Which of the following is NOT a factor in determining mortgage fraud?

Determining mortgage fraud involves several key factors, and one of them is the intent to deceive. This element is crucial because fraud typically involves knowingly providing false information with the purpose of misleading another party to gain an unfair advantage—in this case, the lender. Misrepresentation of financial information is also a common factor, as providing inaccurate details about income, assets, or debts can constitute fraud when trying to obtain a mortgage.

The use of fraudulent documents further supports the existence of mortgage fraud. Presenting falsified documents to mislead a lender about a borrower's qualifications or intentions is a clear action that falls under fraudulent behavior.

In contrast, the amount of the loan requested is not intrinsically a factor in establishing whether fraud has occurred. While larger loan amounts may raise suspicions, the actual figure itself does not indicate deceptive intent or actions. Instead, it is the context and actions surrounding the loan request that determine whether fraud is present, making the amount of loan requested irrelevant in the scope of fraud assessment.