What do you think it says about a lender when they don’t check applicants’ credit history?

The lending entities that do not check applicants' credit histories basically provide a one-size-fits-all option. Meaning, that regardless of one's credit worthiness, all applicants will be charged a high enough rate to make it beneficial for the lending entity. This means that one should expect the interest rates that will be charged are in the predatory range. Also, many of these loans may require an applicant to provide collateral. The loan contracts for these lending entities are structured to ensure they [the lending entities] come out ahead, either by receiving extraordinarily high payments [due to the high interest being charged] or by taking ownership of the collateral once the applicant defaults. It is a win-win for the lending entity.