Laila is preparing to buy her first home by applying for a mortgage. When the lender evaluates her application, theyre going to take into consideration her willingness to repay the loan. What is the primary source of information they will use for this part of their evaluation?

a. a credit report provided by one of the large credit reporting agencies

b. credit card statements for the past year

c. bank statements for the past three years

d. student loan statements for the past year

e. pay stubs for the past two years