Overview
Stepwise model selection process
Setup
set.seed(1234)
rm(list=ls())Consumer Financial Protection Bureau
Download and Tidy dataset from CFPB
cfpb_df <- getCFPBFile()## The following `from` values were not present in `x`: -1, 1, 2, 3, 4, 5, 6, 7, 98, 99cfpb_df$cfpb_score_4cat <- cut(cfpb_df$cfpb_score, breaks = c(-10, 40, 60, 80, 100),
labels = c("< 40","40-60","60-80","80-100"),
right = FALSE,
include.lowest=TRUE)
cfpb_df <- cfpb_df %>% filter(cfpb_score >= 0)
cfpb_df <- slice_sample(cfpb_df, weight_by=cfpb_score_4cat ,n=4000)
# remove calculated variables
cfpb_df <- cfpb_df %>% select(-c(cfpb_score_4cat, fs_skills_score, fs_lm_score, fs_kh_score))
cfpb_base_df <- cfpb_df
# select independent variables
#cfpb_df <- cfpb_df %>% select(cfpb_score, econ_hh_income, econ_save_rate, age_8cat) # 0.3984
# split data
cfpb_split <- initial_split(cfpb_df, prop = 0.8, strata = cfpb_score)
cfpb_training <- training(cfpb_split)
cfpb_test <- testing(cfpb_split)full model
cfpb_result1<-lm(cfpb_score ~ . ,data=cfpb_training)
summary(cfpb_result1)##
## Call:
## lm(formula = cfpb_score ~ ., data = cfpb_training)
##
## Residuals:
## Min 1Q Median 3Q Max
## -37.220 -6.680 -0.248 6.029 45.172
##
## Coefficients: (5 not defined because of singularities)
## Estimate Std. Error t value
## (Intercept) 53.35289 4.60118 11.595
## sample_popAge 62+ oversample -0.79580 0.60830 -1.308
## sample_popRace/ethnicity and poverty oversample -1.80168 0.90310 -1.995
## poverty_stat100%-199% FPL 0.01824 1.18014 0.015
## poverty_stat200%+ FPL -1.57867 1.51327 -1.043
## hh_arrangeonly adult in the household 5.41950 3.95503 1.370
## hh_arrangemy spouse/partner/significant other 4.77823 3.92858 1.216
## hh_arrangein my parents' home 5.17382 4.01906 1.287
## hh_arrangewith other family, friends etc 4.61471 3.98607 1.158
## hh_arrangeSome other arrangement 4.92531 4.14661 1.188
## hh_earnersOne -3.33494 2.17960 -1.530
## hh_earnersTwo -2.92721 2.18361 -1.341
## hh_earnersMore than two -2.95785 2.31560 -1.277
## econ_save_rate0 -8.02092 3.63526 -2.206
## econ_save_rate$1-99 -6.72349 3.65288 -1.841
## econ_save_rate$100-999 -3.09194 3.59303 -0.861
## econ_save_rate$1,000-4,999 0.92754 3.57542 0.259
## econ_save_rate$5,000-19,999 5.23351 3.57212 1.465
## econ_save_rate$20,000-74,999 8.84223 3.56719 2.479
## econ_save_rate$75,000 or more 11.70679 3.57240 3.277
## econ_save_rateI don't know 0.69617 3.70879 0.188
## econ_save_ratePrefer not to say 6.55958 3.57583 1.834
## house_ownershipI own my home -5.90701 3.59616 -1.643
## house_ownershipI rent -5.69865 3.39609 -1.678
## house_ownershipI do not currently own or rent -5.65495 3.46925 -1.630
## house_valueRefused -0.97012 6.17399 -0.157
## house_valueLess than $150,000 0.93141 1.40959 0.661
## house_value$150,000-249,999 2.19887 1.39410 1.577
## house_value$250,000-399,999 3.83432 1.40484 2.729
## house_value$400,000 or more 4.06678 1.46714 2.772
## house_valueI don't know -1.19858 1.89650 -0.632
## house_valuePrefer not to say NA NA NA
## house_mortgageRefused 4.13564 2.09018 1.979
## house_mortgageLess than $50,000 2.00847 0.83935 2.393
## house_mortgage$50,000-199,999 -1.20570 0.88486 -1.363
## house_mortgage$200,000 or more -2.64284 1.06027 -2.493
## house_mortgageI don't know -3.54426 1.55446 -2.280
## house_mortgagePrefer not to say NA NA NA
## age_8cat25-34 -0.97656 0.97738 -0.999
## age_8cat35-44 -1.46411 2.17402 -0.673
## age_8cat45-54 -2.30104 2.33157 -0.987
## age_8cat55-61 -1.96206 2.51661 -0.780
## age_8cat62-69 2.23199 2.52390 0.884
## age_8cat70-74 4.76230 2.82659 1.685
## age_8cat75+ 5.20378 2.98313 1.744
## age_generationBoomer 1.25424 1.51536 0.828
## age_generationGen X 1.28023 1.79690 0.712
## age_generationMillennial 1.70817 2.71420 0.629
## edu_levelHigh school degree/GED -0.04086 0.87551 -0.047
## edu_levelSome college/Associate -0.40530 0.88868 -0.456
## edu_levelBachelor's degree -0.10158 0.95552 -0.106
## edu_levelGraduate/professional degree 0.25203 0.99431 0.253
## raceBlack, Non-Hispanic 2.19630 0.70539 3.114
## raceOther, Non-Hispanic -1.00007 0.88196 -1.134
## raceHispanic 0.35831 0.66284 0.541
## genderFemale -0.48855 0.38636 -1.264
## econ_hh_income$20,000 to $29,999 -0.97353 1.20086 -0.811
## econ_hh_income$30,000 to $39,999 1.65842 1.36815 1.212
## econ_hh_income$40,000 to $49,999 3.79329 1.49095 2.544
## econ_hh_income$50,000 to $59,999 4.19015 1.54837 2.706
## econ_hh_income$60,000 to $74,999 4.31292 1.56440 2.757
## econ_hh_income$75,000 to $99,999 6.11935 1.55668 3.931
## econ_hh_income$100,000 to $149,999 7.02246 1.57326 4.464
## econ_hh_income$150,000 or more 8.47614 1.63440 5.186
## hh_size2 -1.12873 0.68720 -1.642
## hh_size3 -2.24782 0.80808 -2.782
## hh_size4 -1.73767 0.87900 -1.977
## hh_size5+ -2.05922 0.99066 -2.079
## marital_statusWidowed -0.31683 1.11349 -0.285
## marital_statusDivorced/Separated -0.81441 0.87222 -0.934
## marital_statusNever married -1.32294 0.96195 -1.375
## marital_statusLiving with partner -1.72946 0.94783 -1.825
## metroMetro -0.15693 0.57179 -0.274
## region_4baseMidwest 1.04951 1.07272 0.978
## region_4baseSouth 1.79440 1.03466 1.734
## region_4baseWest 0.15722 0.96314 0.163
## region_9baseMid-Atlantic -1.32403 0.97533 -1.358
## region_9baseEast-North Central 0.62109 0.82168 0.756
## region_9baseWest-North Central NA NA NA
## region_9baseSouth Atlantic -1.24421 0.73994 -1.681
## region_9baseEast-South Central -1.04028 1.04247 -0.998
## region_9baseWest-South Central NA NA NA
## region_9baseMountain 1.42396 0.83255 1.710
## region_9basePacific NA NA NA
## Pr(>|t|)
## (Intercept) < 2e-16 ***
## sample_popAge 62+ oversample 0.19089
## sample_popRace/ethnicity and poverty oversample 0.04613 *
## poverty_stat100%-199% FPL 0.98767
## poverty_stat200%+ FPL 0.29693
## hh_arrangeonly adult in the household 0.17070
## hh_arrangemy spouse/partner/significant other 0.22397
## hh_arrangein my parents' home 0.19808
## hh_arrangewith other family, friends etc 0.24707
## hh_arrangeSome other arrangement 0.23501
## hh_earnersOne 0.12610
## hh_earnersTwo 0.18017
## hh_earnersMore than two 0.20157
## econ_save_rate0 0.02743 *
## econ_save_rate$1-99 0.06578 .
## econ_save_rate$100-999 0.38956
## econ_save_rate$1,000-4,999 0.79533
## econ_save_rate$5,000-19,999 0.14300
## econ_save_rate$20,000-74,999 0.01324 *
## econ_save_rate$75,000 or more 0.00106 **
## econ_save_rateI don't know 0.85112
## econ_save_ratePrefer not to say 0.06669 .
## house_ownershipI own my home 0.10057
## house_ownershipI rent 0.09345 .
## house_ownershipI do not currently own or rent 0.10320
## house_valueRefused 0.87515
## house_valueLess than $150,000 0.50881
## house_value$150,000-249,999 0.11484
## house_value$250,000-399,999 0.00638 **
## house_value$400,000 or more 0.00561 **
## house_valueI don't know 0.52744
## house_valuePrefer not to say NA
## house_mortgageRefused 0.04795 *
## house_mortgageLess than $50,000 0.01677 *
## house_mortgage$50,000-199,999 0.17311
## house_mortgage$200,000 or more 0.01273 *
## house_mortgageI don't know 0.02267 *
## house_mortgagePrefer not to say NA
## age_8cat25-34 0.31779
## age_8cat35-44 0.50071
## age_8cat45-54 0.32376
## age_8cat55-61 0.43566
## age_8cat62-69 0.37658
## age_8cat70-74 0.09212 .
## age_8cat75+ 0.08119 .
## age_generationBoomer 0.40791
## age_generationGen X 0.47623
## age_generationMillennial 0.52917
## edu_levelHigh school degree/GED 0.96278
## edu_levelSome college/Associate 0.64837
## edu_levelBachelor's degree 0.91535
## edu_levelGraduate/professional degree 0.79992
## raceBlack, Non-Hispanic 0.00187 **
## raceOther, Non-Hispanic 0.25692
## raceHispanic 0.58884
## genderFemale 0.20615
## econ_hh_income$20,000 to $29,999 0.41760
## econ_hh_income$30,000 to $39,999 0.22554
## econ_hh_income$40,000 to $49,999 0.01100 *
## econ_hh_income$50,000 to $59,999 0.00684 **
## econ_hh_income$60,000 to $74,999 0.00587 **
## econ_hh_income$75,000 to $99,999 8.64e-05 ***
## econ_hh_income$100,000 to $149,999 8.34e-06 ***
## econ_hh_income$150,000 or more 2.28e-07 ***
## hh_size2 0.10059
## hh_size3 0.00544 **
## hh_size4 0.04814 *
## hh_size5+ 0.03773 *
## marital_statusWidowed 0.77602
## marital_statusDivorced/Separated 0.35052
## marital_statusNever married 0.16915
## marital_statusLiving with partner 0.06815 .
## metroMetro 0.78376
## region_4baseMidwest 0.32797
## region_4baseSouth 0.08296 .
## region_4baseWest 0.87034
## region_9baseMid-Atlantic 0.17471
## region_9baseEast-North Central 0.44978
## region_9baseWest-North Central NA
## region_9baseSouth Atlantic 0.09277 .
## region_9baseEast-South Central 0.31840
## region_9baseWest-South Central NA
## region_9baseMountain 0.08730 .
## region_9basePacific NA
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 10.4 on 3120 degrees of freedom
## Multiple R-squared: 0.4383, Adjusted R-squared: 0.4243
## F-statistic: 31.21 on 78 and 3120 DF, p-value: < 2.2e-16Stepwise regression both
The function step should be called and the direction is set to both so that the algorithm can add and drop predictors in every iteration. Finally, when dropping/adding any variable will not give a positive impact to our model in terms of performance, the stepwise process is done
cfpb_results2<-stats::step(cfpb_result1, direction = "both")## Start: AIC=15062.92
## cfpb_score ~ sample_pop + poverty_stat + hh_arrange + hh_earners +
## econ_save_rate + house_ownership + house_value + house_mortgage +
## age_8cat + age_generation + edu_level + race + gender + econ_hh_income +
## hh_size + marital_status + metro + region_4base + region_9base
##
##
## Step: AIC=15062.92
## cfpb_score ~ sample_pop + poverty_stat + hh_arrange + hh_earners +
## econ_save_rate + house_ownership + house_value + house_mortgage +
## age_8cat + age_generation + edu_level + race + gender + econ_hh_income +
## hh_size + marital_status + metro + region_9base
##
## Df Sum of Sq RSS AIC
## - hh_arrange 5 272 337946 15056
## - edu_level 4 148 337822 15056
## - age_generation 3 79 337753 15058
## - marital_status 4 471 338145 15059
## - hh_earners 3 306 337980 15060
## - metro 1 8 337682 15061
## - house_ownership 2 305 337979 15062
## - poverty_stat 2 337 338011 15062
## - gender 1 173 337847 15063
## <none> 337674 15063
## - hh_size 4 917 338591 15064
## - sample_pop 2 583 338257 15064
## - race 3 1287 338961 15069
## - region_9base 8 2891 340564 15074
## - house_value 6 2900 340574 15078
## - age_8cat 7 5365 343039 15099
## - house_mortgage 5 5959 343633 15109
## - econ_hh_income 8 8082 345756 15123
## - econ_save_rate 9 67208 404882 15626
##
## Step: AIC=15055.49
## cfpb_score ~ sample_pop + poverty_stat + hh_earners + econ_save_rate +
## house_ownership + house_value + house_mortgage + age_8cat +
## age_generation + edu_level + race + gender + econ_hh_income +
## hh_size + marital_status + metro + region_9base
##
## Df Sum of Sq RSS AIC
## - edu_level 4 167 338113 15049
## - age_generation 3 81 338027 15050
## - hh_earners 3 235 338181 15052
## - marital_status 4 499 338445 15052
## - house_ownership 2 143 338088 15053
## - metro 1 6 337952 15054
## - poverty_stat 2 323 338268 15054
## - gender 1 177 338122 15055
## <none> 337946 15056
## - sample_pop 2 576 338522 15057
## - hh_size 4 1232 339178 15059
## - race 3 1270 339216 15062
## + hh_arrange 5 272 337674 15063
## - region_9base 8 2913 340858 15067
## - house_value 6 2904 340849 15071
## - age_8cat 7 5400 343345 15092
## - house_mortgage 5 5950 343895 15101
## - econ_hh_income 8 8062 346008 15115
## - econ_save_rate 9 67395 405341 15619
##
## Step: AIC=15049.07
## cfpb_score ~ sample_pop + poverty_stat + hh_earners + econ_save_rate +
## house_ownership + house_value + house_mortgage + age_8cat +
## age_generation + race + gender + econ_hh_income + hh_size +
## marital_status + metro + region_9base
##
## Df Sum of Sq RSS AIC
## - age_generation 3 92 338204 15044
## - hh_earners 3 218 338330 15045
## - marital_status 4 515 338628 15046
## - house_ownership 2 147 338259 15046
## - metro 1 6 338118 15047
## - poverty_stat 2 334 338446 15048
## - gender 1 172 338285 15049
## <none> 338113 15049
## - sample_pop 2 585 338698 15051
## - hh_size 4 1265 339377 15053
## - race 3 1253 339366 15055
## + edu_level 4 167 337946 15056
## + hh_arrange 5 290 337822 15056
## - region_9base 8 2896 341008 15060
## - house_value 6 2953 341065 15065
## - age_8cat 7 5430 343542 15086
## - house_mortgage 5 5977 344090 15095
## - econ_hh_income 8 8921 347034 15116
## - econ_save_rate 9 68454 406567 15621
##
## Step: AIC=15043.94
## cfpb_score ~ sample_pop + poverty_stat + hh_earners + econ_save_rate +
## house_ownership + house_value + house_mortgage + age_8cat +
## race + gender + econ_hh_income + hh_size + marital_status +
## metro + region_9base
##
## Df Sum of Sq RSS AIC
## - hh_earners 3 214 338418 15040
## - marital_status 4 515 338719 15041
## - house_ownership 2 148 338352 15041
## - metro 1 5 338209 15042
## - poverty_stat 2 325 338529 15043
## - gender 1 168 338372 15044
## <none> 338204 15044
## - sample_pop 2 574 338778 15045
## - hh_size 4 1271 339475 15048
## + age_generation 3 92 338113 15049
## - race 3 1251 339455 15050
## + edu_level 4 177 338027 15050
## + hh_arrange 5 293 337912 15051
## - region_9base 8 2889 341094 15055
## - house_value 6 2961 341166 15060
## - house_mortgage 5 6018 344223 15090
## - econ_hh_income 8 8926 347130 15111
## - age_8cat 7 9626 347830 15120
## - econ_save_rate 9 68436 406641 15615
##
## Step: AIC=15039.96
## cfpb_score ~ sample_pop + poverty_stat + econ_save_rate + house_ownership +
## house_value + house_mortgage + age_8cat + race + gender +
## econ_hh_income + hh_size + marital_status + metro + region_9base
##
## Df Sum of Sq RSS AIC
## - marital_status 4 556 338974 15037
## - metro 1 7 338425 15038
## - house_ownership 2 221 338638 15038
## - poverty_stat 2 310 338728 15039
## - gender 1 170 338588 15040
## <none> 338418 15040
## - sample_pop 2 546 338964 15041
## - hh_size 4 1260 339678 15044
## + hh_earners 3 214 338204 15044
## + age_generation 3 87 338330 15045
## - race 3 1270 339688 15046
## + edu_level 4 159 338258 15046
## + hh_arrange 5 219 338198 15048
## - region_9base 8 2842 341260 15051
## - house_value 6 2971 341388 15056
## - house_mortgage 5 6072 344489 15087
## - econ_hh_income 8 8983 347400 15108
## - age_8cat 7 9845 348263 15118
## - econ_save_rate 9 68434 406852 15611
##
## Step: AIC=15037.21
## cfpb_score ~ sample_pop + poverty_stat + econ_save_rate + house_ownership +
## house_value + house_mortgage + age_8cat + race + gender +
## econ_hh_income + hh_size + metro + region_9base
##
## Df Sum of Sq RSS AIC
## - metro 1 14 338988 15035
## - house_ownership 2 255 339229 15036
## - poverty_stat 2 289 339263 15036
## - gender 1 159 339133 15037
## <none> 338974 15037
## - sample_pop 2 541 339515 15038
## - hh_size 4 1001 339975 15039
## + marital_status 4 556 338418 15040
## + hh_earners 3 255 338719 15041
## - race 3 1177 340151 15042
## + age_generation 3 86 338888 15042
## + edu_level 4 177 338797 15044
## + hh_arrange 5 301 338673 15044
## - region_9base 8 2896 341870 15048
## - house_value 6 3001 341975 15053
## - house_mortgage 5 5899 344873 15082
## - econ_hh_income 8 9152 348126 15106
## - age_8cat 7 10932 349906 15125
## - econ_save_rate 9 69163 408137 15613
##
## Step: AIC=15035.34
## cfpb_score ~ sample_pop + poverty_stat + econ_save_rate + house_ownership +
## house_value + house_mortgage + age_8cat + race + gender +
## econ_hh_income + hh_size + region_9base
##
## Df Sum of Sq RSS AIC
## - house_ownership 2 255 339243 15034
## - poverty_stat 2 290 339278 15034
## - gender 1 158 339146 15035
## <none> 338988 15035
## - sample_pop 2 543 339530 15036
## - hh_size 4 995 339983 15037
## + metro 1 14 338974 15037
## + marital_status 4 563 338425 15038
## + hh_earners 3 259 338729 15039
## - race 3 1164 340152 15040
## + age_generation 3 86 338902 15040
## + edu_level 4 176 338811 15042
## + hh_arrange 5 302 338685 15042
## - region_9base 8 2922 341909 15047
## - house_value 6 2992 341980 15051
## - house_mortgage 5 5938 344926 15081
## - econ_hh_income 8 9145 348133 15104
## - age_8cat 7 10935 349922 15123
## - econ_save_rate 9 69150 408137 15611
##
## Step: AIC=15033.74
## cfpb_score ~ sample_pop + poverty_stat + econ_save_rate + house_value +
## house_mortgage + age_8cat + race + gender + econ_hh_income +
## hh_size + region_9base
##
## Df Sum of Sq RSS AIC
## - poverty_stat 2 278 339521 15032
## - gender 1 151 339394 15033
## <none> 339243 15034
## - sample_pop 2 542 339785 15035
## - hh_size 4 1003 340245 15035
## + house_ownership 2 255 338988 15035
## + metro 1 14 339229 15036
## + marital_status 4 597 338646 15036
## + hh_earners 3 342 338901 15036
## - race 3 1171 340414 15039
## + age_generation 3 86 339156 15039
## + edu_level 4 181 339061 15040
## + hh_arrange 5 157 339085 15042
## - region_9base 8 2936 342179 15045
## - house_value 6 2975 342218 15050
## - house_mortgage 5 5869 345111 15079
## - econ_hh_income 8 9098 348340 15102
## - age_8cat 7 10929 350171 15121
## - econ_save_rate 9 69828 409071 15614
##
## Step: AIC=15032.37
## cfpb_score ~ sample_pop + econ_save_rate + house_value + house_mortgage +
## age_8cat + race + gender + econ_hh_income + hh_size + region_9base
##
## Df Sum of Sq RSS AIC
## - gender 1 162 339683 15032
## - hh_size 4 811 340332 15032
## <none> 339521 15032
## - sample_pop 2 534 340055 15033
## + poverty_stat 2 278 339243 15034
## + house_ownership 2 243 339278 15034
## + metro 1 15 339506 15034
## + marital_status 4 576 338945 15035
## + hh_earners 3 320 339201 15035
## - race 3 1182 340703 15038
## + age_generation 3 78 339443 15038
## + edu_level 4 192 339329 15039
## + hh_arrange 5 156 339365 15041
## - region_9base 8 2918 342439 15044
## - house_value 6 2990 342511 15048
## - house_mortgage 5 5914 345435 15078
## - age_8cat 7 10888 350409 15119
## - econ_hh_income 8 12503 352024 15132
## - econ_save_rate 9 69621 409142 15611
##
## Step: AIC=15031.89
## cfpb_score ~ sample_pop + econ_save_rate + house_value + house_mortgage +
## age_8cat + race + econ_hh_income + hh_size + region_9base
##
## Df Sum of Sq RSS AIC
## - hh_size 4 824 340507 15032
## <none> 339683 15032
## + gender 1 162 339521 15032
## - sample_pop 2 542 340225 15033
## + poverty_stat 2 289 339394 15033
## + house_ownership 2 236 339447 15034
## + metro 1 14 339669 15034
## + marital_status 4 563 339120 15035
## + hh_earners 3 328 339355 15035
## - race 3 1155 340838 15037
## + age_generation 3 72 339611 15037
## + edu_level 4 184 339499 15038
## + hh_arrange 5 176 339507 15040
## - region_9base 8 2932 342615 15043
## - house_value 6 3032 342715 15048
## - house_mortgage 5 6033 345716 15078
## - age_8cat 7 10795 350478 15118
## - econ_hh_income 8 12604 352287 15132
## - econ_save_rate 9 69851 409534 15612
##
## Step: AIC=15031.65
## cfpb_score ~ sample_pop + econ_save_rate + house_value + house_mortgage +
## age_8cat + race + econ_hh_income + region_9base
##
## Df Sum of Sq RSS AIC
## <none> 340507 15032
## + hh_size 4 824 339683 15032
## + gender 1 176 340332 15032
## - sample_pop 2 528 341035 15033
## + house_ownership 2 250 340257 15033
## + metro 1 8 340500 15034
## + poverty_stat 2 97 340410 15035
## + hh_earners 3 297 340210 15035
## - race 3 1109 341617 15036
## + age_generation 3 84 340424 15037
## + marital_status 4 279 340228 15037
## + edu_level 4 201 340306 15038
## + hh_arrange 5 321 340186 15039
## - region_9base 8 2867 343374 15042
## - house_value 6 2998 343506 15048
## - house_mortgage 5 6009 346516 15078
## - econ_hh_income 8 11999 352506 15126
## - age_8cat 7 12095 352602 15129
## - econ_save_rate 9 72910 413417 15634Stepwise regression Akaike information criterion (AIC)
For AIC and BIC, we use step function again and specify the penalty for the number of freedom. For instance, we have k=2 in AIC and k=log(n) in BIC, implying that BIC normally gives a larger penalty on the number of parameters in the model according to the definition of BIC. Once the model selection is done, we should expect a smaller number of predictors in BIC than AIC below.
