Finance

Under the Equal Credit Opportunity Act (ECOA), lenders may NOT consider which factor when evaluating a mortgage application?

ACredit score
BDebt-to-income ratio
CMarital status✓ Correct
DEmployment history

Explanation

ECOA prohibits lenders from discriminating based on race, color, religion, national origin, sex, marital status, age (if the applicant is of legal age to contract), or receipt of public assistance. Marital status cannot be used as a basis for denying or limiting credit.

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