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Your general credit score together with your internal banking score will determine your risk rating for the bank.
Your general credit score will be affected by your payment profile and when you have regular late payments, your score will be affected negatively.
What is a ‘Mortgage Originator’
A mortgage originator is an institution or individual that works with a borrower to complete a mortgage transaction. It can be either a mortgage broker or a mortgage banker and is the original mortgage lender. Mortgage originators are part of the primary mortgage market and must work with underwriters and loan processors from the application date until closing to gather necessary documentation and guide the file through the approval process.