which of the 5 cs is the most important 
each of the five cs has its own value and each should be considered important some lenders may carry more weight for categories than others based on prevailing circumstances character and capacity are often most important for determining whether a lender will extend credit banks utilizing debt to income dti ratios household income limits credit score minimums or other metrics will usually look at these two categories though the size of a down payment or collateral will help improve loan terms these two are often not the primary factors in how a lender determines whether to expend credit 