Which of the following can be a result of a borrower's poor credit score when applying for a mortgage?

A borrower's poor credit score significantly impacts their mortgage application, primarily leading to increased chances of loan denial. Lenders assess credit scores as a key indicator of a borrower's financial reliability and ability to repay the loan. Lower credit scores suggest a higher risk to lenders, making them more cautious in extending credit.

As a result, lenders may choose to deny the application outright or limit the options available to the borrower. This reality reflects the risk assessment processes that lenders use to protect their investments, as borrowers with poor credit histories are statistically more likely to default on their loans.

In contrast, the other outcomes associated with poor credit scores, such as higher approval likelihood, lower interest rates, and better negotiation power, are not applicable in this context. A poor credit score does not support favorable lending conditions, thus reinforcing why loan denial is a likely outcome.