My guess is that the bank may start with the credit score, and if its below a threshold the bank is willing to lend to, then they don’t look any further. Unless you have a truly egregious credit history, you’ll likely find other lenders more interested in your business.

Most companies don’t want every customer. There are those that only want the safest customers because they have the lowest risk, and that may mean you might get declined even if you would otherwise have the means to service the debt.