Which is NOT a typical characteristic of seasoning an account for mortgage lending?

Seasoning an account for mortgage lending refers to the evaluation of a borrower's bank statements to establish financial stability and reliability over a specific period. When lenders review an account, they look for certain characteristics that indicate sound money management and the ability to handle mortgage payments.

Regular deposits over time are key to demonstrating that the borrower has a consistent inflow of funds that can support their mortgage obligations. Similarly, proof of consistent income flow is essential because it assures the lender that the borrower has reliable income to cover future payments. The absence of overdraft occurrences signifies responsible account management and contributes to the lender's assessment of the borrower’s ability to maintain financial discipline.

In contrast, a high frequency of large withdrawals is not characteristic of a well-seasoned account. Such activity might raise concerns regarding financial stability and suggest that the borrower could be managing their finances poorly, potentially impacting their ability to make consistent mortgage payments. Therefore, this characteristic does not align with what lenders typically look for in accounts that are seasoned for mortgage lending.