Everyone that's reported including my own at least on all the standard mortgage types including jumbos too.
My LO did a double-take when he asked me how my credit was, I told him my mid score was 725, and guess what came back when they pulled my credit 
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You will VERY occasionally find a portfolio lender which uses something non-standard, but they're so limited in scope the odds of someone stumbling over them without substantial effort is unlikely. The secondary mortgage markets all operate on the same scores for their evaluations, and until the GSE's move, it's unlikely anyone else will either... and at that point it'll probably be a line in the sand and everyone will switch virtually overnight in market terms when these things usually take years.
OP, I have removed your duplicate thread from the mortgage forum. Please refrain from cross posting the same topic in multi forums. Thanks for your understanding.
