# Credit check for C.U. & mortgage

**URL:** <https://community.clark.com/t/credit-check-for-c-u-mortgage/8439>\
**Category:** Uncategorized\
**Created:** [October 13, 2025, 11:59pm UTC](https://community.clark.com/t/credit-check-for-c-u-mortgage/8439 "2025-10-13T23:59:37Z")\
**Posts on this page:** 2\
**Page:** 1

<div class="post-metadata">

**Author:** ![Gsrocks](https://avatars.discourse-cdn.com/v4/letter/g/e79b87/32.png) [@Gsrocks](https://community.clark.com/u/Gsrocks)\
**Post date:** [October 13, 2025, 11:59pm UTC](https://community.clark.com/t/credit-check-for-c-u-mortgage/8439/1 "2025-10-13T23:59:37Z")

</div>

I have a construction loan open and need to do a regular mortgage when construction is complete….

I called the credit union to inquire about applying for a mortgage.

They say I have to join the CU to apply for a mortgage, and that requires a credit check. It is a separate credit check from the one associated with the mortgage app itself.

I’m curious whether that separate credit check, made about the same time as the mortgage application, would screw things up for the mortgage app. I have heard Clark say many times to not do any other hard inquiries within 6 months of a mortgage app, but I am not sure whether that would affect anything, being made at the same time….

---

<div class="post-metadata">

**Author:** ![p1g1](https://avatars.discourse-cdn.com/v4/letter/p/cab0a1/32.png) [@p1g1](https://community.clark.com/u/p1g1)\
**Post date:** [October 16, 2025, 7:13pm UTC](https://community.clark.com/t/credit-check-for-c-u-mortgage/8439/2 "2025-10-16T19:13:32Z")

</div>

I believe that the initial check by the credit union is a soft inquiry and should not affect your credit score. Check with your credit union.