My personal observation has been that mortgage scores (FICO5 I think) are much more sensitive to derogatories than FICO8. That is, late payments and such will hurt you more and for longer than with FICO8.
My FICO5s tend to be a 30-40 points lower than my FICO8s. The only util-related data point I've seen is that when the number of accounts with a 0 balance is higher, so is my score. That is, I can have 3 cards report $50 balances and lose 20 points, then pay those to 0 and see those 20 points come back. In both cases my overall utilization remained around 1% for revolving and ~80% for installment.
I need to raise my mortgage scores asap. My fico 8 scores are fine, just need to get the mortgage scores up. Do mortgage scores go up like fico 8 scores do by lowering cc util, getting collections deleted, etc?
Yes, mortgage scores will go up by lowering cc balances & getting collection accounts deletd.