Dependents (including yourself)					Score:
One 2	Two 2	Three 2	Four 1	Five+ 1

Years At Present Address					Score:
Under 2 years 1	2 to 4 years 2	5 to 8 years 2	9 to 14 years 3	15 years or more 4

Years With Present Employer					Score:
Under 2 years 1	2 to 4 years 3	5 to 8 years 4	9 to 15 years 5	Over 15 years 6

Years With Previous Employer					Score:
Under 2 years 1	2 to 4 years 2	5 to 8 years 2	9 to 15 years 3	Over 15 years 3

Gross Monthly Income								Score:
Less Than $2,000 1	$2,000 to $2,600 2	$2,601 to $3,000 4	$3,001 to $3,600 5	$3,601 to $4,200 7	$4,201 to $4,600 9	$4,601 to $5,200 11	$5,201 or More 12

Approximate Savings: (passbook, money market, CDs, home equity-home value less mortgage balance)								Score:
Less Than $10,000 1	$10,000 to $17,000 2	$17,001 to $26,000 4	$26,001 to $38,000 5	$38,001 to $46,000 7	$46,001 to $56,000 9	$56,001 to $65,000 11	$65,001 or More 12

Percent Of Monthly Income Remaining After Expenses (excluding monthly rent or mortgage payment)					Score:
Under 10% 1	10% to 25% 3	26% to 33% 5	34% to 50% 7	Over 50% 9

To Find Out What Your Score Means, Click HERE

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This test is for your information only. It does not include all of the factors we consider in evaluating a loan request such as your payment history and your ability to meet your monthly obligations. We reserve the right of final loan approval.