Scores a just one aspect in underwriting. Income, housing status, current credit lines and their amounts, DTI and your overall credit file are all looked at. If you app online, you can be denied for a number reasons, and scores is usually not one of them (at least the denials are not usually worded this way). Some of the more common denial reasons are:
Does anyone know of any banks that look solely at score and not information? I have fairly decent scores, but my credit profile isn't too great.