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around the u.s. ANALYTICS Average Credit Score Mississippi 67.13 90.33% 619 West Virginia 69.6 89.19% 634 Kentucky 71.04 89.80% 636 Alabama 71.26 87.93% 647 Indiana 71.83 88.32% 636 Michigan 72.38 89.59% 635 73.15 87.64% 682 637 Iowa Georgia 73.2 87.69% Louisiana 73.26 90.59% 616 Missouri 73.27 89.59% 644 Arkansas 73.31 91.01% 611 Ohio 73.49 86.47% 658 South Carolina 73.95 88.21% 657 Oklahoma 74.28 90.15% 623 Tennessee 74.28 90.00% 637 North Carolina 75.52 88.62% 640 Maine 77.32 88.92% 641 Wisconsin 77.71 88.48% 650 South Dakota 77.88 89.86% 611 Illinois 77.96 89.50% 634 Kansas 78.68 90.53% 618 Wyoming 78.72 90.12% 612 North Dakota 78.87 89.92% a na ly t ic s The "health" of the average borrower slipped across the nation in the third quarter, according to data released by LendingTree. With home prices steadily rising, CEO Doug Lebda said the slight decline "isn't necessarily unsettling." However, he noted that "there needs to be a growing pool of well-qualified borrowers in the market" in order for housing to maintain and build upon those gains. Take a look at the markets in order from least healthiest to healthiest. Average LTV Ratio s e r v ic i ng Unhealthy Trend Borrower Health Score Or ig i nat ion An State 624 666 79.26 85.31% Alaska 79.44 88.65% 637 Delaware 79.62 85.68% 685 Florida 79.88 88.82% 637 Pennsylvania 79.91 87.79% 653 Idaho 79.92 90.07% 621 80.11 88.91% 636 Texas 80.66 90.22% 621 Vermont 80.92 88.54% 648 Rhode Island Montana 81.18 91.16% 598 New Hampshire 81.42 90.38% 640 Nevada 81.43 89.62% 633 Arizona 81.73 90.83% 623 Nebraska 81.78 89.49% 638 Minnesota 81.97 89.67% 622 Maryland 83.62 86.21% 666 New York 84.57 88.53% 639 Washington 84.85 87.97% 651 Oregon 84.91 90.10% se c on da r y m a r k e t New Mexico 619 Utah 85.51 88.87% 633 Colorado 86.14 86.03% 669 Virginia 86.17 89.25% 648 Connecticut 88.71 88.36% 654 Massachusetts 89.73 89.77% 614 California 90.59 88.53% 646 New Jersey 91.18 88.48% 648 District of Columbia 95.91 86.45% 659 Hawaii 96.16 89.66% 618 Source: LendingTree The M Report | 53

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