Question #8 Which of the following is NOT a correct statement about a lender's residential mortgage loan decisions? A) A low debt-to-income ratio implies that a borrower's ability to pay is bad. B) Loan-to-value ratio is an important indicator of mortgage loan risk. C) Automated underwriting is cheaper in cost than the traditional underwriting approach. D) The introduction of credit scoring is an innovation in evaluating a borrower's creditworthiness. E) Housing expense ratio depends on the monthly payment of principal repayment and interest payment and a borrower's monthly income