Lender Not Considering 1099 Income

[Clay Massey]

I have stayed consistent in my industry (w2 income) for many years. January 2021, I lost my job (Covid challenges). I started a new w2 job in the same industry, July 2021

I have 1099 income on my taxes for the last three years and I am being told by a lender that they will not consider my 1099 income due to the gap in my w2 employment in 2021.

Is this lender specific? Or a lending standard (not considering 1099 due to gap in employment) ?

This is related to a conventional loan for primary residence. Any and all info or lender referral is greatly appreciated.