If you have a score that gets you 6.25% 30 year fixed rate. How can the insurance company judge your rate on your credit scores. If you have a low score, you should not get a home loan.

I agree, Plus if you are paying the insurance directly with your mortgage and paying one year in full up front, what do they care? I had a client who qualified for a 30yr fixed 5.85% mortgage, but had a hell of a time getting insureance, it makes no sense.