Suppose you are a loan officer at Carbondale Local Bank. Joan Doe listed the following information on her mortgage application: Characteristic Value Annual gross income $20,000 TDS 12% Relations with FI Checking account Major credit cards 1 Age 20 Residence Rent Length of residence 3.5 years Job stability 2.5 years Credit history Missed 2 payments 1 year ago Characteristic Characteristic Values and Weights Annual gross income SON 35-50% 159-35% 54-15% Score -10 20 Relations with FI None Checking account Savings account Both Score @ 10 10 20 Major credit cards None Between 1 and 4 5 or more Score @ 20 10 Age 60 Score 5 25 35 Residence Rent Own with mortgage Own outright Score 5 20 50 Length of residence 1-5 years >5 years Score 25 40 Job stability 5 years Score 25 50 Credit history No record Missed a paynent in last 5 years Met all payments Score -15 40 >$100,000 60