Mortgage lenders examine your financial background to decide if you qualify for a home loan. What do mortgage lenders check includes credit score, income, debt, and employment status. What mortgage lenders look for is financial stability, low risk, and the ability to repay the mortgage consistently. What do mortgage brokers check involves reviewing your financial documents, including bank statements and tax returns, to match you with suitable lenders. What do mortgage lenders need is a full financial picture to assess your reliability as a borrower and ensure you can manage the loan without difficulty throughout its term.