A lot of it is about assessing the character of the individual borrower.

In addition, both business and individual borrowers may find it harder to obtain loans.

You have a choice of several repayment plans that are designed to meet the different needs of individual borrowers.

A bank, for example, will often hire a private investigator when a large individual borrower has fallen behind on loan payments.

A substantial expansion of the law in 1989 allowed officials and advocacy groups to look for patterns of discrimination against individual borrowers.

While the agency has offered similar assistance to individual borrowers in the past, it has never done so on such a scale, officials said.

Also, the law would allow banks and other finance agencies to issue mortgage-backed securities that offset the risk of lending money to individual borrowers.

There hasn't been much lending to individual borrowers.

These factors might be characteristics of the individual borrower, like the borrower's credit score or employment status.

In addition, commercial mortgages are typically taken on by businesses instead of individual borrowers.