The goal is to build a predictive regression model for assigning interest rates to loans.
## Loan_id Borrower_ID Loan_Amount_Requested
## Min. : 1 Min. : 92671 Min. : 950
## 1st Qu.: 7251 1st Qu.: 3921030 1st Qu.: 8944
## Median :14500 Median :10789582 Median :14000
## Mean :14500 Mean :13458500 Mean :15344
## 3rd Qu.:21750 3rd Qu.:21138123 3rd Qu.:20050
## Max. :29000 Max. :38923005 Max. :35000
##
## Initial_Loan_Term_Months Interest_Rate Employer
## 36 months:20386 Min. :0.0542 : 2060
## 60 months: 8614 1st Qu.:0.1016 Teacher : 402
## Median :0.1335 Manager : 267
## Mean :0.1356 RN : 143
## 3rd Qu.:0.1629 Registered Nurse: 132
## Max. :0.2606 Owner : 113
## (Other) :25883
## Length_Employed Home_Owner Annual_Income
## Min. : 0.000 MORTGAGE:14148 Min. : 7000
## 1st Qu.: 3.000 N/A : 4543 1st Qu.: 50000
## Median : 8.000 NONE : 4 Median : 70000
## Mean : 6.581 OTHER : 8 Mean : 79956
## 3rd Qu.:10.000 OWN : 2249 3rd Qu.: 95000
## Max. :10.000 RENT : 8048 Max. :1000000
## NA's :1568 NA's :4404
## Income_Verified Month_Issued
## not verified : 8292 Oct : 3921
## VERIFIED - income :11521 Jul : 2993
## VERIFIED - income source: 9187 Nov : 2943
## Aug : 2597
## May : 2351
## Apr : 2261
## (Other):11934
## Loan_Description
## :20654
## Borrower added on 01/03/14 > Debt consolidation<br>: 2
## Borrower added on 01/15/14 > Debt consolidation<br>: 2
## Borrower added on 01/23/13 > debt consolidation<br>: 2
## Borrower added on 02/05/14 > Debt consolidation<br>: 2
## Borrower added on 03/10/14 > debt consolidation<br>: 2
## (Other) : 8336
## Purpose_Of_Loan Loan_Title Zip_3
## debt_consolidation:17253 Debt consolidation : 9871 945xx : 320
## credit_card : 6458 Credit card refinancing: 3749 300xx : 284
## home_improvement : 1797 Debt Consolidation : 1096 606xx : 278
## other : 1335 Home improvement : 948 750xx : 276
## major_purchase : 565 Other : 652 112xx : 265
## small_business : 424 Consolidation : 397 070xx : 230
## (Other) : 1168 (Other) :12287 (Other):27347
## State Debt_To_Income Number_Delinqueny_2yrs Date_Earliest_Credit
## CA : 4220 Min. : 0.00 Min. : 0.0000 Oct-00 : 365
## NY : 2385 1st Qu.:11.57 1st Qu.: 0.0000 Aug-00 : 353
## TX : 2304 Median :17.03 Median : 0.0000 Oct-99 : 342
## FL : 1791 Mean :17.36 Mean : 0.3327 Nov-00 : 328
## NJ : 1159 3rd Qu.:22.86 3rd Qu.: 0.0000 Nov-99 : 317
## IL : 1129 Max. :39.91 Max. :13.0000 Dec-98 : 303
## (Other):16012 (Other):26992
## Inquiries_Last_6Mo Months_Since_Deliquency Months_Since_Record
## Min. :0.0000 Min. : 0.00 Min. : 0.00
## 1st Qu.:0.0000 1st Qu.: 15.00 1st Qu.: 52.00
## Median :0.0000 Median : 30.00 Median : 74.00
## Mean :0.7976 Mean : 33.82 Mean : 74.39
## 3rd Qu.:1.0000 3rd Qu.: 49.00 3rd Qu.:101.00
## Max. :8.0000 Max. :141.00 Max. :119.00
## NA's :14200 NA's :24767
## Number_Open_Accounts Public_Record_Count Revolving_Balance
## Min. : 1.00 Min. : 0.0000 Min. : 0
## 1st Qu.: 8.00 1st Qu.: 0.0000 1st Qu.: 7578
## Median :11.00 Median : 0.0000 Median : 14016
## Mean :11.61 Mean : 0.1774 Mean : 18806
## 3rd Qu.:14.00 3rd Qu.: 0.0000 3rd Qu.: 23988
## Max. :52.00 Max. :16.0000 Max. :2560703
##
## Revolving_Utilization Total_Accounts Collections_12Mo_Exclude_Med
## Min. :0.0000 Min. : 3.00 Min. :0.000
## 1st Qu.:0.3920 1st Qu.: 19.00 1st Qu.:0.000
## Median :0.5810 Median : 26.00 Median :0.000
## Mean :0.5638 Mean : 27.68 Mean :0.009
## 3rd Qu.:0.7510 3rd Qu.: 34.00 3rd Qu.:0.000
## Max. :1.1720 Max. :105.00 Max. :3.000
##
## Months_Since_Last_Derogatory
## Min. : 0.0
## 1st Qu.: 25.0
## Median : 42.0
## Mean : 42.5
## 3rd Qu.: 58.0
## Max. :162.0
## NA's :22079## Loan_id Borrower_ID Loan_Amount_Requested
## Min. : 1 Min. : 89243 Min. : 1000
## 1st Qu.:1251 1st Qu.: 3876160 1st Qu.: 8788
## Median :2500 Median :10789712 Median :14062
## Mean :2500 Mean :13543818 Mean :15324
## 3rd Qu.:3750 3rd Qu.:21213555 3rd Qu.:20150
## Max. :5000 Max. :38921981 Max. :35000
##
## Initial_Loan_Term_Months Employer Length_Employed
## 36 months:3520 : 365 Min. : 0.000
## 60 months:1480 Teacher : 76 1st Qu.: 3.000
## Manager : 46 Median : 8.000
## Registered Nurse: 35 Mean : 6.644
## RN : 22 3rd Qu.:10.000
## Vice President : 22 Max. :10.000
## (Other) :4434 NA's :271
## Home_Owner Annual_Income Income_Verified
## MORTGAGE:2438 Min. : 9600 not verified :1470
## N/A : 789 1st Qu.: 50000 VERIFIED - income :1959
## NONE : 1 Median : 69000 VERIFIED - income source:1571
## OTHER : 2 Mean : 79532
## OWN : 387 3rd Qu.: 96500
## RENT :1383 Max. :600000
## NA's :741
## Month_Issued
## Oct : 638
## Nov : 554
## Jul : 527
## Aug : 457
## May : 431
## Sep : 371
## (Other):2022
## Loan_Description
## :3565
## 550402 added on 10/11/09 > Better rate loan pay off : 1
## 554269 added on 12/16/09 > These funds will enable personal debt consolidation and enable resource dedication towards bringing a long-time moonlighting business into what's now a full-time venture.<br/> : 1
## 555217 added on 10/14/09 > Fund to consolidate higher-interest debt. 555217 added on 10/15/09 > Purpose of this loan is to consolidate and payoff several higher-interest debt, thus lowering my monthly payments and decreasing my overall interests rates. I have good credit and have never missed a debt payment in my 25+ years of paying bills.: 1
## 578992 added on 11/23/09 > Thank you. I plan on correcting some small debt and making my truck run smooth. I have a stable job and plan on paying off this loan early. Thanks again<br/> : 1
## 583145 added on 12/07/09 > This loan would be for fertility assistance in order to conceive a child. Unfortunately, this type of medical care is not civered by my employers' insurance. Thank you very much.<br/> : 1
## (Other) :1430
## Purpose_Of_Loan Loan_Title Zip_3
## debt_consolidation:2971 Debt consolidation :1733 750xx : 67
## credit_card :1106 Credit card refinancing: 622 945xx : 56
## home_improvement : 324 Debt Consolidation : 195 112xx : 54
## other : 222 Home improvement : 165 300xx : 41
## small_business : 90 Other : 112 606xx : 41
## major_purchase : 87 Consolidation : 75 331xx : 40
## (Other) : 200 (Other) :2098 (Other):4701
## State Debt_To_Income Number_Delinqueny_2yrs Date_Earliest_Credit
## CA : 719 Min. : 0.00 Min. : 0.0000 Oct-00 : 68
## NY : 418 1st Qu.:11.43 1st Qu.: 0.0000 Aug-00 : 66
## TX : 399 Median :16.66 Median : 0.0000 May-00 : 65
## FL : 336 Mean :17.18 Mean : 0.3438 Aug-99 : 55
## PA : 198 3rd Qu.:22.59 3rd Qu.: 0.0000 Jan-00 : 53
## IL : 187 Max. :39.99 Max. :15.0000 Oct-99 : 53
## (Other):2743 (Other):4640
## Inquiries_Last_6Mo Months_Since_Deliquency Months_Since_Record
## Min. :0.000 Min. : 0.00 Min. : 3.00
## 1st Qu.:0.000 1st Qu.: 16.00 1st Qu.: 54.00
## Median :0.000 Median : 31.00 Median : 75.00
## Mean :0.787 Mean : 34.19 Mean : 75.15
## 3rd Qu.:1.000 3rd Qu.: 51.00 3rd Qu.:100.00
## Max. :7.000 Max. :135.00 Max. :119.00
## NA's :2428 NA's :4244
## Number_Open_Accounts Public_Record_Count Revolving_Balance
## Min. : 2.00 Min. :0.0000 Min. : 0
## 1st Qu.: 8.00 1st Qu.:0.0000 1st Qu.: 7327
## Median :11.00 Median :0.0000 Median : 13818
## Mean :11.59 Mean :0.1868 Mean : 18699
## 3rd Qu.:14.00 3rd Qu.:0.0000 3rd Qu.: 23639
## Max. :43.00 Max. :8.0000 Max. :376674
##
## Revolving_Utilization Total_Accounts Collections_12Mo_Exclude_Med
## Min. :0.000 Min. : 4.00 Min. :0.0000
## 1st Qu.:0.389 1st Qu.: 19.00 1st Qu.:0.0000
## Median :0.576 Median : 26.00 Median :0.0000
## Mean :0.560 Mean : 27.59 Mean :0.0082
## 3rd Qu.:0.749 3rd Qu.: 35.00 3rd Qu.:0.0000
## Max. :1.232 Max. :105.00 Max. :1.0000
##
## Months_Since_Last_Derogatory
## Min. : 0.00
## 1st Qu.: 25.00
## Median : 42.00
## Mean : 42.44
## 3rd Qu.: 58.00
## Max. :139.00
## NA's :3848I will combine our two datasets so that we do not need to prepare data separately for them. And avoid problem of dealing with different columns in different datasets.
However before combining them, need to add response column to test because number of columns need to be same for two datasets to stack vertically.
Look at the data after combined, all formats are appropriate in either numeric or factor.
## Rows: 34,000
## Columns: 30
## $ Loan_id <int> 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 1…
## $ Borrower_ID <int> 403344, 410191, 416412, 418859, 420699, …
## $ Loan_Amount_Requested <int> 15000, 17400, 8000, 10000, 16000, 5500, …
## $ Initial_Loan_Term_Months <fct> 36 months, 36 months, 36 months, 36 …
## $ Interest_Rate <dbl> 0.1474, 0.1347, 0.1095, 0.0800, 0.1663, …
## $ Employer <fct> Helpdesk Analyst, National Aquarium, pes…
## $ Length_Employed <int> 1, 2, 10, 1, 2, 4, 10, 10, 1, 10, 2, 2, …
## $ Home_Owner <fct> MORTGAGE, N/A, RENT, MORTGAGE, MORTGAGE,…
## $ Annual_Income <dbl> 87000, NA, 39996, 111150, 70000, 32004, …
## $ Income_Verified <fct> VERIFIED - income, not verified, not ver…
## $ Month_Issued <fct> Feb, Apr, Mar, Mar, Mar, Apr, Apr, Apr, …
## $ Loan_Description <fct> "Several years ago my wife started a gra…
## $ Purpose_Of_Loan <fct> debt_consolidation, debt_consolidation, …
## $ Loan_Title <fct> "Help the love of my life", "Credit Card…
## $ Zip_3 <fct> 553xx, 394xx, 087xx, 923xx, 975xx, 024xx…
## $ State <fct> MN, MS, NJ, CA, OR, MA, TX, TX, WI, MI, …
## $ Debt_To_Income <dbl> 23.49, 13.38, 22.98, 0.49, 0.26, 19.20, …
## $ Number_Delinqueny_2yrs <int> 0, 0, 0, 0, 0, 0, 0, 0, 0, 2, 0, 0, 0, 0…
## $ Date_Earliest_Credit <fct> Oct-96, Dec-93, May-89, Aug-97, Feb-00, …
## $ Inquiries_Last_6Mo <int> 1, 0, 1, 1, 3, 0, 1, 3, 0, 0, 1, 0, 1, 0…
## $ Months_Since_Deliquency <int> 25, NA, 53, NA, 30, NA, 49, NA, NA, 11, …
## $ Months_Since_Record <int> NA, NA, NA, NA, NA, NA, NA, NA, NA, NA, …
## $ Number_Open_Accounts <int> 15, 13, 21, 9, 5, 7, 11, 4, 12, 14, 5, 1…
## $ Public_Record_Count <int> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ Revolving_Balance <int> 28766, 35598, 25336, 7195, 438, 6860, 15…
## $ Revolving_Utilization <dbl> 0.001, 0.579, 0.485, 0.063, 0.046, 0.294…
## $ Total_Accounts <int> 25, 41, 43, 20, 11, 12, 23, 35, 29, 31, …
## $ Collections_12Mo_Exclude_Med <int> 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0…
## $ Months_Since_Last_Derogatory <int> NA, NA, NA, NA, NA, NA, NA, NA, NA, NA, …
## $ data <chr> "train", "train", "train", "train", "tra…Give a look on dataset about the missing values. the following opreations should be done based on the obsvervation from two datasets:
Drop [Borrower_ID] as they are unique identifiers for each loan and borrower and not useful for our model
Drop [Loan_Description]. As the test data has 3565 out of 5000 values missing for Loan_Description. Besides, those variables are basically the borrower’s reason for applying for the loan. More over, this is another relatively unique text data type that will most likely not be useful for our model. Therefore, those are defenitly not useful for our model, where the ultimate goal is to predict on the test dataset.
Drop [Loan_Title,Employer]. Those are also another unique character data types that won’t be as useful to the model, so I will remove the variables altogether from both the test and training datasets.
Drop [Month_Issued]. Even though I think base interest rates may oscillate during certains months of any year, like seasons, this feature doesn’t seem to be as strong as some of the other features, intuitively.
Drop [Date_Earliest_Credit]. This could be converted into years, days, or even seconds since earliest line of credit in integer format, but for this model I will exclude this column. Cause since it doesn’t seem to be as strong as the other features we kept.
Drop the variables [Months_Since_Deliquency,Months_Since_Record and Months_Since_Last_Derogatory]. The reason is that there are 24,767 instances in Months_Since_Record missing (22,079 missing in Months_Since_Last_Derogatory; 14,200 out of 29,000 missing for Months_Since_Deliquency), which means almost all of the values (or more than 50% instances are missing) here are missing for Months_Since_Record (Months_Since_Last_Derogatory, Months_Since_Deliquency). Therefore, it’s better to excluded from the model.
Replace the missing values with mean value for variables [Length_Employed, Annual_Income].
## $Loan_id
## [1] 0
##
## $Borrower_ID
## [1] 0
##
## $Loan_Amount_Requested
## [1] 0
##
## $Initial_Loan_Term_Months
## [1] 0
##
## $Interest_Rate
## [1] 0
##
## $Employer
## [1] 0
##
## $Length_Employed
## [1] 1568
##
## $Home_Owner
## [1] 0
##
## $Annual_Income
## [1] 4404
##
## $Income_Verified
## [1] 0
##
## $Month_Issued
## [1] 0
##
## $Loan_Description
## [1] 0
##
## $Purpose_Of_Loan
## [1] 0
##
## $Loan_Title
## [1] 0
##
## $Zip_3
## [1] 0
##
## $State
## [1] 0
##
## $Debt_To_Income
## [1] 0
##
## $Number_Delinqueny_2yrs
## [1] 0
##
## $Date_Earliest_Credit
## [1] 0
##
## $Inquiries_Last_6Mo
## [1] 0
##
## $Months_Since_Deliquency
## [1] 14200
##
## $Months_Since_Record
## [1] 24767
##
## $Number_Open_Accounts
## [1] 0
##
## $Public_Record_Count
## [1] 0
##
## $Revolving_Balance
## [1] 0
##
## $Revolving_Utilization
## [1] 0
##
## $Total_Accounts
## [1] 0
##
## $Collections_12Mo_Exclude_Med
## [1] 0
##
## $Months_Since_Last_Derogatory
## [1] 22079
##
## $data
## [1] 0Look at the variable Purpose_Of_Loan: There are too many categories. I will combine categories on the basis of average reponse, this will bring down number of categories and make dummies.
