Bold of you to assume the same rules apply to you and him. It's not even the same group of people evaluating your loan vs. his. Then they're going to evaluate his differently. Nobody's going to get promoted for landing your deal, but someone very well might for landing his. Yes, they'll look into his finances some, but they couldn't possibly probe every nook and cranny of such a large and complex empire where the dirty bits might be hidden. With greed nipping at their heels, they'll quickly convince themselves it's good enough. In short, not the same process or standards at all.
