Suppose you are a loan officer at Carbondale Local Bank. Joan Doe listed the following information on her mortgage application: Characteristic Annual gross income TDS Relations with FI Major credit cards Age Residence Length of residence Job stability Credit history Value $51,000 12% Savings account 2 61 Own/Mortgage 0.5 years 1.5 years Missed 2 payments 1 year ago $50,000-$100,000 35 5%-15% 40 Both 20 >$100,000 60 50% -10 None 0 None 0 0 60 25 35 Own with mortgage Own outright 20 50 1-5 years >5 years 25 40 >5 years 25 50 Missed a payment in last 5 years Met all payments -15 40 $100,000 60 50% -10 None 0 None 0 0 60 25 35 Own with mortgage Own outright 20 50 1-5 years >5 years 25 40 >5 years 25 50 Missed a payment in last 5 years Met all payments -15 40