##
## car credit_card debt_consolidation educational
## 360 7564 20224 33
## home_improvement house major_purchase medical
## 2121 144 652 327
## moving other renewable_energy small_business
## 170 1557 25 514
## vacation wedding
## 185 124Create dummy variables for other category variables. “Initial_Loan_Term_Months”,“Home_Owner”,“Income_Verified”,“State”
Validation data here is to validate the model we have and mitigate the overfitting
Build model based on train1 data
Before we go start looking at model summary and p-value for the variables , we need to drop variables from the model which have high VIF.For looking at VIF values for the variables , we’ll use function vif from package car.
It will be easier to identify high VIF vars if we sort the results and say look at top 3 only
## Loan_Amount_Requested Length_Employed
## 1.630383 1.033510
## Annual_Income Debt_To_Income
## 1.452889 1.381670
## Number_Delinqueny_2yrs Inquiries_Last_6Mo
## 1.029400 1.047783
## Number_Open_Accounts Public_Record_Count
## 2.032254 1.049685
## Revolving_Balance Revolving_Utilization
## 1.255706 1.200410
## Total_Accounts Collections_12Mo_Exclude_Med
## 1.951750 1.006698
## pol_10 pol_11
## 2.104027 44.593227
## pol_12 pol_13
## 77.283279 237.252167
## pol_14 Initial_Loan_Term_Months_36months
## 278.523442 1.251403
## `Home_Owner_N/A` Home_Owner_RENT
## 2.569354 3.417613
## Home_Owner_MORTGAGE Income_Verified_VERIFIED_incomesource
## 3.789055 1.595978
## Income_Verified_VERIFIED_income State_HI
## 1.737881 1.223844
## State_NH State_RI
## 1.236055 1.242699
## State_WV State_NM
## 1.244356 1.287221
## State_UT State_AR
## 1.374105 1.408086
## State_KS State_OK
## 1.407173 1.441290
## State_KY State_LA
## 1.472960 1.480999
## State_OR State_SC
## 1.592097 1.601082
## State_TN State_NV
## 1.595829 1.636279
## State_AL State_WI
## 1.578309 1.593803
## State_IN State_CT
## 1.717771 1.785850
## State_MO State_MN
## 1.706918 1.852110
## State_CO State_WA
## 1.978691 2.008233
## State_AZ State_MD
## 2.029324 2.039816
## State_MA State_MI
## 2.112949 2.233416
## State_NC State_VA
## 2.255573 2.473017
## State_GA State_OH
## 2.534042 2.488425
## State_PA State_IL
## 2.655324 2.787450
## State_NJ State_FL
## 2.805476 3.744812
## State_TX State_NY
## 4.400172 4.598596
## State_CA
## 6.908742## pol_14 pol_13 pol_12
## 278.52344 237.25217 77.28328Drop the highest vif variable and run the model again.
Later on, we can see that All VIF values are under control.
## State_CA State_NY State_TX
## 6.908421 4.598596 4.400153The model summary, specifically p-values asscociated with the variables. All variables with high p-values [ >0.05] will be dropped. Here I use step function which drops vars based on AIC score one by one. The goal here is to remove vars which do not contribute well.
## Start: AIC=-157857
## Interest_Rate ~ (Loan_id + Loan_Amount_Requested + Length_Employed +
## Annual_Income + Debt_To_Income + Number_Delinqueny_2yrs +
## Inquiries_Last_6Mo + Number_Open_Accounts + Public_Record_Count +
## Revolving_Balance + Revolving_Utilization + Total_Accounts +
## Collections_12Mo_Exclude_Med + pol_10 + pol_11 + pol_12 +
## pol_13 + pol_14 + Initial_Loan_Term_Months_36months + `Home_Owner_N/A` +
## Home_Owner_RENT + Home_Owner_MORTGAGE + Income_Verified_VERIFIED_incomesource +
## Income_Verified_VERIFIED_income + State_HI + State_NH + State_RI +
## State_WV + State_NM + State_UT + State_AR + State_KS + State_OK +
## State_KY + State_LA + State_OR + State_SC + State_TN + State_NV +
## State_AL + State_WI + State_IN + State_CT + State_MO + State_MN +
## State_CO + State_WA + State_AZ + State_MD + State_MA + State_MI +
## State_NC + State_VA + State_GA + State_OH + State_PA + State_IL +
## State_NJ + State_FL + State_TX + State_NY + State_CA) - Loan_id -
## pol_14
##
## Df Sum of Sq RSS AIC
## - State_NH 1 0.0000 25.597 -157859
## - State_UT 1 0.0000 25.597 -157859
## - State_WV 1 0.0001 25.597 -157859
## - State_WI 1 0.0001 25.597 -157859
## - State_MA 1 0.0003 25.597 -157859
## - State_AL 1 0.0004 25.597 -157859
## - State_RI 1 0.0004 25.597 -157859
## - State_IL 1 0.0006 25.597 -157858
## - State_MO 1 0.0006 25.597 -157858
## - State_NJ 1 0.0007 25.597 -157858
## - State_VA 1 0.0007 25.598 -157858
## - State_CT 1 0.0007 25.598 -157858
## - State_OH 1 0.0009 25.598 -157858
## - State_HI 1 0.0010 25.598 -157858
## - State_MN 1 0.0012 25.598 -157858
## - State_CO 1 0.0014 25.598 -157858
## - State_AR 1 0.0014 25.598 -157858
## - State_PA 1 0.0016 25.598 -157858
## - State_KS 1 0.0016 25.598 -157858
## - pol_11 1 0.0017 25.599 -157857
## - State_GA 1 0.0017 25.599 -157857
## - State_OR 1 0.0017 25.599 -157857
## - State_KY 1 0.0019 25.599 -157857
## <none> 25.597 -157857
## - State_OK 1 0.0026 25.599 -157857
## - State_SC 1 0.0031 25.600 -157856
## - pol_10 1 0.0034 25.600 -157856
## - State_TX 1 0.0036 25.600 -157856
## - State_NM 1 0.0037 25.601 -157856
## - State_LA 1 0.0042 25.601 -157855
## - State_IN 1 0.0043 25.601 -157855
## - State_AZ 1 0.0043 25.601 -157855
## - State_MD 1 0.0044 25.601 -157855
## - State_CA 1 0.0056 25.602 -157854
## - State_MI 1 0.0064 25.603 -157853
## - Length_Employed 1 0.0065 25.603 -157853
## - State_WA 1 0.0066 25.603 -157853
## - State_NC 1 0.0074 25.604 -157852
## - Home_Owner_RENT 1 0.0078 25.605 -157852
## - State_NV 1 0.0085 25.605 -157851
## - State_FL 1 0.0091 25.606 -157851
## - State_NY 1 0.0092 25.606 -157851
## - `Home_Owner_N/A` 1 0.0141 25.611 -157846
## - State_TN 1 0.0169 25.614 -157844
## - Collections_12Mo_Exclude_Med 1 0.0176 25.614 -157843
## - pol_12 1 0.0177 25.615 -157843
## - Loan_Amount_Requested 1 0.0222 25.619 -157839
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.637 -157823
## - Debt_To_Income 1 0.0775 25.674 -157789
## - Annual_Income 1 0.0899 25.687 -157778
## - Home_Owner_MORTGAGE 1 0.1082 25.705 -157761
## - pol_13 1 0.1294 25.726 -157742
## - Total_Accounts 1 0.1354 25.732 -157737
## - Revolving_Balance 1 0.1397 25.737 -157733
## - Number_Open_Accounts 1 0.1902 25.787 -157687
## - Income_Verified_VERIFIED_income 1 0.4066 26.003 -157493
## - Public_Record_Count 1 0.4407 26.038 -157463
## - Number_Delinqueny_2yrs 1 0.4735 26.070 -157434
## - Inquiries_Last_6Mo 1 2.4013 27.998 -155779
## - Revolving_Utilization 1 4.4264 30.023 -154159
## - Initial_Loan_Term_Months_36months 1 6.2432 31.840 -152795
##
## Step: AIC=-157859
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_RI + State_WV + State_NM + State_UT + State_AR +
## State_KS + State_OK + State_KY + State_LA + State_OR + State_SC +
## State_TN + State_NV + State_AL + State_WI + State_IN + State_CT +
## State_MO + State_MN + State_CO + State_WA + State_AZ + State_MD +
## State_MA + State_MI + State_NC + State_VA + State_GA + State_OH +
## State_PA + State_IL + State_NJ + State_FL + State_TX + State_NY +
## State_CA
##
## Df Sum of Sq RSS AIC
## - State_UT 1 0.0000 25.597 -157861
## - State_WV 1 0.0001 25.597 -157861
## - State_WI 1 0.0001 25.597 -157861
## - State_MA 1 0.0004 25.597 -157861
## - State_RI 1 0.0004 25.597 -157861
## - State_AL 1 0.0004 25.597 -157861
## - State_IL 1 0.0006 25.597 -157860
## - State_MO 1 0.0007 25.598 -157860
## - State_NJ 1 0.0008 25.598 -157860
## - State_CT 1 0.0008 25.598 -157860
## - State_VA 1 0.0008 25.598 -157860
## - State_OH 1 0.0010 25.598 -157860
## - State_HI 1 0.0011 25.598 -157860
## - State_MN 1 0.0013 25.598 -157860
## - State_AR 1 0.0015 25.598 -157860
## - State_CO 1 0.0015 25.598 -157860
## - pol_11 1 0.0017 25.599 -157859
## - State_KS 1 0.0017 25.599 -157859
## - State_PA 1 0.0018 25.599 -157859
## - State_OR 1 0.0019 25.599 -157859
## - State_GA 1 0.0020 25.599 -157859
## - State_KY 1 0.0020 25.599 -157859
## <none> 25.597 -157859
## - State_OK 1 0.0028 25.600 -157858
## - State_SC 1 0.0034 25.600 -157858
## - pol_10 1 0.0034 25.600 -157858
## - State_NM 1 0.0039 25.601 -157857
## - State_TX 1 0.0042 25.601 -157857
## - State_LA 1 0.0045 25.601 -157857
## - State_IN 1 0.0047 25.601 -157857
## - State_AZ 1 0.0048 25.602 -157857
## - State_MD 1 0.0049 25.602 -157857
## - Length_Employed 1 0.0065 25.603 -157855
## - State_CA 1 0.0067 25.604 -157855
## - State_MI 1 0.0072 25.604 -157854
## - State_WA 1 0.0073 25.604 -157854
## - Home_Owner_RENT 1 0.0078 25.605 -157854
## - State_NC 1 0.0083 25.605 -157853
## - State_NV 1 0.0092 25.606 -157853
## - State_FL 1 0.0107 25.607 -157851
## - State_NY 1 0.0108 25.608 -157851
## - `Home_Owner_N/A` 1 0.0141 25.611 -157848
## - Collections_12Mo_Exclude_Med 1 0.0176 25.614 -157845
## - pol_12 1 0.0177 25.615 -157845
## - State_TN 1 0.0182 25.615 -157844
## - Loan_Amount_Requested 1 0.0222 25.619 -157841
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.637 -157825
## - Debt_To_Income 1 0.0775 25.674 -157791
## - Annual_Income 1 0.0899 25.687 -157780
## - Home_Owner_MORTGAGE 1 0.1082 25.705 -157763
## - pol_13 1 0.1294 25.726 -157744
## - Total_Accounts 1 0.1354 25.732 -157739
## - Revolving_Balance 1 0.1397 25.737 -157735
## - Number_Open_Accounts 1 0.1902 25.787 -157689
## - Income_Verified_VERIFIED_income 1 0.4066 26.003 -157495
## - Public_Record_Count 1 0.4407 26.038 -157465
## - Number_Delinqueny_2yrs 1 0.4737 26.071 -157436
## - Inquiries_Last_6Mo 1 2.4014 27.998 -155781
## - Revolving_Utilization 1 4.4264 30.023 -154160
## - Initial_Loan_Term_Months_36months 1 6.2437 31.841 -152797
##
## Step: AIC=-157861
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_RI + State_WV + State_NM + State_AR + State_KS +
## State_OK + State_KY + State_LA + State_OR + State_SC + State_TN +
## State_NV + State_AL + State_WI + State_IN + State_CT + State_MO +
## State_MN + State_CO + State_WA + State_AZ + State_MD + State_MA +
## State_MI + State_NC + State_VA + State_GA + State_OH + State_PA +
## State_IL + State_NJ + State_FL + State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_WV 1 0.0000 25.597 -157863
## - State_WI 1 0.0001 25.597 -157863
## - State_RI 1 0.0004 25.597 -157863
## - State_AL 1 0.0004 25.597 -157863
## - State_MA 1 0.0005 25.597 -157863
## - State_IL 1 0.0006 25.597 -157862
## - State_MO 1 0.0007 25.598 -157862
## - State_CT 1 0.0007 25.598 -157862
## - State_NJ 1 0.0008 25.598 -157862
## - State_VA 1 0.0008 25.598 -157862
## - State_OH 1 0.0010 25.598 -157862
## - State_HI 1 0.0012 25.598 -157862
## - State_MN 1 0.0013 25.598 -157862
## - State_AR 1 0.0015 25.598 -157862
## - State_CO 1 0.0016 25.598 -157862
## - pol_11 1 0.0017 25.599 -157861
## - State_KS 1 0.0017 25.599 -157861
## - State_OR 1 0.0019 25.599 -157861
## - State_PA 1 0.0019 25.599 -157861
## - State_KY 1 0.0021 25.599 -157861
## - State_GA 1 0.0021 25.599 -157861
## <none> 25.597 -157861
## - State_OK 1 0.0028 25.600 -157860
## - pol_10 1 0.0034 25.600 -157860
## - State_SC 1 0.0035 25.600 -157860
## - State_NM 1 0.0039 25.601 -157859
## - State_LA 1 0.0046 25.601 -157859
## - State_TX 1 0.0048 25.602 -157859
## - State_IN 1 0.0049 25.602 -157859
## - State_AZ 1 0.0052 25.602 -157858
## - State_MD 1 0.0053 25.602 -157858
## - Length_Employed 1 0.0065 25.603 -157857
## - Home_Owner_RENT 1 0.0078 25.605 -157856
## - State_MI 1 0.0078 25.605 -157856
## - State_WA 1 0.0079 25.605 -157856
## - State_CA 1 0.0079 25.605 -157856
## - State_NC 1 0.0091 25.606 -157855
## - State_NV 1 0.0097 25.607 -157854
## - State_FL 1 0.0123 25.609 -157852
## - State_NY 1 0.0126 25.610 -157852
## - `Home_Owner_N/A` 1 0.0141 25.611 -157850
## - Collections_12Mo_Exclude_Med 1 0.0176 25.614 -157847
## - pol_12 1 0.0177 25.615 -157847
## - State_TN 1 0.0193 25.616 -157845
## - Loan_Amount_Requested 1 0.0221 25.619 -157843
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.637 -157827
## - Debt_To_Income 1 0.0775 25.674 -157793
## - Annual_Income 1 0.0899 25.687 -157782
## - Home_Owner_MORTGAGE 1 0.1082 25.705 -157765
## - pol_13 1 0.1294 25.726 -157746
## - Total_Accounts 1 0.1355 25.732 -157740
## - Revolving_Balance 1 0.1397 25.737 -157737
## - Number_Open_Accounts 1 0.1903 25.787 -157691
## - Income_Verified_VERIFIED_income 1 0.4066 26.003 -157497
## - Public_Record_Count 1 0.4411 26.038 -157467
## - Number_Delinqueny_2yrs 1 0.4737 26.071 -157438
## - Inquiries_Last_6Mo 1 2.4015 27.998 -155782
## - Revolving_Utilization 1 4.4264 30.023 -154162
## - Initial_Loan_Term_Months_36months 1 6.2441 31.841 -152799
##
## Step: AIC=-157862.9
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_RI + State_NM + State_AR + State_KS + State_OK +
