Is underwriting the same at different banks? 4 conventional loans

[Shawn M.]

Hello, I am applying for a single family owner occupied conventional loan at my local bank. However since I am an investor my income is from rental properties so gets whacked 75% right off the bat. 

I've been thinking of applying for a loan at two different banks incase one underwriter denies me? But i'm not sure if every bank underwrites the same way because of FHA rules. so there is no point. or can underwriting vary from bank to bank, in which case it makes sense to have a back-up bank.