Which of the following is likely to impact a borrower’s ability to obtain a mortgage?

The borrower's credit score is a critical factor that significantly impacts their ability to obtain a mortgage. Lenders use credit scores to assess the risk associated with lending to a borrower. A higher credit score generally indicates a history of responsible borrowing and repayment, making it more likely that the borrower will be approved for a mortgage and possibly qualify for a lower interest rate. Conversely, a low credit score can lead to difficulties in securing a mortgage or could result in higher rates and less favorable terms.

Other aspects, such as the variety of loan options available, the location of the property, and the size of the mortgage agent's firm, do play roles in the mortgage process, but they do not directly reflect the borrower's ability to repay the loan. The credit score serves as a quantifiable measure of the borrower's financial responsibility, making it the most pivotal factor among the choices provided.