## State_KY + State_LA + State_OR + State_SC + State_TN + State_NV +
## State_AL + State_WI + State_IN + State_CT + State_MO + State_MN +
## State_CO + State_WA + State_AZ + State_MD + State_MA + State_MI +
## State_NC + State_VA + State_GA + State_OH + State_PA + State_IL +
## State_NJ + State_FL + State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_WI 1 0.0002 25.597 -157865
## - State_RI 1 0.0003 25.597 -157865
## - State_AL 1 0.0003 25.597 -157865
## - State_IL 1 0.0006 25.598 -157864
## - State_MA 1 0.0006 25.598 -157864
## - State_MO 1 0.0006 25.598 -157864
## - State_CT 1 0.0007 25.598 -157864
## - State_NJ 1 0.0007 25.598 -157864
## - State_VA 1 0.0007 25.598 -157864
## - State_OH 1 0.0010 25.598 -157864
## - State_HI 1 0.0012 25.598 -157864
## - State_MN 1 0.0013 25.598 -157864
## - State_AR 1 0.0015 25.598 -157864
## - State_CO 1 0.0016 25.598 -157864
## - State_KS 1 0.0017 25.599 -157863
## - pol_11 1 0.0017 25.599 -157863
## - State_OR 1 0.0019 25.599 -157863
## - State_PA 1 0.0019 25.599 -157863
## - State_KY 1 0.0020 25.599 -157863
## - State_GA 1 0.0021 25.599 -157863
## <none> 25.597 -157863
## - State_OK 1 0.0028 25.600 -157862
## - pol_10 1 0.0034 25.600 -157862
## - State_SC 1 0.0034 25.600 -157862
## - State_NM 1 0.0039 25.601 -157861
## - State_LA 1 0.0046 25.601 -157861
## - State_IN 1 0.0049 25.602 -157860
## - State_TX 1 0.0050 25.602 -157860
## - State_AZ 1 0.0052 25.602 -157860
## - State_MD 1 0.0053 25.602 -157860
## - Length_Employed 1 0.0065 25.603 -157859
## - Home_Owner_RENT 1 0.0078 25.605 -157858
## - State_WA 1 0.0080 25.605 -157858
## - State_MI 1 0.0080 25.605 -157858
## - State_CA 1 0.0084 25.605 -157857
## - State_NC 1 0.0094 25.606 -157856
## - State_NV 1 0.0098 25.607 -157856
## - State_FL 1 0.0130 25.610 -157853
## - State_NY 1 0.0134 25.610 -157853
## - `Home_Owner_N/A` 1 0.0141 25.611 -157852
## - Collections_12Mo_Exclude_Med 1 0.0176 25.614 -157849
## - pol_12 1 0.0177 25.615 -157849
## - State_TN 1 0.0197 25.617 -157847
## - Loan_Amount_Requested 1 0.0221 25.619 -157845
## - Income_Verified_VERIFIED_incomesource 1 0.0400 25.637 -157829
## - Debt_To_Income 1 0.0776 25.674 -157795
## - Annual_Income 1 0.0899 25.687 -157784
## - Home_Owner_MORTGAGE 1 0.1082 25.705 -157767
## - pol_13 1 0.1294 25.726 -157748
## - Total_Accounts 1 0.1355 25.732 -157742
## - Revolving_Balance 1 0.1397 25.737 -157739
## - Number_Open_Accounts 1 0.1902 25.787 -157693
## - Income_Verified_VERIFIED_income 1 0.4066 26.004 -157499
## - Public_Record_Count 1 0.4412 26.038 -157468
## - Number_Delinqueny_2yrs 1 0.4739 26.071 -157439
## - Inquiries_Last_6Mo 1 2.4019 27.999 -155784
## - Revolving_Utilization 1 4.4265 30.023 -154164
## - Initial_Loan_Term_Months_36months 1 6.2451 31.842 -152800
##
## Step: AIC=-157864.8
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_RI + State_NM + State_AR + State_KS + State_OK +
## State_KY + State_LA + State_OR + State_SC + State_TN + State_NV +
## State_AL + State_IN + State_CT + State_MO + State_MN + State_CO +
## State_WA + State_AZ + State_MD + State_MA + State_MI + State_NC +
## State_VA + State_GA + State_OH + State_PA + State_IL + State_NJ +
## State_FL + State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_RI 1 0.0004 25.598 -157866
## - State_MA 1 0.0005 25.598 -157866
## - State_AL 1 0.0005 25.598 -157866
## - State_MO 1 0.0009 25.598 -157866
## - State_IL 1 0.0010 25.598 -157866
## - State_CT 1 0.0010 25.598 -157866
## - State_HI 1 0.0011 25.598 -157866
## - State_VA 1 0.0011 25.598 -157866
## - State_NJ 1 0.0011 25.598 -157866
## - State_OH 1 0.0015 25.599 -157865
## - pol_11 1 0.0017 25.599 -157865
## - State_MN 1 0.0017 25.599 -157865
## - State_AR 1 0.0018 25.599 -157865
## - State_KS 1 0.0020 25.599 -157865
## - State_CO 1 0.0021 25.599 -157865
## <none> 25.597 -157865
## - State_OR 1 0.0023 25.599 -157865
## - State_KY 1 0.0024 25.600 -157865
## - State_PA 1 0.0027 25.600 -157864
## - State_GA 1 0.0028 25.600 -157864
## - State_OK 1 0.0033 25.600 -157864
## - pol_10 1 0.0034 25.600 -157864
## - State_SC 1 0.0041 25.601 -157863
## - State_NM 1 0.0043 25.601 -157863
## - State_LA 1 0.0053 25.602 -157862
## - State_IN 1 0.0058 25.603 -157861
## - State_AZ 1 0.0064 25.603 -157861
## - Length_Employed 1 0.0065 25.604 -157861
## - State_MD 1 0.0065 25.604 -157861
## - State_TX 1 0.0069 25.604 -157860
## - Home_Owner_RENT 1 0.0077 25.605 -157860
## - State_WA 1 0.0096 25.607 -157858
## - State_MI 1 0.0098 25.607 -157858
## - State_NV 1 0.0112 25.608 -157857
## - State_NC 1 0.0114 25.608 -157856
## - State_CA 1 0.0119 25.609 -157856
## - `Home_Owner_N/A` 1 0.0141 25.611 -157854
## - State_FL 1 0.0167 25.614 -157852
## - Collections_12Mo_Exclude_Med 1 0.0176 25.615 -157851
## - State_NY 1 0.0177 25.615 -157851
## - pol_12 1 0.0177 25.615 -157851
## - State_TN 1 0.0220 25.619 -157847
## - Loan_Amount_Requested 1 0.0222 25.619 -157847
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.637 -157830
## - Debt_To_Income 1 0.0777 25.675 -157796
## - Annual_Income 1 0.0898 25.687 -157786
## - Home_Owner_MORTGAGE 1 0.1084 25.705 -157769
## - pol_13 1 0.1295 25.727 -157750
## - Total_Accounts 1 0.1355 25.733 -157744
## - Revolving_Balance 1 0.1400 25.737 -157740
## - Number_Open_Accounts 1 0.1901 25.787 -157695
## - Income_Verified_VERIFIED_income 1 0.4067 26.004 -157501
## - Public_Record_Count 1 0.4410 26.038 -157470
## - Number_Delinqueny_2yrs 1 0.4739 26.071 -157441
## - Inquiries_Last_6Mo 1 2.4017 27.999 -155786
## - Revolving_Utilization 1 4.4269 30.024 -154166
## - Initial_Loan_Term_Months_36months 1 6.2449 31.842 -152802
##
## Step: AIC=-157866.4
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_AR + State_KS + State_OK + State_KY +
## State_LA + State_OR + State_SC + State_TN + State_NV + State_AL +
## State_IN + State_CT + State_MO + State_MN + State_CO + State_WA +
## State_AZ + State_MD + State_MA + State_MI + State_NC + State_VA +
## State_GA + State_OH + State_PA + State_IL + State_NJ + State_FL +
## State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_AL 1 0.0004 25.598 -157868
## - State_MA 1 0.0006 25.598 -157868
## - State_MO 1 0.0007 25.598 -157868
## - State_IL 1 0.0008 25.598 -157868
## - State_CT 1 0.0008 25.598 -157868
## - State_VA 1 0.0009 25.598 -157868
## - State_NJ 1 0.0009 25.598 -157868
## - State_OH 1 0.0012 25.599 -157867
## - State_HI 1 0.0013 25.599 -157867
## - State_MN 1 0.0015 25.599 -157867
## - State_AR 1 0.0016 25.599 -157867
## - pol_11 1 0.0017 25.599 -157867
## - State_CO 1 0.0018 25.599 -157867
## - State_KS 1 0.0018 25.599 -157867
## - State_OR 1 0.0021 25.600 -157866
## <none> 25.598 -157866
## - State_KY 1 0.0022 25.600 -157866
## - State_PA 1 0.0023 25.600 -157866
## - State_GA 1 0.0025 25.600 -157866
## - State_OK 1 0.0030 25.601 -157866
## - pol_10 1 0.0033 25.601 -157865
## - State_SC 1 0.0038 25.601 -157865
## - State_NM 1 0.0041 25.602 -157865
## - State_LA 1 0.0050 25.603 -157864
## - State_IN 1 0.0055 25.603 -157863
## - State_AZ 1 0.0060 25.604 -157863
## - State_MD 1 0.0062 25.604 -157863
## - State_TX 1 0.0065 25.604 -157862
## - Length_Employed 1 0.0066 25.604 -157862
## - Home_Owner_RENT 1 0.0077 25.605 -157861
## - State_WA 1 0.0092 25.607 -157860
## - State_MI 1 0.0094 25.607 -157860
## - State_NV 1 0.0108 25.608 -157859
## - State_NC 1 0.0109 25.608 -157858
## - State_CA 1 0.0115 25.609 -157858
## - `Home_Owner_N/A` 1 0.0142 25.612 -157856
## - State_FL 1 0.0163 25.614 -157854
## - State_NY 1 0.0174 25.615 -157853
## - Collections_12Mo_Exclude_Med 1 0.0176 25.615 -157852
## - pol_12 1 0.0177 25.615 -157852
## - State_TN 1 0.0215 25.619 -157849
## - Loan_Amount_Requested 1 0.0222 25.620 -157848
## - Income_Verified_VERIFIED_incomesource 1 0.0400 25.638 -157832
## - Debt_To_Income 1 0.0775 25.675 -157798
## - Annual_Income 1 0.0898 25.687 -157787
## - Home_Owner_MORTGAGE 1 0.1086 25.706 -157770
## - pol_13 1 0.1296 25.727 -157751
## - Total_Accounts 1 0.1356 25.733 -157746
## - Revolving_Balance 1 0.1399 25.737 -157742
## - Number_Open_Accounts 1 0.1904 25.788 -157696
## - Income_Verified_VERIFIED_income 1 0.4066 26.004 -157503
## - Public_Record_Count 1 0.4408 26.038 -157472
## - Number_Delinqueny_2yrs 1 0.4738 26.071 -157443
## - Inquiries_Last_6Mo 1 2.4014 27.999 -155788
## - Revolving_Utilization 1 4.4284 30.026 -154166
## - Initial_Loan_Term_Months_36months 1 6.2445 31.842 -152804
##
## Step: AIC=-157868
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_AR + State_KS + State_OK + State_KY +
## State_LA + State_OR + State_SC + State_TN + State_NV + State_IN +
## State_CT + State_MO + State_MN + State_CO + State_WA + State_AZ +
## State_MD + State_MA + State_MI + State_NC + State_VA + State_GA +
## State_OH + State_PA + State_IL + State_NJ + State_FL + State_TX +
## State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_IL 1 0.0005 25.598 -157870
## - State_MO 1 0.0005 25.598 -157869
## - State_CT 1 0.0006 25.599 -157869
## - State_NJ 1 0.0007 25.599 -157869
## - State_VA 1 0.0007 25.599 -157869
## - State_MA 1 0.0009 25.599 -157869
## - State_OH 1 0.0010 25.599 -157869
## - State_MN 1 0.0013 25.599 -157869
## - State_AR 1 0.0014 25.599 -157869
## - State_HI 1 0.0014 25.599 -157869
## - State_CO 1 0.0015 25.599 -157869
## - State_KS 1 0.0016 25.600 -157869
## - pol_11 1 0.0017 25.600 -157868
## - State_OR 1 0.0018 25.600 -157868
## - State_KY 1 0.0020 25.600 -157868
## - State_PA 1 0.0020 25.600 -157868
## - State_GA 1 0.0022 25.600 -157868
## <none> 25.598 -157868
## - State_OK 1 0.0028 25.601 -157868
## - pol_10 1 0.0034 25.601 -157867
## - State_SC 1 0.0035 25.601 -157867
## - State_NM 1 0.0038 25.602 -157867
## - State_LA 1 0.0047 25.603 -157866
## - State_IN 1 0.0051 25.603 -157865
## - State_AZ 1 0.0056 25.604 -157865
## - State_MD 1 0.0058 25.604 -157865
## - State_TX 1 0.0061 25.604 -157864
## - Length_Employed 1 0.0066 25.604 -157864
## - Home_Owner_RENT 1 0.0077 25.606 -157863
## - State_WA 1 0.0088 25.607 -157862
## - State_MI 1 0.0090 25.607 -157862
## - State_NV 1 0.0104 25.608 -157861
## - State_NC 1 0.0106 25.609 -157860
## - State_CA 1 0.0114 25.609 -157860
## - `Home_Owner_N/A` 1 0.0143 25.612 -157857
## - State_FL 1 0.0164 25.614 -157855
## - State_NY 1 0.0175 25.615 -157854
## - Collections_12Mo_Exclude_Med 1 0.0177 25.616 -157854
## - pol_12 1 0.0178 25.616 -157854
## - State_TN 1 0.0212 25.619 -157851
## - Loan_Amount_Requested 1 0.0221 25.620 -157850
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.638 -157834
## - Debt_To_Income 1 0.0777 25.676 -157800
## - Annual_Income 1 0.0898 25.688 -157789
## - Home_Owner_MORTGAGE 1 0.1088 25.707 -157772
## - pol_13 1 0.1297 25.728 -157753
## - Total_Accounts 1 0.1356 25.734 -157747
## - Revolving_Balance 1 0.1399 25.738 -157744
## - Number_Open_Accounts 1 0.1903 25.788 -157698
## - Income_Verified_VERIFIED_income 1 0.4071 26.005 -157504
## - Public_Record_Count 1 0.4406 26.039 -157474
## - Number_Delinqueny_2yrs 1 0.4736 26.072 -157445
## - Inquiries_Last_6Mo 1 2.4016 27.999 -155790
## - Revolving_Utilization 1 4.4289 30.027 -154168
## - Initial_Loan_Term_Months_36months 1 6.2470 31.845 -152804
##
## Step: AIC=-157869.5
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_AR + State_KS + State_OK + State_KY +
## State_LA + State_OR + State_SC + State_TN + State_NV + State_IN +
## State_CT + State_MO + State_MN + State_CO + State_WA + State_AZ +
## State_MD + State_MA + State_MI + State_NC + State_VA + State_GA +
## State_OH + State_PA + State_NJ + State_FL + State_TX + State_NY +
## State_CA
##
## Df Sum of Sq RSS AIC
## - State_MO 1 0.0003 25.599 -157871
## - State_NJ 1 0.0003 25.599 -157871
## - State_VA 1 0.0004 25.599 -157871
## - State_CT 1 0.0004 25.599 -157871
## - State_OH 1 0.0006 25.599 -157871
## - State_MN 1 0.0009 25.599 -157871
## - State_AR 1 0.0011 25.600 -157871
## - State_CO 1 0.0012 25.600 -157870
## - State_KS 1 0.0013 25.600 -157870
## - State_OR 1 0.0015 25.600 -157870
## - State_PA 1 0.0015 25.600 -157870
## - State_MA 1 0.0016 25.600 -157870
## - State_KY 1 0.0016 25.600 -157870
## - State_GA 1 0.0017 25.600 -157870
## - pol_11 1 0.0017 25.600 -157870
## - State_HI 1 0.0018 25.600 -157870
## <none> 25.598 -157870
## - State_OK 1 0.0024 25.601 -157869
## - State_SC 1 0.0031 25.602 -157869
## - pol_10 1 0.0034 25.602 -157868
## - State_NM 1 0.0035 25.602 -157868
## - State_LA 1 0.0042 25.603 -157868
## - State_IN 1 0.0046 25.603 -157867
## - State_AZ 1 0.0051 25.604 -157867
## - State_MD 1 0.0052 25.604 -157867
## - State_TX 1 0.0057 25.604 -157866
## - Length_Employed 1 0.0065 25.605 -157866
## - Home_Owner_RENT 1 0.0077 25.606 -157865
## - State_WA 1 0.0083 25.607 -157864
## - State_MI 1 0.0086 25.607 -157864
## - State_NV 1 0.0099 25.608 -157863
## - State_NC 1 0.0102 25.609 -157862
## - State_CA 1 0.0121 25.611 -157861
## - `Home_Owner_N/A` 1 0.0142 25.613 -157859
## - State_FL 1 0.0169 25.615 -157856
## - Collections_12Mo_Exclude_Med 1 0.0177 25.616 -157855
## - pol_12 1 0.0178 25.616 -157855
## - State_NY 1 0.0186 25.617 -157855
## - State_TN 1 0.0208 25.619 -157853
## - Loan_Amount_Requested 1 0.0221 25.621 -157851
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.639 -157835
