Lenders do consider more than your FICO score, and that's a fact.

 

Income, DTI, length of employment, years in your field, to name a few. If it's a bank, some will give you more consideration because you bank there and have a good history with them. I have two VISAs that I doubt I woulda gotten were it not for that I bank with one and have insurance with the other. Some lenders, AMEX and Cap 1 notably, blacklist and won't issue to you even IF you qualify.