cfpb_result3<- stats::step(cfpb_result1, k=2)## Start: AIC=15062.92
## cfpb_score ~ sample_pop + poverty_stat + hh_arrange + hh_earners +
## econ_save_rate + house_ownership + house_value + house_mortgage +
## age_8cat + age_generation + edu_level + race + gender + econ_hh_income +
## hh_size + marital_status + metro + region_4base + region_9base
##
##
## Step: AIC=15062.92
## cfpb_score ~ sample_pop + poverty_stat + hh_arrange + hh_earners +
## econ_save_rate + house_ownership + house_value + house_mortgage +
## age_8cat + age_generation + edu_level + race + gender + econ_hh_income +
## hh_size + marital_status + metro + region_9base
##
## Df Sum of Sq RSS AIC
## - hh_arrange 5 272 337946 15056
## - edu_level 4 148 337822 15056
## - age_generation 3 79 337753 15058
## - marital_status 4 471 338145 15059
## - hh_earners 3 306 337980 15060
## - metro 1 8 337682 15061
## - house_ownership 2 305 337979 15062
## - poverty_stat 2 337 338011 15062
## - gender 1 173 337847 15063
## <none> 337674 15063
## - hh_size 4 917 338591 15064
## - sample_pop 2 583 338257 15064
## - race 3 1287 338961 15069
## - region_9base 8 2891 340564 15074
## - house_value 6 2900 340574 15078
## - age_8cat 7 5365 343039 15099
## - house_mortgage 5 5959 343633 15109
## - econ_hh_income 8 8082 345756 15123
## - econ_save_rate 9 67208 404882 15626
##
## Step: AIC=15055.49
## cfpb_score ~ sample_pop + poverty_stat + hh_earners + econ_save_rate +
## house_ownership + house_value + house_mortgage + age_8cat +
## age_generation + edu_level + race + gender + econ_hh_income +
## hh_size + marital_status + metro + region_9base
##
## Df Sum of Sq RSS AIC
## - edu_level 4 167 338113 15049
## - age_generation 3 81 338027 15050
## - hh_earners 3 235 338181 15052
## - marital_status 4 499 338445 15052
## - house_ownership 2 143 338088 15053
## - metro 1 6 337952 15054
## - poverty_stat 2 323 338268 15054
## - gender 1 177 338122 15055
## <none> 337946 15056
## - sample_pop 2 576 338522 15057
## - hh_size 4 1232 339178 15059
## - race 3 1270 339216 15062
## - region_9base 8 2913 340858 15067
## - house_value 6 2904 340849 15071
## - age_8cat 7 5400 343345 15092
## - house_mortgage 5 5950 343895 15101
## - econ_hh_income 8 8062 346008 15115
## - econ_save_rate 9 67395 405341 15619
##
## Step: AIC=15049.07
## cfpb_score ~ sample_pop + poverty_stat + hh_earners + econ_save_rate +
## house_ownership + house_value + house_mortgage + age_8cat +
## age_generation + race + gender + econ_hh_income + hh_size +
## marital_status + metro + region_9base
##
## Df Sum of Sq RSS AIC
## - age_generation 3 92 338204 15044
## - hh_earners 3 218 338330 15045
## - marital_status 4 515 338628 15046
## - house_ownership 2 147 338259 15046
## - metro 1 6 338118 15047
## - poverty_stat 2 334 338446 15048
## - gender 1 172 338285 15049
## <none> 338113 15049
## - sample_pop 2 585 338698 15051
## - hh_size 4 1265 339377 15053
## - race 3 1253 339366 15055
## - region_9base 8 2896 341008 15060
## - house_value 6 2953 341065 15065
## - age_8cat 7 5430 343542 15086
## - house_mortgage 5 5977 344090 15095
## - econ_hh_income 8 8921 347034 15116
## - econ_save_rate 9 68454 406567 15621
##
## Step: AIC=15043.94
## cfpb_score ~ sample_pop + poverty_stat + hh_earners + econ_save_rate +
## house_ownership + house_value + house_mortgage + age_8cat +
## race + gender + econ_hh_income + hh_size + marital_status +
## metro + region_9base
##
## Df Sum of Sq RSS AIC
## - hh_earners 3 214 338418 15040
## - marital_status 4 515 338719 15041
## - house_ownership 2 148 338352 15041
## - metro 1 5 338209 15042
## - poverty_stat 2 325 338529 15043
## - gender 1 168 338372 15044
## <none> 338204 15044
## - sample_pop 2 574 338778 15045
## - hh_size 4 1271 339475 15048
## - race 3 1251 339455 15050
## - region_9base 8 2889 341094 15055
## - house_value 6 2961 341166 15060
## - house_mortgage 5 6018 344223 15090
## - econ_hh_income 8 8926 347130 15111
## - age_8cat 7 9626 347830 15120
## - econ_save_rate 9 68436 406641 15615
##
## Step: AIC=15039.96
## cfpb_score ~ sample_pop + poverty_stat + econ_save_rate + house_ownership +
## house_value + house_mortgage + age_8cat + race + gender +
## econ_hh_income + hh_size + marital_status + metro + region_9base
##
## Df Sum of Sq RSS AIC
## - marital_status 4 556 338974 15037
## - metro 1 7 338425 15038
## - house_ownership 2 221 338638 15038
## - poverty_stat 2 310 338728 15039
## - gender 1 170 338588 15040
## <none> 338418 15040
## - sample_pop 2 546 338964 15041
## - hh_size 4 1260 339678 15044
## - race 3 1270 339688 15046
## - region_9base 8 2842 341260 15051
## - house_value 6 2971 341388 15056
## - house_mortgage 5 6072 344489 15087
## - econ_hh_income 8 8983 347400 15108
## - age_8cat 7 9845 348263 15118
## - econ_save_rate 9 68434 406852 15611
##
## Step: AIC=15037.21
## cfpb_score ~ sample_pop + poverty_stat + econ_save_rate + house_ownership +
## house_value + house_mortgage + age_8cat + race + gender +
## econ_hh_income + hh_size + metro + region_9base
##
## Df Sum of Sq RSS AIC
## - metro 1 14 338988 15035
## - house_ownership 2 255 339229 15036
## - poverty_stat 2 289 339263 15036
## - gender 1 159 339133 15037
## <none> 338974 15037
## - sample_pop 2 541 339515 15038
## - hh_size 4 1001 339975 15039
## - race 3 1177 340151 15042
## - region_9base 8 2896 341870 15048
## - house_value 6 3001 341975 15053
## - house_mortgage 5 5899 344873 15082
## - econ_hh_income 8 9152 348126 15106
## - age_8cat 7 10932 349906 15125
## - econ_save_rate 9 69163 408137 15613
##
## Step: AIC=15035.34
## cfpb_score ~ sample_pop + poverty_stat + econ_save_rate + house_ownership +
## house_value + house_mortgage + age_8cat + race + gender +
## econ_hh_income + hh_size + region_9base
##
## Df Sum of Sq RSS AIC
## - house_ownership 2 255 339243 15034
## - poverty_stat 2 290 339278 15034
## - gender 1 158 339146 15035
## <none> 338988 15035
## - sample_pop 2 543 339530 15036
## - hh_size 4 995 339983 15037
## - race 3 1164 340152 15040
## - region_9base 8 2922 341909 15047
## - house_value 6 2992 341980 15051
## - house_mortgage 5 5938 344926 15081
## - econ_hh_income 8 9145 348133 15104
## - age_8cat 7 10935 349922 15123
## - econ_save_rate 9 69150 408137 15611
##
## Step: AIC=15033.74
## cfpb_score ~ sample_pop + poverty_stat + econ_save_rate + house_value +
## house_mortgage + age_8cat + race + gender + econ_hh_income +
## hh_size + region_9base
##
## Df Sum of Sq RSS AIC
## - poverty_stat 2 278 339521 15032
## - gender 1 151 339394 15033
## <none> 339243 15034
## - sample_pop 2 542 339785 15035
## - hh_size 4 1003 340245 15035
## - race 3 1171 340414 15039
## - region_9base 8 2936 342179 15045
## - house_value 6 2975 342218 15050
## - house_mortgage 5 5869 345111 15079
## - econ_hh_income 8 9098 348340 15102
## - age_8cat 7 10929 350171 15121
## - econ_save_rate 9 69828 409071 15614
##
## Step: AIC=15032.37
## cfpb_score ~ sample_pop + econ_save_rate + house_value + house_mortgage +
## age_8cat + race + gender + econ_hh_income + hh_size + region_9base
##
## Df Sum of Sq RSS AIC
## - gender 1 162 339683 15032
## - hh_size 4 811 340332 15032
## <none> 339521 15032
## - sample_pop 2 534 340055 15033
## - race 3 1182 340703 15038
## - region_9base 8 2918 342439 15044
## - house_value 6 2990 342511 15048
## - house_mortgage 5 5914 345435 15078
## - age_8cat 7 10888 350409 15119
## - econ_hh_income 8 12503 352024 15132
## - econ_save_rate 9 69621 409142 15611
##
## Step: AIC=15031.89
## cfpb_score ~ sample_pop + econ_save_rate + house_value + house_mortgage +
## age_8cat + race + econ_hh_income + hh_size + region_9base
##
## Df Sum of Sq RSS AIC
## - hh_size 4 824 340507 15032
## <none> 339683 15032
## - sample_pop 2 542 340225 15033
## - race 3 1155 340838 15037
## - region_9base 8 2932 342615 15043
## - house_value 6 3032 342715 15048
## - house_mortgage 5 6033 345716 15078
## - age_8cat 7 10795 350478 15118
## - econ_hh_income 8 12604 352287 15132
## - econ_save_rate 9 69851 409534 15612
##
## Step: AIC=15031.65
## cfpb_score ~ sample_pop + econ_save_rate + house_value + house_mortgage +
## age_8cat + race + econ_hh_income + region_9base
##
## Df Sum of Sq RSS AIC
## <none> 340507 15032
## - sample_pop 2 528 341035 15033
## - race 3 1109 341617 15036
## - region_9base 8 2867 343374 15042
## - house_value 6 2998 343506 15048
## - house_mortgage 5 6009 346516 15078
## - econ_hh_income 8 11999 352506 15126
## - age_8cat 7 12095 352602 15129
## - econ_save_rate 9 72910 413417 15634Bayes information criterion (BIC)
cfpb_result4<-stats::step(cfpb_result1, k=log(nrow(cfpb_training)))## Start: AIC=15542.49
## cfpb_score ~ sample_pop + poverty_stat + hh_arrange + hh_earners +
## econ_save_rate + house_ownership + house_value + house_mortgage +
## age_8cat + age_generation + edu_level + race + gender + econ_hh_income +
## hh_size + marital_status + metro + region_4base + region_9base
##
##
## Step: AIC=15542.49
## cfpb_score ~ sample_pop + poverty_stat + hh_arrange + hh_earners +
## econ_save_rate + house_ownership + house_value + house_mortgage +
## age_8cat + age_generation + edu_level + race + gender + econ_hh_income +
## hh_size + marital_status + metro + region_9base
##
## Df Sum of Sq RSS AIC
## - hh_arrange 5 272 337946 15505
## - region_9base 8 2891 340564 15505
## - edu_level 4 148 337822 15512
## - marital_status 4 471 338145 15515
## - hh_size 4 917 338591 15519
## - age_generation 3 79 337753 15519
## - hh_earners 3 306 337980 15521
## - house_value 6 2900 340574 15521
## - house_ownership 2 305 337979 15529
## - poverty_stat 2 337 338011 15530
## - race 3 1287 338961 15530
## - sample_pop 2 583 338257 15532
## - metro 1 8 337682 15534
## - gender 1 173 337847 15536
## - age_8cat 7 5365 343039 15536
## <none> 337674 15542
## - econ_hh_income 8 8082 345756 15554
## - house_mortgage 5 5959 343633 15558
## - econ_save_rate 9 67208 404882 16050
##
## Step: AIC=15504.71
## cfpb_score ~ sample_pop + poverty_stat + hh_earners + econ_save_rate +
## house_ownership + house_value + house_mortgage + age_8cat +
## age_generation + edu_level + race + gender + econ_hh_income +
## hh_size + marital_status + metro + region_9base
##
## Df Sum of Sq RSS AIC
## - region_9base 8 2913 340858 15468
## - edu_level 4 167 338113 15474
## - marital_status 4 499 338445 15477
## - age_generation 3 81 338027 15481
## - hh_earners 3 235 338181 15483
## - house_value 6 2904 340849 15484
## - hh_size 4 1232 339178 15484
## - house_ownership 2 143 338088 15490
## - poverty_stat 2 323 338268 15492
## - race 3 1270 339216 15492
## - sample_pop 2 576 338522 15494
## - metro 1 6 337952 15497
## - gender 1 177 338122 15498
## - age_8cat 7 5400 343345 15499
## <none> 337946 15505
## - econ_hh_income 8 8062 346008 15516
## - house_mortgage 5 5950 343895 15520
## - econ_save_rate 9 67395 405341 16014
##
## Step: AIC=15467.6
## cfpb_score ~ sample_pop + poverty_stat + hh_earners + econ_save_rate +
## house_ownership + house_value + house_mortgage + age_8cat +
## age_generation + edu_level + race + gender + econ_hh_income +
## hh_size + marital_status + metro
##
## Df Sum of Sq RSS AIC
## - edu_level 4 150 341008 15437
## - marital_status 4 532 341390 15440
## - house_value 6 2661 343519 15444
## - age_generation 3 76 340934 15444
## - hh_earners 3 183 341042 15445
## - hh_size 4 1236 342094 15447
## - house_ownership 2 172 341031 15453
## - poverty_stat 2 307 341165 15454
## - race 3 1180 342038 15454
## - sample_pop 2 585 341443 15457
## - metro 1 24 340882 15460
## - age_8cat 7 5307 346165 15460
## - gender 1 184 341043 15461
## <none> 340858 15468
## - econ_hh_income 8 7806 348664 15476
## - house_mortgage 5 5822 346680 15481
## - econ_save_rate 9 67216 408075 15971
##
## Step: AIC=15436.72
## cfpb_score ~ sample_pop + poverty_stat + hh_earners + econ_save_rate +
## house_ownership + house_value + house_mortgage + age_8cat +
## age_generation + race + gender + econ_hh_income + hh_size +
## marital_status + metro
##
## Df Sum of Sq RSS AIC
## - marital_status 4 553 341561 15410
## - age_generation 3 85 341094 15413
## - house_value 6 2698 343706 15414
## - hh_earners 3 170 341178 15414
## - hh_size 4 1270 342278 15416
## - house_ownership 2 174 341182 15422
## - race 3 1174 342182 15424
## - poverty_stat 2 319 341328 15424
## - sample_pop 2 595 341603 15426
## - metro 1 23 341031 15429
## - age_8cat 7 5336 346344 15430
## - gender 1 182 341191 15430
## <none> 341008 15437
## - house_mortgage 5 5842 346850 15451
## - econ_hh_income 8 8667 349675 15452
## - econ_save_rate 9 68263 409271 15948
##
## Step: AIC=15409.62
## cfpb_score ~ sample_pop + poverty_stat + hh_earners + econ_save_rate +
## house_ownership + house_value + house_mortgage + age_8cat +
## age_generation + race + gender + econ_hh_income + hh_size +
## metro
##
## Df Sum of Sq RSS AIC
## - age_generation 3 85 341646 15386
## - hh_size 4 990 342551 15387
## - house_value 6 2727 344288 15387
## - hh_earners 3 229 341790 15388
## - house_ownership 2 192 341753 15395
## - race 3 1080 342641 15396
## - poverty_stat 2 300 341861 15396
## - sample_pop 2 591 342152 15399
## - metro 1 32 341593 15402
## - gender 1 172 341733 15403
## - age_8cat 7 5609 347170 15405
## <none> 341561 15410
## - house_mortgage 5 5689 347250 15422
## - econ_hh_income 8 8788 350349 15426
## - econ_save_rate 9 68946 410507 15925
##
## Step: AIC=15386.21
## cfpb_score ~ sample_pop + poverty_stat + hh_earners + econ_save_rate +
## house_ownership + house_value + house_mortgage + age_8cat +
## race + gender + econ_hh_income + hh_size + metro
##
## Df Sum of Sq RSS AIC
## - hh_size 4 1000 342646 15363
## - house_value 6 2738 344384 15363
## - hh_earners 3 224 341870 15364
## - house_ownership 2 192 341839 15372
## - race 3 1081 342727 15372
## - poverty_stat 2 292 341938 15373
## - sample_pop 2 580 342226 15376
## - metro 1 32 341678 15378
## - gender 1 167 341813 15380
## <none> 341646 15386
## - house_mortgage 5 5734 347381 15399
## - econ_hh_income 8 8794 350441 15403
## - age_8cat 7 10642 352288 15428
## - econ_save_rate 9 68917 410564 15901
##
## Step: AIC=15363.28
## cfpb_score ~ sample_pop + poverty_stat + hh_earners + econ_save_rate +
## house_ownership + house_value + house_mortgage + age_8cat +
## race + gender + econ_hh_income + metro
##
## Df Sum of Sq RSS AIC
## - house_value 6 2713 345359 15340
## - hh_earners 3 178 342824 15341
## - poverty_stat 2 87 342733 15348
## - race 3 1008 343654 15348
## - house_ownership 2 180 342826 15349
## - sample_pop 2 561 343207 15352
## - metro 1 27 342673 15356
## - gender 1 182 342828 15357
## <none> 342646 15363
## - econ_hh_income 8 8143 350789 15374
## - house_mortgage 5 5725 348371 15376
## - age_8cat 7 12028 354674 15417
## - econ_save_rate 9 71468 414114 15897
##
## Step: AIC=15340.08
## cfpb_score ~ sample_pop + poverty_stat + hh_earners + econ_save_rate +
## house_ownership + house_mortgage + age_8cat + race + gender +
## econ_hh_income + metro
##
## Df Sum of Sq RSS AIC
## - hh_earners 3 180 345539 15318
## - race 3 936 346295 15324
## - poverty_stat 2 97 345456 15325
## - house_ownership 2 161 345521 15325
## - sample_pop 2 529 345889 15329
## - metro 1 0 345359 15332
## - gender 1 229 345588 15334
## <none> 345359 15340
## - house_mortgage 5 5026 350385 15346
## - econ_hh_income 8 11153 356512 15377
## - age_8cat 7 13655 359014 15408
## - econ_save_rate 9 77756 423115 15917
##
## Step: AIC=15317.54
## cfpb_score ~ sample_pop + poverty_stat + econ_save_rate + house_ownership +
## house_mortgage + age_8cat + race + gender + econ_hh_income +
## metro
##
## Df Sum of Sq RSS AIC
## - poverty_stat 2 87 345626 15302
## - race 3 961 346500 15302
## - house_ownership 2 236 345775 15304
## - sample_pop 2 501 346040 15306
## - metro 1 0 345539 15310
## - gender 1 239 345778 15312
## <none> 345539 15318
## - house_mortgage 5 5056 350595 15324
## - econ_hh_income 8 11398 356937 15357
## - age_8cat 7 13675 359214 15385
## - econ_save_rate 9 77874 423413 15895
##
## Step: AIC=15302.21
## cfpb_score ~ sample_pop + econ_save_rate + house_ownership +
## house_mortgage + age_8cat + race + gender + econ_hh_income +
## metro
##
## Df Sum of Sq RSS AIC
## - race 3 970 346596 15287
## - house_ownership 2 231 345857 15288
## - sample_pop 2 500 346127 15291
## - metro 1 0 345627 15294
## - gender 1 247 345874 15296
## <none> 345626 15302
## - house_mortgage 5 5064 350690 15308
## - age_8cat 7 13699 359326 15370
## - econ_hh_income 8 15527 361154 15378
## - econ_save_rate 9 77897 423524 15880
##
## Step: AIC=15286.96
## cfpb_score ~ sample_pop + econ_save_rate + house_ownership +
## house_mortgage + age_8cat + gender + econ_hh_income + metro
##
## Df Sum of Sq RSS AIC
## - house_ownership 2 241 346837 15273
## - sample_pop 2 308 346904 15274
## - metro 1 5 346602 15279
## - gender 1 213 346809 15281
## <none> 346596 15287
## - house_mortgage 5 4937 351534 15292
## - age_8cat 7 13999 360596 15357
## - econ_hh_income 8 15487 362084 15362
## - econ_save_rate 9 77067 423664 15857
##
## Step: AIC=15273.04
## cfpb_score ~ sample_pop + econ_save_rate + house_mortgage + age_8cat +
## gender + econ_hh_income + metro
##
## Df Sum of Sq RSS AIC
## - sample_pop 2 305 347142 15260
## - metro 1 5 346843 15265
## - gender 1 204 347041 15267
## <none> 346837 15273
## - house_mortgage 6 6044 352881 15280
## - age_8cat 7 13966 360803 15343
## - econ_hh_income 8 15484 362321 15348
## - econ_save_rate 9 77704 424541 15847
##
## Step: AIC=15259.71
## cfpb_score ~ econ_save_rate + house_mortgage + age_8cat + gender +
## econ_hh_income + metro
##
## Df Sum of Sq RSS AIC
## - metro 1 2 347145 15252
## - gender 1 215 347357 15254
## <none> 347142 15260
## - house_mortgage 6 6021 353164 15266
## - econ_hh_income 8 15899 363042 15338
## - age_8cat 7 16435 363578 15351
## - econ_save_rate 9 78054 425197 15836
##
## Step: AIC=15251.66
## cfpb_score ~ econ_save_rate + house_mortgage + age_8cat + gender +
## econ_hh_income
##
## Df Sum of Sq RSS AIC
## - gender 1 215 347360 15246
## <none> 347145 15252
## - house_mortgage 6 6088 353233 15259
## - econ_hh_income 8 16216 363361 15333
## - age_8cat 7 16445 363589 15343
## - econ_save_rate 9 78168 425313 15829
##
## Step: AIC=15245.58
## cfpb_score ~ econ_save_rate + house_mortgage + age_8cat + econ_hh_income
##
## Df Sum of Sq RSS AIC
## <none> 347360 15246
## - house_mortgage 6 6178 353538 15254
## - econ_hh_income 8 16377 363737 15328
## - age_8cat 7 16288 363649 15336
## - econ_save_rate 9 78634 425994 15826explore both
# Step: AIC=15031.65
# cfpb_score ~ sample_pop + econ_save_rate + house_value + house_mortgage +
# age_8cat + race + econ_hh_income + region_9base
cfpb_result_c1 <-lm(cfpb_score ~ sample_pop + econ_save_rate + house_value + house_mortgage +
age_8cat + race + econ_hh_income + region_9base,
data=cfpb_training)
summary(cfpb_result_c1)##
## Call:
## lm(formula = cfpb_score ~ sample_pop + econ_save_rate + house_value +
## house_mortgage + age_8cat + race + econ_hh_income + region_9base,
## data = cfpb_training)
##
## Residuals:
## Min 1Q Median 3Q Max
## -38.442 -6.637 -0.383 6.251 46.116
##
## Coefficients: (1 not defined because of singularities)
## Estimate Std. Error t value
## (Intercept) 50.6914 3.1172 16.262
## sample_popAge 62+ oversample -0.7349 0.6049 -1.215
## sample_popRace/ethnicity and poverty oversample -1.7174 0.8960 -1.917
## econ_save_rate0 -10.7474 3.0089 -3.572
## econ_save_rate$1-99 -9.4909 3.0306 -3.132
## econ_save_rate$100-999 -5.7468 2.9632 -1.939
## econ_save_rate$1,000-4,999 -1.6990 2.9506 -0.576
## econ_save_rate$5,000-19,999 2.6268 2.9488 0.891
## econ_save_rate$20,000-74,999 6.4535 2.9583 2.182
## econ_save_rate$75,000 or more 9.3402 2.9670 3.148
## econ_save_rateI don't know -1.7635 3.1379 -0.562
## econ_save_ratePrefer not to say 3.9601 2.9535 1.341
## house_valueRefused -0.6014 6.0676 -0.099
## house_valueLess than $150,000 0.6824 0.9516 0.717
## house_value$150,000-249,999 2.0255 0.9643 2.100
## house_value$250,000-399,999 3.6190 1.0018 3.612
## house_value$400,000 or more 3.8719 1.1012 3.516
## house_valueI don't know -1.3962 1.6129 -0.866
## house_valuePrefer not to say -0.1895 1.3087 -0.145
## house_mortgageRefused 4.3211 2.0667 2.091
## house_mortgageLess than $50,000 2.0484 0.8350 2.453
## house_mortgage$50,000-199,999 -1.1553 0.8795 -1.314
## house_mortgage$200,000 or more -2.5283 1.0513 -2.405
## house_mortgageI don't know -3.4060 1.5497 -2.198
## house_mortgagePrefer not to say NA NA NA
## age_8cat25-34 -0.3428 0.8953 -0.383
## age_8cat35-44 -1.0387 0.9728 -1.068
## age_8cat45-54 -1.7738 0.9409 -1.885
## age_8cat55-61 -1.4342 0.9970 -1.439
## age_8cat62-69 3.0159 1.0035 3.005
## age_8cat70-74 4.5788 1.1144 4.109
## age_8cat75+ 4.9592 1.0571 4.691
## raceBlack, Non-Hispanic 1.9627 0.6919 2.837
## raceOther, Non-Hispanic -1.0300 0.8734 -1.179
## raceHispanic 0.2893 0.6404 0.452
## econ_hh_income$20,000 to $29,999 -1.2891 0.9342 -1.380
## econ_hh_income$30,000 to $39,999 0.6191 0.8932 0.693
## econ_hh_income$40,000 to $49,999 2.5070 0.9444 2.655
## econ_hh_income$50,000 to $59,999 2.6939 0.9544 2.823
## econ_hh_income$60,000 to $74,999 2.5986 0.9078 2.863
## econ_hh_income$75,000 to $99,999 4.3868 0.8590 5.107
## econ_hh_income$100,000 to $149,999 5.3112 0.8725 6.087
## econ_hh_income$150,000 or more 6.8214 0.9370 7.280
## region_9baseMid-Atlantic -1.1913 0.9684 -1.230
## region_9baseEast-North Central 1.7415 0.9481 1.837
## region_9baseWest-North Central 1.0845 1.0650 1.018
## region_9baseSouth Atlantic 0.5945 0.9252 0.643
## region_9baseEast-South Central 0.8185 1.1781 0.695
## region_9baseWest-South Central 1.8564 1.0287 1.805
## region_9baseMountain 1.6770 1.0626 1.578
## region_9basePacific 0.1850 0.9577 0.193
## Pr(>|t|)
## (Intercept) < 2e-16 ***
## sample_popAge 62+ oversample 0.224521
## sample_popRace/ethnicity and poverty oversample 0.055370 .
## econ_save_rate0 0.000360 ***
## econ_save_rate$1-99 0.001754 **
## econ_save_rate$100-999 0.052542 .
## econ_save_rate$1,000-4,999 0.564779
## econ_save_rate$5,000-19,999 0.373096
## econ_save_rate$20,000-74,999 0.029218 *
## econ_save_rate$75,000 or more 0.001659 **
## econ_save_rateI don't know 0.574152
## econ_save_ratePrefer not to say 0.180078
## house_valueRefused 0.921052
## house_valueLess than $150,000 0.473359
## house_value$150,000-249,999 0.035772 *
## house_value$250,000-399,999 0.000308 ***
## house_value$400,000 or more 0.000444 ***
## house_valueI don't know 0.386759
## house_valuePrefer not to say 0.884896
## house_mortgageRefused 0.036626 *
## house_mortgageLess than $50,000 0.014215 *
## house_mortgage$50,000-199,999 0.189072
## house_mortgage$200,000 or more 0.016228 *
## house_mortgageI don't know 0.028037 *
## house_mortgagePrefer not to say NA
## age_8cat25-34 0.701839
## age_8cat35-44 0.285714
## age_8cat45-54 0.059512 .
## age_8cat55-61 0.150381
## age_8cat62-69 0.002673 **
## age_8cat70-74 4.08e-05 ***
## age_8cat75+ 2.83e-06 ***
## raceBlack, Non-Hispanic 0.004589 **
## raceOther, Non-Hispanic 0.238377
## raceHispanic 0.651479
## econ_hh_income$20,000 to $29,999 0.167701
## econ_hh_income$30,000 to $39,999 0.488277
## econ_hh_income$40,000 to $49,999 0.007978 **
## econ_hh_income$50,000 to $59,999 0.004792 **
## econ_hh_income$60,000 to $74,999 0.004230 **
## econ_hh_income$75,000 to $99,999 3.47e-07 ***
## econ_hh_income$100,000 to $149,999 1.29e-09 ***
## econ_hh_income$150,000 or more 4.20e-13 ***
## region_9baseMid-Atlantic 0.218713
## region_9baseEast-North Central 0.066331 .
## region_9baseWest-North Central 0.308603
## region_9baseSouth Atlantic 0.520549
## region_9baseEast-South Central 0.487221
## region_9baseWest-South Central 0.071238 .
## region_9baseMountain 0.114605
## region_9basePacific 0.846830
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 10.4 on 3149 degrees of freedom
## Multiple R-squared: 0.4336, Adjusted R-squared: 0.4248
## F-statistic: 49.19 on 49 and 3149 DF, p-value: < 2.2e-16explore Bayes information criterion (BIC)
# Step: AIC=18967.84
# cfpb_score ~ econ_save_rate + house_mortgage + age_8cat + econ_hh_income
cfpb_result_c2 <-lm(cfpb_score ~ econ_save_rate + house_mortgage + age_8cat + econ_hh_income, data=cfpb_training)
