Another 100% approval - Scores 520, 563, 567

Here we go again. I just finished closing one of my other 100% purchase loans yesterday. The median score for that loan was 580, so this was no big deal anyone can do that right? Well today, the scores for my new client are 520, 563, and 567. Most lenders will use the median score. However, I haven't seen anyone get an approval for a 100% loan with a median score of 563 in a long time. My source is solid, so I know will close this one shortly. Additionally, the buyer of the property I closed yesterday didn't have to pay a dime in closing costs. He even got $2,000 dollars back at closing for the earnest money deposit, appraisal and insurance he paid out of his pocket.