Mortgages definitely use credit scores — they just don’t only use credit scores. Without that data point they would have a hard time evaluating if you’re a good borrower. They can independently evaluate if you could pay your mortgage but not that you actually will.

Scores are an input into the decision on what rate you pay and probably an input into underwriting, but they're not the sole input.

Car loans, though, I think are almost entire driven by scores.