Which of the following is a factor that typically influences mortgage interest rates?

Mortgage interest rates are influenced by several factors, and one significant factor is the borrower’s credit score. Lenders assess a borrower's credit score to determine the level of risk associated with lending money. A higher credit score typically indicates a borrower’s reliability in repaying debts, which can lead to a lower interest rate. Conversely, a lower credit score suggests higher risk, often resulting in higher interest rates to compensate lenders for that risk.

While builder reputation, supply and demand, and property type can influence aspects of the mortgage process or housing market, they do not directly affect the interest rates offered on mortgages. Builder reputation may impact the resale value or desirability of a property, the comedy of supply and demand affects housing prices more so than interest rates, and property type influences loan conditions but not the base interest rate related to the borrower's financial profile. Therefore, the credit score stands out as a primary determinant for mortgage interest rates, making it the correct choice.