Yes, I have been on both sides of the fence. My experience is that the larger the bank the more they are number based. A smaller community bank or credit union knows more about YOU, your situation, and your reputation. One difference being, your local lender may charge a bit more. IMO, it is worth it's weight in gold. Several years ago, I went through a divorce, many banks would not lend me money for a new car because of DTI including child support obligations. One long time banking Officer did. I was forever greatful and paid the loan off four months early and every payment a week ahead to make him look good to the Board of Directors. The favor, priceless.