Which factor is NOT typically included in a Loan Estimate?

The factor that is not typically included in a Loan Estimate is the borrower's employment history. A Loan Estimate is a standardized document that lenders are required to provide to consumers within three business days of receiving a loan application. Its primary purpose is to inform borrowers about key loan details, including the expected closing costs, the estimated interest rate, and the loan amount.

While a borrower's employment history may play a role in the overall loan approval process, it is not a detail that is disclosed in the Loan Estimate itself. The Loan Estimate focuses specifically on the financial terms and conditions of the loan, allowing borrowers to better understand their prospective mortgage's costs and implications. This information is crucial for consumers as they compare different loan offers from various lenders.