A 850 credit score means nothing by itself. Its not really just what your credit score is. Its what your debt is, your credit score and how much you make.
So for example you make 15k a year with a 850 credit score you can walk in a bank asking for a 300k mortgage loan and they will throw you out the bank.
You make 80k got a 850k credit score but got 4000k in debt with multiple loans and asking for a 300k mortgage loan its a good chance the bank gonna decline you.
Now let you make 120k have no debt and a 720 credit score that same bank gonna break they fukking neck trying to give you that 300k mortgage loan.