Which of the following must an applicant submit to demonstrate business financial responsibility?

Submitting a statement indicating the applicant's net worth is essential for demonstrating business financial responsibility. This statement provides a comprehensive overview of the applicant's financial situation, showcasing their assets and liabilities. A clear understanding of net worth allows licensing authorities to assess the financial stability of the business and its ability to meet obligations, which is crucial in the mortgage lending sector.

Net worth serves as an indicator of an applicant's financial health and operational viability. It reflects not only the individual's current financial standing but also their capacity to handle finances responsibly, which is a key aspect of maintaining trust and compliance in financial dealings.

The other options, while potentially useful in illustrating different aspects of an applicant's financial status or operational details, do not directly portray the overall financial responsibility as clearly as a net worth statement. A record of debts might show liabilities but lacks the broader context of total assets. A written application for a license is necessary for submission but does not provide financial information. A list of stakeholders is important for understanding ownership and control, yet it does not reflect the financial capacity or responsibility of the applicant in the same direct manner as the net worth statement does.