[Refactor] LoanViewModel : using by delegation for mutable states

[shamim-emon]

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• I've read the Contribution Guidelines and my PR doesn't break the rules.
• I've read and understand the Developer Guidelines.
• I confirm that I've run the code locally and everything works as expected.
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Screen recording of your changes (if applicable):

What's changed?

Describe with a few bullets what's new:

• I've updated LoanViewModel as such that all its mutableStates uses by delegate

Risk factors

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In what cases won't your code work?

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Does this PR close any GitHub issues? (do not delete)

• Closes [Refactor] LoanViewModel: use by delegation for mutable states #3522

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