summary(cfpb_result_c2)##
## Call:
## lm(formula = cfpb_score ~ econ_save_rate + house_mortgage + age_8cat +
## econ_hh_income, data = cfpb_training)
##
## Residuals:
## Min 1Q Median 3Q Max
## -38.534 -6.603 -0.383 6.314 46.339
##
## Coefficients:
## Estimate Std. Error t value Pr(>|t|)
## (Intercept) 50.6817 3.0470 16.633 < 2e-16 ***
## econ_save_rate0 -9.8122 3.0207 -3.248 0.001173 **
## econ_save_rate$1-99 -8.6496 3.0430 -2.842 0.004505 **
## econ_save_rate$100-999 -4.9671 2.9755 -1.669 0.095151 .
## econ_save_rate$1,000-4,999 -0.9887 2.9652 -0.333 0.738825
## econ_save_rate$5,000-19,999 3.4372 2.9633 1.160 0.246177
## econ_save_rate$20,000-74,999 7.4259 2.9726 2.498 0.012537 *
## econ_save_rate$75,000 or more 10.6404 2.9783 3.573 0.000359 ***
## econ_save_rateI don't know -1.1231 3.1483 -0.357 0.721324
## econ_save_ratePrefer not to say 4.6421 2.9648 1.566 0.117500
## house_mortgageRefused 5.3609 2.0147 2.661 0.007832 **
## house_mortgageLess than $50,000 3.7019 0.6014 6.156 8.42e-10 ***
## house_mortgage$50,000-199,999 0.9071 0.5945 1.526 0.127153
## house_mortgage$200,000 or more 0.3728 0.7606 0.490 0.624098
## house_mortgageI don't know -2.2889 1.4235 -1.608 0.107957
## house_mortgagePrefer not to say 1.1445 0.8165 1.402 0.161096
## age_8cat25-34 -0.3392 0.8974 -0.378 0.705485
## age_8cat35-44 -1.1242 0.9739 -1.154 0.248472
## age_8cat45-54 -1.7680 0.9429 -1.875 0.060884 .
## age_8cat55-61 -1.2082 0.9962 -1.213 0.225297
## age_8cat62-69 2.9795 0.9671 3.081 0.002082 **
## age_8cat70-74 4.4578 1.0842 4.112 4.03e-05 ***
## age_8cat75+ 5.1068 1.0159 5.027 5.26e-07 ***
## econ_hh_income$20,000 to $29,999 -1.5396 0.9356 -1.646 0.099956 .
## econ_hh_income$30,000 to $39,999 0.3107 0.8941 0.347 0.728254
## econ_hh_income$40,000 to $49,999 2.2670 0.9445 2.400 0.016447 *
## econ_hh_income$50,000 to $59,999 2.5946 0.9529 2.723 0.006511 **
## econ_hh_income$60,000 to $74,999 2.5307 0.9028 2.803 0.005093 **
## econ_hh_income$75,000 to $99,999 4.4980 0.8536 5.269 1.46e-07 ***
## econ_hh_income$100,000 to $149,999 5.6143 0.8575 6.548 6.79e-11 ***
## econ_hh_income$150,000 or more 7.2940 0.9060 8.051 1.15e-15 ***
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 10.47 on 3168 degrees of freedom
## Multiple R-squared: 0.4222, Adjusted R-squared: 0.4167
## F-statistic: 77.16 on 30 and 3168 DF, p-value: < 2.2e-16Federal Reserve
Download and Tidy dataset from Fed
# get fed file
fed_df <- getFedFile()
fed_df$cfpb_score_4cat <- cut(fed_df$cfpb_score, breaks = c(-10, 40, 60, 80, 100),
labels = c("< 40","40-60","60-80","80-100"),
right = FALSE,
include.lowest=TRUE)
# reduce cfpb dataset
fed_df <- slice_sample(fed_df, weight_by=cfpb_score_4cat ,n=4000)
# remove categorical variable for data set
fed_df <- fed_df %>% select(-c(cfpb_score_4cat))
# split data
fed_split <- initial_split(fed_df, prop = 0.8, strata = cfpb_score)
fed_training <- training(fed_split)
fed_test <- testing(fed_split)full model
fed_result1<-lm(cfpb_score ~ . ,data=fed_training)
