Unexpected problems in construction financing

At a savings bank that does not report a loan to Schufa, a poor Schufa score cannot lead to rejection, because this savings bank does not participate in the Schufa process at all.

And where do you get this "knowledge" from? Several mistakes at once...

Because some savings banks do not participate in the Schufa procedure for cost reasons and it does not make sense that one would like to see the credit reports of others while not making any reports oneself. Sorry, I am new here, where have I made one or more mistakes?

There are errors in the causal chain.

Just because a Sparkasse does not register mortgage loans does not mean that it does not obtain Schufa reports.

Just because Schufa reports are obtained does not mean that a poor Schufa score leads to a rejection.

Sparkassen mostly have their own procedures, independent of Schufa. And yet Schufa reports can and will be obtained, even if this is not a basis for a decision.

What you think makes no sense does not have to be the opinion of a bank. There are Sparkassen that only register certain types of loans, while others do not.

It is usually because some savings banks do not participate in the [Schufaverfahren], and consequently can neither access the [Schufa] nor report loans.
Your two exceptions prove the rule!

And now I will completely refute your argument and boldly claim that there can no longer be a [Sparkasse] in Germany that does not cooperate with [Schufa], because all banks that offer current accounts must be connected to [Schufa]. This probably includes all [Sparkassen].

You’re not serious, are you? How do you come up with that?