What bank loans decision based on

Bank decide whether or not lending to you for the main consideration in the following areas:
Bank credit policy: a bank willing to give the crowd the type of loan. For example, some banks are willing to give students credit card payment, some banks do not want to. Bank lending policy by the Bank's own ability to manage its market position, and other factors.

The borrower's basic situation: the nature of the borrower's living situation, financial situation, and so on;
The borrower's credit: the borrower's current debt level;Whether had credit history that not repay after debt and so on.
As a result, your credit report only one of references to help the bank make credit decisions,not the only basis.