Eh not so much “how they are able to”. At least as far as I know. But the banks have much more stringent regulations and verifications and aren’t just rubber-s

Eh not so much “how they are able to”. At least as far as I know. But the banks have much more stringent regulations and verifications and aren’t just rubber-stamping loans anymore like they did before 2008. The rubber-stamping stuff has moved to crypto and stock exchanges.