What credit score do I need for a jumbo loan in Washington?

Jumbo loan qualification in Washington typically requires a credit score of 700 or higher, though some lenders will go to 680 with stronger compensating factors like large reserves or low DTI. The higher the loan amount, the more a lender scrutinizes credit history. Consistent on-time payments, low revolving balances, and a clean 24-month history matter more in jumbo underwriting than in conventional underwriting.