Which of the following must be included in the financial disclosures of a license applicant?

The correct choice indicates that a history of denied bonds must be included in the financial disclosures of a license applicant. This requirement is significant because a history of denied bonds can reflect on an applicant's financial reliability and stability, which are crucial assessments during the approval process for becoming a licensed mortgage loan originator. Financial disclosures are designed to provide a transparent view of an applicant's financial behavior and trustworthiness, crucial for the integrity of the mortgage industry.

While credit scores, previous employer's financial ratings, and financial planning backgrounds might provide insights into an individual's qualifications, they are not typically mandated as disclosures in the same way that a history of denied bonds is required. Thus, including a history of denied bonds ensures that the licensing authority has a complete picture of any potential risks associated with the applicant's financial past.