uppose you are a loan officer at Carbondale Local Bank. Joan Doe listed the following information on her mortgage application: Characteristic Value Annual gross income $23,000 TOS 10 Relations with FI Both Major credit cards 3 Age 23 Residence Own/Mortgage Length of residence 2.5 years Job stability 7.5 years Credit history Missed 3 payments 1 year ago $100,00 6e > -10 None $50,000-$100,000 35 54-15 40 Both 20 60 None Characteristic Annual gross income Score TOS Score Relations with F1 Score Major credit cards Score Age Score Residence Score Length of residence Score Job stability Score Credit history Score >60 25 35 Own with nortgage Own outright 20 Se 1-5 years >5 years 25 40 1-5 years 25 5e Missed a payment in last 5 years Met all payments - 15 40 5 years No record Check my work Job stability 5 years Score 25 50 Credit history No record Missed a payment in last 5 years Met all payments Score -15 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 stal score is greater than or equal to 190. A score between 120 and 190 (noninclusive) is reviewed by a loan committee for a final lecision Calculate Joan Doe's credit score. Determine whether or not Joan Doe should be approved for a mortgage from your bank. Complete this question by entering your answers in the tabs below. Required A Required B Calculate Joan Doe's credit score. Credit score Required>