Trying to get approved for a mortagage through quicken loans

I applied with a local lender back in May and was told I didn't have enough tradelines. I have 1 in good standing that's 5 years old and another that in good standing but has only been open for a few months.
I decided to try quicken loans and they said my credit was good enough that the tradelines even matter. They gave me a middle score of 674. I couldn't get a pre approval because my down payment wasn't in the bank. I've put the money in and waiting for it to season. My question is do u think I can really get approved without 3 tradelines through quicken?

Rev, my experience with Quicken is different than your experience. They have many overlays - so a deal that can be done easily by one of the mortgage bankers is a hardship for Quicken because it doesn't fit into their system. The OP gave a good example. They wouldn't even take their app because the funds weren't sitting in the OP's account. Many mortgage bankers will take the application as long as you can show a valid savings plan to have enough funds to close (down payment and closing costs). It is better that the OP have the funds in hand. It does make it one less item to clear. As to the number of tradelines - I know that one tradeline is difficult. OP do you have student loans or vehicle loans? All you have is one cc reporting on your CR?

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