You get what you give. Don't become the monster. A real class act would just dangle it in front of them and then just approve it anyways. Like bitch I'm over it, I don't give a fuck. You're just a dumb ass speed bump.
I mean, technically you can contract a mortgage between any two legally able persons.
But I'd say a mortgage between private individuals is a rare exception.
Usually it is bank/credit unions, or corporations specializing in mortgages as their primary business. But I think you can lump most of those under the umbrella term. At least as far as their employees being able to just approve or deny you for personal reasons.
The person who runs these things is not the clerk. There is no implication that they were the clerk in the transaction. They could be, but that’s not implied at ALL. No matter how many worthless shitbags downvote the truth.