Which of the following is likely to be assessed when determining a borrower's creditworthiness?

When assessing a borrower's creditworthiness, the debt-to-income ratio is one of the key factors evaluated. This ratio helps lenders understand how much of a borrower's monthly income is allocated to servicing debt compared to their total income. A lower debt-to-income ratio typically indicates that the borrower has a better financial standing, as they have a smaller portion of their income going towards debt obligations. This can suggest that they are more likely to manage additional debt responsibly, such as a mortgage payment.

In contrast, while other factors like age, preferred loan provider, and type of home might influence lending decisions in some contexts, they do not directly provide a clear indication of a borrower’s ability to repay a loan. Age does not necessarily correlate with creditworthiness, as it does not reflect financial behavior or stability. The preferred loan provider might affect the availability of loan products but doesn’t impact the assessment of how likely a borrower is to repay a loan. The type of home can influence loan terms but again doesn't provide insight into a borrower's financial management or income relative to debt. Thus, focusing on the debt-to-income ratio is crucial for determining a borrower's creditworthiness.