1. Suppose you are a loan officer at 123 Local Bank. Ellen Smith listed the following information on her mortgage application:

a. Calculate Ellen Smiths credit score b. Determine whether or not Ellen Smith should be automatically approved, automatically rejected, or reviewed by a loan committee for a final decision for a mortgage from your bank.

The loan is automatically rejected if the applicant's total score is less than or equal to 120 . The loan is automatically approved if the total score is greater than or equal to 190. A score between 120 and 190 (noninclusive) is reviewed by a loan committee for a final decision