Does 100 banks' credit information affect mortgage approval?

Baixing Credit Information System is a non-governmental credit information system, which is essentially different from the central bank credit information system, but there are also some connections between them.

Hundreds of banks mainly access some online lending companies or finance companies, and some private banks. If an individual has a bad credit record in the credit information of hundreds of banks, it may affect the mortgage, because the credit information access institutions or platforms of hundreds of banks may also access the credit information system of the central bank.

However, the main reference for mortgage approval is the central bank's credit information. If both the bank's credit information and the central bank's credit information are tainted, the mortgage application will fail.