Modified Credit Approval Decisions Homeowner 1 1 1 0 0 1 0 0 1 1 1 1 1 0 1 1 0 0 1 0 0 0 1 0 1 1 1 0 0 1 0 0 1 1 0 1 1 1 1 0 0 1 0 0 0 1 1 0 0 1 Credit Score 725 573 677 625 527 795 733 620 591 660 700 500 565 620 774 802 640 523 811 763 555 617 642 688 649 695 701 635 507 677 485 582 699 703 585 620 695 774 802 640 536 801 760 567 600 702 636 509 595 733 Years of Credit History 20 9 11 15 12 22 7 5 17 24 19 16 6 3 13 10 7 14 20 2 4 9 13 3 12 15 9 7 2 12 5 3 17 22 18 8 16 13 10 7 14 20 2 4 10 11 8 3 18 15 Revolving Balance $ 11,320 $ 7,200 $ 20,000 $ 12,800 $ 5,700 $ 9,000 $ 35,200 $ 22,800 $ 16,500 $ 9,200 $ 22,000 $ 12,500 $ 7,700 $ 37,400 $ 6,100 $ 10,500 $ 17,300 $ 27,000 $ 13,400 $ 11,200 $ 2,500 $ 8,400 $ 16,000 $ 3,300 $ 7,500 $ 20,300 $ 11,700 $ 29,100 $ 2,000 $ 7,600 $ 1,000 $ 8,500 $ 12,800 $ 10,000 $ 31,000 $ 16,200 $ 9,700 $ 6,100 $ 10,500 $ 17,300 $ 27,000 $ 13,400 $ 11,200 $ 2,200 $ 12,050 $ 11,700 $ 29,100 $ 2,000 $ 29,000 $ 13,000 Years of Credit History Revolving Balance New Data to Classify Homeowner Credit Score 1 0 1 0 0 1 700 520 650 602 549 742 8 1 10 7 2 15 $21,000 $4,000 $8,500.00 $16,300.00 $2,500.00 $16,700.00 Revolving Utilization 25% 70% 55% 65% 75% 12% 20% 62% 50% 35% 18% 83% 70% 87% 7% 5% 59% 79% 3% 70% 100% 34% 25% 11% 5% 22% 15% 85% 100% 9% 80% 65% 27% 20% 78% 55% 11% 7% 5% 59% 79% 3% 70% 95% 81% 15% 85% 100% 78% 24% Decision 1 0 1 0 0 1 1 0 0 1 1 0 0 0 1 1 0 0 1 0 0 0 1 1 1 1 1 0 0 1 0 0 1 1 0 0 1 1 1 0 0 1 0 0 0 1 0 0 0 1 Revolving Utilization Decision 15% 90% 25% 70% 90% 18%