summary(fed_result1)##
## Call:
## lm(formula = cfpb_score ~ ., data = fed_training)
##
## Residuals:
## Min 1Q Median 3Q Max
## -27.882 -6.519 -0.462 6.234 37.131
##
## Coefficients: (24 not defined because of singularities)
## Estimate Std. Error t value
## (Intercept) 9.296e+00 1.885e+01 0.493
## genderMale 4.538e-01 4.098e-01 1.107
## age 1.827e-01 7.441e-02 2.455
## age_7cat25-34 -9.843e-01 1.122e+00 -0.877
## age_7cat35-44 -3.379e+00 1.691e+00 -1.999
## age_7cat45-54 -5.982e+00 2.830e+00 -2.114
## age_7cat55-64 -7.373e+00 3.197e+00 -2.306
## age_7cat65-74 -5.584e+00 3.654e+00 -1.528
## age_7cat75+ -6.671e+00 4.405e+00 -1.514
## age_4cat30-44 -1.158e+00 9.914e-01 -1.168
## age_4cat45-59 -6.029e-01 9.018e-01 -0.668
## age_4cat60+ NA NA NA
## stateAL -9.779e-01 5.414e+00 -0.181
## stateAR 9.715e-01 5.613e+00 0.173
## stateAZ 1.722e+00 5.290e+00 0.326
## stateCA 1.692e+00 5.190e+00 0.326
## stateCO 8.615e-04 5.395e+00 0.000
## stateCT 1.462e+00 5.358e+00 0.273
## stateDC -9.874e-03 6.219e+00 -0.002
## stateDE -8.365e+00 6.312e+00 -1.325
## stateFL 2.860e+00 5.216e+00 0.548
## stateGA 2.916e+00 5.268e+00 0.554
## stateHI -6.738e-01 5.998e+00 -0.112
## stateIA 3.431e+00 5.359e+00 0.640
## stateID 3.646e+00 5.798e+00 0.629
## stateIL 2.041e+00 5.221e+00 0.391
## stateIN 4.759e+00 5.350e+00 0.890
## stateKS 3.692e-01 5.532e+00 0.067
## stateKY 3.759e+00 5.377e+00 0.699
## stateLA 2.340e+00 5.488e+00 0.426
## stateMA 3.592e-01 5.276e+00 0.068
## stateMD -5.397e-01 5.277e+00 -0.102
## stateME 5.395e+00 5.758e+00 0.937
## stateMI 1.159e+00 5.253e+00 0.221
## stateMN -1.464e-01 5.308e+00 -0.028
## stateMO -3.447e-01 5.315e+00 -0.065
## stateMS 2.244e+00 5.706e+00 0.393
## stateMT -4.280e+00 6.974e+00 -0.614
## stateNC 3.082e+00 5.253e+00 0.587
## stateND 9.848e-01 6.204e+00 0.159
## stateNE -1.788e+00 5.602e+00 -0.319
## stateNH -8.033e-01 5.762e+00 -0.139
## stateNJ -5.794e-01 5.283e+00 -0.110
## stateNM 3.690e+00 5.589e+00 0.660
## stateNV 1.273e+00 5.465e+00 0.233
## stateNY 1.041e+00 5.220e+00 0.199
## stateOH 2.522e+00 5.227e+00 0.482
## stateOK 2.955e+00 5.698e+00 0.519
## stateOR -6.935e-01 5.344e+00 -0.130
## statePA 7.266e-01 5.214e+00 0.139
## stateRI -1.220e+00 5.891e+00 -0.207
## stateSC 1.916e-01 5.487e+00 0.035
## stateSD 6.942e+00 6.342e+00 1.095
## stateTN 2.442e+00 5.340e+00 0.457
## stateTX 2.914e+00 5.199e+00 0.560
## stateUT 1.500e+00 5.458e+00 0.275
## stateVA 1.232e+00 5.260e+00 0.234
## stateVT -9.472e-01 6.027e+00 -0.157
## stateWA 2.127e+00 5.264e+00 0.404
## stateWI 2.449e+00 5.338e+00 0.459
## stateWV 1.591e+00 5.656e+00 0.281
## stateWY 1.204e-01 7.819e+00 0.015
## region_9baseEast-South Central NA NA NA
## region_9baseMid-Atlantic NA NA NA
## region_9baseMountain NA NA NA
## region_9baseNew England NA NA NA
## region_9basePacific NA NA NA
## region_9baseSouth Atlantic NA NA NA
## region_9baseWest-North Central NA NA NA
## region_9baseWest-South Central NA NA NA
## region_4baseNortheast NA NA NA
## region_4baseSouth NA NA NA
## region_4baseWest NA NA NA
## metroNon-Metro 7.697e-01 6.147e-01 1.252
## marital_statusLiving with partner -6.439e-01 1.027e+00 -0.627
## marital_statusMarried -1.529e+00 7.015e-01 -2.180
## marital_statusNever married -6.243e-02 8.578e-01 -0.073
## marital_statusSeparated -6.762e-01 1.601e+00 -0.422
## marital_statusWidowed -6.607e-01 1.076e+00 -0.614
## household_size -9.152e-01 5.669e-01 -1.614
## household_headYes 6.404e-01 6.258e-01 1.023
## hh_child_0.1 2.212e+00 1.077e+00 2.054
## hh_child_13.17 1.174e+00 7.193e-01 1.632
## hh_child_6.12 1.155e-01 7.658e-01 0.151
## hh_child_18p 6.159e-01 6.123e-01 1.006
## house_ownershipOwned or being bought by yo... -1.605e+00 1.700e+00 -0.944
## house_ownershipRented for cash -1.699e+00 1.759e+00 -0.966
## house_typeA mobile home 9.335e-01 1.335e+00 0.699
## house_typeA one-family house attached... 6.222e-01 8.839e-01 0.704
## house_typeA one-family house detached... 2.838e-01 7.574e-01 0.375
## house_typeBoat, RV, van, etc. 4.785e+00 3.443e+00 1.390
## emp_industry-2 1.823e+01 9.064e+00 2.012
## emp_industryAccommodation and Food Serv... 4.816e+00 3.019e+00 1.595
## emp_industryAdministrative and Support ... 3.245e+00 2.847e+00 1.140
## emp_industryArmed Forces 2.525e+00 3.347e+00 0.754
## emp_industryArts, Entertainment, and Re... 5.867e+00 2.939e+00 1.996
## emp_industryChild Day Care Services 5.921e+00 3.465e+00 1.709
## emp_industryCommunity/Non-Profit Organi... 1.982e+00 2.944e+00 0.673
## emp_industryConstruction and Specialty ... 4.491e+00 2.797e+00 1.606
## emp_industryDelivery Services, Warehous... 6.085e+00 2.731e+00 2.228
## emp_industryEducation and Tutoring 3.209e+00 2.700e+00 1.189
## emp_industryFactory, Manufacturing, and... 6.355e+00 2.671e+00 2.379
## emp_industryFarming/Agriculture, Forest... 1.295e+00 3.155e+00 0.410
## emp_industryFinance, Banking, and Insur... 5.053e+00 2.685e+00 1.882
## emp_industryHealth Care (including Elde... 5.509e+00 2.694e+00 2.045
## emp_industryInformation (including Publ... 3.919e+00 2.795e+00 1.402
## emp_industryManagement of Companies and... 7.202e+00 3.836e+00 1.877
## emp_industryMining, Quarrying, and Oil ... 7.331e+00 3.847e+00 1.905
## emp_industryPersonal Services (includin... 5.791e+00 3.124e+00 1.854
## emp_industryProfessional, Scientific, T... 4.158e+00 2.605e+00 1.596
## emp_industryPublic Administration 3.982e+00 2.839e+00 1.402
## emp_industryReal Estate and Property Ma... 3.394e+00 3.071e+00 1.105
## emp_industryRepairs and Maintenance 4.692e+00 2.960e+00 1.585
## emp_industryRetail/Stores/Shopping (inc... 4.761e+00 2.691e+00 1.769
## emp_industryUtilities, Waste Management... 8.302e+00 3.004e+00 2.764
## emp_industryWholesale Trade 3.560e+00 3.201e+00 1.112
## emp_occupationArmed Services 4.604e+00 4.210e+00 1.093
## emp_occupationArts, Design, Entertainment... -1.955e+00 2.179e+00 -0.897
## emp_occupationBuilding and Grounds Cleani... 1.873e+00 2.474e+00 0.757
## emp_occupationBusiness Operations (includ... -7.147e-01 1.742e+00 -0.410
## emp_occupationCommunity and Social Services 4.424e+00 2.495e+00 1.773
## emp_occupationComputer and Mathematical 6.088e-01 1.634e+00 0.373
## emp_occupationConstruction and Extraction -2.460e-01 2.889e+00 -0.085
## emp_occupationEducation, Training, and Li... 7.990e-01 1.874e+00 0.426
## emp_occupationFarming, Forestry, and Fishing -1.300e+00 4.096e+00 -0.317
## emp_occupationFinancial Operations or Fin... -2.265e-01 1.925e+00 -0.118
## emp_occupationFood Preparation and Serving -1.423e+00 2.402e+00 -0.593
## emp_occupationHealth Care Support (such a... -2.122e+00 2.711e+00 -0.783
## emp_occupationHealth Diagnosing or Treati... -5.582e-02 2.049e+00 -0.027
## emp_occupationHealth Technologist or Tech... -1.795e+00 2.441e+00 -0.735
## emp_occupationInstallation, Maintenance, ... -9.721e-01 1.928e+00 -0.504
## emp_occupationLawyer, judge -3.202e+00 2.100e+00 -1.524
## emp_occupationLife, Physical, and Social ... -1.302e+00 2.358e+00 -0.552
## emp_occupationManagement 1.996e-01 1.538e+00 0.130
## emp_occupationNot asked NA NA NA
## emp_occupationOffice and Administrative S... -5.458e-01 1.661e+00 -0.329
## emp_occupationOther (Please specify) 1.696e+00 1.540e+00 1.101
## emp_occupationPersonal Care and Service -1.969e+00 2.519e+00 -0.782
## emp_occupationPrecision Production (such ... -8.529e-01 2.596e+00 -0.329
## emp_occupationProtective Service 2.729e-01 2.341e+00 0.117
## emp_occupationRefused 1.712e+00 5.120e+00 0.334
## emp_occupationSales -8.339e-01 1.791e+00 -0.466
## emp_occupationTransportation and Material... -1.853e+00 2.001e+00 -0.926
## emp_statusNot working looking for work -2.033e-01 1.614e+00 -0.126
## emp_statusNot working on temporary la... -4.418e+00 2.528e+00 -1.748
## emp_statusNot working other 5.747e-01 1.492e+00 0.385
## emp_statusNot working retired 2.167e+00 1.358e+00 1.595
## emp_statusWorking as a paid employee 1.569e+01 8.415e+00 1.865
## emp_statusWorking self-employed 1.722e+01 8.614e+00 1.999
## emp_unionNo 2.120e+01 1.060e+01 2.001
## emp_unionNot asked 1.833e+01 1.074e+01 1.706
## emp_unionRefused 2.217e+01 1.181e+01 1.878
## emp_unionYes 2.000e+01 1.062e+01 1.883
## healthExcellent 3.371e+00 9.949e-01 3.389
## healthFair -1.107e+00 1.000e+00 -1.107
## healthGood 5.748e-01 8.751e-01 0.657
## healthPoor -2.630e+00 1.656e+00 -1.588
## healthRefused -2.165e+00 4.813e+00 -0.450
## healthVery good 1.805e+00 8.572e-01 2.105
## emp_typeNon-profit organization inc... -1.576e+00 9.808e-01 -1.607
## emp_typeNot asked NA NA NA
## emp_typePrivate-for-profit company -2.110e+00 8.238e-01 -2.561
## emp_typeRefused -6.644e-01 7.479e+00 -0.089
## emp_typeSelf-employed NA NA NA
## emp_typeWorking in the family business -4.462e+00 2.303e+00 -1.937
## emp_num_jobsNot asked NA NA NA
## emp_num_jobsOne -3.587e+00 1.757e+00 -2.042
## emp_num_jobsRefused 1.099e+00 4.604e+00 0.239
## emp_num_jobsThree -3.245e+00 2.326e+00 -1.395
## emp_num_jobsTwo -3.960e+00 1.859e+00 -2.130
## raceBlack, Non-Hispanic -7.179e+00 1.189e+01 -0.604
## raceHispanic -2.555e+00 1.148e+01 -0.223
## raceOther, Non-Hispanic 8.690e+00 4.723e+00 1.840
## raceWhite, Non-Hispanic -4.132e+00 1.136e+01 -0.364
## race_hispYes, Cuban, Cuban American 1.460e+00 3.325e+00 0.439
## race_hispYes, Mexican, Mexican-Ameri... -6.943e-01 2.190e+00 -0.317
## race_hispYes, Other -1.216e+00 2.248e+00 -0.541
## race_hispYes, Puerto Rican NA NA NA
## edu_catHigh school 1.913e+00 1.515e+00 1.263
## edu_catLess than high school 3.004e+00 2.118e+00 1.418
## edu_catSome college 5.980e-01 1.354e+00 0.442
## eduBachelor\u0092s degree 5.076e-01 1.491e+00 0.340
## eduCertificate or technical de... 6.793e-03 1.090e+00 0.006
## eduDoctoral Degree 5.037e-01 1.966e+00 0.256
## eduHigh school degree or GED -1.512e+00 1.288e+00 -1.174
## eduLess than high school degree 7.597e-01 2.117e+00 0.359
## eduMaster\u0092s degree -2.982e-01 1.578e+00 -0.189
## eduProfessional degree (e.g. M... 6.940e-01 1.724e+00 0.403
## eduSome college but no degree ... 1.934e-01 8.087e-01 0.239
## edu_level[2, 4) years -1.812e+00 8.517e-01 -2.127
## edu_level<2 years -1.816e+00 1.667e+00 -1.089
## edu_level>=4 years -9.693e-01 7.258e-01 -1.336
## race_5catBlack NA NA NA
## race_5catHispanic NA NA NA
## race_5catOther -3.201e+00 1.094e+01 -0.293
## race_5catWhite NA NA NA
## race_censusAmerican Indian or Alaska N... -8.042e+00 3.846e+00 -2.091
## race_censusAsian -1.303e+01 1.061e+01 -1.228
## race_censusBlack or African American 6.914e+00 4.638e+00 1.491
## race_censusNative Hawaiian/Pacific Isl... -4.047e+00 5.892e+00 -0.687
## race_censusWhite 5.943e-02 2.810e+00 0.021
## edu_4catHigh school degree or GED NA NA NA
## edu_4catLess than a high school degree NA NA NA
## edu_4catSome college/technical or a... NA NA NA
## edu_motherBachelor\u0092s degree 4.409e-01 9.472e-01 0.465
## edu_motherCertificate or technical de... 4.758e-01 1.192e+00 0.399
## edu_motherDon\u0092t know -9.341e-02 1.349e+00 -0.069
## edu_motherGraduate degree 6.760e-01 1.060e+00 0.638
## edu_motherHigh school degree or GED 1.181e-01 8.887e-01 0.133
## edu_motherLess than High School degree 1.329e+00 1.012e+00 1.313
## edu_motherRefused 3.234e+00 5.214e+00 0.620
## edu_motherSome college but no degree 1.449e-01 1.001e+00 0.145
## edu_fatherBachelor\u0092s degree 1.631e+00 1.125e+00 1.450
## edu_fatherCertificate or technical de... 2.023e+00 1.284e+00 1.575
## edu_fatherDon\u0092t know 2.053e+00 1.304e+00 1.574
## edu_fatherGraduate degree 2.571e+00 1.157e+00 2.223
## edu_fatherHigh school degree or GED 2.090e+00 1.074e+00 1.946
## edu_fatherLess than High School degree 1.831e+00 1.150e+00 1.592
## edu_fatherRefused -1.555e+00 5.217e+00 -0.298
## edu_fatherSome college but no degree 1.557e+00 1.170e+00 1.331
## credit_guessDon\u0092t know -1.503e+00 1.223e+00 -1.230
## credit_guessExcellent -1.445e+00 7.997e-01 -1.807
## credit_guessFair -3.193e+00 1.018e+00 -3.137
## credit_guessGood -3.957e+00 8.302e-01 -4.767
## credit_guessPoor -2.631e+00 1.326e+00 -1.984
## credit_guessRefused -6.808e+00 2.673e+00 -2.547
## credit_guessVery poor -2.267e+00 1.488e+00 -1.523
## econ_saving$1,000,000 or more 7.873e+00 8.794e-01 8.953
## econ_saving$100,000 - $249,999 1.747e+00 7.014e-01 2.490
## econ_saving$250,000 - $499,999 2.217e+00 8.099e-01 2.737
## econ_saving$50,000 - $99,999 1.773e+00 7.009e-01 2.529
## econ_saving$500,000 - $999,999 4.009e+00 8.239e-01 4.866
## econ_savingNot sure 3.290e+00 1.222e+00 2.692
## econ_savingRefused 3.078e+00 1.386e+00 2.221
## econ_savingUnder $50,000 NA NA NA
## econ_inc_4cat$25,000-$49,999 -3.636e+00 8.176e-01 -4.447
## econ_inc_4cat$50,000-$99,999 -2.420e+00 6.400e-01 -3.780
## econ_inc_4catLess than $25,000 -3.935e+00 8.376e-01 -4.697
## econ_inc_4catRefused -6.722e-01 2.173e+00 -0.309
## econ_hh_income$100,000 to $124,999 6.386e-01 1.927e+00 0.331
## econ_hh_income$12,500 to $14,999 -1.561e+00 2.381e+00 -0.655
## econ_hh_income$125,000 to $149,999 1.202e+00 2.000e+00 0.601
## econ_hh_income$15,000 to $19,999 -3.954e+00 2.190e+00 -1.806
## econ_hh_income$150,000 to $174,999 1.090e+00 2.005e+00 0.544
## econ_hh_income$175,000 to $199,999 1.207e+00 2.043e+00 0.591
## econ_hh_income$20,000 to $24,999 7.068e-01 2.086e+00 0.339
## econ_hh_income$200,000 to $249,999 3.148e+00 2.081e+00 1.513
## econ_hh_income$25,000 to $29,999 -5.032e-01 2.104e+00 -0.239
## econ_hh_income$250,000 or more 3.550e+00 2.069e+00 1.716
## econ_hh_income$30,000 to $34,999 -6.682e-01 2.105e+00 -0.318
## econ_hh_income$35,000 to $39,999 -6.836e-01 2.035e+00 -0.336
## econ_hh_income$40,000 to $49,999 -3.931e-01 1.935e+00 -0.203
## econ_hh_income$5,000 to $7,499 -1.519e+00 2.997e+00 -0.507
## econ_hh_income$50,000 to $59,999 -1.006e-01 1.927e+00 -0.052
## econ_hh_income$60,000 to $74,999 1.295e+00 1.904e+00 0.680
## econ_hh_income$7,500 to $9,999 -2.403e+00 2.609e+00 -0.921
## econ_hh_income$75,000 to $84,999 1.172e+00 1.946e+00 0.602
## econ_hh_income$85,000 to $99,999 1.602e+00 1.949e+00 0.822
## econ_hh_incomeLess than $5,000 1.617e+00 2.451e+00 0.660
## econ_fin_okRefused 1.753e+01 6.242e+00 2.808
## econ_fin_okYes 1.023e+01 6.308e-01 16.222
## econ_pay_exp400Refused 3.212e+00 2.681e+00 1.198
## econ_pay_exp400Yes 5.569e+00 5.434e-01 10.248
## econ_skip_medRefused -1.689e+00 2.588e+00 -0.653
## econ_skip_medYes -5.754e+00 5.802e-01 -9.917
## Pr(>|t|)
## (Intercept) 0.621892
## genderMale 0.268246
## age 0.014147 *
## age_7cat25-34 0.380306
## age_7cat35-44 0.045753 *
## age_7cat45-54 0.034603 *
## age_7cat55-64 0.021163 *
## age_7cat65-74 0.126517
## age_7cat75+ 0.130056
## age_4cat30-44 0.242822
## age_4cat45-59 0.503873
## age_4cat60+ NA
## stateAL 0.856665
## stateAR 0.862600
## stateAZ 0.744750
## stateCA 0.744377
## stateCO 0.999873
## stateCT 0.784960
## stateDC 0.998733
## stateDE 0.185197
## stateFL 0.583493
## stateGA 0.579924
## stateHI 0.910569
## stateIA 0.522021
## stateID 0.529537
## stateIL 0.695833
## stateIN 0.373703
## stateKS 0.946796
## stateKY 0.484615
## stateLA 0.669797
## stateMA 0.945730
## stateMD 0.918545
## stateME 0.348791
## stateMI 0.825314
## stateMN 0.977999
## stateMO 0.948293
## stateMS 0.694195
## stateMT 0.539462
## stateNC 0.557459
## stateND 0.873897
## stateNE 0.749565
## stateNH 0.889125
## stateNJ 0.912673
## stateNM 0.509183
## stateNV 0.815819
## stateNY 0.841924
## stateOH 0.629530
## stateOK 0.604093
## stateOR 0.896747
## statePA 0.889165
## stateRI 0.835889
## stateSC 0.972144
## stateSD 0.273741
## stateTN 0.647523
## stateTX 0.575210
## stateUT 0.783409
## stateVA 0.814778
## stateVT 0.875125
## stateWA 0.686153
## stateWI 0.646483
## stateWV 0.778479
## stateWY 0.987711
## region_9baseEast-South Central NA
## region_9baseMid-Atlantic NA
## region_9baseMountain NA
## region_9baseNew England NA
## region_9basePacific NA
## region_9baseSouth Atlantic NA
## region_9baseWest-North Central NA
## region_9baseWest-South Central NA
## region_4baseNortheast NA
## region_4baseSouth NA
## region_4baseWest NA
## metroNon-Metro 0.210612
## marital_statusLiving with partner 0.530709
## marital_statusMarried 0.029326 *
## marital_statusNever married 0.941983
## marital_statusSeparated 0.672719
## marital_statusWidowed 0.539326
## household_size 0.106532
## household_headYes 0.306174
## hh_child_0.1 0.040076 *
## hh_child_13.17 0.102861
## hh_child_6.12 0.880081
## hh_child_18p 0.314578
## house_ownershipOwned or being bought by yo... 0.345188
## house_ownershipRented for cash 0.334068
## house_typeA mobile home 0.484453
## house_typeA one-family house attached... 