Regarding the mortgage thing, I had the same feeling as you, but how it works is that mortgages are cheaper if you buy them with private insurance (income protection, life insurance).
For example: Nordea (a bank) and “If” (an insurance company) have a close partnership offering discounts for each others services when buying an apartment or house. Based on the information If gives backs to Nordea there can be greater discounts on mortgages; this worked in my favour previously and I got a 1.34% mortgage when the list price for 3y fixed was 2.1%.
It could be expanded further to say that if “If” considers me too high risk from various factors regarding my health that they would not even offer me health insurance at all, then the bank could use as justification itself that I am high risk and not extend a loan offer.
Mortgages and insurances do profile based on this criteria.
Insurances more so (and more publicly[0]) than mortgages.
I was told that it can affect my health insurance, my mortgage and that I can't hold certain licenses (Pilot, HGV).
There are some direct consequences to being diagnosed and some indirect ones; and they warn that once the process of getting diagnosed starts; it cannot be stopped.
So, of course, I didn't seek a diagnosis- despite having many ADHD markers.