Some lenders still do "manual underwriting" for mortgages. So instead of blindly trusting your credit score as the measure of your ability to repay a loan, a h

Some lenders still do "manual underwriting" for mortgages. So instead of blindly trusting your credit score as the measure of your ability to repay a loan, a human looks at your situation - income, other debts, etc, and makes a judgement call. It's more paperwork and slower, but it definitely exists.