Most Americans have credit scores that are too low for them to qualify for the best rates on a mortgage, and nearly one in three are unlikely to get a loan on any terms, according to an analysis by Zillow.

Zillow analyzed 25,000 loan quotes and requests on the Zillow Mortgage Marketplace during the first half of September, and found borrowers were unlikely to receive even one loan quote if they had a credit score of below 620 — even if they offered to make large downpayments of 15 to 25 percent.

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