Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

Mortgage lenders have long used FICO 2, 4 and 5 Scores to determine borrower eligibility. Now, new scoring models could make it easier for people with limited credit histories or certain types of debt ...