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In the mid-range of credit, applicants were from all ages levels. At the low end of credit, applicants ranged from their twenties to their forties on average. For applicants in their twenties, age seemed to put a cap on how much credit they could receive. For example, the most credit received by an applicant in their twenties was $10,600. The few applicants in their fifties who received minimal amounts of credit also had incomes at the very low end. Marital status has some impact on the amount of credit received. In the middle of the credit range, the marital status of successful applicants is mixed on average, whereas the vast majority of applicants at the high end of credit received were married. As with the high end, at the low end of credit successful applicants were as likely to be single or married.

Home ownership is a key factor in the amount of credit given. Those receiving the most amount of credit tended strongly towards home ownership. Even in the mid-range amount of credit received, home ownership was mixed and at the low end for credit, home ownership becomes increasingly rare.

Annual income is a significant factor in the amount of credit given. There is a clear and direct correlation between annual income and credit given. Applicants whose incomes were under $30,000 were exclusively given low amounts of credit. The highest credit amount for which the average income of the recipient was under $30,000 was just $3,800. As the amount given increases, the average income of the recipient increases. The two applicants with over $70,000 in income received the two highest amounts of credit.

Job status is only an incidental factor in the amount of credit given. There is a slight trend towards full-time employment amongst those with the highest amount of credit given, and a slight trend towards part-time employment amongst those with the lowest amount of credit given. But for most levels of credit given, job status does not appear to have any impact. The amount of

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