It's the same everywhere. If you're a "standard issue" employee with a steady income and a good credit record, you'll get a mortgage (10 years fixed interest rate) for reasonable conditions. Especially with your house as a safety. Even better if you're state employed. Self-employed is a real issue. Even if you have 50 employees and turn over a million each year, banks are going to add a premium to cover their risks. A sketchy setup like FranLab doesn't stand a chance, unless you're desperate and ready to accept completely unreasonable conditions. Hasn't gotten easier after the Lehman Brothers defaulted.
I can remeber getting our first place. We were DINKY (Double Income No Kids), both with professional jobs. Every bank said they would loan us over $1M no questions asked (that was huge back then), no haggling or anal probing.
Forward to the Youtube era when we refinanced and practically owned our home, just wanted an 80% line of credit. None of the main banks would touch a "self employed" person, had to go to a smaller place through a broker and get analy probed. Credit card with a $20,000 limit even though we had a 20 year track record of paying it off in full every month, nope, that will stop you getting the loan, drop it to $10k limit and we can talk. No amount of cash in the bank or savings history mattered, they simply assumed you were going blow it all on Lambo's.
At the same time DINKY relatives with normal jobs were handed money like candy.
Self employed sucks, and I can testify that the income coming from Patreon donations matters a lot. In fact I'm sure Fran is right when she says they class her as unemployed.