Which of the following is NOT a question that can be asked on a mortgage application?

The choice of nationality is not an acceptable question on a mortgage application due to regulations related to fair housing and discrimination. The Equal Credit Opportunity Act (ECOA) prohibits lending institutions from discriminating against applicants based on race, color, religion, national origin, sex, marital status, or age. Asking about nationality could lead to potential bias and unfair treatment in the lending process.

On the other hand, questions about employment history, income level, and credit history are standard inquiries that lenders use to assess a borrower's ability to repay a loan. These factors are critical in determining creditworthiness and the risk associated with issuing a mortgage. Employment history helps establish job stability, income level assesses financial capability, and credit history provides insight into past borrowing and repayment behaviors. Collectively, these elements aid lenders in making informed lending decisions, which is why they are included on a mortgage application form.