0.481528
## house_typeA one-family house detached... 0.707874
## house_typeBoat, RV, van, etc. 0.164692
## emp_industry-2 0.044353 *
## emp_industryAccommodation and Food Serv... 0.110841
## emp_industryAdministrative and Support ... 0.254484
## emp_industryArmed Forces 0.450672
## emp_industryArts, Entertainment, and Re... 0.046031 *
## emp_industryChild Day Care Services 0.087562 .
## emp_industryCommunity/Non-Profit Organi... 0.500838
## emp_industryConstruction and Specialty ... 0.108474
## emp_industryDelivery Services, Warehous... 0.025954 *
## emp_industryEducation and Tutoring 0.234707
## emp_industryFactory, Manufacturing, and... 0.017406 *
## emp_industryFarming/Agriculture, Forest... 0.681625
## emp_industryFinance, Banking, and Insur... 0.059971 .
## emp_industryHealth Care (including Elde... 0.040939 *
## emp_industryInformation (including Publ... 0.160945
## emp_industryManagement of Companies and... 0.060583 .
## emp_industryMining, Quarrying, and Oil ... 0.056836 .
## emp_industryPersonal Services (includin... 0.063870 .
## emp_industryProfessional, Scientific, T... 0.110662
## emp_industryPublic Administration 0.160921
## emp_industryReal Estate and Property Ma... 0.269125
## emp_industryRepairs and Maintenance 0.112994
## emp_industryRetail/Stores/Shopping (inc... 0.076951 .
## emp_industryUtilities, Waste Management... 0.005752 **
## emp_industryWholesale Trade 0.266184
## emp_occupationArmed Services 0.274286
## emp_occupationArts, Design, Entertainment... 0.369572
## emp_occupationBuilding and Grounds Cleani... 0.449143
## emp_occupationBusiness Operations (includ... 0.681564
## emp_occupationCommunity and Social Services 0.076377 .
## emp_occupationComputer and Mathematical 0.709537
## emp_occupationConstruction and Extraction 0.932157
## emp_occupationEducation, Training, and Li... 0.669844
## emp_occupationFarming, Forestry, and Fishing 0.751074
## emp_occupationFinancial Operations or Fin... 0.906351
## emp_occupationFood Preparation and Serving 0.553461
## emp_occupationHealth Care Support (such a... 0.433844
## emp_occupationHealth Diagnosing or Treati... 0.978267
## emp_occupationHealth Technologist or Tech... 0.462132
## emp_occupationInstallation, Maintenance, ... 0.614186
## emp_occupationLawyer, judge 0.127531
## emp_occupationLife, Physical, and Social ... 0.580827
## emp_occupationManagement 0.896755
## emp_occupationNot asked NA
## emp_occupationOffice and Administrative S... 0.742441
## emp_occupationOther (Please specify) 0.270991
## emp_occupationPersonal Care and Service 0.434568
## emp_occupationPrecision Production (such ... 0.742493
## emp_occupationProtective Service 0.907188
## emp_occupationRefused 0.738086
## emp_occupationSales 0.641480
## emp_occupationTransportation and Material... 0.354533
## emp_statusNot working looking for work 0.899764
## emp_statusNot working on temporary la... 0.080596 .
## emp_statusNot working other 0.700181
## emp_statusNot working retired 0.110731
## emp_statusWorking as a paid employee 0.062280 .
## emp_statusWorking self-employed 0.045678 *
## emp_unionNo 0.045502 *
## emp_unionNot asked 0.088092 .
## emp_unionRefused 0.060459 .
## emp_unionYes 0.059832 .
## healthExcellent 0.000711 ***
## healthFair 0.268528
## healthGood 0.511381
## healthPoor 0.112339
## healthRefused 0.652929
## healthVery good 0.035355 *
## emp_typeNon-profit organization inc... 0.108157
## emp_typeNot asked NA
## emp_typePrivate-for-profit company 0.010489 *
## emp_typeRefused 0.929227
## emp_typeSelf-employed NA
## emp_typeWorking in the family business 0.052852 .
## emp_num_jobsNot asked NA
## emp_num_jobsOne 0.041286 *
## emp_num_jobsRefused 0.811369
## emp_num_jobsThree 0.163166
## emp_num_jobsTwo 0.033262 *
## raceBlack, Non-Hispanic 0.545894
## raceHispanic 0.823927
## raceOther, Non-Hispanic 0.065897 .
## raceWhite, Non-Hispanic 0.716156
## race_hispYes, Cuban, Cuban American 0.660654
## race_hispYes, Mexican, Mexican-Ameri... 0.751249
## race_hispYes, Other 0.588645
## race_hispYes, Puerto Rican NA
## edu_catHigh school 0.206631
## edu_catLess than high school 0.156223
## edu_catSome college 0.658859
## eduBachelor\u0092s degree 0.733570
## eduCertificate or technical de... 0.995027
## eduDoctoral Degree 0.797864
## eduHigh school degree or GED 0.240394
## eduLess than high school degree 0.719689
## eduMaster\u0092s degree 0.850140
## eduProfessional degree (e.g. M... 0.687275
## eduSome college but no degree ... 0.811033
## edu_level[2, 4) years 0.033475 *
## edu_level<2 years 0.276098
## edu_level>=4 years 0.181815
## race_5catBlack NA
## race_5catHispanic NA
## race_5catOther 0.769790
## race_5catWhite NA
## race_censusAmerican Indian or Alaska N... 0.036596 *
## race_censusAsian 0.219545
## race_censusBlack or African American 0.136144
## race_censusNative Hawaiian/Pacific Isl... 0.492273
## race_censusWhite 0.983130
## edu_4catHigh school degree or GED NA
## edu_4catLess than a high school degree NA
## edu_4catSome college/technical or a... NA
## edu_motherBachelor\u0092s degree 0.641616
## edu_motherCertificate or technical de... 0.689709
## edu_motherDon\u0092t know 0.944792
## edu_motherGraduate degree 0.523667
## edu_motherHigh school degree or GED 0.894276
## edu_motherLess than High School degree 0.189351
## edu_motherRefused 0.535209
## edu_motherSome college but no degree 0.884858
## edu_fatherBachelor\u0092s degree 0.147152
## edu_fatherCertificate or technical de... 0.115406
## edu_fatherDon\u0092t know 0.115536
## edu_fatherGraduate degree 0.026281 *
## edu_fatherHigh school degree or GED 0.051732 .
## edu_fatherLess than High School degree 0.111529
## edu_fatherRefused 0.765747
## edu_fatherSome college but no degree 0.183408
## credit_guessDon\u0092t know 0.218933
## credit_guessExcellent 0.070789 .
## credit_guessFair 0.001725 **
## credit_guessGood 1.96e-06 ***
## credit_guessPoor 0.047339 *
## credit_guessRefused 0.010928 *
## credit_guessVery poor 0.127801
## econ_saving$1,000,000 or more < 2e-16 ***
## econ_saving$100,000 - $249,999 0.012815 *
## econ_saving$250,000 - $499,999 0.006236 **
## econ_saving$50,000 - $99,999 0.011477 *
## econ_saving$500,000 - $999,999 1.20e-06 ***
## econ_savingNot sure 0.007140 **
## econ_savingRefused 0.026455 *
## econ_savingUnder $50,000 NA
## econ_inc_4cat$25,000-$49,999 9.04e-06 ***
## econ_inc_4cat$50,000-$99,999 0.000160 ***
## econ_inc_4catLess than $25,000 2.76e-06 ***
## econ_inc_4catRefused 0.757130
## econ_hh_income$100,000 to $124,999 0.740325
## econ_hh_income$12,500 to $14,999 0.512341
## econ_hh_income$125,000 to $149,999 0.547981
## econ_hh_income$15,000 to $19,999 0.071033 .
## econ_hh_income$150,000 to $174,999 0.586676
## econ_hh_income$175,000 to $199,999 0.554558
## econ_hh_income$20,000 to $24,999 0.734697
## econ_hh_income$200,000 to $249,999 0.130474
## econ_hh_income$25,000 to $29,999 0.811028
## econ_hh_income$250,000 or more 0.086284 .
## econ_hh_income$30,000 to $34,999 0.750887
## econ_hh_income$35,000 to $39,999 0.736910
## econ_hh_income$40,000 to $49,999 0.839027
## econ_hh_income$5,000 to $7,499 0.612324
## econ_hh_income$50,000 to $59,999 0.958387
## econ_hh_income$60,000 to $74,999 0.496523
## econ_hh_income$7,500 to $9,999 0.357206
## econ_hh_income$75,000 to $84,999 0.547088
## econ_hh_income$85,000 to $99,999 0.411038
## econ_hh_incomeLess than $5,000 0.509345
## econ_fin_okRefused 0.005018 **
## econ_fin_okYes < 2e-16 ***
## econ_pay_exp400Refused 0.230862
## econ_pay_exp400Yes < 2e-16 ***
## econ_skip_medRefused 0.513991
## econ_skip_medYes < 2e-16 ***
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 10.06 on 2957 degrees of freedom
## Multiple R-squared: 0.5306, Adjusted R-squared: 0.4925
## F-statistic: 13.93 on 240 and 2957 DF, p-value: < 2.2e-16Stepwise regression both
fed_results2<-stats::step(fed_result1, direction = "both")## Start: AIC=14997.35
## cfpb_score ~ gender + age + age_7cat + age_4cat + state + region_9base +
## region_4base + metro + marital_status + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + house_type + emp_industry +
## emp_occupation + emp_status + emp_union + health + emp_type +
## emp_num_jobs + race + race_hisp + edu_cat + edu + edu_level +
## race_5cat + race_census + edu_4cat + edu_mother + edu_father +
## credit_guess + econ_saving + econ_inc_4cat + econ_hh_income +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
##
## Step: AIC=14997.35
## cfpb_score ~ gender + age + age_7cat + age_4cat + state + region_9base +
## region_4base + metro + marital_status + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + house_type + emp_industry +
## emp_occupation + emp_status + emp_union + health + emp_type +
## emp_num_jobs + race + race_hisp + edu_cat + edu + edu_level +
## race_5cat + race_census + edu_mother + edu_father + credit_guess +
## econ_saving + econ_inc_4cat + econ_hh_income + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
##
## Step: AIC=14997.35
## cfpb_score ~ gender + age + age_7cat + age_4cat + state + region_9base +
## metro + marital_status + household_size + household_head +
## hh_child_0.1 + hh_child_13.17 + hh_child_6.12 + hh_child_18p +
## house_ownership + house_type + emp_industry + emp_occupation +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu + edu_level + race_5cat +
## race_census + edu_mother + edu_father + credit_guess + econ_saving +
## econ_inc_4cat + econ_hh_income + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
##
## Step: AIC=14997.35
## cfpb_score ~ gender + age + age_7cat + age_4cat + state + metro +
## marital_status + household_size + household_head + hh_child_0.1 +
## hh_child_13.17 + hh_child_6.12 + hh_child_18p + house_ownership +
## house_type + emp_industry + emp_occupation + emp_status +
## emp_union + health + emp_type + emp_num_jobs + race + race_hisp +
## edu_cat + edu + edu_level + race_5cat + race_census + edu_mother +
## edu_father + credit_guess + econ_saving + econ_inc_4cat +
## econ_hh_income + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - state 50 6341.0 305630 14964
## - emp_occupation 26 2982.9 302271 14977
## - emp_industry 24 2777.4 302066 14979
## - edu_mother 8 500.8 299789 14987
## - edu 8 591.0 299880 14988
## - edu_father 8 667.1 299956 14988
## - house_type 4 259.3 299548 14992
## - econ_hh_income 20 3282.7 302571 14992
## - race_hisp 3 105.3 299394 14992
## - house_ownership 2 96.1 299385 14994
## - edu_cat 3 350.9 299639 14995
## - hh_child_6.12 1 2.3 299291 14995
## - marital_status 5 755.3 300044 14995
## - race_5cat 1 8.7 299297 14995
## - emp_num_jobs 4 580.8 299869 14996
## - age_4cat 2 208.0 299497 14996
## - hh_child_18p 1 102.4 299391 14996
## - edu_level 3 479.5 299768 14996
## - household_head 1 106.0 299394 14996
## - gender 1 124.1 299413 14997
## - metro 1 158.7 299447 14997
## <none> 299288 14997
## - emp_type 4 816.9 300105 14998
## - emp_union 3 634.1 299923 14998
## - household_size 1 263.8 299552 14998
## - hh_child_13.17 1 269.5 299558 14998
## - race 1 342.6 299631 14999
## - hh_child_0.1 1 427.0 299715 15000
## - emp_status 6 1497.5 300786 15001
## - age 1 610.0 299898 15002
## - race_census 5 1411.2 300700 15002
## - age_7cat 5 1587.9 300876 15004
## - credit_guess 6 2414.2 301703 15011
## - econ_inc_4cat 4 2729.7 302018 15018
## - health 6 4008.8 303297 15028
## - econ_saving 7 8742.4 308031 15075
## - econ_skip_med 2 9962.6 309251 15098
## - econ_pay_exp400 2 10629.6 309918 15105
## - econ_fin_ok 2 26804.0 326092 15268
##
## Step: AIC=14964.39
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_industry + emp_occupation + emp_status + emp_union +
## health + emp_type + emp_num_jobs + race + race_hisp + edu_cat +
## edu + edu_level + race_5cat + race_census + edu_mother +
## edu_father + credit_guess + econ_saving + econ_inc_4cat +
## econ_hh_income + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - emp_occupation 26 3000.0 308630 14944
## - emp_industry 24 2895.8 308525 14947
## - edu_mother 8 516.8 306146 14954
## - edu 8 643.1 306273 14955
## - edu_father 8 671.0 306301 14955
## - econ_hh_income 20 3190.3 308820 14958
## - race_hisp 3 186.8 305816 14960
## - house_type 4 389.1 306019 14960
## - house_ownership 2 79.2 305709 14961
## - edu_cat 3 320.5 305950 14962
## - emp_num_jobs 4 519.2 306149 14962
## - marital_status 5 716.6 306346 14962
## - hh_child_6.12 1 8.8 305638 14962
## + region_4base 3 747.0 304882 14963
## - race_5cat 1 21.1 305651 14963
## - age_4cat 2 218.6 305848 14963
## - hh_child_18p 1 132.0 305761 14964
## - gender 1 149.6 305779 14964
## - household_head 1 151.2 305781 14964
## <none> 305630 14964
## - edu_level 3 578.7 306208 14964
## - metro 1 234.0 305864 14965
## - hh_child_13.17 1 277.6 305907 14965
## - emp_type 4 868.0 306497 14966
## - household_size 1 318.3 305948 14966
## - race 1 402.7 306032 14967
## + region_9base 8 1303.9 304326 14967
## - emp_union 3 854.8 306484 14967
## - hh_child_0.1 1 505.1 306135 14968
## - emp_status 6 1500.5 307130 14968
## - age 1 589.9 306219 14969
## - race_census 5 1431.4 307061 14969
## - age_7cat 5 1733.8 307363 14972
## - credit_guess 6 2223.5 307853 14976
## - econ_inc_4cat 4 2648.1 308278 14984
## - health 6 3949.8 309579 14994
## + state 50 6341.0 299288 14997
## - econ_saving 7 9016.5 314646 15043
## - econ_skip_med 2 9632.4 315262 15060
## - econ_pay_exp400 2 11004.3 316634 15074
## - econ_fin_ok 2 28621.3 334251 15247
##
## Step: AIC=14943.63
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_industry + emp_status + emp_union + health + emp_type +
## emp_num_jobs + race + race_hisp + edu_cat + edu + edu_level +
## race_5cat + race_census + edu_mother + edu_father + credit_guess +
## econ_saving + econ_inc_4cat + econ_hh_income + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - emp_industry 24 2789.2 311419 14924
## - edu_mother 8 495.9 309125 14933
## - edu 8 560.0 309190 14933
## - edu_father 8 668.2 309298 14934
## - econ_hh_income 20 3339.3 311969 14938
## - race_hisp 3 198.4 308828 14940
## - house_type 4 404.0 309034 14940
## - edu_cat 3 268.0 308898 14940
## - house_ownership 2 88.9 308718 14941
## - marital_status 5 673.6 309303 14941
## - emp_num_jobs 4 542.9 309172 14941
## + region_4base 3 766.0 307864 14942
## - hh_child_6.12 1 12.8 308642 14942
## - race_5cat 1 24.6 308654 14942
## - age_4cat 2 240.5 308870 14942
## - hh_child_18p 1 147.7 308777 14943
## - household_head 1 187.4 308817 14944
## <none> 308630 14944
## - edu_level 3 587.8 309217 14944
## - gender 1 218.9 308848 14944
## - metro 1 234.6 308864 14944
## - hh_child_13.17 1 268.6 308898 14944
## - household_size 1 333.3 308963 14945
## - race 1 351.9 308981 14945
## - emp_type 4 960.7 309590 14946
## - emp_union 3 832.9 309462 14946
## - hh_child_0.1 1 466.5 309096 14946
## + region_9base 8 1263.4 307366 14946
## - emp_status 6 1460.1 310090 14947
## - age 1 653.2 309283 14948
## - race_census 5 1524.1 310154 14949
## - age_7cat 5 1822.6 310452 14952
## - credit_guess 6 2193.1 310823 14954
## - econ_inc_4cat 4 2651.3 311281 14963
## + emp_occupation 26 3000.0 305630 14964
## - health 6 3987.1 312617 14973
## + state 50 6358.2 302271 14977
## - econ_saving 7 9361.3 317991 15025
## - econ_skip_med 2 9462.6 318092 15036
## - econ_pay_exp400 2 11357.0 319987 15055
## - econ_fin_ok 2 28610.4 337240 15223
##
## Step: AIC=14924.4
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu + edu_level + race_5cat +
