Where else do you get mortgages?
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.
When I was like 7-9 I went on a “camping” trip with my football/soccer team.
Really, we were just putting up tents on the field we usually practiced at after some very tame river rafting.
It was the first time I was away from my parents. And I was inconsolable. I cried most of the night. To the point the supervisors offered to call my parents so I could talk to them. (And mobile phoning someone back then was not cheap),
In the end I just cried myself empty.
Because I was asleep so late, I slept into the morning and my “tent mates” pulled down the tent around me while I was sleeping.
So I woke up in drizzling rain, lying in my sleeping bag on a thin plastic sheet with no tent around me. While all my “friends” were in the club house having breakfast.
I did not stay in the soccer club long after that.