100%   This is because the use of housing as a store of values means banks want a homogenised product that is easy to evaluate even if you are just a finance guy- 

Houses are  designed https://image.nostr.build/efe23c7f2bb1f7e0d76faa7080c2140ca824d75fe7598ddab25ce0765dc4aa77.jpg to be liked by this dude.