What Makes a Strong Loan Application?

Whether you're working with a bank, private lender, or hard money lender, every lender seems to have a slightly different approval process.

From your experience, what factors make the biggest difference when reviewing a loan application?

Is it the borrower's experience, credit profile, liquidity, the deal itself, or something else?

I'd also love to hear from other lenders and mortgage professionals, what do you look for first when evaluating a loan request?