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To answer my own question and maybe help someone in the future. I just applied at a small bank here is TX that specializes in HI loans for swimming pools and they used FICO 8 scores, not mortgage scores, which surprised me becuase it is essentially a second lein.
@smackmaster wrote:To answer my own question and maybe help someone in the future. I just applied at a small bank here is TX that specializes in HI loans for swimming pools and they used FICO 8 scores, not mortgage scores, which surprised me becuase it is essentially a second lein.
It's a YMMV situation; mortgage scores are explicitly dictated, but home improvement loans are likely all portfolioed and as such the lenders can and do make their own UW choice of scores.