“Your credit score and income aren’t the only things that lenders factor into your loan. So if they ask for a cosigner, it could be for several reasons.
Essentially, they perceive your risk to be too high to allow you to get a loan on your own. There could be a big derogatory mark on your credit report, the amount of your loan may be too high, or you may already have too much debt (meaning your debt-to-income ratio is too high).
So yes, it’s perfectly normal for this to happen. You could try applying with another lender if you don’t want to find a cosigner, but they may give you the same response.”