The small increase is notable because it suggests that banks are getting better at handling new layers of federal regulation and required loan standards. (themortgagereports.com)
Different lenders have different loan standards, so while one lender may reject you with a credit score of 640, another could give you a loan approval. (realtor.com)
I honestly don't believe lending clubs loan standards are very thorough or up to what banks require. (goodfinancialcents.com)