## - Debt_To_Income 1 0.0774 25.676 -157801
## - Annual_Income 1 0.0896 25.688 -157790
## - Home_Owner_MORTGAGE 1 0.1088 25.707 -157773
## - pol_13 1 0.1294 25.728 -157755
## - Total_Accounts 1 0.1359 25.734 -157749
## - Revolving_Balance 1 0.1397 25.738 -157745
## - Number_Open_Accounts 1 0.1909 25.789 -157699
## - Income_Verified_VERIFIED_income 1 0.4072 26.006 -157505
## - Public_Record_Count 1 0.4403 26.039 -157476
## - Number_Delinqueny_2yrs 1 0.4737 26.072 -157446
## - Inquiries_Last_6Mo 1 2.4054 28.004 -155788
## - Revolving_Utilization 1 4.4284 30.027 -154170
## - Initial_Loan_Term_Months_36months 1 6.2469 31.845 -152806
##
## Step: AIC=-157871.2
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_AR + State_KS + State_OK + State_KY +
## State_LA + State_OR + State_SC + State_TN + State_NV + State_IN +
## State_CT + State_MN + State_CO + State_WA + State_AZ + State_MD +
## State_MA + State_MI + State_NC + State_VA + State_GA + State_OH +
## State_PA + State_NJ + State_FL + State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_NJ 1 0.0002 25.599 -157873
## - State_VA 1 0.0003 25.599 -157873
## - State_CT 1 0.0003 25.599 -157873
## - State_OH 1 0.0005 25.599 -157873
## - State_MN 1 0.0008 25.600 -157872
## - State_AR 1 0.0010 25.600 -157872
## - State_CO 1 0.0010 25.600 -157872
## - State_KS 1 0.0012 25.600 -157872
## - State_PA 1 0.0013 25.600 -157872
## - State_OR 1 0.0013 25.600 -157872
## - State_GA 1 0.0015 25.600 -157872
## - State_KY 1 0.0015 25.600 -157872
## - pol_11 1 0.0017 25.600 -157872
## - State_MA 1 0.0018 25.601 -157872
## - State_HI 1 0.0019 25.601 -157872
## <none> 25.599 -157871
## - State_OK 1 0.0022 25.601 -157871
## - State_SC 1 0.0029 25.602 -157871
## - State_NM 1 0.0033 25.602 -157870
## - pol_10 1 0.0034 25.602 -157870
## - State_LA 1 0.0040 25.603 -157870
## - State_IN 1 0.0044 25.603 -157869
## - State_AZ 1 0.0048 25.604 -157869
## - State_MD 1 0.0050 25.604 -157869
## - State_TX 1 0.0054 25.604 -157868
## - Length_Employed 1 0.0065 25.605 -157867
## - Home_Owner_RENT 1 0.0077 25.606 -157866
## - State_WA 1 0.0080 25.607 -157866
## - State_MI 1 0.0082 25.607 -157866
## - State_NV 1 0.0096 25.608 -157865
## - State_NC 1 0.0098 25.609 -157864
## - State_CA 1 0.0119 25.611 -157862
## - `Home_Owner_N/A` 1 0.0142 25.613 -157860
## - State_FL 1 0.0167 25.615 -157858
## - Collections_12Mo_Exclude_Med 1 0.0177 25.616 -157857
## - pol_12 1 0.0178 25.617 -157857
## - State_NY 1 0.0184 25.617 -157857
## - State_TN 1 0.0205 25.619 -157855
## - Loan_Amount_Requested 1 0.0220 25.621 -157853
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.639 -157837
## - Debt_To_Income 1 0.0775 25.676 -157803
## - Annual_Income 1 0.0897 25.689 -157792
## - Home_Owner_MORTGAGE 1 0.1087 25.707 -157775
## - pol_13 1 0.1294 25.728 -157756
## - Total_Accounts 1 0.1357 25.734 -157751
## - Revolving_Balance 1 0.1397 25.738 -157747
## - Number_Open_Accounts 1 0.1907 25.789 -157701
## - Income_Verified_VERIFIED_income 1 0.4073 26.006 -157507
## - Public_Record_Count 1 0.4401 26.039 -157478
## - Number_Delinqueny_2yrs 1 0.4734 26.072 -157448
## - Inquiries_Last_6Mo 1 2.4056 28.004 -155789
## - Revolving_Utilization 1 4.4280 30.027 -154172
## - Initial_Loan_Term_Months_36months 1 6.2487 31.847 -152806
##
## Step: AIC=-157873
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_AR + State_KS + State_OK + State_KY +
## State_LA + State_OR + State_SC + State_TN + State_NV + State_IN +
## State_CT + State_MN + State_CO + State_WA + State_AZ + State_MD +
## State_MA + State_MI + State_NC + State_VA + State_GA + State_OH +
## State_PA + State_FL + State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_VA 1 0.0002 25.599 -157875
## - State_CT 1 0.0002 25.599 -157875
## - State_OH 1 0.0004 25.599 -157875
## - State_MN 1 0.0007 25.600 -157874
## - State_CO 1 0.0009 25.600 -157874
## - State_AR 1 0.0009 25.600 -157874
## - State_KS 1 0.0011 25.600 -157874
## - State_PA 1 0.0011 25.600 -157874
## - State_OR 1 0.0012 25.600 -157874
## - State_GA 1 0.0013 25.600 -157874
## - State_KY 1 0.0014 25.600 -157874
## - pol_11 1 0.0017 25.601 -157873
## - State_HI 1 0.0020 25.601 -157873
## - State_OK 1 0.0021 25.601 -157873
## - State_MA 1 0.0022 25.601 -157873
## <none> 25.599 -157873
## - State_SC 1 0.0027 25.602 -157873
## - State_NM 1 0.0032 25.602 -157872
## - pol_10 1 0.0034 25.602 -157872
## - State_LA 1 0.0038 25.603 -157872
## - State_IN 1 0.0042 25.603 -157871
## - State_AZ 1 0.0046 25.604 -157871
## - State_MD 1 0.0047 25.604 -157871
## - State_TX 1 0.0052 25.604 -157870
## - Length_Employed 1 0.0065 25.606 -157869
## - Home_Owner_RENT 1 0.0077 25.607 -157868
## - State_WA 1 0.0078 25.607 -157868
## - State_MI 1 0.0080 25.607 -157868
## - State_NV 1 0.0094 25.608 -157867
## - State_NC 1 0.0096 25.609 -157866
## - State_CA 1 0.0123 25.611 -157864
## - `Home_Owner_N/A` 1 0.0142 25.613 -157862
## - State_FL 1 0.0169 25.616 -157860
## - Collections_12Mo_Exclude_Med 1 0.0177 25.617 -157859
## - pol_12 1 0.0178 25.617 -157859
## - State_NY 1 0.0190 25.618 -157858
## - State_TN 1 0.0203 25.619 -157857
## - Loan_Amount_Requested 1 0.0220 25.621 -157855
## - Income_Verified_VERIFIED_incomesource 1 0.0400 25.639 -157839
## - Debt_To_Income 1 0.0773 25.676 -157805
## - Annual_Income 1 0.0895 25.689 -157794
## - Home_Owner_MORTGAGE 1 0.1088 25.708 -157777
## - pol_13 1 0.1296 25.729 -157758
## - Total_Accounts 1 0.1361 25.735 -157752
## - Revolving_Balance 1 0.1396 25.739 -157749
## - Number_Open_Accounts 1 0.1917 25.791 -157702
## - Income_Verified_VERIFIED_income 1 0.4075 26.007 -157509
## - Public_Record_Count 1 0.4402 26.039 -157479
## - Number_Delinqueny_2yrs 1 0.4741 26.073 -157449
## - Inquiries_Last_6Mo 1 2.4054 28.004 -155791
## - Revolving_Utilization 1 4.4278 30.027 -154174
## - Initial_Loan_Term_Months_36months 1 6.2499 31.849 -152807
##
## Step: AIC=-157874.8
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_AR + State_KS + State_OK + State_KY +
## State_LA + State_OR + State_SC + State_TN + State_NV + State_IN +
## State_CT + State_MN + State_CO + State_WA + State_AZ + State_MD +
## State_MA + State_MI + State_NC + State_GA + State_OH + State_PA +
## State_FL + State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_CT 1 0.0002 25.599 -157877
## - State_OH 1 0.0003 25.599 -157877
## - State_MN 1 0.0006 25.600 -157876
## - State_CO 1 0.0008 25.600 -157876
## - State_AR 1 0.0008 25.600 -157876
## - State_PA 1 0.0010 25.600 -157876
## - State_KS 1 0.0010 25.600 -157876
## - State_OR 1 0.0011 25.600 -157876
## - State_GA 1 0.0012 25.600 -157876
## - State_KY 1 0.0013 25.601 -157876
## - pol_11 1 0.0017 25.601 -157875
## - State_OK 1 0.0020 25.601 -157875
## - State_HI 1 0.0021 25.601 -157875
## <none> 25.599 -157875
## - State_MA 1 0.0024 25.602 -157875
## - State_SC 1 0.0026 25.602 -157875
## - State_NM 1 0.0031 25.602 -157874
## - pol_10 1 0.0034 25.603 -157874
## - State_LA 1 0.0037 25.603 -157873
## - State_IN 1 0.0040 25.603 -157873
## - State_AZ 1 0.0044 25.604 -157873
## - State_MD 1 0.0046 25.604 -157873
## - State_TX 1 0.0051 25.604 -157872
## - Length_Employed 1 0.0065 25.606 -157871
## - State_WA 1 0.0076 25.607 -157870
## - Home_Owner_RENT 1 0.0078 25.607 -157870
## - State_MI 1 0.0078 25.607 -157870
## - State_NV 1 0.0092 25.608 -157868
## - State_NC 1 0.0095 25.609 -157868
## - State_CA 1 0.0125 25.612 -157866
## - `Home_Owner_N/A` 1 0.0142 25.613 -157864
## - State_FL 1 0.0170 25.616 -157861
## - Collections_12Mo_Exclude_Med 1 0.0177 25.617 -157861
## - pol_12 1 0.0178 25.617 -157861
## - State_NY 1 0.0192 25.618 -157859
## - State_TN 1 0.0201 25.619 -157859
## - Loan_Amount_Requested 1 0.0220 25.621 -157857
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.639 -157840
## - Debt_To_Income 1 0.0772 25.676 -157807
## - Annual_Income 1 0.0895 25.689 -157796
## - Home_Owner_MORTGAGE 1 0.1088 25.708 -157778
## - pol_13 1 0.1297 25.729 -157760
## - Total_Accounts 1 0.1361 25.735 -157754
## - Revolving_Balance 1 0.1396 25.739 -157751
## - Number_Open_Accounts 1 0.1917 25.791 -157704
## - Income_Verified_VERIFIED_income 1 0.4077 26.007 -157510
## - Public_Record_Count 1 0.4401 26.039 -157481
## - Number_Delinqueny_2yrs 1 0.4742 26.073 -157451
## - Inquiries_Last_6Mo 1 2.4054 28.005 -155793
## - Revolving_Utilization 1 4.4276 30.027 -154176
## - Initial_Loan_Term_Months_36months 1 6.2506 31.850 -152808
##
## Step: AIC=-157876.7
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_AR + State_KS + State_OK + State_KY +
## State_LA + State_OR + State_SC + State_TN + State_NV + State_IN +
## State_MN + State_CO + State_WA + State_AZ + State_MD + State_MA +
## State_MI + State_NC + State_GA + State_OH + State_PA + State_FL +
## State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_OH 1 0.0003 25.600 -157878
## - State_MN 1 0.0005 25.600 -157878
## - State_CO 1 0.0007 25.600 -157878
## - State_AR 1 0.0008 25.600 -157878
## - State_PA 1 0.0009 25.600 -157878
## - State_KS 1 0.0010 25.600 -157878
## - State_OR 1 0.0011 25.600 -157878
## - State_GA 1 0.0011 25.600 -157878
## - State_KY 1 0.0012 25.601 -157878
## - pol_11 1 0.0017 25.601 -157877
## - State_OK 1 0.0019 25.601 -157877
## - State_HI 1 0.0022 25.602 -157877
## <none> 25.599 -157877
## - State_SC 1 0.0025 25.602 -157876
## - State_MA 1 0.0026 25.602 -157876
## - State_NM 1 0.0030 25.602 -157876
## - pol_10 1 0.0034 25.603 -157876
## - State_LA 1 0.0036 25.603 -157875
## - State_IN 1 0.0039 25.603 -157875
## - State_AZ 1 0.0043 25.604 -157875
## - State_MD 1 0.0044 25.604 -157875
## - State_TX 1 0.0049 25.604 -157874
## - Length_Employed 1 0.0065 25.606 -157873
## - State_WA 1 0.0074 25.607 -157872
## - State_MI 1 0.0077 25.607 -157872
## - Home_Owner_RENT 1 0.0078 25.607 -157872
## - State_NV 1 0.0091 25.608 -157870
## - State_NC 1 0.0093 25.609 -157870
## - State_CA 1 0.0123 25.612 -157867
## - `Home_Owner_N/A` 1 0.0142 25.614 -157866
## - State_FL 1 0.0168 25.616 -157863
## - Collections_12Mo_Exclude_Med 1 0.0177 25.617 -157863
## - pol_12 1 0.0178 25.617 -157863
## - State_NY 1 0.0191 25.618 -157861
## - State_TN 1 0.0199 25.619 -157861
## - Loan_Amount_Requested 1 0.0220 25.621 -157859
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.640 -157842
## - Debt_To_Income 1 0.0771 25.676 -157809
## - Annual_Income 1 0.0895 25.689 -157798
## - Home_Owner_MORTGAGE 1 0.1088 25.708 -157780
## - pol_13 1 0.1298 25.729 -157761
## - Total_Accounts 1 0.1362 25.736 -157756
## - Revolving_Balance 1 0.1394 25.739 -157753
## - Number_Open_Accounts 1 0.1920 25.791 -157705
## - Income_Verified_VERIFIED_income 1 0.4077 26.007 -157512
## - Public_Record_Count 1 0.4402 26.040 -157483
## - Number_Delinqueny_2yrs 1 0.4745 26.074 -157453
## - Inquiries_Last_6Mo 1 2.4056 28.005 -155795
## - Revolving_Utilization 1 4.4284 30.028 -154177
## - Initial_Loan_Term_Months_36months 1 6.2509 31.850 -152810
##
## Step: AIC=-157878.4
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_AR + State_KS + State_OK + State_KY +
## State_LA + State_OR + State_SC + State_TN + State_NV + State_IN +
## State_MN + State_CO + State_WA + State_AZ + State_MD + State_MA +
## State_MI + State_NC + State_GA + State_PA + State_FL + State_TX +
## State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_MN 1 0.0005 25.600 -157880
## - State_CO 1 0.0006 25.600 -157880
## - State_AR 1 0.0007 25.600 -157880
## - State_PA 1 0.0008 25.600 -157880
## - State_KS 1 0.0009 25.601 -157880
## - State_OR 1 0.0010 25.601 -157880
## - State_GA 1 0.0010 25.601 -157880
## - State_KY 1 0.0012 25.601 -157879
## - pol_11 1 0.0017 25.601 -157879
## - State_OK 1 0.0018 25.601 -157879
## <none> 25.600 -157878
## - State_HI 1 0.0023 25.602 -157878
## - State_SC 1 0.0024 25.602 -157878
## - State_MA 1 0.0028 25.602 -157878
## - State_NM 1 0.0029 25.603 -157878
## - pol_10 1 0.0034 25.603 -157877
## - State_LA 1 0.0035 25.603 -157877
## - State_IN 1 0.0038 25.603 -157877
## - State_AZ 1 0.0041 25.604 -157877
## - State_MD 1 0.0043 25.604 -157877
## - State_TX 1 0.0046 25.604 -157876
## - Length_Employed 1 0.0065 25.606 -157875
## - State_WA 1 0.0072 25.607 -157874
## - State_MI 1 0.0074 25.607 -157874
## - Home_Owner_RENT 1 0.0077 25.607 -157873
## - State_NV 1 0.0089 25.609 -157872
## - State_NC 1 0.0090 25.609 -157872
## - State_CA 1 0.0122 25.612 -157869
## - `Home_Owner_N/A` 1 0.0142 25.614 -157868
## - State_FL 1 0.0166 25.616 -157865
## - Collections_12Mo_Exclude_Med 1 0.0177 25.617 -157864
## - pol_12 1 0.0178 25.617 -157864
## - State_NY 1 0.0190 25.619 -157863
## - State_TN 1 0.0197 25.619 -157863
## - Loan_Amount_Requested 1 0.0220 25.622 -157861
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.640 -157844
