Ann, Bob, Chris and Dave apply for the same loan amount. Assuming that the only three factors that make a difference in their loan applications are loan-to-value ratio (LTV), discount points (DPs) and the loan term, who is most likely to be offered the highest rate on the mortgage and who is most likely to be offered the lowest such rate? Ann: LTV = 90, DPs = 2, term = 30 years Bob: LTV = 80, DPs = 3, term = 15 years Chris: LTV = 90, DPs = 3, term = 30 years Dave: LTV = 80, DPs = 2, term = 15 years