According to Jeanne Tarkenton, banks look at the customer's and when deciding whether or not to give a customer a mortgage. payment history; home value age; education level FICO score; age FICO score; debt-to-income ratio According to Jeanne Tarkenton, banks look at the customer's and when deciding whether or not to give a customer a mortgage. payment history; home value age; education level FICO score; age FICO score; debt-to-income ratio