## - Debt_To_Income 1 0.0773 25.677 -157810
## - Annual_Income 1 0.0898 25.689 -157799
## - Home_Owner_MORTGAGE 1 0.1087 25.708 -157782
## - pol_13 1 0.1298 25.729 -157763
## - Total_Accounts 1 0.1367 25.736 -157757
## - Revolving_Balance 1 0.1394 25.739 -157754
## - Number_Open_Accounts 1 0.1923 25.792 -157707
## - Income_Verified_VERIFIED_income 1 0.4076 26.007 -157514
## - Public_Record_Count 1 0.4407 26.040 -157484
## - Number_Delinqueny_2yrs 1 0.4745 26.074 -157454
## - Inquiries_Last_6Mo 1 2.4058 28.005 -155797
## - Revolving_Utilization 1 4.4281 30.028 -154179
## - Initial_Loan_Term_Months_36months 1 6.2514 31.851 -152811
##
## Step: AIC=-157880
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_AR + State_KS + State_OK + State_KY +
## State_LA + State_OR + State_SC + State_TN + State_NV + State_IN +
## State_CO + State_WA + State_AZ + State_MD + State_MA + State_MI +
## State_NC + State_GA + State_PA + State_FL + State_TX + State_NY +
## State_CA
##
## Df Sum of Sq RSS AIC
## - State_CO 1 0.0006 25.601 -157882
## - State_AR 1 0.0007 25.601 -157881
## - State_PA 1 0.0007 25.601 -157881
## - State_KS 1 0.0009 25.601 -157881
## - State_GA 1 0.0009 25.601 -157881
## - State_OR 1 0.0009 25.601 -157881
## - State_KY 1 0.0011 25.601 -157881
## - pol_11 1 0.0017 25.602 -157880
## - State_OK 1 0.0017 25.602 -157880
## <none> 25.600 -157880
## - State_SC 1 0.0023 25.602 -157880
## - State_HI 1 0.0023 25.602 -157880
## - State_NM 1 0.0028 25.603 -157879
## - State_MA 1 0.0030 25.603 -157879
## - State_LA 1 0.0033 25.603 -157879
## - pol_10 1 0.0034 25.603 -157879
## - State_IN 1 0.0036 25.604 -157879
## - State_AZ 1 0.0039 25.604 -157878
## - State_MD 1 0.0041 25.604 -157878
## - State_TX 1 0.0043 25.604 -157878
## - Length_Employed 1 0.0065 25.607 -157876
## - State_WA 1 0.0070 25.607 -157876
## - State_MI 1 0.0072 25.607 -157875
## - Home_Owner_RENT 1 0.0078 25.608 -157875
## - State_NV 1 0.0087 25.609 -157874
## - State_NC 1 0.0088 25.609 -157874
## - State_CA 1 0.0117 25.612 -157871
## - `Home_Owner_N/A` 1 0.0141 25.614 -157869
## - State_FL 1 0.0162 25.616 -157867
## - Collections_12Mo_Exclude_Med 1 0.0176 25.618 -157866
## - pol_12 1 0.0178 25.618 -157866
## - State_NY 1 0.0185 25.619 -157865
## - State_TN 1 0.0194 25.620 -157864
## - Loan_Amount_Requested 1 0.0220 25.622 -157862
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.640 -157846
## - Debt_To_Income 1 0.0772 25.677 -157812
## - Annual_Income 1 0.0901 25.690 -157800
## - Home_Owner_MORTGAGE 1 0.1085 25.709 -157784
## - pol_13 1 0.1296 25.730 -157765
## - Total_Accounts 1 0.1365 25.737 -157759
## - Revolving_Balance 1 0.1393 25.739 -157756
## - Number_Open_Accounts 1 0.1924 25.792 -157708
## - Income_Verified_VERIFIED_income 1 0.4075 26.008 -157516
## - Public_Record_Count 1 0.4405 26.041 -157486
## - Number_Delinqueny_2yrs 1 0.4743 26.074 -157456
## - Inquiries_Last_6Mo 1 2.4055 28.006 -155798
## - Revolving_Utilization 1 4.4300 30.030 -154179
## - Initial_Loan_Term_Months_36months 1 6.2515 31.852 -152813
##
## Step: AIC=-157881.5
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_AR + State_KS + State_OK + State_KY +
## State_LA + State_OR + State_SC + State_TN + State_NV + State_IN +
## State_WA + State_AZ + State_MD + State_MA + State_MI + State_NC +
## State_GA + State_PA + State_FL + State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_PA 1 0.0006 25.601 -157883
## - State_AR 1 0.0006 25.601 -157883
## - State_GA 1 0.0007 25.601 -157883
## - State_KS 1 0.0008 25.601 -157883
## - State_OR 1 0.0008 25.601 -157883
## - State_KY 1 0.0010 25.602 -157883
## - State_OK 1 0.0016 25.602 -157882
## - pol_11 1 0.0017 25.602 -157882
## - State_SC 1 0.0021 25.603 -157882
## <none> 25.601 -157882
## - State_HI 1 0.0024 25.603 -157881
## - State_NM 1 0.0027 25.603 -157881
## - State_LA 1 0.0032 25.604 -157881
## - State_MA 1 0.0032 25.604 -157881
## - pol_10 1 0.0033 25.604 -157880
## - State_IN 1 0.0035 25.604 -157880
## - State_AZ 1 0.0037 25.604 -157880
## - State_MD 1 0.0039 25.605 -157880
## - State_TX 1 0.0040 25.605 -157880
## - Length_Employed 1 0.0063 25.607 -157878
## - State_WA 1 0.0067 25.607 -157877
## - State_MI 1 0.0069 25.608 -157877
## - Home_Owner_RENT 1 0.0078 25.608 -157876
## - State_NV 1 0.0084 25.609 -157876
## - State_NC 1 0.0085 25.609 -157876
## - State_CA 1 0.0112 25.612 -157873
## - `Home_Owner_N/A` 1 0.0141 25.615 -157871
## - State_FL 1 0.0157 25.616 -157869
## - Collections_12Mo_Exclude_Med 1 0.0176 25.618 -157868
## - pol_12 1 0.0178 25.618 -157867
## - State_NY 1 0.0180 25.619 -157867
## - State_TN 1 0.0191 25.620 -157866
## - Loan_Amount_Requested 1 0.0220 25.623 -157864
## - Income_Verified_VERIFIED_incomesource 1 0.0400 25.641 -157847
## - Debt_To_Income 1 0.0773 25.678 -157814
## - Annual_Income 1 0.0903 25.691 -157802
## - Home_Owner_MORTGAGE 1 0.1084 25.709 -157785
## - pol_13 1 0.1297 25.730 -157766
## - Total_Accounts 1 0.1363 25.737 -157760
## - Revolving_Balance 1 0.1395 25.740 -157757
## - Number_Open_Accounts 1 0.1921 25.793 -157710
## - Income_Verified_VERIFIED_income 1 0.4073 26.008 -157517
## - Public_Record_Count 1 0.4409 26.042 -157487
## - Number_Delinqueny_2yrs 1 0.4740 26.075 -157458
## - Inquiries_Last_6Mo 1 2.4068 28.007 -155799
## - Revolving_Utilization 1 4.4315 30.032 -154180
## - Initial_Loan_Term_Months_36months 1 6.2529 31.854 -152814
##
## Step: AIC=-157883
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_AR + State_KS + State_OK + State_KY +
## State_LA + State_OR + State_SC + State_TN + State_NV + State_IN +
## State_WA + State_AZ + State_MD + State_MA + State_MI + State_NC +
## State_GA + State_FL + State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_AR 1 0.0006 25.602 -157884
## - State_GA 1 0.0006 25.602 -157884
## - State_KS 1 0.0007 25.602 -157884
## - State_OR 1 0.0007 25.602 -157884
## - State_KY 1 0.0009 25.602 -157884
## - State_OK 1 0.0015 25.603 -157884
## - pol_11 1 0.0017 25.603 -157883
## - State_SC 1 0.0020 25.603 -157883
## <none> 25.601 -157883
## - State_HI 1 0.0025 25.604 -157883
## - State_NM 1 0.0026 25.604 -157883
## - State_LA 1 0.0030 25.604 -157882
## - State_IN 1 0.0033 25.605 -157882
## - pol_10 1 0.0034 25.605 -157882
## - State_AZ 1 0.0035 25.605 -157882
## - State_MA 1 0.0035 25.605 -157882
## - State_MD 1 0.0036 25.605 -157882
## - State_TX 1 0.0036 25.605 -157882
## - Length_Employed 1 0.0064 25.608 -157879
## - State_WA 1 0.0064 25.608 -157879
## - State_MI 1 0.0066 25.608 -157879
## - Home_Owner_RENT 1 0.0078 25.609 -157878
## - State_NC 1 0.0081 25.609 -157878
## - State_NV 1 0.0081 25.609 -157878
## - State_CA 1 0.0106 25.612 -157875
## - `Home_Owner_N/A` 1 0.0141 25.615 -157872
## - State_FL 1 0.0151 25.616 -157871
## - State_NY 1 0.0174 25.619 -157869
## - Collections_12Mo_Exclude_Med 1 0.0176 25.619 -157869
## - pol_12 1 0.0179 25.619 -157869
## - State_TN 1 0.0187 25.620 -157868
## - Loan_Amount_Requested 1 0.0220 25.623 -157865
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.641 -157849
## - Debt_To_Income 1 0.0774 25.679 -157815
## - Annual_Income 1 0.0905 25.692 -157803
## - Home_Owner_MORTGAGE 1 0.1085 25.710 -157787
## - pol_13 1 0.1296 25.731 -157768
## - Total_Accounts 1 0.1363 25.738 -157762
## - Revolving_Balance 1 0.1394 25.741 -157759
## - Number_Open_Accounts 1 0.1922 25.793 -157711
## - Income_Verified_VERIFIED_income 1 0.4075 26.009 -157519
## - Public_Record_Count 1 0.4409 26.042 -157489
## - Number_Delinqueny_2yrs 1 0.4739 26.075 -157459
## - Inquiries_Last_6Mo 1 2.4077 28.009 -155800
## - Revolving_Utilization 1 4.4309 30.032 -154182
## - Initial_Loan_Term_Months_36months 1 6.2535 31.855 -152815
##
## Step: AIC=-157884.5
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_KS + State_OK + State_KY + State_LA +
## State_OR + State_SC + State_TN + State_NV + State_IN + State_WA +
## State_AZ + State_MD + State_MA + State_MI + State_NC + State_GA +
## State_FL + State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_GA 1 0.0006 25.602 -157886
## - State_KS 1 0.0007 25.603 -157886
## - State_OR 1 0.0007 25.603 -157886
## - State_KY 1 0.0009 25.603 -157886
## - State_OK 1 0.0015 25.603 -157885
## - pol_11 1 0.0017 25.604 -157885
## - State_SC 1 0.0019 25.604 -157885
## <none> 25.602 -157884
## - State_NM 1 0.0026 25.604 -157884
## - State_HI 1 0.0026 25.604 -157884
## - State_LA 1 0.0030 25.605 -157884
## - State_IN 1 0.0032 25.605 -157884
## - pol_10 1 0.0033 25.605 -157883
## - State_AZ 1 0.0034 25.605 -157883
## - State_TX 1 0.0034 25.605 -157883
## - State_MD 1 0.0035 25.605 -157883
## - State_MA 1 0.0037 25.605 -157883
## - State_WA 1 0.0063 25.608 -157881
## - Length_Employed 1 0.0063 25.608 -157881
## - State_MI 1 0.0064 25.608 -157881
## - Home_Owner_RENT 1 0.0077 25.610 -157880
## - State_NC 1 0.0079 25.610 -157879
## - State_NV 1 0.0080 25.610 -157879
## - State_CA 1 0.0103 25.612 -157877
## - `Home_Owner_N/A` 1 0.0142 25.616 -157874
## - State_FL 1 0.0148 25.617 -157873
## - State_NY 1 0.0170 25.619 -157871
## - Collections_12Mo_Exclude_Med 1 0.0176 25.619 -157870
## - pol_12 1 0.0179 25.620 -157870
## - State_TN 1 0.0185 25.620 -157870
## - Loan_Amount_Requested 1 0.0219 25.624 -157867
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.642 -157850
## - Debt_To_Income 1 0.0776 25.679 -157816
## - Annual_Income 1 0.0906 25.692 -157805
## - Home_Owner_MORTGAGE 1 0.1087 25.711 -157788
## - pol_13 1 0.1297 25.732 -157769
## - Total_Accounts 1 0.1363 25.738 -157763
## - Revolving_Balance 1 0.1396 25.741 -157760
## - Number_Open_Accounts 1 0.1921 25.794 -157713
## - Income_Verified_VERIFIED_income 1 0.4077 26.010 -157520
## - Public_Record_Count 1 0.4408 26.043 -157490
## - Number_Delinqueny_2yrs 1 0.4737 26.076 -157461
## - Inquiries_Last_6Mo 1 2.4089 28.011 -155800
## - Revolving_Utilization 1 4.4310 30.033 -154183
## - Initial_Loan_Term_Months_36months 1 6.2529 31.855 -152817
##
## Step: AIC=-157886
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_KS + State_OK + State_KY + State_LA +
## State_OR + State_SC + State_TN + State_NV + State_IN + State_WA +
## State_AZ + State_MD + State_MA + State_MI + State_NC + State_FL +
## State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_KS 1 0.0006 25.603 -157887
## - State_OR 1 0.0006 25.603 -157887
## - State_KY 1 0.0008 25.603 -157887
## - State_OK 1 0.0014 25.604 -157887
## - pol_11 1 0.0017 25.604 -157886
## - State_SC 1 0.0018 25.604 -157886
## <none> 25.602 -157886
## - State_NM 1 0.0025 25.605 -157886
## - State_HI 1 0.0027 25.605 -157886
## - State_LA 1 0.0028 25.605 -157885
## - State_IN 1 0.0030 25.605 -157885
## - State_TX 1 0.0031 25.606 -157885
## - State_AZ 1 0.0032 25.606 -157885
## - State_MD 1 0.0033 25.606 -157885
## - pol_10 1 0.0034 25.606 -157885
## - State_MA 1 0.0039 25.606 -157884
## - State_WA 1 0.0060 25.608 -157882
## - State_MI 1 0.0061 25.609 -157882
## - Length_Employed 1 0.0063 25.609 -157882
## - State_NC 1 0.0076 25.610 -157881
## - Home_Owner_RENT 1 0.0076 25.610 -157881
## - State_NV 1 0.0078 25.610 -157881
## - State_CA 1 0.0098 25.612 -157879
## - `Home_Owner_N/A` 1 0.0142 25.617 -157875
## - State_FL 1 0.0143 25.617 -157875
## - State_NY 1 0.0165 25.619 -157873
## - Collections_12Mo_Exclude_Med 1 0.0177 25.620 -157872
## - pol_12 1 0.0179 25.620 -157872
## - State_TN 1 0.0182 25.621 -157871
## - Loan_Amount_Requested 1 0.0219 25.624 -157868
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.642 -157852
## - Debt_To_Income 1 0.0777 25.680 -157818
## - Annual_Income 1 0.0905 25.693 -157806
## - Home_Owner_MORTGAGE 1 0.1086 25.711 -157790
## - pol_13 1 0.1298 25.732 -157771
## - Total_Accounts 1 0.1363 25.739 -157765
## - Revolving_Balance 1 0.1396 25.742 -157762
## - Number_Open_Accounts 1 0.1920 25.794 -157715
## - Income_Verified_VERIFIED_income 1 0.4076 26.010 -157522
## - Public_Record_Count 1 0.4413 26.044 -157491
## - Number_Delinqueny_2yrs 1 0.4745 26.077 -157462
## - Inquiries_Last_6Mo 1 2.4087 28.011 -155802
## - Revolving_Utilization 1 4.4305 30.033 -154185
## - Initial_Loan_Term_Months_36months 1 6.2527 31.855 -152819
##
## Step: AIC=-157887.4
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_OK + State_KY + State_LA + State_OR +
