Average Credit Scores by State

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Average Credit Scores by State

Credit reporting company Experian compiles averages credit scores for states from a sample of three million credit profiles, with scores range on a scale of 330 to 830.

Minnesota's average score of 718 tops Experian's most recent list. The U.S. average is 687, with southern states typically reporting lower scores.

Similarly, Mortgage Marvel, a mortgage-shopping website, analyzed more than 330,000 mortgage applications received in 2011 to compute average FICO scores. The mortgage-shopping website's data shows applicants' credit scores declined in most states last year.

California (754), Oregon (750) and Wisconsin (749) led the country with the highest Mortgage Marvel average FICO scores, based on a scale of 300 to 850.

It should be noted that neither credit agency's reporting sample is representative of an entire population.

Click a state in the map below to view average credit scores for each state:

Experian Average Credit Scores
Click a state to display averages:

Average Credit Score


Lower	Higher

The following 10 states topped this list of average Experian credit scores:

STATE	Experian Average (330-830)	2011 Mortgage Marvel Score (300 to 850)	2010 Mortgage Marvel Score (300 to 850)
Minnesota	718	739	745
North Dakota	715	711	723
South Dakota	714	739	742
Vermont	712	740	744
New Hampshire	711	741	744
Massachusetts	710	740	744
Montana	709	726	741
Iowa	708	725	733
Nebraska	708	724	723
Wisconsin	707	749	747

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Contact: Mike Maciag, mmaciag@governing.com

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