The data suggests several areas where further scrutiny and other action is required. These conclusions are described below along with accompanying recommendations to address these concerns.
Men apply for mortgages more than women.
Females were found to be four times less likely than men to be the primary mortgage applicant. This statistic may reflect both the demographic and cultural situation. A reasonable assumption is that the pool of female applicants includes many who are heads of household. Census figures for the state show female heads of household exist at the rate of one for every five married-couple families. This study did not examine co-applicants.