We probably live in different countries, but where I live it’s more like you can’t get pre-approved for anything unless you either have a large amount of money saved up, or your salary is high enough that it’s far beyond what you would reasonably need to get paid to afford the mortgage.
But if you just run it locally an a media server in your home, and you don’t expose the service to the internet, that doesn’t really matter? Though perhaps more people connect to their Jellyfin instances remotely than I realize.