When the interviewer asks you about applicable ratios, they are trying to gauge your knowledge and understanding of financial ratios commonly used in the underwriting process. These ratios can include debt ratios, loan-to-value ratios, and other similar metrics. To answer this question effectively, it's essential to have a solid understanding of these ratios and how they are used to assess risk and determine loan eligibility. Generally speaking, lenders will look for borrowers with lower debt-to-income ratios and higher loan-to-value ratios, which indicates a lower default risk. However, every lender may have specific guidelines and preferences regarding these ratios, so it's important to be familiar with the particular guidelines of the institution you are interviewing with.