In my opinion, it is dangerous to draw conclusions about responsibility from phone usage only. Even if the conclusions may be correct in 95% of all cases, what about the other five percent? To me, the imagination of a company that does not provide any or only superficial customer support which will not help me in case their algorithms do not match is creepy.

In this case it might not be a big deal because you might be able to find another loan provider but it might become one if this kind of automated scoring gets more common.