Credit score of 770 is nowhere near the “danger zone” to get the best mortgage rates. The more equity one has the lower the credit score can be and you still get the best pricing.
In 20 years, I have never seen anyone with an 848 mortgage score.
I don’t doubt that you are seeing that with the free score from Amex or Chase, but it’s probably not your mortgage score.
Credit scores are pretty much meaningless except when you’re apply for credit or a mortgage. Scores can vary with huge ranges
for various reasons
