Is 620 a good credit score?

A 620 credit score sits in the middle of FICO's 'Fair' range (580–669) — still below average, but it crosses important lending thresholds, including the typical 620 floor for a conventional mortgage. You'll qualify for more, but not at the best rates.

Where 620 falls on the FICO scale

On the 300–850 FICO scale, 620 is squarely in the 'Fair' band (580–669) — below the U.S. average (mid-710s) but high enough to clear several important lending minimums that 580 does not.

What a 620 score qualifies for

Conventional mortgage — 620 is the traditional minimum for manually underwritten conventional loans (FHA still accepts lower).
Auto and personal loans — broadly approvable, though still in a higher-rate tier.
Mainstream credit cards — accessible, though premium rewards cards usually want higher scores.
Better terms than 580 — crossing 620 opens lenders and pricing tiers closed at the bottom of 'Fair.'

How to reach 'Good' (670+)

You're about 50 points from 'Good.' Keep utilization low, never miss a payment, avoid opening several new accounts at once, and let your accounts age. Crossing 670 shifts you from subprime to prime pricing on most products.

The numbers

580–669 is FICO's 'Fair' range; 620 sits in the middle of it. — myFICO
620 is the traditional minimum representative credit score for manually underwritten conventional loans. — Fannie Mae Selling Guide
The average U.S. FICO Score is in the mid-710s, so 620 is below average. — Experian

Key takeaways

620 is mid-'Fair' — below average but it clears the conventional-mortgage floor.
You'll qualify for most mainstream credit, just not at the best rates.
About 50 points from 'Good' (670+), where prime pricing begins.
Low utilization + perfect payment history are the fastest levers up.