Suppose Eric, Ginny, and Kenji are looking to purchase homes in Chicago, and they all happen to find exactly the home they are looking for within a mile of one another, each costing $240,000. None of the homeowners have enough cash to purchase their selected home outright, so each of them needs to submit a mortgage application in order for their lender to determine whether or not the borrower will be able to repay the mortgage loan. Suppose Eric, Ginny, and Kenji all use Bank of America as their lender and that they all submit their mortgage applications at the same time. The following table shows: (1) the amount that each borrower suggests they will put as a down payment on their home, (2) each borrowers' debt-to-income ratio, and (3) each borrower's credit score. Using the information in the table, answer the question that follows. Borrower Debt-to-Income Ratio Credit Score Eric Down Payment $48,000 $21,600 13% 730 Ginny 28% 470 Kenji $28,800 18% 610 Given the information in the table, which of the three borrowers has the strongest mortgage application? Eric Ginny OKenji