Which item is NOT permitted when evaluating an application under regulations?

When evaluating a mortgage application, the evaluation process is guided by regulations that aim to ensure fairness and prevent discrimination. The correct answer highlights that disability status is not permitted as a factor in the evaluation. This is consistent with laws such as the Fair Housing Act and the Equal Credit Opportunity Act, which prohibit discrimination based on disability, among other protected characteristics.

The focus on not considering disability status aligns with the broader objective of creating an equitable lending environment where applicants are assessed solely on their financial information and creditworthiness, rather than personal characteristics that do not impact their ability to repay a loan.

In contrast, the other items listed—gender of the applicant, number of dependents, and marital status—can sometimes play a role in lending decisions, though they must be handled carefully to comply with anti-discrimination laws. For example, marital status may be considered in determining household income or evaluating financial responsibility, as it can affect financial obligations. However, it is essential to ensure that these evaluations are conducted without bias and do not lead to discriminatory practices in lending.

Understanding which factors are permissible and which are prohibited is crucial for compliance with mortgage regulations and helps to foster a fair lending landscape.