A consumer with the best credit rating who therefore is deserving of the lowest prices that lenders offer. A credit is defined differently by different lending institutions, but you can expect anyone with a 720 or above to be in the A-credit category. Once you exceed the 720 or so threshold there is little advantage-i.e you typically won't get a lower rate with an 800 than you would with a 720. 

Bankapedia's Take

 Oh how times have changed. A few yrs back,2005ish and before, if you had a 720 FICO it didn't matter what you did, how much you made, or how much you spent, you got a mortgage. The bank just naturally assumed since you had been responsible in the past you would remain so in the future.

Countrywide's famous, now infamous, "fast and easy" loan allowed anyone with a 720 and a 20%(and often times much less) down payment to get a loan without showing any paperwork, and not even having to "state" it. We all know how this worked out for them.

You will find that many of yesterdays A borrowers, have foreclosed, filed bankruptcy, or just no longer have good credit. What many of today's A-borrowers are finding, is that banks have learned their lessons and that just because you pay your billls on time currently, doesnt mean that unforseen circumstances(like the bottoming out of a market) can completely change that. However, you will always get better terms with good credit than without. So eat your vegetables and pay your bills on time.