Miami, I don't think it matters. I have a Jewish friend who went there for undergrad. I can't say for sure, but I don't think they would have any way of knowing your religious affiliations. Neither the AMCAS app or their secondary has a section to include such information.
Baylor, I really don't know. When you get the secondary you can be the judge. As you will see though, it does say that all acceptances are conditional based on a favorable review of your credit history; you have to have a credit report sent to their office after you are accepted. The sec app goes on to say what is considered an acceptable credit history. Whatever the case, I don't think I'm going to spend the $95 to apply. I can see myself get all excited that I got in, make all the arrangements to move to DC, not to mention turn down other schools' offer, and then get a letter in the mail saying "We regret to inform you that we cannot offer you a place in our freshman due to the following reaon(s): instances of deliquency too high, debt to income ratio unsatisfactory, etc, etc.