## State_SC + State_TN + State_NV + State_IN + State_WA + State_AZ +
## State_MD + State_MA + State_MI + State_NC + State_FL + State_TX +
## State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_OR 1 0.0006 25.604 -157889
## - State_KY 1 0.0008 25.604 -157889
## - State_OK 1 0.0013 25.604 -157888
## - pol_11 1 0.0017 25.605 -157888
## - State_SC 1 0.0017 25.605 -157888
## <none> 25.603 -157887
## - State_NM 1 0.0024 25.605 -157887
## - State_HI 1 0.0027 25.606 -157887
## - State_LA 1 0.0028 25.606 -157887
## - State_IN 1 0.0029 25.606 -157887
## - State_TX 1 0.0030 25.606 -157887
## - State_AZ 1 0.0031 25.606 -157887
## - State_MD 1 0.0032 25.606 -157886
## - pol_10 1 0.0034 25.606 -157886
## - State_MA 1 0.0040 25.607 -157886
## - State_WA 1 0.0059 25.609 -157884
## - State_MI 1 0.0060 25.609 -157884
## - Length_Employed 1 0.0063 25.609 -157884
## - State_NC 1 0.0075 25.610 -157883
## - Home_Owner_RENT 1 0.0076 25.611 -157882
## - State_NV 1 0.0077 25.611 -157882
## - State_CA 1 0.0095 25.612 -157881
## - State_FL 1 0.0140 25.617 -157877
## - `Home_Owner_N/A` 1 0.0141 25.617 -157877
## - State_NY 1 0.0162 25.619 -157875
## - Collections_12Mo_Exclude_Med 1 0.0176 25.621 -157873
## - pol_12 1 0.0178 25.621 -157873
## - State_TN 1 0.0180 25.621 -157873
## - Loan_Amount_Requested 1 0.0220 25.625 -157869
## - Income_Verified_VERIFIED_incomesource 1 0.0400 25.643 -157853
## - Debt_To_Income 1 0.0778 25.681 -157819
## - Annual_Income 1 0.0907 25.694 -157807
## - Home_Owner_MORTGAGE 1 0.1084 25.711 -157791
## - pol_13 1 0.1298 25.733 -157772
## - Total_Accounts 1 0.1361 25.739 -157766
## - Revolving_Balance 1 0.1397 25.743 -157763
## - Number_Open_Accounts 1 0.1916 25.795 -157716
## - Income_Verified_VERIFIED_income 1 0.4073 26.010 -157523
## - Public_Record_Count 1 0.4410 26.044 -157493
## - Number_Delinqueny_2yrs 1 0.4741 26.077 -157464
## - Inquiries_Last_6Mo 1 2.4086 28.012 -155803
## - Revolving_Utilization 1 4.4300 30.033 -154187
## - Initial_Loan_Term_Months_36months 1 6.2521 31.855 -152820
##
## Step: AIC=-157888.9
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_OK + State_KY + State_LA + State_SC +
## State_TN + State_NV + State_IN + State_WA + State_AZ + State_MD +
## State_MA + State_MI + State_NC + State_FL + State_TX + State_NY +
## State_CA
##
## Df Sum of Sq RSS AIC
## - State_KY 1 0.0007 25.604 -157890
## - State_OK 1 0.0013 25.605 -157890
## - State_SC 1 0.0017 25.605 -157889
## - pol_11 1 0.0017 25.605 -157889
## <none> 25.604 -157889
## - State_NM 1 0.0024 25.606 -157889
## - State_LA 1 0.0027 25.606 -157888
## - State_HI 1 0.0028 25.606 -157888
## - State_TX 1 0.0028 25.606 -157888
## - State_IN 1 0.0028 25.606 -157888
## - State_AZ 1 0.0030 25.607 -157888
## - State_MD 1 0.0031 25.607 -157888
## - pol_10 1 0.0034 25.607 -157888
## - State_MA 1 0.0042 25.608 -157887
## - State_WA 1 0.0058 25.609 -157886
## - State_MI 1 0.0058 25.609 -157886
## - Length_Employed 1 0.0063 25.610 -157885
## - State_NC 1 0.0073 25.611 -157884
## - State_NV 1 0.0075 25.611 -157884
## - Home_Owner_RENT 1 0.0077 25.611 -157884
## - State_CA 1 0.0091 25.613 -157883
## - State_FL 1 0.0137 25.617 -157878
## - `Home_Owner_N/A` 1 0.0141 25.618 -157878
## - State_NY 1 0.0158 25.619 -157877
## - Collections_12Mo_Exclude_Med 1 0.0176 25.621 -157875
## - pol_12 1 0.0177 25.621 -157875
## - State_TN 1 0.0178 25.621 -157875
## - Loan_Amount_Requested 1 0.0220 25.626 -157871
## - Income_Verified_VERIFIED_incomesource 1 0.0400 25.644 -157855
## - Debt_To_Income 1 0.0777 25.681 -157821
## - Annual_Income 1 0.0909 25.695 -157809
## - Home_Owner_MORTGAGE 1 0.1083 25.712 -157793
## - pol_13 1 0.1297 25.733 -157774
## - Total_Accounts 1 0.1362 25.740 -157768
## - Revolving_Balance 1 0.1397 25.743 -157765
## - Number_Open_Accounts 1 0.1913 25.795 -157718
## - Income_Verified_VERIFIED_income 1 0.4074 26.011 -157525
## - Public_Record_Count 1 0.4408 26.044 -157495
## - Number_Delinqueny_2yrs 1 0.4741 26.078 -157465
## - Inquiries_Last_6Mo 1 2.4081 28.012 -155805
## - Revolving_Utilization 1 4.4295 30.033 -154189
## - Initial_Loan_Term_Months_36months 1 6.2515 31.855 -152822
##
## Step: AIC=-157890.2
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_OK + State_LA + State_SC + State_TN +
## State_NV + State_IN + State_WA + State_AZ + State_MD + State_MA +
## State_MI + State_NC + State_FL + State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_OK 1 0.0012 25.606 -157891
## - State_SC 1 0.0016 25.606 -157891
## - pol_11 1 0.0017 25.606 -157891
## <none> 25.604 -157890
## - State_NM 1 0.0023 25.607 -157890
## - State_TX 1 0.0026 25.607 -157890
## - State_LA 1 0.0026 25.607 -157890
## - State_IN 1 0.0027 25.607 -157890
## - State_HI 1 0.0028 25.607 -157890
## - State_AZ 1 0.0029 25.607 -157890
## - State_MD 1 0.0030 25.607 -157889
## - pol_10 1 0.0033 25.608 -157889
## - State_MA 1 0.0043 25.609 -157888
## - State_WA 1 0.0056 25.610 -157887
## - State_MI 1 0.0057 25.610 -157887
## - Length_Employed 1 0.0063 25.611 -157886
## - State_NC 1 0.0071 25.611 -157886
## - State_NV 1 0.0074 25.612 -157885
## - Home_Owner_RENT 1 0.0076 25.612 -157885
## - State_CA 1 0.0088 25.613 -157884
## - State_FL 1 0.0134 25.618 -157880
## - `Home_Owner_N/A` 1 0.0141 25.618 -157879
## - State_NY 1 0.0155 25.620 -157878
## - Collections_12Mo_Exclude_Med 1 0.0176 25.622 -157876
## - State_TN 1 0.0176 25.622 -157876
## - pol_12 1 0.0177 25.622 -157876
## - Loan_Amount_Requested 1 0.0219 25.626 -157872
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.644 -157856
## - Debt_To_Income 1 0.0781 25.682 -157821
## - Annual_Income 1 0.0910 25.695 -157810
## - Home_Owner_MORTGAGE 1 0.1082 25.713 -157794
## - pol_13 1 0.1297 25.734 -157775
## - Total_Accounts 1 0.1359 25.740 -157769
## - Revolving_Balance 1 0.1399 25.744 -157766
## - Number_Open_Accounts 1 0.1910 25.795 -157720
## - Income_Verified_VERIFIED_income 1 0.4073 26.012 -157526
## - Public_Record_Count 1 0.4407 26.045 -157496
## - Number_Delinqueny_2yrs 1 0.4743 26.079 -157466
## - Inquiries_Last_6Mo 1 2.4082 28.013 -155807
## - Revolving_Utilization 1 4.4289 30.033 -154191
## - Initial_Loan_Term_Months_36months 1 6.2529 31.857 -152823
##
## Step: AIC=-157891.1
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_LA + State_SC + State_TN + State_NV +
## State_IN + State_WA + State_AZ + State_MD + State_MA + State_MI +
## State_NC + State_FL + State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_SC 1 0.0015 25.607 -157892
## - pol_11 1 0.0017 25.607 -157891
## <none> 25.606 -157891
## - State_NM 1 0.0022 25.608 -157891
## - State_TX 1 0.0024 25.608 -157891
## - State_LA 1 0.0025 25.608 -157891
## - State_IN 1 0.0026 25.608 -157891
## - State_AZ 1 0.0028 25.608 -157891
## - State_HI 1 0.0029 25.608 -157890
## - State_MD 1 0.0029 25.608 -157890
## - pol_10 1 0.0034 25.609 -157890
## - State_MA 1 0.0045 25.610 -157889
## - State_WA 1 0.0054 25.611 -157888
## - State_MI 1 0.0055 25.611 -157888
## - Length_Employed 1 0.0062 25.612 -157887
## - State_NC 1 0.0069 25.612 -157887
## - State_NV 1 0.0072 25.613 -157887
## - Home_Owner_RENT 1 0.0075 25.613 -157886
## - State_CA 1 0.0083 25.614 -157886
## - State_FL 1 0.0129 25.619 -157881
## - `Home_Owner_N/A` 1 0.0141 25.620 -157880
## - State_NY 1 0.0150 25.621 -157879
## - State_TN 1 0.0174 25.623 -157877
## - Collections_12Mo_Exclude_Med 1 0.0176 25.623 -157877
## - pol_12 1 0.0178 25.623 -157877
## - Loan_Amount_Requested 1 0.0221 25.628 -157873
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.646 -157857
## - Debt_To_Income 1 0.0784 25.684 -157822
## - Annual_Income 1 0.0912 25.697 -157811
## - Home_Owner_MORTGAGE 1 0.1083 25.714 -157795
## - pol_13 1 0.1294 25.735 -157776
## - Total_Accounts 1 0.1359 25.741 -157770
## - Revolving_Balance 1 0.1401 25.746 -157766
## - Number_Open_Accounts 1 0.1906 25.796 -157721
## - Income_Verified_VERIFIED_income 1 0.4073 26.013 -157527
## - Public_Record_Count 1 0.4405 26.046 -157497
## - Number_Delinqueny_2yrs 1 0.4743 26.080 -157467
## - Inquiries_Last_6Mo 1 2.4084 28.014 -155808
## - Revolving_Utilization 1 4.4295 30.035 -154191
## - Initial_Loan_Term_Months_36months 1 6.2544 31.860 -152823
##
## Step: AIC=-157891.7
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_11 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_LA + State_TN + State_NV + State_IN +
## State_WA + State_AZ + State_MD + State_MA + State_MI + State_NC +
## State_FL + State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - pol_11 1 0.0017 25.609 -157892
## - State_TX 1 0.0021 25.609 -157892
## - State_NM 1 0.0022 25.609 -157892
## <none> 25.607 -157892
## - State_LA 1 0.0024 25.610 -157891
## - State_IN 1 0.0025 25.610 -157891
## - State_AZ 1 0.0026 25.610 -157891
## - State_MD 1 0.0027 25.610 -157891
## - State_HI 1 0.0030 25.610 -157891
## - pol_10 1 0.0033 25.610 -157891
## - State_MA 1 0.0047 25.612 -157889
## - State_WA 1 0.0052 25.612 -157889
## - State_MI 1 0.0052 25.612 -157889
## - Length_Employed 1 0.0061 25.613 -157888
## - State_NC 1 0.0066 25.614 -157888
## - State_NV 1 0.0070 25.614 -157887
## - Home_Owner_RENT 1 0.0075 25.615 -157887
## - State_CA 1 0.0078 25.615 -157887
## - State_FL 1 0.0124 25.620 -157882
## - `Home_Owner_N/A` 1 0.0141 25.621 -157881
## - State_NY 1 0.0144 25.622 -157881
## - State_TN 1 0.0171 25.624 -157878
## - Collections_12Mo_Exclude_Med 1 0.0176 25.625 -157878
## - pol_12 1 0.0178 25.625 -157878
## - Loan_Amount_Requested 1 0.0220 25.629 -157874
## - Income_Verified_VERIFIED_incomesource 1 0.0401 25.647 -157857
## - Debt_To_Income 1 0.0786 25.686 -157823
## - Annual_Income 1 0.0913 25.698 -157811
## - Home_Owner_MORTGAGE 1 0.1082 25.715 -157796
## - pol_13 1 0.1297 25.737 -157776
## - Total_Accounts 1 0.1358 25.743 -157771
## - Revolving_Balance 1 0.1402 25.747 -157767
## - Number_Open_Accounts 1 0.1904 25.797 -157722
## - Income_Verified_VERIFIED_income 1 0.4073 26.014 -157528
## - Public_Record_Count 1 0.4404 26.047 -157498
## - Number_Delinqueny_2yrs 1 0.4740 26.081 -157468
## - Inquiries_Last_6Mo 1 2.4069 28.014 -155810
## - Revolving_Utilization 1 4.4291 30.036 -154193
## - Initial_Loan_Term_Months_36months 1 6.2555 31.863 -152823
##
## Step: AIC=-157892.1
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_LA + State_TN + State_NV + State_IN +
## State_WA + State_AZ + State_MD + State_MA + State_MI + State_NC +
## State_FL + State_TX + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_TX 1 0.0022 25.611 -157892
## - State_NM 1 0.0022 25.611 -157892
## <none> 25.609 -157892
## - State_LA 1 0.0024 25.611 -157892
## - State_IN 1 0.0025 25.611 -157892
## - State_AZ 1 0.0026 25.611 -157892
## - State_MD 1 0.0027 25.612 -157892
## - State_HI 1 0.0030 25.612 -157891
## - pol_10 1 0.0034 25.612 -157891
## - State_MA 1 0.0047 25.614 -157890
## - State_WA 1 0.0052 25.614 -157889
## - State_MI 1 0.0053 25.614 -157889
## - Length_Employed 1 0.0061 25.615 -157889
## - State_NC 1 0.0066 25.615 -157888
## - State_NV 1 0.0070 25.616 -157888
## - Home_Owner_RENT 1 0.0073 25.616 -157888
## - State_CA 1 0.0078 25.617 -157887
## - State_FL 1 0.0125 25.621 -157883
## - `Home_Owner_N/A` 1 0.0143 25.623 -157881
## - State_NY 1 0.0144 25.623 -157881
## - pol_12 1 0.0168 25.626 -157879
## - State_TN 1 0.0170 25.626 -157879
## - Collections_12Mo_Exclude_Med 1 0.0175 25.626 -157878
## - Loan_Amount_Requested 1 0.0208 25.630 -157875
## - Income_Verified_VERIFIED_incomesource 1 0.0400 25.649 -157858
## - Debt_To_Income 1 0.0778 25.687 -157824
## - Annual_Income 1 0.0902 25.699 -157813
## - Home_Owner_MORTGAGE 1 0.1087 25.718 -157796
## - Total_Accounts 1 0.1359 25.745 -157771
## - pol_13 1 0.1372 25.746 -157770
## - Revolving_Balance 1 0.1398 25.749 -157768
## - Number_Open_Accounts 1 0.1895 25.798 -157723
## - Income_Verified_VERIFIED_income 1 0.4076 26.016 -157528
## - Public_Record_Count 1 0.4392 26.048 -157500
## - Number_Delinqueny_2yrs 1 0.4734 26.082 -157469
## - Inquiries_Last_6Mo 1 2.4076 28.016 -155809
## - Revolving_Utilization 1 4.4497 30.059 -154177
## - Initial_Loan_Term_Months_36months 1 6.2620 31.871 -152819
##
## Step: AIC=-157892.1
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_NM + State_LA + State_TN + State_NV + State_IN +
## State_WA + State_AZ + State_MD + State_MA + State_MI + State_NC +
## State_FL + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_NM 1 0.0020 25.613 -157892
## - State_LA 1 0.0021 25.613 -157892
## - State_IN 1 0.0022 25.613 -157892
## - State_AZ 1 0.0022 25.613 -157892
## <none> 25.611 -157892
## - State_MD 1 0.0023 25.613 -157892
## - State_HI 1 0.0032 25.614 -157891
## - pol_10 1 0.0035 25.614 -157891
## - State_MI 1 0.0047 25.616 -157890
## - State_WA 1 0.0047 25.616 -157890
## - State_MA 1 0.0054 25.616 -157889
## - Length_Employed 1 0.0059 25.617 -157889
## - State_NC 1 0.0060 25.617 -157889
## - State_NV 1 0.0065 25.617 -157888
## - State_CA 1 0.0065 25.618 -157888
## - Home_Owner_RENT 1 0.0071 25.618 -157888
## - State_FL 1 0.0112 25.622 -157884
## - State_NY 1 0.0130 25.624 -157882
## - `Home_Owner_N/A` 1 0.0145 25.625 -157881
## - State_TN 1 0.0162 25.627 -157879
## - pol_12 1 0.0169 25.628 -157879
## - Collections_12Mo_Exclude_Med 1 0.0176 25.629 -157878
## - Loan_Amount_Requested 1 0.0211 25.632 -157875
## - Income_Verified_VERIFIED_incomesource 1 0.0403 25.651 -157858
## - Debt_To_Income 1 0.0790 25.690 -157823
## - Annual_Income 1 0.0896 25.701 -157813
## - Home_Owner_MORTGAGE 1 0.1091 25.720 -157796
## - Total_Accounts 1 0.1356 25.747 -157772
## - pol_13 1 0.1374 25.748 -157770
## - Revolving_Balance 1 0.1410 25.752 -157767
## - Number_Open_Accounts 1 0.1892 25.800 -157723
## - Income_Verified_VERIFIED_income 1 0.4081 26.019 -157527
## - Public_Record_Count 1 0.4373 26.048 -157501
## - Number_Delinqueny_2yrs 1 0.4730 26.084 -157470
## - Inquiries_Last_6Mo 1 2.4059 28.017 -155811
## - Revolving_Utilization 1 4.4475 30.059 -154179
## - Initial_Loan_Term_Months_36months 1 6.2599 31.871 -152821
##
## Step: AIC=-157892.4
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_LA + State_TN + State_NV + State_IN + State_WA +
