having never been turned down , the prime factors as i look back have been 1) consistent income supported by many years at few companies and 2) very low debt as a % of income.

Few companies demonstrated consistency, professional proficiency and stability. if you were loaning money to individuals these might be traits to consider

in my career, i have had 3 employers. All were the largest in their field. The shortest time was 3.9 yrs in US Army and the longest 25 yrs over a 44 yr career.

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