Residential Address Affect Average Credit Scores
Sometimes even the location where you are affect your credit scores because stats or even loan companies get the Average Credit Scores. That is why they ask for home addresses. Sometimes the location can tell whether you have a high income or a low income. So location matters. It may be unfair to some but it can be beneficial to others.
Like the credit card company where I worked for before gave out cards but the credit limit depended on what rank you have. So they got the average salaries per rank and that is how they established the credit limit. Of course, you can always ask for a higher credit limit.