The three C's.They do what's called "manual underwriting". It's where a human actually looks at a person's financial resources and net worth, etc., and makes an informed decision rather than basing it on a credit score. Funny thing is, those kinds of underwriters have FAR fewer non-performing loans than the "punch in the numbers" folks do, because they actually LOOK at someone's credit worthiness.
Software can only evaluate two of them.