To get a mortgage with low interest, your score should be higher than 680. But the score is not the only thing the lenders will look at; they will scrutinize your whole credit history and see whether you always pay your bills on time, how many types of credit you have, how much you owe on your accounts, etc. You should check your own credit report several months before applying for a mortgage. In case there are any errors on the report, you can call the credit agencies and try to clear them up.

Auto finance is what I do for a living and these are the factors that affect car loans;

1. LTV (loan to value)
2. Term.
3. Age of vehicle
4. Miles on vehicle
5. Down payment
6. Time on job
7. Time at residence
8. Monthly income before taxes
9. Credit score/profile
10. Total debt to income ratio

As far as score based on the largest credit union in Oklahoma the breakdown is as follows;

Elite 740 & up
Prime 700-739
Preferred 650-699
Standard 625-659
Sub-prime 624 & under

Mortgages follow the basic same guidelines.

With the current slowness in the new car market almost anyone can get a car loan. Your credit score will affect the interest rate you qualify for. Of course you need to show income. Mortgages are more complicated and there are now legal limits on some of your ratios.

FICO score is only one factor. Income and other debt are just as important.