## race_census + edu_mother + edu_father + credit_guess + econ_saving +
## econ_inc_4cat + econ_hh_income + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## - edu_mother 8 459.0 311878 14913
## - edu 8 572.1 311991 14914
## - edu_father 8 712.8 312132 14916
## - econ_hh_income 20 3333.2 314752 14918
## - race_hisp 3 198.3 311617 14920
## - marital_status 5 601.5 312020 14921
## - house_type 4 471.5 311890 14921
## - house_ownership 2 89.4 311508 14921
## - edu_cat 3 284.6 311703 14921
## + region_4base 3 827.5 310591 14922
## - hh_child_6.12 1 19.0 311438 14923
## - emp_num_jobs 4 605.1 312024 14923
## - race_5cat 1 26.2 311445 14923
## - age_4cat 2 227.4 311646 14923
## - hh_child_18p 1 155.8 311575 14924
## - household_head 1 177.2 311596 14924
## <none> 311419 14924
## - edu_level 3 587.4 312006 14924
## - metro 1 205.8 311625 14924
## - emp_union 3 646.0 312065 14925
## - emp_type 4 844.7 312263 14925
## - hh_child_13.17 1 274.9 311694 14925
## - gender 1 306.1 311725 14926
## - household_size 1 327.3 311746 14926
## + region_9base 8 1406.7 310012 14926
## - race 1 358.0 311777 14926
## - hh_child_0.1 1 442.2 311861 14927
## - emp_status 6 1549.1 312968 14928
## - age 1 639.0 312058 14929
## - race_census 5 1492.0 312911 14930
## - age_7cat 5 1805.9 313225 14933
## - credit_guess 6 2127.9 313547 14934
## - econ_inc_4cat 4 2592.2 314011 14943
## + emp_industry 24 2789.2 308630 14944
## + emp_occupation 26 2893.5 308525 14947
## - health 6 4346.4 315765 14957
## + state 50 6410.7 305008 14958
## - econ_saving 7 9258.4 320677 15004
## - econ_skip_med 2 9315.5 320734 15015
## - econ_pay_exp400 2 11390.9 322810 15035
## - econ_fin_ok 2 29247.1 340666 15208
##
## Step: AIC=14913.11
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu + edu_level + race_5cat +
## race_census + edu_father + credit_guess + econ_saving + econ_inc_4cat +
## econ_hh_income + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - edu 8 546.5 312424 14903
## - edu_father 8 797.3 312675 14905
## - econ_hh_income 20 3356.8 315235 14907
## - race_hisp 3 204.2 312082 14909
## - marital_status 5 611.8 312490 14909
## - edu_cat 3 269.9 312148 14910
## - house_ownership 2 83.2 311961 14910
## + region_4base 3 888.2 310990 14910
## - house_type 4 479.6 312357 14910
## - emp_num_jobs 4 594.4 312472 14911
## - hh_child_6.12 1 18.7 311897 14911
## - race_5cat 1 27.5 311905 14911
## - age_4cat 2 228.4 312106 14912
## - hh_child_18p 1 160.6 312038 14913
## - edu_level 3 551.5 312429 14913
## - metro 1 183.7 312062 14913
## - household_head 1 187.5 312065 14913
## <none> 311878 14913
## - emp_union 3 612.9 312491 14913
## - emp_type 4 846.2 312724 14914
## - hh_child_13.17 1 274.6 312152 14914
## - gender 1 297.0 312175 14914
## + region_9base 8 1448.2 310430 14914
## - household_size 1 329.3 312207 14914
## - race 1 367.4 312245 14915
## - hh_child_0.1 1 434.6 312312 14916
## - age 1 661.9 312540 14918
## - emp_status 6 1675.1 313553 14918
## - race_census 5 1479.4 313357 14918
## - age_7cat 5 1840.3 313718 14922
## - credit_guess 6 2113.5 313991 14923
## + edu_mother 8 459.0 311419 14924
## - econ_inc_4cat 4 2563.0 314441 14931
## + emp_industry 24 2752.4 309125 14933
## + emp_occupation 26 2861.9 309016 14936
## - health 6 4319.7 316198 14945
## + state 50 6418.7 305459 14947
## - econ_saving 7 9252.6 321130 14993
## - econ_skip_med 2 9219.8 321098 15002
## - econ_pay_exp400 2 11526.9 323405 15025
## - econ_fin_ok 2 29621.9 341500 15199
##
## Step: AIC=14902.71
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu_level + race_5cat + race_census +
## edu_father + credit_guess + econ_saving + econ_inc_4cat +
## econ_hh_income + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - edu_father 8 776.5 313201 14895
## - econ_hh_income 20 3433.6 315858 14898
## - race_hisp 3 190.5 312615 14899
## - marital_status 5 620.4 313045 14899
## - house_type 4 454.3 312879 14899
## - house_ownership 2 88.4 312513 14900
## + region_4base 3 884.3 311540 14900
## - emp_num_jobs 4 581.5 313006 14901
## - hh_child_6.12 1 20.2 312445 14901
## - race_5cat 1 31.5 312456 14901
## - edu_level 3 428.9 312853 14901
## - age_4cat 2 234.5 312659 14901
## - hh_child_18p 1 163.6 312588 14902
## - metro 1 183.8 312608 14903
## <none> 312424 14903
## - household_head 1 197.4 312622 14903
## - emp_type 4 784.6 313209 14903
## - emp_union 3 608.6 313033 14903
## - hh_child_13.17 1 272.1 312696 14904
## + region_9base 8 1462.4 310962 14904
## - gender 1 310.6 312735 14904
## - household_size 1 336.3 312761 14904
## - race 1 345.6 312770 14904
## - hh_child_0.1 1 439.6 312864 14905
## + edu_4cat 3 293.9 312130 14906
## - edu_cat 3 973.2 313398 14907
## - emp_status 6 1605.5 314030 14907
## - age 1 675.0 313099 14908
## - race_census 5 1479.9 313904 14908
## - age_7cat 5 1886.1 314310 14912
## - credit_guess 6 2104.4 314529 14912
## + edu 8 546.5 311878 14913
## + edu_mother 8 433.5 311991 14914
## - econ_inc_4cat 4 2459.2 314884 14920
## + emp_industry 24 2756.2 309668 14922
## + emp_occupation 26 2778.6 309646 14926
## - health 6 4246.3 316671 14934
## + state 50 6449.6 305975 14936
## - econ_saving 7 9261.1 321685 14982
## - econ_skip_med 2 9109.8 321534 14991
## - econ_pay_exp400 2 11584.4 324009 15015
## - econ_fin_ok 2 29572.2 341997 15188
##
## Step: AIC=14894.65
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu_level + race_5cat + race_census +
## credit_guess + econ_saving + econ_inc_4cat + econ_hh_income +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - econ_hh_income 20 3509.2 316710 14890
## - race_hisp 3 187.4 313388 14891
## - marital_status 5 629.3 313830 14891
## - house_type 4 453.8 313655 14891
## + region_4base 3 896.8 312304 14892
## - house_ownership 2 83.9 313285 14892
## - emp_num_jobs 4 582.2 313783 14893
## - hh_child_6.12 1 21.5 313222 14893
## - race_5cat 1 33.8 313235 14893
## - edu_level 3 432.4 313633 14893
## - age_4cat 2 236.8 313438 14893
## - hh_child_18p 1 167.3 313368 14894
## - emp_type 4 759.8 313961 14894
## - metro 1 192.4 313393 14895
## <none> 313201 14895
## - emp_union 3 603.6 313804 14895
## - household_head 1 213.8 313415 14895
## - hh_child_13.17 1 281.4 313482 14896
## - gender 1 293.4 313494 14896
## + region_9base 8 1435.5 311765 14896
## - race 1 332.5 313533 14896
## - household_size 1 337.6 313538 14896
## - hh_child_0.1 1 441.1 313642 14897
## + edu_4cat 3 260.8 312940 14898
## - edu_cat 3 1007.0 314208 14899
## - emp_status 6 1614.3 314815 14899
## - race_census 5 1430.4 314631 14899
## - age 1 661.7 313863 14899
## + edu_father 8 776.5 312424 14903
## - credit_guess 6 2099.9 315301 14904
## - age_7cat 5 1906.0 315107 14904
## + edu 8 525.8 312675 14905
## + edu_mother 8 522.4 312679 14905
## - econ_inc_4cat 4 2522.7 315724 14912
## + emp_industry 24 2823.4 310378 14914
## + emp_occupation 26 2749.7 310451 14918
## - health 6 4250.8 317452 14926
## + state 50 6396.9 306804 14929
## - econ_saving 7 9203.4 322404 14973
## - econ_skip_med 2 9154.2 322355 14983
## - econ_pay_exp400 2 11690.1 324891 15008
## - econ_fin_ok 2 29544.7 342746 15179
##
## Step: AIC=14890.29
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu_level + race_5cat + race_census +
## credit_guess + econ_saving + econ_inc_4cat + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - marital_status 5 555.1 317265 14886
## - race_hisp 3 193.8 316904 14886
## - house_type 4 468.7 317179 14887
## - house_ownership 2 113.3 316823 14887
## - emp_num_jobs 4 532.8 317243 14888
## - age_4cat 2 163.7 316874 14888
## - hh_child_6.12 1 13.1 316723 14888
## + region_4base 3 765.3 315945 14888
## - race_5cat 1 35.2 316745 14889
## - edu_level 3 448.3 317158 14889
## - metro 1 94.8 316805 14889
## - household_head 1 143.8 316854 14890
## - emp_type 4 745.6 317456 14890
## <none> 316710 14890
## - hh_child_18p 1 224.9 316935 14891
## - hh_child_13.17 1 262.1 316972 14891
## - emp_union 3 669.0 317379 14891
## - household_size 1 301.5 317012 14891
## - race 1 320.5 317031 14892
## - gender 1 327.1 317037 14892
## - edu_cat 3 793.8 317504 14892
## - hh_child_0.1 1 402.9 317113 14892
## + region_9base 8 1367.9 315342 14892
## + edu_4cat 3 311.3 316399 14893
## - emp_status 6 1502.1 318212 14893
## - race_census 5 1404.4 318114 14894
## + econ_hh_income 20 3509.2 313201 14895
## - age 1 640.9 317351 14895
## + edu_father 8 852.2 315858 14898
## - age_7cat 5 1961.9 318672 14900
## + edu 8 614.2 316096 14900
## + edu_mother 8 521.7 316188 14901
## - credit_guess 6 2267.0 318977 14901
## + emp_industry 24 2817.2 313893 14910
## + emp_occupation 26 2882.0 313828 14913
## - health 6 4668.5 321379 14925
## + state 50 6245.5 310465 14927
## - econ_inc_4cat 4 5968.5 322679 14942
## - econ_skip_med 2 9338.9 326049 14979
## - econ_saving 7 11733.7 328444 14993
## - econ_pay_exp400 2 12494.0 329204 15010
## - econ_fin_ok 2 29911.8 346622 15175
##
## Step: AIC=14885.89
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + house_type + emp_status +
## emp_union + health + emp_type + emp_num_jobs + race + race_hisp +
## edu_cat + edu_level + race_5cat + race_census + credit_guess +
## econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## - race_hisp 3 185.2 317450 14882
## - house_type 4 478.9 317744 14883
## - house_ownership 2 116.2 317381 14883
## - emp_num_jobs 4 537.0 317802 14883
## - age_4cat 2 182.3 317448 14884
## - hh_child_6.12 1 13.7 317279 14884
## - edu_level 3 435.3 317701 14884
## - race_5cat 1 41.4 317307 14884
## + region_4base 3 748.2 316517 14884
## - household_head 1 65.7 317331 14884
## - metro 1 82.9 317348 14885
## - emp_type 4 745.6 318011 14885
## - hh_child_18p 1 195.6 317461 14886
## <none> 317265 14886
## - emp_union 3 650.3 317916 14886
## - gender 1 283.4 317549 14887
## - hh_child_13.17 1 293.0 317558 14887
## - race 1 300.1 317565 14887
## - household_size 1 343.2 317608 14887
## - hh_child_0.1 1 378.8 317644 14888
## - edu_cat 3 800.9 318066 14888
## + region_9base 8 1356.8 315908 14888
## + edu_4cat 3 328.7 316937 14889
## - emp_status 6 1533.3 318799 14889
## - race_census 5 1413.6 318679 14890
## + marital_status 5 555.1 316710 14890
## - age 1 652.1 317917 14890
## + econ_hh_income 20 3435.0 313830 14891
## + edu_father 8 867.2 316398 14893
## - age_7cat 5 1943.0 319208 14895
## + edu 8 633.6 316632 14896
## + edu_mother 8 544.9 316720 14896
## - credit_guess 6 2250.4 319516 14896
## + emp_industry 24 2753.8 314511 14906
## + emp_occupation 26 2868.5 314397 14909
## - health 6 4750.3 322016 14921
## + state 50 6216.0 311049 14923
## - econ_inc_4cat 4 5542.5 322808 14933
## - econ_skip_med 2 9735.6 327001 14978
## - econ_saving 7 11630.0 328895 14987
## - econ_pay_exp400 2 12508.6 329774 15006
## - econ_fin_ok 2 29995.8 347261 15171
##
## Step: AIC=14881.75
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + house_type + emp_status +
## emp_union + health + emp_type + emp_num_jobs + race + edu_cat +
## edu_level + race_5cat + race_census + credit_guess + econ_saving +
## econ_inc_4cat + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - house_type 4 485.0 317935 14879
## - house_ownership 2 122.9 317573 14879
## - emp_num_jobs 4 540.6 317991 14879
## - age_4cat 2 183.2 317634 14880
## + region_4base 3 782.0 316668 14880
## - hh_child_6.12 1 12.2 317463 14880
## - edu_level 3 412.1 317863 14880
## - race_5cat 1 51.8 317502 14880
## - household_head 1 67.8 317518 14880
## - metro 1 82.2 317533 14881
## - emp_type 4 730.6 318181 14881
## - hh_child_18p 1 190.2 317641 14882
## <none> 317450 14882
## - emp_union 3 648.7 318099 14882
## - hh_child_13.17 1 288.1 317739 14883
## - gender 1 297.0 317747 14883
## - race 1 314.5 317765 14883
## - household_size 1 334.7 317785 14883
## - hh_child_0.1 1 367.6 317818 14884
## + region_9base 8 1388.4 316062 14884
## - edu_cat 3 826.9 318277 14884
## + edu_4cat 3 323.9 317127 14884
## - emp_status 6 1561.1 319012 14885
## + race_hisp 3 185.2 317265 14886
## - race_census 5 1406.2 318857 14886
## + marital_status 5 546.5 316904 14886
## - age 1 647.8 318098 14886
## + econ_hh_income 20 3438.7 314012 14887
## + edu_father 8 855.7 316595 14889
## + edu 8 624.6 316826 14892
## - age_7cat 5 1995.6 319446 14892
## - credit_guess 6 2226.9 319677 14892
## + edu_mother 8 554.1 316896 14892
## + emp_industry 24 2757.3 314693 14902
## + emp_occupation 26 2862.2 314588 14905
## - health 6 4762.8 322213 14917
## + state 50 6297.5 311153 14918
## - econ_inc_4cat 4 5496.9 322947 14929
## - econ_skip_med 2 9819.4 327270 14975
## - econ_saving 7 11610.6 329061 14983
## - econ_pay_exp400 2 12658.8 330109 15003
## - econ_fin_ok 2 29888.5 347339 15166
##
## Step: AIC=14878.63
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + emp_status + emp_union +
## health + emp_type + emp_num_jobs + race + edu_cat + edu_level +
## race_5cat + race_census + credit_guess + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - emp_num_jobs 4 545.1 318481 14876
## - age_4cat 2 184.2 318120 14876
## + region_4base 3 808.8 317127 14876
## - house_ownership 2 185.0 318120 14876
## - hh_child_6.12 1 10.3 317946 14877
## - edu_level 3 416.7 318352 14877
## - household_head 1 46.6 317982 14877
## - race_5cat 1 53.1 317988 14877
## - metro 1 103.6 318039 14878
## - emp_type 4 731.2 318667 14878
## - hh_child_18p 1 168.7 318104 14878
## <none> 317935 14879
## - emp_union 3 660.5 318596 14879
## - hh_child_13.17 1 270.9 318206 14879
## - gender 1 285.6 318221 14880
## - race 1 297.3 318233 14880
## - household_size 1 312.3 318248 14880
## - hh_child_0.1 1 365.8 318301 14880
## + region_9base 8 1419.6 316516 14880
## + edu_4cat 3 298.7 317637 14882
## + house_type 4 485.0 317450 14882
## - edu_cat 3 927.9 318863 14882
## - emp_status 6 1579.7 319515 14882
## + race_hisp 3 191.3 317744 14883
## - race_census 5 1403.3 319339 14883
## - age 1 632.4 318568 14883
## + marital_status 5 556.8 317379 14883
## + econ_hh_income 20 3452.9 314483 14884
## + edu_father 8 859.1 317076 14886
## - age_7cat 5 1964.2 319900 14888
## + edu 8 593.8 317342 14889
## - credit_guess 6 2221.0 320156 14889
## + edu_mother 8 553.3 317382 14889
## + emp_industry 24 2820.6 315115 14898
## + emp_occupation 26 2923.9 315012 14901
## + state 50 6431.2 311504 14913
## - health 6 4778.0 322713 14914
## - econ_inc_4cat 4 5538.2 323474 14926
## - econ_skip_med 2 9823.6 327759 14972
## - econ_saving 7 11457.6 329393 14978
## - econ_pay_exp400 2 12646.7 330582 14999
## - econ_fin_ok 2 29894.5 347830 15162
##
## Step: AIC=14876.11
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + emp_status + emp_union +
## health + emp_type + race + edu_cat + edu_level + race_5cat +
## race_census + credit_guess + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - age_4cat 2 176.7 318657 14874
## - house_ownership 2 193.3 318674 14874
## - edu_level 3 403.7 318884 14874
## - hh_child_6.12 1 15.2 318496 14874
## + region_4base 3 768.2 317712 14874
## - race_5cat 1 52.6 318533 14875
## - household_head 1 56.2 318537 14875
## - metro 1 96.1 318577 14875
## - hh_child_18p 1 173.1 318654 14876
## <none> 318481 14876
## - emp_union 3 658.7 319139 14877
## - hh_child_13.17 1 271.5 318752 14877
## - gender 1 284.1 318765 14877
## - race 1 308.7 318789 14877
## - household_size 1 320.0 318800 14877
## - hh_child_0.1 1 373.8 318854 14878
## - emp_type 5 1189.5 319670 14878
## + region_9base 8 1381.9 317099 14878
## + emp_num_jobs 4 545.1 317935 14879
## + house_type 4 489.5 317991 14879
## + edu_4cat 3 275.9 318205 14879
## - race_census 5 1349.8 319830 14880
## - edu_cat 3 950.2 319431 14880
## - emp_status 6 1578.7 320059 14880
## + race_hisp 3 195.3 318285 14880
## + marital_status 5 560.1 317920 14880
## - age 1 650.9 319131 14881
## + econ_hh_income 20 3403.9 315077 14882
## + edu_father 8 857.5 317623 14884
## + edu 8 573.2 317907 14886
## - age_7cat 5 2041.2 320522 14886
## - credit_guess 6 2245.7 320726 14887
## + edu_mother 8 528.2 317952 14887
## + emp_industry 24 2882.1 315598 14895
## + emp_occupation 26 2968.2 315512 14898
## - health 6 4708.7 323189 14911
## + state 50 6394.7 312086 14911
## - econ_inc_4cat 4 5454.4 323935 14922
## - econ_skip_med 2 10095.0 328576 14972
## - econ_saving 7 11554.5 330035 14976
## - econ_pay_exp400 2 12599.7 331080 14996
## - econ_fin_ok 2 29937.7 348418 15159
##
## Step: AIC=14873.89
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + emp_status + emp_union +
