Which of the following would be most likely to lower the interest rate that a bank offers a borrower?

A.

The number of savers depositing funds at the bank is low.

B.

The expected inflation rate is expected to be high.

C.

The number of borrowers seeking funds is high.

D.

The borrower is judged to have a low degree of risk.

E.

The investment will be for a long period of time.