DTI (debt to income) ratio is probably the most important factor in securing a mortgage loan. However, income is not considered in credit scores and thus neither could DTI be considered in scoring.
Revolving credit card utilization on an individual card basis and in aggregate are factors in Fico scoring. Aggregate utilization has the greater influence.
Another factor in scoring is aggregate debt to loan ratio on open loans. This is basically the sum of all installment loan balances (mortgage, car, student, personal and home equity) divided by the sum of the original loan amounts.
Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