## health + emp_type + race + edu_cat + edu_level + race_5cat +
## race_census + credit_guess + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - house_ownership 2 197.3 318854 14872
## - edu_level 3 404.8 319062 14872
## + region_4base 3 781.9 317875 14872
## - hh_child_6.12 1 14.6 318672 14872
## - household_head 1 50.4 318708 14872
## - race_5cat 1 53.2 318710 14872
## - metro 1 87.4 318745 14873
## - hh_child_18p 1 194.5 318852 14874
## <none> 318657 14874
## - gender 1 264.7 318922 14874
## - emp_union 3 668.9 319326 14875
## - hh_child_13.17 1 280.8 318938 14875
## - race 1 312.8 318970 14875
## - household_size 1 345.4 319003 14875
## - hh_child_0.1 1 369.8 319027 14876
## - emp_type 5 1170.4 319828 14876
## + region_9base 8 1384.8 317272 14876
## + age_4cat 2 176.7 318481 14876
## + emp_num_jobs 4 537.5 318120 14876
## + house_type 4 490.6 318167 14877
## + edu_4cat 3 276.3 318381 14877
## - edu_cat 3 933.5 319591 14877
## - race_census 5 1340.5 319998 14877
## + race_hisp 3 196.5 318461 14878
## - emp_status 6 1613.2 320270 14878
## + marital_status 5 577.4 318080 14878
## - age 1 740.4 319398 14879
## + econ_hh_income 20 3328.9 315328 14880
## + edu_father 8 853.4 317804 14881
## + edu 8 567.6 318090 14884
## - credit_guess 6 2232.0 320889 14884
## + edu_mother 8 520.8 318136 14885
## + emp_industry 24 2874.9 315782 14893
## + emp_occupation 26 2976.7 315680 14896
## - health 6 4724.1 323381 14909
## + state 50 6395.0 312262 14909
## - age_7cat 6 5145.9 323803 14913
## - econ_inc_4cat 4 5308.4 323966 14919
## - econ_skip_med 2 10060.4 328718 14969
## - econ_saving 7 11644.5 330302 14975
## - econ_pay_exp400 2 12721.7 331379 14995
## - econ_fin_ok 2 29868.9 348526 15156
##
## Step: AIC=14871.86
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + emp_status + emp_union + health + emp_type +
## race + edu_cat + edu_level + race_5cat + race_census + credit_guess +
## econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## + region_4base 3 813.1 318041 14870
## - hh_child_6.12 1 9.9 318864 14870
## - edu_level 3 416.4 319271 14870
## - household_head 1 23.0 318877 14870
## - race_5cat 1 52.7 318907 14870
## - metro 1 99.7 318954 14871
## - hh_child_18p 1 181.6 319036 14872
## <none> 318854 14872
## - gender 1 254.4 319109 14872
## - hh_child_13.17 1 267.2 319122 14872
## - emp_union 3 667.5 319522 14873
## - household_size 1 319.2 319174 14873
## - race 1 333.9 319188 14873
## - hh_child_0.1 1 359.9 319214 14874
## - emp_type 5 1178.2 320033 14874
## + region_9base 8 1411.9 317443 14874
## + house_ownership 2 197.3 318657 14874
## + age_4cat 2 180.7 318674 14874
## + emp_num_jobs 4 547.1 318307 14874
## + house_type 4 540.9 318314 14874
## + edu_4cat 3 281.1 318573 14875
## - edu_cat 3 924.5 319779 14875
## - race_census 5 1339.4 320194 14875
## + race_hisp 3 203.1 318651 14876
## + marital_status 5 555.7 318299 14876
## - emp_status 6 1665.7 320520 14876
## - age 1 751.1 319606 14877
## + econ_hh_income 20 3380.0 315474 14878
## + edu_father 8 848.0 318006 14879
## + edu 8 584.4 318270 14882
## - credit_guess 6 2241.4 321096 14882
## + edu_mother 8 514.4 318340 14883
## + emp_industry 24 2885.7 315969 14891
## + emp_occupation 26 2967.6 315887 14894
## + state 50 6396.0 312458 14907
## - health 6 4755.3 323610 14907
## - age_7cat 6 5093.9 323948 14911
## - econ_inc_4cat 4 5383.1 324238 14917
## - econ_skip_med 2 10225.7 329080 14969
## - econ_saving 7 11715.0 330569 14973
## - econ_pay_exp400 2 12736.5 331591 14993
## - econ_fin_ok 2 30099.3 348954 15156
##
## Step: AIC=14869.7
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + emp_status + emp_union + health + emp_type +
## race + edu_cat + edu_level + race_5cat + race_census + credit_guess +
## econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med + region_4base
##
## Df Sum of Sq RSS AIC
## - edu_level 3 400.0 318441 14868
## - hh_child_6.12 1 11.2 318053 14868
## - household_head 1 16.9 318058 14868
## - race_5cat 1 46.9 318088 14868
## - metro 1 78.3 318120 14868
## - emp_union 3 583.3 318625 14870
## - hh_child_18p 1 196.2 318238 14870
## <none> 318041 14870
## - gender 1 269.3 318311 14870
## - hh_child_13.17 1 289.6 318331 14871
## - race 1 303.5 318345 14871
## - household_size 1 338.9 318380 14871
## - emp_type 5 1186.2 319228 14872
## - hh_child_0.1 1 391.5 318433 14872
## + emp_num_jobs 4 591.8 317450 14872
## - region_4base 3 813.1 318854 14872
## + age_4cat 2 170.0 317871 14872
## + house_ownership 2 166.0 317875 14872
## + house_type 4 486.4 317555 14873
## + edu_4cat 3 272.0 317769 14873
## - race_census 5 1327.4 319369 14873
## - edu_cat 3 928.8 318970 14873
## + region_9base 5 598.7 317443 14874
## + marital_status 5 592.8 317449 14874
## + race_hisp 3 165.3 317876 14874
## - emp_status 6 1638.1 319679 14874
## + econ_hh_income 20 3483.1 314558 14874
## - age 1 711.2 318752 14875
## + edu_father 8 836.1 317205 14877
## + edu 8 568.2 317473 14880
## - credit_guess 6 2253.2 320295 14880
## + edu_mother 8 441.7 317600 14881
## + emp_industry 24 2836.2 315205 14889
## + emp_occupation 26 2950.2 315091 14892
## - health 6 4681.2 322722 14904
## + state 47 5582.8 312458 14907
## - age_7cat 6 5083.5 323125 14908
## - econ_inc_4cat 4 5477.6 323519 14916
## - econ_skip_med 2 10400.4 328442 14969
## - econ_saving 7 11885.2 329927 14973
## - econ_pay_exp400 2 12878.2 330920 14993
## - econ_fin_ok 2 29672.3 347714 15151
##
## Step: AIC=14867.72
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + emp_status + emp_union + health + emp_type +
## race + edu_cat + race_5cat + race_census + credit_guess +
## econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med + region_4base
##
## Df Sum of Sq RSS AIC
## - hh_child_6.12 1 11.8 318453 14866
## - household_head 1 20.4 318462 14866
## - race_5cat 1 47.9 318489 14866
## - metro 1 72.8 318514 14866
## <none> 318441 14868
## - hh_child_18p 1 205.3 318647 14868
## - emp_union 3 632.2 319074 14868
## - gender 1 267.5 318709 14868
## - race 1 299.1 318740 14869
## - hh_child_13.17 1 302.9 318744 14869
## - household_size 1 345.8 318787 14869
## - emp_type 5 1167.1 319608 14869
## - hh_child_0.1 1 380.2 318822 14870
## + edu_level 3 400.0 318041 14870
## + emp_num_jobs 4 577.6 317864 14870
## + house_ownership 2 175.3 318266 14870
## + age_4cat 2 171.1 318270 14870
## - region_4base 3 829.5 319271 14870
## + house_type 4 496.3 317945 14871
## - race_census 5 1307.5 319749 14871
## + region_9base 5 600.3 317841 14872
## + marital_status 5 577.4 317864 14872
## - emp_status 6 1617.2 320059 14872
## + race_hisp 3 141.8 318300 14872
## + econ_hh_income 20 3503.4 314938 14872
## + edu_4cat 3 106.6 318335 14873
## - age 1 753.7 319195 14873
## + edu_father 8 833.7 317608 14875
## - credit_guess 6 2228.1 320669 14878
## - edu_cat 3 1677.4 320119 14878
## + edu 8 483.9 317957 14879
## + edu_mother 8 439.4 318002 14879
## + emp_industry 24 2805.1 315636 14887
## + emp_occupation 26 2969.5 315472 14890
## - health 6 4720.3 323162 14903
## + state 47 5664.7 312777 14904
## - age_7cat 6 5072.9 323514 14906
## - econ_inc_4cat 4 5474.0 323915 14914
## - econ_skip_med 2 10479.7 328921 14967
## - econ_saving 7 11912.5 330354 14971
## - econ_pay_exp400 2 13111.1 331552 14993
## - econ_fin_ok 2 29603.8 348045 15148
##
## Step: AIC=14865.84
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_18p +
## emp_status + emp_union + health + emp_type + race + edu_cat +
## race_5cat + race_census + credit_guess + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med + region_4base
##
## Df Sum of Sq RSS AIC
## - household_head 1 18.8 318472 14864
## - race_5cat 1 48.0 318501 14864
## - metro 1 73.3 318526 14865
## <none> 318453 14866
## - emp_union 3 628.6 319082 14866
## - gender 1 274.4 318728 14867
## - race 1 299.8 318753 14867
## - hh_child_18p 1 322.9 318776 14867
## - hh_child_13.17 1 355.4 318809 14867
## - emp_type 5 1165.6 319619 14868
## + hh_child_6.12 1 11.8 318441 14868
## + edu_level 3 400.6 318053 14868
## + emp_num_jobs 4 581.5 317872 14868
## - hh_child_0.1 1 424.6 318878 14868
## + house_ownership 2 171.3 318282 14868
## + age_4cat 2 170.9 318282 14868
## - region_4base 3 828.3 319281 14868
## + house_type 4 493.0 317960 14869
## - race_census 5 1313.7 319767 14869
## + region_9base 5 595.1 317858 14870
## + marital_status 5 578.6 317875 14870
## - emp_status 6 1630.2 320083 14870
## + race_hisp 3 140.3 318313 14870
## + econ_hh_income 20 3491.5 314962 14871
## + edu_4cat 3 105.3 318348 14871
## - household_size 1 750.4 319204 14871
## - age 1 753.9 319207 14871
## + edu_father 8 835.7 317617 14873
## - credit_guess 6 2222.4 320676 14876
## - edu_cat 3 1680.9 320134 14877
## + edu 8 485.3 317968 14877
## + edu_mother 8 438.5 318015 14877
## + emp_industry 24 2809.2 315644 14886
## + emp_occupation 26 2967.0 315486 14888
## - health 6 4717.6 323171 14901
## + state 47 5672.1 312781 14902
## - age_7cat 6 5063.9 323517 14904
## - econ_inc_4cat 4 5465.7 323919 14912
## - econ_skip_med 2 10474.7 328928 14965
## - econ_saving 7 11917.3 330370 14969
## - econ_pay_exp400 2 13125.7 331579 14991
## - econ_fin_ok 2 29626.7 348080 15146
##
## Step: AIC=14864.03
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## hh_child_0.1 + hh_child_13.17 + hh_child_18p + emp_status +
## emp_union + health + emp_type + race + edu_cat + race_5cat +
## race_census + credit_guess + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med + region_4base
##
## Df Sum of Sq RSS AIC
## - race_5cat 1 48.1 318520 14862
## - metro 1 71.6 318544 14863
## <none> 318472 14864
## - emp_union 3 626.0 319098 14864
## - gender 1 276.6 318749 14865
## - race 1 298.5 318770 14865
## - hh_child_18p 1 308.0 318780 14865
## - hh_child_13.17 1 349.6 318822 14866
## - emp_type 5 1165.3 319637 14866
## + household_head 1 18.8 318453 14866
## + hh_child_6.12 1 10.2 318462 14866
## + edu_level 3 403.9 318068 14866
## + emp_num_jobs 4 586.3 317886 14866
## + age_4cat 2 167.3 318305 14866
## - hh_child_0.1 1 431.0 318903 14866
## - region_4base 3 834.9 319307 14866
## + house_ownership 2 149.6 318322 14866
## - race_census 5 1304.1 319776 14867
## + house_type 4 475.2 317997 14867
## + region_9base 5 594.3 317878 14868
## - emp_status 6 1655.5 320127 14869
## + race_hisp 3 140.9 318331 14869
## + marital_status 5 530.2 317942 14869
## + edu_4cat 3 102.9 318369 14869
## + econ_hh_income 20 3459.5 315013 14869
## - household_size 1 743.6 319216 14870
## - age 1 758.0 319230 14870
## + edu_father 8 841.7 317630 14872
## - credit_guess 6 2235.8 320708 14874
## - edu_cat 3 1687.5 320159 14875
## + edu 8 483.6 317988 14875
## + edu_mother 8 442.1 318030 14876
## + emp_industry 24 2806.3 315666 14884
## + emp_occupation 26 2975.1 315497 14886
## - health 6 4704.6 323177 14899
## + state 47 5683.7 312788 14900
## - age_7cat 6 5074.1 323546 14903
## - econ_inc_4cat 4 5619.2 324091 14912
## - econ_skip_med 2 10475.6 328948 14964
## - econ_saving 7 11900.4 330372 14967
## - econ_pay_exp400 2 13115.3 331587 14989
## - econ_fin_ok 2 29692.8 348165 15145
##
## Step: AIC=14862.51
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## hh_child_0.1 + hh_child_13.17 + hh_child_18p + emp_status +
## emp_union + health + emp_type + race + edu_cat + race_census +
## credit_guess + econ_saving + econ_inc_4cat + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med + region_4base
##
## Df Sum of Sq RSS AIC
## - metro 1 70.1 318590 14861
## <none> 318520 14862
## - emp_union 3 625.0 319145 14863
## - gender 1 281.5 318802 14863
## - hh_child_18p 1 312.1 318832 14864
## + race_5cat 1 48.1 318472 14864
## - hh_child_13.17 1 354.2 318874 14864
## - emp_type 5 1161.9 319682 14864
## + household_head 1 18.9 318501 14864
## + hh_child_6.12 1 10.4 318510 14864
## + edu_level 3 404.9 318115 14864
## + emp_num_jobs 4 586.4 317934 14865
## + age_4cat 2 167.6 318352 14865
## - hh_child_0.1 1 431.0 318951 14865
## - region_4base 3 840.8 319361 14865
## + house_ownership 2 149.5 318371 14865
## - race 4 1071.3 319591 14865
## - race_census 5 1280.6 319801 14865
## + house_type 4 475.8 318044 14866
## + region_9base 5 594.6 317925 14866
## + race_hisp 3 149.4 318371 14867
## - emp_status 6 1649.4 320169 14867
## + marital_status 5 536.3 317984 14867
## + edu_4cat 3 103.1 318417 14868
## + econ_hh_income 20 3459.3 315061 14868
## - household_size 1 749.3 319269 14868
## - age 1 758.6 319279 14868
## + edu_father 8 843.5 317677 14870
## - credit_guess 6 2240.7 320761 14873
## - edu_cat 3 1696.3 320216 14874
## + edu 8 490.1 318030 14874
## + edu_mother 8 448.5 318072 14874
## + emp_industry 24 2810.5 315710 14882
## + emp_occupation 26 2979.8 315540 14884
## - health 6 4698.2 323218 14897
## + state 47 5702.9 312817 14899
## - age_7cat 6 5076.4 323597 14901
## - econ_inc_4cat 4 5626.1 324146 14910
## - econ_skip_med 2 10455.8 328976 14962
## - econ_saving 7 11910.0 330430 14966
## - econ_pay_exp400 2 13114.6 331635 14988
## - econ_fin_ok 2 29675.0 348195 15143
##
## Step: AIC=14861.21
## cfpb_score ~ gender + age + age_7cat + household_size + hh_child_0.1 +
## hh_child_13.17 + hh_child_18p + emp_status + emp_union +
## health + emp_type + race + edu_cat + race_census + credit_guess +
## econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med + region_4base
##
## Df Sum of Sq RSS AIC
## <none> 318590 14861
## - emp_union 3 633.1 319223 14862
## - gender 1 280.2 318870 14862
## - hh_child_18p 1 304.2 318894 14862
## + metro 1 70.1 318520 14862
## + race_5cat 1 46.6 318544 14863
## - hh_child_13.17 1 358.1 318948 14863
## + household_head 1 17.3 318573 14863
## - emp_type 5 1183.9 319774 14863
## + hh_child_6.12 1 10.9 318579 14863
## + edu_level 3 399.4 318191 14863
## + emp_num_jobs 4 582.5 318008 14863
## - hh_child_0.1 1 432.7 319023 14864
## + age_4cat 2 158.9 318431 14864
## + house_ownership 2 158.2 318432 14864
## - region_4base 3 861.4 319452 14864
## - race 4 1065.0 319655 14864
## - race_census 5 1290.0 319880 14864
## + house_type 4 489.6 318101 14864
## + region_9base 5 566.8 318023 14866
## + race_hisp 3 148.2 318442 14866
## - emp_status 6 1654.9 320245 14866
## + marital_status 5 525.6 318065 14866
## + edu_4cat 3 104.2 318486 14866
## - household_size 1 738.6 319329 14867
## - age 1 754.1 319344 14867
## + econ_hh_income 20 3391.6 315199 14867
## + edu_father 8 848.3 317742 14869
## - credit_guess 6 2213.2 320803 14871
## + edu 8 492.9 318097 14872
## - edu_cat 3 1736.1 320326 14873
## + edu_mother 8 440.3 318150 14873
## + emp_industry 24 2791.9 315798 14881
## + emp_occupation 26 2972.8 315617 14883
## - health 6 4713.9 323304 14896
## + state 47 5718.0 312872 14897
## - age_7cat 6 5036.2 323626 14899
## - econ_inc_4cat 4 5565.7 324156 14909
## - econ_skip_med 2 10481.7 329072 14961
## - econ_saving 7 11879.6 330470 14964
## - econ_pay_exp400 2 13092.9 331683 14986
## - econ_fin_ok 2 29662.9 348253 15142Stepwise regression Akaike information criterion (AIC)
fed_result3<- stats::step(fed_result1, k=2)## Start: AIC=14997.35
## cfpb_score ~ gender + age + age_7cat + age_4cat + state + region_9base +
## region_4base + metro + marital_status + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + house_type + emp_industry +
## emp_occupation + emp_status + emp_union + health + emp_type +
## emp_num_jobs + race + race_hisp + edu_cat + edu + edu_level +
## race_5cat + race_census + edu_4cat + edu_mother + edu_father +
## credit_guess + econ_saving + econ_inc_4cat + econ_hh_income +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
##
## Step: AIC=14997.35
## cfpb_score ~ gender + age + age_7cat + age_4cat + state + region_9base +
## region_4base + metro + marital_status + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + house_type + emp_industry +
## emp_occupation + emp_status + emp_union + health + emp_type +
## emp_num_jobs + race + race_hisp + edu_cat + edu + edu_level +
## race_5cat + race_census + edu_mother + edu_father + credit_guess +
## econ_saving + econ_inc_4cat + econ_hh_income + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
##
## Step: AIC=14997.35
## cfpb_score ~ gender + age + age_7cat + age_4cat + state + region_9base +
## metro + marital_status + household_size + household_head +
## hh_child_0.1 + hh_child_13.17 + hh_child_6.12 + hh_child_18p +
## house_ownership + house_type + emp_industry + emp_occupation +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu + edu_level + race_5cat +
## race_census + edu_mother + edu_father + credit_guess + econ_saving +
## econ_inc_4cat + econ_hh_income + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
##
## Step: AIC=14997.35
## cfpb_score ~ gender + age + age_7cat + age_4cat + state + metro +
## marital_status + household_size + household_head + hh_child_0.1 +
## hh_child_13.17 + hh_child_6.12 + hh_child_18p + house_ownership +
## house_type + emp_industry + emp_occupation + emp_status +
## emp_union + health + emp_type + emp_num_jobs + race + race_hisp +
## edu_cat + edu + edu_level + race_5cat + race_census + edu_mother +
## edu_father + credit_guess + econ_saving + econ_inc_4cat +
## econ_hh_income + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - state 50 6341.0 305630 14964
## - emp_occupation 26 2982.9 302271 14977
## - emp_industry 24 2777.4 302066 14979
## - edu_mother 8 500.8 299789 14987
## - edu 8 591.0 299880 14988
## - edu_father 8 667.1 299956 14988
## - house_type 4 259.3 299548 14992
## - econ_hh_income 20 3282.7 302571 14992
## - race_hisp 3 105.3 299394 14992
## - house_ownership 2 96.1 299385 14994
## - edu_cat 3 350.9 299639 14995
## - hh_child_6.12 1 2.3 299291 14995
## - marital_status 5 755.3 300044 14995
## - race_5cat 1 8.7 299297 14995
## - emp_num_jobs 4 580.8 299869 14996
## - age_4cat 2 208.0 299497 14996
## - hh_child_18p 1 102.4 299391 14996
## - edu_level 3 479.5 299768 14996
## - household_head 1 106.0 299394 14996
## - gender 1 124.1 299413 14997
## - metro 1 158.7 299447 14997
## <none> 299288 14997
## - emp_type 4 816.9 300105 14998
## - emp_union 3 634.1 299923 14998
## - household_size 1 263.8 299552 14998
## - hh_child_13.17 1 269.5 299558 14998
## - race 1 342.6 299631 14999
## - hh_child_0.1 1 427.0 299715 15000
## - emp_status 6 1497.5 300786 15001
## - age 1 610.0 299898 15002
## - race_census 5 1411.2 300700 15002
## - age_7cat 5 1587.9 300876 15004
## - credit_guess 6 2414.2 301703 15011
## - econ_inc_4cat 4 2729.7 302018 15018
## - health 6 4008.8 303297 15028
## - econ_saving 7 8742.4 308031 15075
## - econ_skip_med 2 9962.6 309251 15098
## - econ_pay_exp400 2 10629.6 309918 15105
## - econ_fin_ok 2 26804.0 326092 15268
##
## Step: AIC=14964.39
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_industry + emp_occupation + emp_status + emp_union +
