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glowing ghostie!
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You might get some extra pull from an institution which you have a history of dealing with eg. you've had a bank account with XXX for years and years.

But IMO eveywhere is going to treat you the same: AS A RISK. Lending companies are not in the business of losing money. So you need to eliminate the risk with collateral. Most loans must be low/no risk for the banks to consider.

You might get a better deal at a credit union as opposed to a big bank. Credit unions like to sell the "personal touch", while banks are much less interested in the little fish.

Anyway, those are just opnions off the top of my head.
 
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