Which factor is typically NOT considered when evaluating a borrower’s eligibility for a mortgage?

The age of the borrower is typically not considered a relevant factor when evaluating eligibility for a mortgage. Instead, lenders focus on aspects that directly influence a borrower's ability to repay a loan. Credit score provides insight into a borrower's creditworthiness and past financial behavior. Employment history demonstrates a borrower's stability and capacity to generate income consistently. The debt-to-income ratio assesses the borrower's current financial obligations against their income to gauge their ability to manage additional debt responsibly. While age may play a role in other contexts, such as determining eligibility for certain loan products or rates, it does not have a direct impact on the fundamental evaluation of a borrower's suitability for a mortgage loan.