How many points lost on Credit Score

[Anonymous]

How many points are lost on your credit score when applying for a mortgage. Although I know I will get denied a mortgage at this time ( becasue 2 year bk anniversary isn't until Sept) I would like to start the process and see what a mortage broker will see on my report... 

Is this worth the score drop?

I have pulled my score twice this year. 

[Anonymous]

My FICO 8 dropped like 5 points. If you know you're gonna get denied, just pull it yourself and see what the score is and go to annualcredit.com and get your full reports there as well.

[DallasLoanGuy]

3 - 5 points is typical in my experience.

[Anonymous]

Mine reports were pulled 2 times the beginning of May by different mortgage brokers & I never lost any points at all.

[Revelate]

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@Anonymous wrote:

Mine reports were pulled 2 times the beginning of May by different mortgage brokers & I never lost any points at all.

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Grace period of 30 days for any mortgage inquiry.

Inquiries aren't counted linearly, you may have been lucky they weren't scored additionally, and your second one would've been de-duped.

I.e. from my abortive refinance from May 3rd, I took a 4 point drop on TU 08 anyway on Jun 3rd, and lost points on EQ FICO 8 and FICO 9 similarly, but not EQ FICO 5 which is one of the mortgage trifecta.

If you're playing in the middle tiers, I personally would rather spend the $60 at MF than take a penalty potentially, not worth falling out of a tier just to see where you are as that's way way more expensive... same theory as having insurance for anything really.