When assessing your credit and finances, mortgage lenders check several key factors. What mortgage lenders look for includes your credit score, income, employment history, and debt-to-income ratio. They also examine your savings and existing debts. What do mortgage lenders need typically involves documents like bank statements, pay stubs, and tax returns to verify your financial stability. What do mortgage brokers check mirrors this, ensuring you meet lending criteria. Lenders use this information to evaluate your ability to repay the loan, determine the risk, and set the loan terms that are appropriate for your financial situation.