The Ioan is automatically rejected if the applicant's total score is less than or equal to 120 . The Ioan 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. a. Colculate Joan Doe's credit score. b. Determine whether or not Joan Doe should be approved for a mortgage from your bank