Problem $21-2($LG $21-2,$ LG $21-3)$ Suppose you are a loan officer at Carbondale Local Bank. Joan Doe listed the following information on her mortgage application: CharacteristicValueAnnual gross income$$30,000$TDS$10\%$Relations with FISavings accountMajor credit cards$2$Age$35$ResidenceOwn$/$MortgageLength of residence$2\mathrm{.}0$ yearsJob stability$0\mathrm{.}5$ yearsCredit historyMissed $3$ payments $1$ year ago CharacteristicCharacteristic Values and WeightsAnnual gross income$<$$$10,000$$$10,000$$$25,000$$$25,000$$$50,000$$$50,000$$$100,000>$$$100,000$Score$010203560$TDS$>50\%35\%50\%15\%35\%5\%15\%<5\%$Score$100204060$Relations with FINoneChecking accountSavings accountBoth$$Score$0101020$Major credit cardsNoneBetween $1$ and $45$ or more$$Score$02010$Age$<252560>60$Score$52535$ResidenceRentOwn with mortgageOwn outright$$Score$52050$Length of residence$<1$ year$15$ years$>5$ years$$Score$02540$Job stability$<1$ year$15$ years$>5$ years$$Score$02550$Credit historyNo recordMissed a payment in last $5$ yearsMet all payments$$Score$01540$ The loan is automatically rejected if the applicant$$s total score is less than or equal to $120.$ The loan is automatically approved if the 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. Calculate Joan Doe$$s credit score. Determine whether or not Joan Doe should be approved for a mortgage from your bank.