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Do lenders have different adverse criteria for different types of credit?

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One for the brokers amongst us:

Do Mortgage Lenders "categorise" lines of credit a potential borrower has? Specifically in the case of adverse credit, lates, defaults etc.

IE does a lender view a previous late payment on a telephone bill as bad as a late payment on a mortgage/rent etc.

Ive been doing a bit of googling trying to get my head around general criteria for both the high-street lenders and the more specialist lenders and have noticed for those who give high-level outlines of their basic acceptability criteria online that some specifically mention about arrears/lates on mortgages or tenancy agreements but not "general" consumer credit, some mention all credit agreements and some even say telecomms are not included.

Any insight would be appreciated :)

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