NOFFCU

Boosted Train Set 1

All declined loans added in one single iteration.

Loan status distribution for approved loans:

## approved$LOAN_STATUS 
##       n missing  unique 
##    9511       0       2 
## 
## DEFAULTED (468, 5%), REPAID (9043, 95%)

Loan status distribution for declined loans:

## declined$LOAN_STATUS 
##       n missing  unique 
##    4467       0       2 
## 
## DEFAULTED (1187, 27%), REPAID (3280, 73%)

Boosted Train Set 2

All declined loans added in several iterations, always using the same threshold used in boosted train set 1.

Loan status distribution for approved loans:

## approved$LOAN_STATUS 
##       n missing  unique 
##    9511       0       2 
## 
## DEFAULTED (468, 5%), REPAID (9043, 95%)

Loan status distribution for declined loans:

## declined$LOAN_STATUS 
##       n missing  unique 
##    4467       0       2 
## 
## DEFAULTED (1187, 27%), REPAID (3280, 73%)

Boosted Train Set 3

All declined loans added in several iterations, based on a different threshold each time as determined by inspecting cross validation results.

Loan status distribution for approved loans:

## approved$LOAN_STATUS 
##       n missing  unique 
##    9511       0       2 
## 
## DEFAULTED (468, 5%), REPAID (9043, 95%)

Loan status distribution for declined loans:

## declined$LOAN_STATUS 
##       n missing  unique 
##    4467       0       2 
## 
## DEFAULTED (1895, 42%), REPAID (2572, 58%)