As a borrower, I've often wondered why lenders always seem to focus on the lowest credit score when evaluating loan applications. It turns out that this conservative approach helps lenders minimize risk by assessing a borrower's creditworthiness based on their weakest financial performance. By considering the lowest credit score, lenders can account for any financial setbacks or inconsistencies in a borrower's history. This practice ultimately ensures that lenders are more likely to approve loans for individuals who have demonstrated the ability to consistently manage their credit responsibly. So, while it may be frustrating for borrowers, it's a necessary precaution that benefits both parties in the long run.