🏦 What Lenders Actually Look At When Approving a Mortgage (Hint: It’s Not Your Credit Score) 🔍

Bill Rapp - Commercial & Residential Mortgage Broker

Published on: 05/03/2026

What Lenders Actually Look At (It’s Not What You Think) Many borrowers assume mortgage approval comes down to three simple numbers: credit score, income, and the interest rate. But that’s not how lenders actually make decisions.