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Chart A - Bar chart of the loan amount
The below output shows The loan amount with regards to number of loans
Chart B - Box plot of loan amount
The below plot shows a box plot of the loan amount with respect to different loan status
Chart C - Logistic regression
The below table is a logistic regression credit model. It displays the ods ratios in the regression model. An odds ratio is a relative measure of effect, which allows the comparison of a dichotom outcome. An odds ratio greater than 1 indicates that the condition or event is more likely to occur in the group. An odds ratio less than 1 indicates that the condition or event is less likely to occur in the group.| loan status | |||
|---|---|---|---|
| Predictors | Odds Ratios | CI | p |
| (Intercept) | 0.05 | 0.05 – 0.05 | <0.001 |
| loan amnt | 1.00 | 1.00 – 1.00 | <0.001 |
| home_ownership1 | 0.85 | 0.83 – 0.87 | <0.001 |
| verification status | 1.12 | 1.09 – 1.15 | <0.001 |
| purpose 0 | 0.71 | 0.67 – 0.76 | <0.001 |
| purpose 1 | 0.67 | 0.63 – 0.72 | <0.001 |
| dti1 | 0.81 | 0.79 – 0.83 | <0.001 |
| delinq_2yrs1 | 0.95 | 0.92 – 0.98 | 0.001 |
| int rate | 121500.43 | 89535.70 – 164876.74 | <0.001 |
| inq last 6 mths | 1.02 | 1.01 – 1.03 | <0.001 |
| mths since last delinq | 1.00 | 1.00 – 1.00 | <0.001 |
| revol bal | 1.00 | 1.00 – 1.00 | <0.001 |
| revol util | 1.43 | 1.36 – 1.51 | <0.001 |
| total acc | 1.00 | 0.99 – 1.00 | <0.001 |
| Observations | 214008 | ||
| Cox & Snell’s R2 / Nagelkerke’s R2 | 0.049 / 0.083 | ||
Chart D - ROC graph visualizaiton
The below table is a ROC curve of the logistic regression credit model. The value displays how well the model have explained the outcome.
## [[1]]
## [1] 0.6695527