I've learned several important things via your post.
I might also like to convey that there might be situation in which you will
apply for a loan and never need a cosigner such as a U.S.
Student Support Loan. However, if you are getting that loan through a common financial institution then you need to be ready to have a cosigner ready to assist you.
The lenders can base their own decision using a few
variables but the biggest will be your credit standing.
There are some loan merchants that will also look at your
work history and make a decision based on that but in many cases it will be based on on your scores.