## State_AZ + State_MD + State_MA + State_MI + State_NC + State_FL +
## State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_LA 1 0.0021 25.615 -157892
## - State_AZ 1 0.0021 25.615 -157892
## - State_IN 1 0.0021 25.615 -157892
## <none> 25.613 -157892
## - State_MD 1 0.0022 25.615 -157892
## - State_HI 1 0.0032 25.616 -157891
## - pol_10 1 0.0035 25.616 -157891
## - State_MI 1 0.0045 25.618 -157890
## - State_WA 1 0.0046 25.618 -157890
## - State_MA 1 0.0055 25.619 -157889
## - State_NC 1 0.0058 25.619 -157889
## - Length_Employed 1 0.0059 25.619 -157889
## - State_CA 1 0.0062 25.619 -157889
## - State_NV 1 0.0064 25.619 -157889
## - Home_Owner_RENT 1 0.0070 25.620 -157888
## - State_FL 1 0.0109 25.624 -157884
## - State_NY 1 0.0126 25.626 -157883
## - `Home_Owner_N/A` 1 0.0146 25.628 -157881
## - State_TN 1 0.0160 25.629 -157880
## - pol_12 1 0.0169 25.630 -157879
## - Collections_12Mo_Exclude_Med 1 0.0176 25.631 -157878
## - Loan_Amount_Requested 1 0.0211 25.634 -157875
## - Income_Verified_VERIFIED_incomesource 1 0.0404 25.653 -157858
## - Debt_To_Income 1 0.0794 25.692 -157823
## - Annual_Income 1 0.0895 25.702 -157813
## - Home_Owner_MORTGAGE 1 0.1093 25.722 -157796
## - Total_Accounts 1 0.1358 25.749 -157772
## - pol_13 1 0.1374 25.750 -157770
## - Revolving_Balance 1 0.1413 25.754 -157767
## - Number_Open_Accounts 1 0.1890 25.802 -157724
## - Income_Verified_VERIFIED_income 1 0.4085 26.022 -157527
## - Public_Record_Count 1 0.4380 26.051 -157501
## - Number_Delinqueny_2yrs 1 0.4727 26.086 -157470
## - Inquiries_Last_6Mo 1 2.4057 28.019 -155812
## - Revolving_Utilization 1 4.4474 30.060 -154180
## - Initial_Loan_Term_Months_36months 1 6.2583 31.871 -152823
##
## Step: AIC=-157892.5
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_TN + State_NV + State_IN + State_WA + State_AZ +
## State_MD + State_MA + State_MI + State_NC + State_FL + State_NY +
## State_CA
##
## Df Sum of Sq RSS AIC
## - State_AZ 1 0.0020 25.617 -157893
## - State_IN 1 0.0020 25.617 -157893
## - State_MD 1 0.0021 25.617 -157893
## <none> 25.615 -157892
## - State_HI 1 0.0033 25.618 -157891
## - pol_10 1 0.0035 25.619 -157891
## - State_MI 1 0.0043 25.619 -157891
## - State_WA 1 0.0044 25.619 -157891
## - State_NC 1 0.0056 25.621 -157889
## - State_CA 1 0.0057 25.621 -157889
## - State_MA 1 0.0058 25.621 -157889
## - Length_Employed 1 0.0058 25.621 -157889
## - State_NV 1 0.0062 25.621 -157889
## - Home_Owner_RENT 1 0.0069 25.622 -157888
## - State_FL 1 0.0105 25.626 -157885
## - State_NY 1 0.0121 25.627 -157883
## - `Home_Owner_N/A` 1 0.0146 25.630 -157881
## - State_TN 1 0.0158 25.631 -157880
## - pol_12 1 0.0169 25.632 -157879
## - Collections_12Mo_Exclude_Med 1 0.0175 25.633 -157879
## - Loan_Amount_Requested 1 0.0211 25.636 -157875
## - Income_Verified_VERIFIED_incomesource 1 0.0402 25.655 -157858
## - Debt_To_Income 1 0.0798 25.695 -157822
## - Annual_Income 1 0.0894 25.704 -157814
## - Home_Owner_MORTGAGE 1 0.1098 25.725 -157795
## - Total_Accounts 1 0.1353 25.750 -157772
## - pol_13 1 0.1377 25.753 -157770
## - Revolving_Balance 1 0.1416 25.757 -157767
## - Number_Open_Accounts 1 0.1880 25.803 -157725
## - Income_Verified_VERIFIED_income 1 0.4083 26.023 -157528
## - Public_Record_Count 1 0.4373 26.052 -157502
## - Number_Delinqueny_2yrs 1 0.4726 26.088 -157470
## - Inquiries_Last_6Mo 1 2.4040 28.019 -155813
## - Revolving_Utilization 1 4.4454 30.060 -154182
## - Initial_Loan_Term_Months_36months 1 6.2620 31.877 -152820
##
## Step: AIC=-157892.7
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_TN + State_NV + State_IN + State_WA + State_MD +
## State_MA + State_MI + State_NC + State_FL + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_IN 1 0.0019 25.619 -157893
## - State_MD 1 0.0020 25.619 -157893
## <none> 25.617 -157893
## - State_HI 1 0.0034 25.620 -157892
## - pol_10 1 0.0035 25.621 -157892
## - State_MI 1 0.0041 25.621 -157891
## - State_WA 1 0.0042 25.621 -157891
## - State_CA 1 0.0052 25.622 -157890
## - State_NC 1 0.0053 25.622 -157890
## - Length_Employed 1 0.0058 25.623 -157889
## - State_NV 1 0.0060 25.623 -157889
## - State_MA 1 0.0061 25.623 -157889
## - Home_Owner_RENT 1 0.0070 25.624 -157888
## - State_FL 1 0.0099 25.627 -157886
## - State_NY 1 0.0115 25.628 -157884
## - `Home_Owner_N/A` 1 0.0146 25.632 -157882
## - State_TN 1 0.0154 25.632 -157881
## - pol_12 1 0.0169 25.634 -157879
## - Collections_12Mo_Exclude_Med 1 0.0176 25.635 -157879
## - Loan_Amount_Requested 1 0.0209 25.638 -157876
## - Income_Verified_VERIFIED_incomesource 1 0.0404 25.657 -157858
## - Debt_To_Income 1 0.0798 25.697 -157823
## - Annual_Income 1 0.0892 25.706 -157814
## - Home_Owner_MORTGAGE 1 0.1097 25.727 -157796
## - Total_Accounts 1 0.1351 25.752 -157773
## - pol_13 1 0.1379 25.755 -157770
## - Revolving_Balance 1 0.1417 25.759 -157767
## - Number_Open_Accounts 1 0.1876 25.805 -157725
## - Income_Verified_VERIFIED_income 1 0.4086 26.026 -157528
## - Public_Record_Count 1 0.4369 26.054 -157502
## - Number_Delinqueny_2yrs 1 0.4730 26.090 -157470
## - Inquiries_Last_6Mo 1 2.4028 28.020 -155815
## - Revolving_Utilization 1 4.4456 30.063 -154182
## - Initial_Loan_Term_Months_36months 1 6.2637 31.881 -152820
##
## Step: AIC=-157893
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_TN + State_NV + State_WA + State_MD + State_MA +
## State_MI + State_NC + State_FL + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## - State_MD 1 0.0018 25.621 -157893
## <none> 25.619 -157893
## - State_HI 1 0.0035 25.622 -157892
## - pol_10 1 0.0035 25.622 -157892
## - State_MI 1 0.0039 25.623 -157892
## - State_WA 1 0.0040 25.623 -157891
## - State_CA 1 0.0048 25.624 -157891
## - State_NC 1 0.0051 25.624 -157890
## - Length_Employed 1 0.0058 25.625 -157890
## - State_NV 1 0.0058 25.625 -157890
## - State_MA 1 0.0063 25.625 -157889
## - Home_Owner_RENT 1 0.0070 25.626 -157889
## - State_FL 1 0.0095 25.628 -157886
## - State_NY 1 0.0110 25.630 -157885
## - `Home_Owner_N/A` 1 0.0146 25.633 -157882
## - State_TN 1 0.0152 25.634 -157881
## - pol_12 1 0.0168 25.636 -157880
## - Collections_12Mo_Exclude_Med 1 0.0176 25.636 -157879
## - Loan_Amount_Requested 1 0.0209 25.640 -157876
## - Income_Verified_VERIFIED_incomesource 1 0.0406 25.659 -157858
## - Debt_To_Income 1 0.0799 25.699 -157823
## - Annual_Income 1 0.0896 25.708 -157814
## - Home_Owner_MORTGAGE 1 0.1094 25.728 -157796
## - Total_Accounts 1 0.1352 25.754 -157773
## - pol_13 1 0.1376 25.756 -157771
## - Revolving_Balance 1 0.1420 25.761 -157767
## - Number_Open_Accounts 1 0.1875 25.806 -157726
## - Income_Verified_VERIFIED_income 1 0.4087 26.028 -157528
## - Public_Record_Count 1 0.4386 26.057 -157501
## - Number_Delinqueny_2yrs 1 0.4733 26.092 -157470
## - Inquiries_Last_6Mo 1 2.4046 28.023 -155814
## - Revolving_Utilization 1 4.4478 30.067 -154181
## - Initial_Loan_Term_Months_36months 1 6.2682 31.887 -152817
##
## Step: AIC=-157893.4
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_TN + State_NV + State_WA + State_MA + State_MI +
## State_NC + State_FL + State_NY + State_CA
##
## Df Sum of Sq RSS AIC
## <none> 25.621 -157893
## - pol_10 1 0.0035 25.624 -157892
## - State_HI 1 0.0036 25.624 -157892
## - State_MI 1 0.0037 25.624 -157892
## - State_WA 1 0.0038 25.624 -157892
## - State_CA 1 0.0043 25.625 -157892
## - State_NC 1 0.0048 25.625 -157891
## - State_NV 1 0.0056 25.626 -157890
## - Length_Employed 1 0.0058 25.626 -157890
## - State_MA 1 0.0066 25.627 -157889
## - Home_Owner_RENT 1 0.0071 25.628 -157889
## - State_FL 1 0.0090 25.630 -157887
## - State_NY 1 0.0104 25.631 -157886
## - `Home_Owner_N/A` 1 0.0145 25.635 -157882
## - State_TN 1 0.0149 25.636 -157882
## - pol_12 1 0.0169 25.638 -157880
## - Collections_12Mo_Exclude_Med 1 0.0176 25.638 -157879
## - Loan_Amount_Requested 1 0.0209 25.642 -157876
## - Income_Verified_VERIFIED_incomesource 1 0.0406 25.661 -157859
## - Debt_To_Income 1 0.0794 25.700 -157824
## - Annual_Income 1 0.0891 25.710 -157815
## - Home_Owner_MORTGAGE 1 0.1093 25.730 -157797
## - Total_Accounts 1 0.1350 25.756 -157773
## - pol_13 1 0.1379 25.759 -157771
## - Revolving_Balance 1 0.1418 25.763 -157767
## - Number_Open_Accounts 1 0.1878 25.808 -157726
## - Income_Verified_VERIFIED_income 1 0.4095 26.030 -157528
## - Public_Record_Count 1 0.4384 26.059 -157502
## - Number_Delinqueny_2yrs 1 0.4738 26.094 -157470
## - Inquiries_Last_6Mo 1 2.4032 28.024 -155815
## - Revolving_Utilization 1 4.4509 30.072 -154179
## - Initial_Loan_Term_Months_36months 1 6.2693 31.890 -152817check model summary to see the kept variables in the model
##
## Call:
## lm(formula = Interest_Rate ~ Loan_Amount_Requested + Length_Employed +
## Annual_Income + Debt_To_Income + Number_Delinqueny_2yrs +
## Inquiries_Last_6Mo + Number_Open_Accounts + Public_Record_Count +
## Revolving_Balance + Revolving_Utilization + Total_Accounts +
## Collections_12Mo_Exclude_Med + pol_10 + pol_12 + pol_13 +
## Initial_Loan_Term_Months_36months + `Home_Owner_N/A` + Home_Owner_RENT +
## Home_Owner_MORTGAGE + Income_Verified_VERIFIED_incomesource +
## Income_Verified_VERIFIED_income + State_HI + State_TN + State_NV +
## State_WA + State_MA + State_MI + State_NC + State_FL + State_NY +
## State_CA, data = train1)
##
## Residuals:
## Min 1Q Median 3Q Max
## -0.180224 -0.023644 -0.003194 0.020312 0.294128
##
## Coefficients:
## Estimate Std. Error t value Pr(>|t|)
## (Intercept) 1.127e-01 1.450e-03 77.713 < 2e-16
## Loan_Amount_Requested 1.403e-07 3.230e-08 4.344 1.40e-05
## Length_Employed 1.450e-04 6.353e-05 2.282 0.022502
## Annual_Income -5.016e-08 5.587e-09 -8.978 < 2e-16
## Debt_To_Income 2.784e-04 3.285e-05 8.474 < 2e-16
## Number_Delinqueny_2yrs 5.255e-03 2.539e-04 20.699 < 2e-16
## Inquiries_Last_6Mo 9.839e-03 2.111e-04 46.617 < 2e-16
## Number_Open_Accounts 8.042e-04 6.172e-05 13.032 < 2e-16
## Public_Record_Count 8.728e-03 4.384e-04 19.910 < 2e-16
## Revolving_Balance -1.052e-07 9.290e-09 -11.325 < 2e-16
## Revolving_Utilization 6.334e-02 9.984e-04 63.441 < 2e-16
## Total_Accounts -2.918e-04 2.641e-05 -11.049 < 2e-16
## Collections_12Mo_Exclude_Med 8.634e-03 2.166e-03 3.987 6.72e-05
## pol_10 -1.272e-02 7.107e-03 -1.790 0.073507
## pol_12 3.459e-03 8.839e-04 3.913 9.14e-05
## pol_13 -5.517e-03 4.941e-04 -11.166 < 2e-16
## Initial_Loan_Term_Months_36months -4.014e-02 5.332e-04 -75.294 < 2e-16
## `Home_Owner_N/A` -3.472e-03 9.573e-04 -3.627 0.000288
## Home_Owner_RENT 2.267e-03 8.971e-04 2.527 0.011507
## Home_Owner_MORTGAGE -8.442e-03 8.489e-04 -9.944 < 2e-16
## Income_Verified_VERIFIED_incomesource 3.600e-03 5.941e-04 6.060 1.38e-09
## Income_Verified_VERIFIED_income 1.131e-02 5.875e-04 19.243 < 2e-16
## State_HI -5.747e-03 3.190e-03 -1.802 0.071628
## State_TN 7.154e-03 1.951e-03 3.667 0.000246
## State_NV 4.253e-03 1.889e-03 2.251 0.024403
## State_WA 2.775e-03 1.502e-03 1.848 0.064685
## State_MA -3.514e-03 1.438e-03 -2.444 0.014532
## State_MI 2.480e-03 1.361e-03 1.822 0.068483
## State_NC 2.810e-03 1.348e-03 2.084 0.037128
## State_FL 2.632e-03 9.218e-04 2.856 0.004299
## State_NY 2.527e-03 8.244e-04 3.066 0.002173
## State_CA 1.283e-03 6.540e-04 1.962 0.049783
##
## (Intercept) ***
## Loan_Amount_Requested ***
## Length_Employed *
## Annual_Income ***
## Debt_To_Income ***
## Number_Delinqueny_2yrs ***
## Inquiries_Last_6Mo ***
## Number_Open_Accounts ***
## Public_Record_Count ***
## Revolving_Balance ***
## Revolving_Utilization ***
## Total_Accounts ***
## Collections_12Mo_Exclude_Med ***
## pol_10 .
## pol_12 ***
## pol_13 ***
## Initial_Loan_Term_Months_36months ***
## `Home_Owner_N/A` ***
## Home_Owner_RENT *
## Home_Owner_MORTGAGE ***
## Income_Verified_VERIFIED_incomesource ***
## Income_Verified_VERIFIED_income ***
## State_HI .
## State_TN ***
## State_NV *
## State_WA .
## State_MA *
## State_MI .
## State_NC *
## State_FL **
## State_NY **
## State_CA *
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 0.03325 on 23168 degrees of freedom
## Multiple R-squared: 0.4421, Adjusted R-squared: 0.4413
## F-statistic: 592.1 on 31 and 23168 DF, p-value: < 2.2e-16It turns out there are still some vars for which p-value is higher than .05 . extract the exact formula using formula function.
