Does saving matter a lot when applying mortgage and loan ?

I want to transfer most of my saving into my wife’s personal account (not joint account) and keep only 10k under my name.

We would probably buy a house under joint title soon. And I would probably be the primary one to apply for mortgage as I have higher salary than her.

Just to ask if it matters if I keep only 10k in my personal account ? Or the bank only cares my credit score and gross income when considering my application ? I may also want to buy a car soon, does that matter for car loan too ?
also what if I put my money into a joint account whose primary owner is my wife ?

Does bank treat that account same as one under my name only?

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