Sorry about the double post...

 

Back to the example:

            Husband has the following scores ==> 723     698     731     Score used is 723

            Wife has the following ==>                    802     805     798     Score used is 802

 

Most A paper lenders will then take the lower of the 2 middle scores... in this case 723.

 

There are, however, programs (usually subprime) that will use the score of the Primary Borrower (Earns over 50% of the income) and some that use the higher of the 2 scores regardless of income.