I’m not comparing the systems or saying it’s better, but you don’t need a credit rating to get a mortgage on a home in the US and are doing yourself a disservice repeating that talking point. If you don’t have a credit rating they’ll ask for other evidences you are able to pay off a 15-30 year loan like consistent and not missing payments on a phone, rent, utilities, internet, etc steady employment, bigger down payment. it’s called manual underwriting or a non traditional mortgage application.