Which factor is typically NOT considered when determining loan worthiness?

When evaluating loan worthiness, lenders typically assess factors that indicate a borrower's ability to repay the loan. This assessment includes a variety of financial indicators, such as credit rating, assets, and the debt-to-income ratio.

Credit rating reflects a borrower’s credit history and reliability in repaying debts, while assets denote tangible resources that can be used to secure financing or demonstrate financial stability. The debt-to-income ratio is a critical metric as it compares a borrower's total monthly debt payments to their gross monthly income, providing insight into their financial obligations relative to their earning capacity.

In contrast, age is not considered a relevant factor in determining loan worthiness. While age might have implications for certain financial products or services, it does not directly influence a borrower's financial stability or ability to repay a loan. Thus, it is not a criterion that lenders focus on when deciding to grant a loan.