What key factor does not typically influence borrowing costs from a bank?

The key factor that typically does not influence borrowing costs from a bank is the income level of the borrower. Borrowing costs, often represented through interest rates, are primarily determined by the perceived risk of lending to an individual or business. While a borrower's income may provide some context regarding their overall financial situation, it is not a direct metric used by banks to set interest rates.

Instead, banks closely examine the creditworthiness of a borrower, which is primarily assessed through credit scores and credit history. This includes a review of the borrower's previous loan repayment behaviors and overall debt levels, directly affecting the risk assessment and therefore the interest rate.

On the other hand, the number of outstanding loans and the remaining balance of existing loans can indicate the borrower's current financial obligations and ability to manage additional debt. These factors are more relevant to risk evaluation than income alone, which is typically considered a supporting factor. Thus, regardless of the borrower's income level, banks focus on creditworthiness and existing debt obligations when determining borrowing costs.