10 reasons lender can reject your home loan application; expert says having this much income can be one of them

When you apply for a loan, the lender makes two primary checks: your credit history and score and your income. If either of these doesnt meet the lenders minimum requirements, then the loan application will not move forward. Most banks will lend only if your score is above a certain threshold. So long as that criterion is met, your application will not be rejected.