Good credit is typically a golden ticket to hassle-free mortgage approvals. While it certainly improves your chances, it is not absolute. Most lenders with scores above 750 are shocked when their applications are rejected. That's because lenders look at a lot of other factors before giving the go-ahead — and some of them may trump your good credit history.

Income and repayment capacity

Even with a stellar credit score, if your income doesn’t support the loan amount you’ve applied for, the lender might reject your application. Banks calculate your debt-to-income ratio — how much of your income already goes toward EMIs. If it’s high, they may decide you’re overextended. A solid score shows good repayment habits, but affordability still comes first.

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