on the type of credit the inquiree is providing.
The exclusion provisions of FCRA 605(a) apply to all (except for federal student loans), with the only exemption from credit report exclusion being for the reasons set forth in FCRA 605(b), which provides:
"FCRA 605(b) Exempted cases The provisions of paragraphs (1) through (5) of sub-section (a) of this section are not applicable in the case of any consumer credit report to be used in connection with
- (1) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of $150,000 or more;
- (2) the underwriting of life insurance involving, or which may reason-ably be expected to involve, a face amount of $150,000 or more; or
- (3) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal $75,000, or more."
If a mortgage loan is in an amount of $150K or more, then the creditor can request and receive a full factual credit report that includes any and all derogs that are normally excluded. They need only certify that their inquiry involves a reqested loan in the amount of $150K or more.
However, anecdotal posts here in the forum indicate that creditors rarely order such reports, and instead usually limit themselves to requring the consumer to list only unpaid, delinquent debt in their loan application.