## Interest_Rate ~ Loan_Amount_Requested + Length_Employed + Annual_Income +
## Debt_To_Income + Number_Delinqueny_2yrs + Inquiries_Last_6Mo +
## Number_Open_Accounts + Public_Record_Count + Revolving_Balance +
## Revolving_Utilization + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_10 + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_HI + State_TN + State_NV + State_WA + State_MA + State_MI +
## State_NC + State_FL + State_NY + State_CADrop variables p-value large than 0.05, train model again
##
## Call:
## lm(formula = Interest_Rate ~ Loan_Amount_Requested + Length_Employed +
## Annual_Income + Debt_To_Income + Number_Delinqueny_2yrs +
## Inquiries_Last_6Mo + Number_Open_Accounts + Public_Record_Count +
## Revolving_Balance + Revolving_Utilization + Total_Accounts +
## Collections_12Mo_Exclude_Med + pol_12 + pol_13 + Initial_Loan_Term_Months_36months +
## `Home_Owner_N/A` + Home_Owner_RENT + Home_Owner_MORTGAGE +
## Income_Verified_VERIFIED_incomesource + Income_Verified_VERIFIED_income +
## State_TN + State_NV + State_MA + State_FL + State_NY, data = train1)
##
## Residuals:
## Min 1Q Median 3Q Max
## -0.18063 -0.02364 -0.00319 0.02029 0.29320
##
## Coefficients:
## Estimate Std. Error t value Pr(>|t|)
## (Intercept) 1.130e-01 1.443e-03 78.368 < 2e-16
## Loan_Amount_Requested 1.403e-07 3.230e-08 4.343 1.41e-05
## Length_Employed 1.491e-04 6.351e-05 2.347 0.018944
## Annual_Income -5.018e-08 5.584e-09 -8.986 < 2e-16
## Debt_To_Income 2.748e-04 3.276e-05 8.389 < 2e-16
## Number_Delinqueny_2yrs 5.254e-03 2.539e-04 20.691 < 2e-16
## Inquiries_Last_6Mo 9.828e-03 2.109e-04 46.591 < 2e-16
## Number_Open_Accounts 8.084e-04 6.171e-05 13.099 < 2e-16
## Public_Record_Count 8.729e-03 4.381e-04 19.924 < 2e-16
## Revolving_Balance -1.050e-07 9.292e-09 -11.303 < 2e-16
## Revolving_Utilization 6.343e-02 9.983e-04 63.537 < 2e-16
## Total_Accounts -2.940e-04 2.640e-05 -11.136 < 2e-16
## Collections_12Mo_Exclude_Med 8.604e-03 2.166e-03 3.972 7.15e-05
## pol_12 3.472e-03 8.839e-04 3.928 8.60e-05
## pol_13 -5.510e-03 4.939e-04 -11.156 < 2e-16
## Initial_Loan_Term_Months_36months -4.011e-02 5.331e-04 -75.243 < 2e-16
## `Home_Owner_N/A` -3.443e-03 9.571e-04 -3.597 0.000322
## Home_Owner_RENT 2.372e-03 8.917e-04 2.660 0.007809
## Home_Owner_MORTGAGE -8.439e-03 8.491e-04 -9.939 < 2e-16
## Income_Verified_VERIFIED_incomesource 3.653e-03 5.940e-04 6.149 7.91e-10
## Income_Verified_VERIFIED_income 1.137e-02 5.872e-04 19.368 < 2e-16
## State_TN 6.722e-03 1.946e-03 3.454 0.000553
## State_NV 3.799e-03 1.883e-03 2.018 0.043638
## State_MA -3.995e-03 1.428e-03 -2.797 0.005169
## State_FL 2.169e-03 9.087e-04 2.387 0.016975
## State_NY 2.029e-03 8.061e-04 2.517 0.011843
##
## (Intercept) ***
## Loan_Amount_Requested ***
## Length_Employed *
## Annual_Income ***
## Debt_To_Income ***
## Number_Delinqueny_2yrs ***
## Inquiries_Last_6Mo ***
## Number_Open_Accounts ***
## Public_Record_Count ***
## Revolving_Balance ***
## Revolving_Utilization ***
## Total_Accounts ***
## Collections_12Mo_Exclude_Med ***
## pol_12 ***
## pol_13 ***
## Initial_Loan_Term_Months_36months ***
## `Home_Owner_N/A` ***
## Home_Owner_RENT **
## Home_Owner_MORTGAGE ***
## Income_Verified_VERIFIED_incomesource ***
## Income_Verified_VERIFIED_income ***
## State_TN ***
## State_NV *
## State_MA **
## State_FL *
## State_NY *
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 0.03326 on 23174 degrees of freedom
## Multiple R-squared: 0.4416, Adjusted R-squared: 0.441
## F-statistic: 733 on 25 and 23174 DF, p-value: < 2.2e-16Improve R-squared value by add multi-nomial
##
## Call:
## lm(formula = Interest_Rate ~ Loan_Amount_Requested + I(Loan_Amount_Requested *
## Loan_Amount_Requested) + Length_Employed + Annual_Income +
## (Annual_Income * Annual_Income) + Debt_To_Income + I(Debt_To_Income *
## Debt_To_Income) + Number_Delinqueny_2yrs + I(Number_Delinqueny_2yrs *
## Number_Delinqueny_2yrs) + Inquiries_Last_6Mo + I(Inquiries_Last_6Mo *
## Inquiries_Last_6Mo) + Number_Open_Accounts + Public_Record_Count +
## Revolving_Balance + Revolving_Utilization + I(Revolving_Utilization *
## Revolving_Utilization) + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_13 + Initial_Loan_Term_Months_36months + `Home_Owner_N/A` +
## Home_Owner_RENT + Home_Owner_MORTGAGE + Income_Verified_VERIFIED_incomesource +
## Income_Verified_VERIFIED_income + State_TN + State_MA + State_FL +
## State_NY, data = train1)
##
## Residuals:
## Min 1Q Median 3Q Max
## -0.183461 -0.022925 -0.003017 0.019824 0.309148
##
## Coefficients:
## Estimate Std. Error
## (Intercept) 1.405e-01 1.792e-03
## Loan_Amount_Requested -2.586e-06 1.017e-07
## I(Loan_Amount_Requested * Loan_Amount_Requested) 7.584e-11 2.674e-12
## Length_Employed 1.461e-04 6.194e-05
## Annual_Income -6.762e-08 5.483e-09
## Debt_To_Income -8.544e-04 1.164e-04
## I(Debt_To_Income * Debt_To_Income) 3.065e-05 3.024e-06
## Number_Delinqueny_2yrs 9.767e-03 4.285e-04
## I(Number_Delinqueny_2yrs * Number_Delinqueny_2yrs) -9.635e-04 7.392e-05
## Inquiries_Last_6Mo 1.429e-02 4.570e-04
## I(Inquiries_Last_6Mo * Inquiries_Last_6Mo) -1.404e-03 1.256e-04
## Number_Open_Accounts 9.020e-04 6.063e-05
## Public_Record_Count 8.759e-03 4.286e-04
## Revolving_Balance -1.032e-07 9.069e-09
## Revolving_Utilization 5.889e-02 3.832e-03
## I(Revolving_Utilization * Revolving_Utilization) 5.473e-03 3.478e-03
## Total_Accounts -3.014e-04 2.575e-05
## Collections_12Mo_Exclude_Med 7.399e-03 2.113e-03
## pol_13 -5.972e-03 4.744e-04
## Initial_Loan_Term_Months_36months -4.168e-02 5.226e-04
## `Home_Owner_N/A` -3.660e-03 9.331e-04
## Home_Owner_RENT 2.311e-03 8.668e-04
## Home_Owner_MORTGAGE -8.082e-03 8.282e-04
## Income_Verified_VERIFIED_incomesource 4.637e-03 5.806e-04
## Income_Verified_VERIFIED_income 1.097e-02 5.742e-04
## State_TN 6.887e-03 1.897e-03
## State_MA -3.036e-03 1.393e-03
## State_FL 2.365e-03 8.853e-04
## State_NY 1.894e-03 7.854e-04
## t value Pr(>|t|)
## (Intercept) 78.394 < 2e-16 ***
## Loan_Amount_Requested -25.413 < 2e-16 ***
## I(Loan_Amount_Requested * Loan_Amount_Requested) 28.368 < 2e-16 ***
## Length_Employed 2.358 0.018364 *
## Annual_Income -12.332 < 2e-16 ***
## Debt_To_Income -7.341 2.19e-13 ***
## I(Debt_To_Income * Debt_To_Income) 10.135 < 2e-16 ***
## Number_Delinqueny_2yrs 22.791 < 2e-16 ***
## I(Number_Delinqueny_2yrs * Number_Delinqueny_2yrs) -13.035 < 2e-16 ***
## Inquiries_Last_6Mo 31.259 < 2e-16 ***
## I(Inquiries_Last_6Mo * Inquiries_Last_6Mo) -11.174 < 2e-16 ***
## Number_Open_Accounts 14.877 < 2e-16 ***
## Public_Record_Count 20.435 < 2e-16 ***
## Revolving_Balance -11.384 < 2e-16 ***
## Revolving_Utilization 15.367 < 2e-16 ***
## I(Revolving_Utilization * Revolving_Utilization) 1.574 0.115581
## Total_Accounts -11.707 < 2e-16 ***
## Collections_12Mo_Exclude_Med 3.502 0.000463 ***
## pol_13 -12.589 < 2e-16 ***
## Initial_Loan_Term_Months_36months -79.764 < 2e-16 ***
## `Home_Owner_N/A` -3.922 8.80e-05 ***
## Home_Owner_RENT 2.666 0.007686 **
## Home_Owner_MORTGAGE -9.758 < 2e-16 ***
## Income_Verified_VERIFIED_incomesource 7.988 1.44e-15 ***
## Income_Verified_VERIFIED_income 19.102 < 2e-16 ***
## State_TN 3.630 0.000284 ***
## State_MA -2.180 0.029296 *
## State_FL 2.672 0.007548 **
## State_NY 2.412 0.015879 *
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 0.03243 on 23171 degrees of freedom
## Multiple R-squared: 0.4692, Adjusted R-squared: 0.4685
## F-statistic: 731.5 on 28 and 23171 DF, p-value: < 2.2e-16As we can see that the performance RMSE on validation data is 2.003, which is the best after I comparied several other models.
## [1] 0.03222466Final train the model on the all train date to generalize to prodict on the test data.
##
## Call:
## lm(formula = Interest_Rate ~ Loan_Amount_Requested + I(Loan_Amount_Requested *
## Loan_Amount_Requested) + Length_Employed + Annual_Income +
## (Annual_Income * Annual_Income) + Debt_To_Income + I(Debt_To_Income *
## Debt_To_Income) + Number_Delinqueny_2yrs + I(Number_Delinqueny_2yrs *
## Number_Delinqueny_2yrs) + Inquiries_Last_6Mo + I(Inquiries_Last_6Mo *
## Inquiries_Last_6Mo) + Number_Open_Accounts + Public_Record_Count +
## Revolving_Balance + Revolving_Utilization + I(Revolving_Utilization *
## Revolving_Utilization) + Total_Accounts + Collections_12Mo_Exclude_Med +
## pol_13 + Initial_Loan_Term_Months_36months + `Home_Owner_N/A` +
## Home_Owner_RENT + Home_Owner_MORTGAGE + Income_Verified_VERIFIED_incomesource +
## Income_Verified_VERIFIED_income + State_TN + State_MA + State_FL +
## State_NY, data = train)
##
## Residuals:
## Min 1Q Median 3Q Max
## -0.189401 -0.022885 -0.003128 0.019922 0.302418
##
## Coefficients:
## Estimate Std. Error
## (Intercept) 1.411e-01 1.599e-03
## Loan_Amount_Requested -2.640e-06 9.064e-08
## I(Loan_Amount_Requested * Loan_Amount_Requested) 7.730e-11 2.379e-12
## Length_Employed 1.268e-04 5.526e-05
## Annual_Income -6.826e-08 4.906e-09
## Debt_To_Income -8.624e-04 1.038e-04
## I(Debt_To_Income * Debt_To_Income) 3.101e-05 2.698e-06
## Number_Delinqueny_2yrs 9.820e-03 3.899e-04
## I(Number_Delinqueny_2yrs * Number_Delinqueny_2yrs) -9.510e-04 6.990e-05
## Inquiries_Last_6Mo 1.451e-02 4.107e-04
## I(Inquiries_Last_6Mo * Inquiries_Last_6Mo) -1.493e-03 1.136e-04
## Number_Open_Accounts 9.207e-04 5.429e-05
## Public_Record_Count 9.114e-03 3.838e-04
## Revolving_Balance -1.002e-07 8.346e-09
## Revolving_Utilization 5.923e-02 3.440e-03
## I(Revolving_Utilization * Revolving_Utilization) 5.385e-03 3.116e-03
## Total_Accounts -3.016e-04 2.299e-05
## Collections_12Mo_Exclude_Med 7.663e-03 1.899e-03
## pol_13 -6.151e-03 4.241e-04
## Initial_Loan_Term_Months_36months -4.192e-02 4.668e-04
## `Home_Owner_N/A` -3.940e-03 8.357e-04
## Home_Owner_RENT 2.099e-03 7.758e-04
## Home_Owner_MORTGAGE -8.288e-03 7.400e-04
## Income_Verified_VERIFIED_incomesource 4.131e-03 5.185e-04
## Income_Verified_VERIFIED_income 1.073e-02 5.147e-04
## State_TN 6.563e-03 1.685e-03
## State_MA -3.587e-03 1.244e-03
## State_FL 2.271e-03 7.947e-04
## State_NY 1.731e-03 7.036e-04
## t value Pr(>|t|)
## (Intercept) 88.214 < 2e-16 ***
## Loan_Amount_Requested -29.125 < 2e-16 ***
## I(Loan_Amount_Requested * Loan_Amount_Requested) 32.488 < 2e-16 ***
## Length_Employed 2.294 0.02178 *
## Annual_Income -13.915 < 2e-16 ***
## Debt_To_Income -8.307 < 2e-16 ***
## I(Debt_To_Income * Debt_To_Income) 11.494 < 2e-16 ***
## Number_Delinqueny_2yrs 25.185 < 2e-16 ***
## I(Number_Delinqueny_2yrs * Number_Delinqueny_2yrs) -13.605 < 2e-16 ***
## Inquiries_Last_6Mo 35.327 < 2e-16 ***
## I(Inquiries_Last_6Mo * Inquiries_Last_6Mo) -13.139 < 2e-16 ***
## Number_Open_Accounts 16.960 < 2e-16 ***
## Public_Record_Count 23.746 < 2e-16 ***
## Revolving_Balance -12.010 < 2e-16 ***
## Revolving_Utilization 17.218 < 2e-16 ***
## I(Revolving_Utilization * Revolving_Utilization) 1.728 0.08395 .
## Total_Accounts -13.119 < 2e-16 ***
## Collections_12Mo_Exclude_Med 4.036 5.45e-05 ***
## pol_13 -14.504 < 2e-16 ***
## Initial_Loan_Term_Months_36months -89.815 < 2e-16 ***
## `Home_Owner_N/A` -4.715 2.43e-06 ***
## Home_Owner_RENT 2.706 0.00681 **
## Home_Owner_MORTGAGE -11.201 < 2e-16 ***
## Income_Verified_VERIFIED_incomesource 7.967 1.68e-15 ***
## Income_Verified_VERIFIED_income 20.845 < 2e-16 ***
## State_TN 3.895 9.82e-05 ***
## State_MA -2.884 0.00393 **
## State_FL 2.858 0.00426 **
## State_NY 2.461 0.01388 *
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 0.03239 on 28971 degrees of freedom
## Multiple R-squared: 0.4699, Adjusted R-squared: 0.4694
## F-statistic: 917.3 on 28 and 28971 DF, p-value: < 2.2e-16Predict interest rate for test data and write it on csv files.