Which of the following is not considered by lenders when evaluating criteria for a loan?

Lenders focus on specific financial and credit criteria to evaluate a borrower's eligibility for a loan. Borrowers' gender does not play a role in the decision-making process because it is not a relevant factor in assessing creditworthiness or the ability to repay a loan. Ethical lending practices and regulations prohibit discrimination based on gender and other personal characteristics, ensuring that the evaluation is based solely on financial metrics like credit history, income, and existing payment obligations.

In contrast, a borrower’s credit history is critical as it provides insights into their past borrowing behavior and repayment patterns. The monthly housing expense versus income ratio and the total payment obligations versus income ratio are also key factors, as they help lenders determine the borrower's capacity to manage new debt along with existing financial commitments. By focusing on these financial indicators, lenders aim to assess risk effectively and ensure fair lending practices.