I was in the same boat. Banks are lazy and often won’t underwrite custom loans that fall outside their automatic software, but there are still some who will.

If you don’t have a score (which I’m convinced some mortgage people think means a bad score, because they’re fucking idiots who can’t listen), you can ask to speak to someone in charge or go elsewhere, but there are lenders who will work with you. Got ours through USDA, which took longer and was custom underwriting, but still got the terms about two weeks later.