## health + emp_type + emp_num_jobs + race + race_hisp + edu_cat +
## edu + edu_level + race_5cat + race_census + edu_mother +
## edu_father + credit_guess + econ_saving + econ_inc_4cat +
## econ_hh_income + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - emp_occupation 26 3000.0 308630 14944
## - emp_industry 24 2895.8 308525 14947
## - edu_mother 8 516.8 306146 14954
## - edu 8 643.1 306273 14955
## - edu_father 8 671.0 306301 14955
## - econ_hh_income 20 3190.3 308820 14958
## - race_hisp 3 186.8 305816 14960
## - house_type 4 389.1 306019 14960
## - house_ownership 2 79.2 305709 14961
## - edu_cat 3 320.5 305950 14962
## - emp_num_jobs 4 519.2 306149 14962
## - marital_status 5 716.6 306346 14962
## - hh_child_6.12 1 8.8 305638 14962
## - race_5cat 1 21.1 305651 14963
## - age_4cat 2 218.6 305848 14963
## - hh_child_18p 1 132.0 305761 14964
## - gender 1 149.6 305779 14964
## - household_head 1 151.2 305781 14964
## <none> 305630 14964
## - edu_level 3 578.7 306208 14964
## - metro 1 234.0 305864 14965
## - hh_child_13.17 1 277.6 305907 14965
## - emp_type 4 868.0 306497 14966
## - household_size 1 318.3 305948 14966
## - race 1 402.7 306032 14967
## - emp_union 3 854.8 306484 14967
## - hh_child_0.1 1 505.1 306135 14968
## - emp_status 6 1500.5 307130 14968
## - age 1 589.9 306219 14969
## - race_census 5 1431.4 307061 14969
## - age_7cat 5 1733.8 307363 14972
## - credit_guess 6 2223.5 307853 14976
## - econ_inc_4cat 4 2648.1 308278 14984
## - health 6 3949.8 309579 14994
## - econ_saving 7 9016.5 314646 15043
## - econ_skip_med 2 9632.4 315262 15060
## - econ_pay_exp400 2 11004.3 316634 15074
## - econ_fin_ok 2 28621.3 334251 15247
##
## Step: AIC=14943.63
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_industry + emp_status + emp_union + health + emp_type +
## emp_num_jobs + race + race_hisp + edu_cat + edu + edu_level +
## race_5cat + race_census + edu_mother + edu_father + credit_guess +
## econ_saving + econ_inc_4cat + econ_hh_income + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - emp_industry 24 2789.2 311419 14924
## - edu_mother 8 495.9 309125 14933
## - edu 8 560.0 309190 14933
## - edu_father 8 668.2 309298 14934
## - econ_hh_income 20 3339.3 311969 14938
## - race_hisp 3 198.4 308828 14940
## - house_type 4 404.0 309034 14940
## - edu_cat 3 268.0 308898 14940
## - house_ownership 2 88.9 308718 14941
## - marital_status 5 673.6 309303 14941
## - emp_num_jobs 4 542.9 309172 14941
## - hh_child_6.12 1 12.8 308642 14942
## - race_5cat 1 24.6 308654 14942
## - age_4cat 2 240.5 308870 14942
## - hh_child_18p 1 147.7 308777 14943
## - household_head 1 187.4 308817 14944
## <none> 308630 14944
## - edu_level 3 587.8 309217 14944
## - gender 1 218.9 308848 14944
## - metro 1 234.6 308864 14944
## - hh_child_13.17 1 268.6 308898 14944
## - household_size 1 333.3 308963 14945
## - race 1 351.9 308981 14945
## - emp_type 4 960.7 309590 14946
## - emp_union 3 832.9 309462 14946
## - hh_child_0.1 1 466.5 309096 14946
## - emp_status 6 1460.1 310090 14947
## - age 1 653.2 309283 14948
## - race_census 5 1524.1 310154 14949
## - age_7cat 5 1822.6 310452 14952
## - credit_guess 6 2193.1 310823 14954
## - econ_inc_4cat 4 2651.3 311281 14963
## - health 6 3987.1 312617 14973
## - econ_saving 7 9361.3 317991 15025
## - econ_skip_med 2 9462.6 318092 15036
## - econ_pay_exp400 2 11357.0 319987 15055
## - econ_fin_ok 2 28610.4 337240 15223
##
## Step: AIC=14924.4
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu + edu_level + race_5cat +
## race_census + edu_mother + edu_father + credit_guess + econ_saving +
## econ_inc_4cat + econ_hh_income + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## - edu_mother 8 459.0 311878 14913
## - edu 8 572.1 311991 14914
## - edu_father 8 712.8 312132 14916
## - econ_hh_income 20 3333.2 314752 14918
## - race_hisp 3 198.3 311617 14920
## - marital_status 5 601.5 312020 14921
## - house_type 4 471.5 311890 14921
## - house_ownership 2 89.4 311508 14921
## - edu_cat 3 284.6 311703 14921
## - hh_child_6.12 1 19.0 311438 14923
## - emp_num_jobs 4 605.1 312024 14923
## - race_5cat 1 26.2 311445 14923
## - age_4cat 2 227.4 311646 14923
## - hh_child_18p 1 155.8 311575 14924
## - household_head 1 177.2 311596 14924
## <none> 311419 14924
## - edu_level 3 587.4 312006 14924
## - metro 1 205.8 311625 14924
## - emp_union 3 646.0 312065 14925
## - emp_type 4 844.7 312263 14925
## - hh_child_13.17 1 274.9 311694 14925
## - gender 1 306.1 311725 14926
## - household_size 1 327.3 311746 14926
## - race 1 358.0 311777 14926
## - hh_child_0.1 1 442.2 311861 14927
## - emp_status 6 1549.1 312968 14928
## - age 1 639.0 312058 14929
## - race_census 5 1492.0 312911 14930
## - age_7cat 5 1805.9 313225 14933
## - credit_guess 6 2127.9 313547 14934
## - econ_inc_4cat 4 2592.2 314011 14943
## - health 6 4346.4 315765 14957
## - econ_saving 7 9258.4 320677 15004
## - econ_skip_med 2 9315.5 320734 15015
## - econ_pay_exp400 2 11390.9 322810 15035
## - econ_fin_ok 2 29247.1 340666 15208
##
## Step: AIC=14913.11
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu + edu_level + race_5cat +
## race_census + edu_father + credit_guess + econ_saving + econ_inc_4cat +
## econ_hh_income + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - edu 8 546.5 312424 14903
## - edu_father 8 797.3 312675 14905
## - econ_hh_income 20 3356.8 315235 14907
## - race_hisp 3 204.2 312082 14909
## - marital_status 5 611.8 312490 14909
## - edu_cat 3 269.9 312148 14910
## - house_ownership 2 83.2 311961 14910
## - house_type 4 479.6 312357 14910
## - emp_num_jobs 4 594.4 312472 14911
## - hh_child_6.12 1 18.7 311897 14911
## - race_5cat 1 27.5 311905 14911
## - age_4cat 2 228.4 312106 14912
## - hh_child_18p 1 160.6 312038 14913
## - edu_level 3 551.5 312429 14913
## - metro 1 183.7 312062 14913
## - household_head 1 187.5 312065 14913
## <none> 311878 14913
## - emp_union 3 612.9 312491 14913
## - emp_type 4 846.2 312724 14914
## - hh_child_13.17 1 274.6 312152 14914
## - gender 1 297.0 312175 14914
## - household_size 1 329.3 312207 14914
## - race 1 367.4 312245 14915
## - hh_child_0.1 1 434.6 312312 14916
## - age 1 661.9 312540 14918
## - emp_status 6 1675.1 313553 14918
## - race_census 5 1479.4 313357 14918
## - age_7cat 5 1840.3 313718 14922
## - credit_guess 6 2113.5 313991 14923
## - econ_inc_4cat 4 2563.0 314441 14931
## - health 6 4319.7 316198 14945
## - econ_saving 7 9252.6 321130 14993
## - econ_skip_med 2 9219.8 321098 15002
## - econ_pay_exp400 2 11526.9 323405 15025
## - econ_fin_ok 2 29621.9 341500 15199
##
## Step: AIC=14902.71
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu_level + race_5cat + race_census +
## edu_father + credit_guess + econ_saving + econ_inc_4cat +
## econ_hh_income + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - edu_father 8 776.5 313201 14895
## - econ_hh_income 20 3433.6 315858 14898
## - race_hisp 3 190.5 312615 14899
## - marital_status 5 620.4 313045 14899
## - house_type 4 454.3 312879 14899
## - house_ownership 2 88.4 312513 14900
## - emp_num_jobs 4 581.5 313006 14901
## - hh_child_6.12 1 20.2 312445 14901
## - race_5cat 1 31.5 312456 14901
## - edu_level 3 428.9 312853 14901
## - age_4cat 2 234.5 312659 14901
## - hh_child_18p 1 163.6 312588 14902
## - metro 1 183.8 312608 14903
## <none> 312424 14903
## - household_head 1 197.4 312622 14903
## - emp_type 4 784.6 313209 14903
## - emp_union 3 608.6 313033 14903
## - hh_child_13.17 1 272.1 312696 14904
## - gender 1 310.6 312735 14904
## - household_size 1 336.3 312761 14904
## - race 1 345.6 312770 14904
## - hh_child_0.1 1 439.6 312864 14905
## - edu_cat 3 973.2 313398 14907
## - emp_status 6 1605.5 314030 14907
## - age 1 675.0 313099 14908
## - race_census 5 1479.9 313904 14908
## - age_7cat 5 1886.1 314310 14912
## - credit_guess 6 2104.4 314529 14912
## - econ_inc_4cat 4 2459.2 314884 14920
## - health 6 4246.3 316671 14934
## - econ_saving 7 9261.1 321685 14982
## - econ_skip_med 2 9109.8 321534 14991
## - econ_pay_exp400 2 11584.4 324009 15015
## - econ_fin_ok 2 29572.2 341997 15188
##
## Step: AIC=14894.65
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu_level + race_5cat + race_census +
## credit_guess + econ_saving + econ_inc_4cat + econ_hh_income +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - econ_hh_income 20 3509.2 316710 14890
## - race_hisp 3 187.4 313388 14891
## - marital_status 5 629.3 313830 14891
## - house_type 4 453.8 313655 14891
## - house_ownership 2 83.9 313285 14892
## - emp_num_jobs 4 582.2 313783 14893
## - hh_child_6.12 1 21.5 313222 14893
## - race_5cat 1 33.8 313235 14893
## - edu_level 3 432.4 313633 14893
## - age_4cat 2 236.8 313438 14893
## - hh_child_18p 1 167.3 313368 14894
## - emp_type 4 759.8 313961 14894
## - metro 1 192.4 313393 14895
## <none> 313201 14895
## - emp_union 3 603.6 313804 14895
## - household_head 1 213.8 313415 14895
## - hh_child_13.17 1 281.4 313482 14896
## - gender 1 293.4 313494 14896
## - race 1 332.5 313533 14896
## - household_size 1 337.6 313538 14896
## - hh_child_0.1 1 441.1 313642 14897
## - edu_cat 3 1007.0 314208 14899
## - emp_status 6 1614.3 314815 14899
## - race_census 5 1430.4 314631 14899
## - age 1 661.7 313863 14899
## - credit_guess 6 2099.9 315301 14904
## - age_7cat 5 1906.0 315107 14904
## - econ_inc_4cat 4 2522.7 315724 14912
## - health 6 4250.8 317452 14926
## - econ_saving 7 9203.4 322404 14973
## - econ_skip_med 2 9154.2 322355 14983
## - econ_pay_exp400 2 11690.1 324891 15008
## - econ_fin_ok 2 29544.7 342746 15179
##
## Step: AIC=14890.29
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu_level + race_5cat + race_census +
## credit_guess + econ_saving + econ_inc_4cat + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - marital_status 5 555.1 317265 14886
## - race_hisp 3 193.8 316904 14886
## - house_type 4 468.7 317179 14887
## - house_ownership 2 113.3 316823 14887
## - emp_num_jobs 4 532.8 317243 14888
## - age_4cat 2 163.7 316874 14888
## - hh_child_6.12 1 13.1 316723 14888
## - race_5cat 1 35.2 316745 14889
## - edu_level 3 448.3 317158 14889
## - metro 1 94.8 316805 14889
## - household_head 1 143.8 316854 14890
## - emp_type 4 745.6 317456 14890
## <none> 316710 14890
## - hh_child_18p 1 224.9 316935 14891
## - hh_child_13.17 1 262.1 316972 14891
## - emp_union 3 669.0 317379 14891
## - household_size 1 301.5 317012 14891
## - race 1 320.5 317031 14892
## - gender 1 327.1 317037 14892
## - edu_cat 3 793.8 317504 14892
## - hh_child_0.1 1 402.9 317113 14892
## - emp_status 6 1502.1 318212 14893
## - race_census 5 1404.4 318114 14894
## - age 1 640.9 317351 14895
## - age_7cat 5 1961.9 318672 14900
## - credit_guess 6 2267.0 318977 14901
## - health 6 4668.5 321379 14925
## - econ_inc_4cat 4 5968.5 322679 14942
## - econ_skip_med 2 9338.9 326049 14979
## - econ_saving 7 11733.7 328444 14993
## - econ_pay_exp400 2 12494.0 329204 15010
## - econ_fin_ok 2 29911.8 346622 15175
##
## Step: AIC=14885.89
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + house_type + emp_status +
## emp_union + health + emp_type + emp_num_jobs + race + race_hisp +
## edu_cat + edu_level + race_5cat + race_census + credit_guess +
## econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## - race_hisp 3 185.2 317450 14882
## - house_type 4 478.9 317744 14883
## - house_ownership 2 116.2 317381 14883
## - emp_num_jobs 4 537.0 317802 14883
## - age_4cat 2 182.3 317448 14884
## - hh_child_6.12 1 13.7 317279 14884
## - edu_level 3 435.3 317701 14884
## - race_5cat 1 41.4 317307 14884
## - household_head 1 65.7 317331 14884
## - metro 1 82.9 317348 14885
## - emp_type 4 745.6 318011 14885
## - hh_child_18p 1 195.6 317461 14886
## <none> 317265 14886
## - emp_union 3 650.3 317916 14886
## - gender 1 283.4 317549 14887
## - hh_child_13.17 1 293.0 317558 14887
## - race 1 300.1 317565 14887
## - household_size 1 343.2 317608 14887
## - hh_child_0.1 1 378.8 317644 14888
## - edu_cat 3 800.9 318066 14888
## - emp_status 6 1533.3 318799 14889
## - race_census 5 1413.6 318679 14890
## - age 1 652.1 317917 14890
## - age_7cat 5 1943.0 319208 14895
## - credit_guess 6 2250.4 319516 14896
## - health 6 4750.3 322016 14921
## - econ_inc_4cat 4 5542.5 322808 14933
## - econ_skip_med 2 9735.6 327001 14978
## - econ_saving 7 11630.0 328895 14987
## - econ_pay_exp400 2 12508.6 329774 15006
## - econ_fin_ok 2 29995.8 347261 15171
##
## Step: AIC=14881.75
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + house_type + emp_status +
## emp_union + health + emp_type + emp_num_jobs + race + edu_cat +
## edu_level + race_5cat + race_census + credit_guess + econ_saving +
## econ_inc_4cat + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - house_type 4 485.0 317935 14879
## - house_ownership 2 122.9 317573 14879
## - emp_num_jobs 4 540.6 317991 14879
## - age_4cat 2 183.2 317634 14880
## - hh_child_6.12 1 12.2 317463 14880
## - edu_level 3 412.1 317863 14880
## - race_5cat 1 51.8 317502 14880
## - household_head 1 67.8 317518 14880
## - metro 1 82.2 317533 14881
## - emp_type 4 730.6 318181 14881
## - hh_child_18p 1 190.2 317641 14882
## <none> 317450 14882
## - emp_union 3 648.7 318099 14882
## - hh_child_13.17 1 288.1 317739 14883
## - gender 1 297.0 317747 14883
## - race 1 314.5 317765 14883
## - household_size 1 334.7 317785 14883
## - hh_child_0.1 1 367.6 317818 14884
## - edu_cat 3 826.9 318277 14884
## - emp_status 6 1561.1 319012 14885
## - race_census 5 1406.2 318857 14886
## - age 1 647.8 318098 14886
## - age_7cat 5 1995.6 319446 14892
## - credit_guess 6 2226.9 319677 14892
## - health 6 4762.8 322213 14917
## - econ_inc_4cat 4 5496.9 322947 14929
## - econ_skip_med 2 9819.4 327270 14975
## - econ_saving 7 11610.6 329061 14983
## - econ_pay_exp400 2 12658.8 330109 15003
## - econ_fin_ok 2 29888.5 347339 15166
##
## Step: AIC=14878.63
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + emp_status + emp_union +
## health + emp_type + emp_num_jobs + race + edu_cat + edu_level +
## race_5cat + race_census + credit_guess + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - emp_num_jobs 4 545.1 318481 14876
## - age_4cat 2 184.2 318120 14876
## - house_ownership 2 185.0 318120 14876
## - hh_child_6.12 1 10.3 317946 14877
## - edu_level 3 416.7 318352 14877
## - household_head 1 46.6 317982 14877
## - race_5cat 1 53.1 317988 14877
## - metro 1 103.6 318039 14878
## - emp_type 4 731.2 318667 14878
## - hh_child_18p 1 168.7 318104 14878
## <none> 317935 14879
## - emp_union 3 660.5 318596 14879
## - hh_child_13.17 1 270.9 318206 14879
## - gender 1 285.6 318221 14880
## - race 1 297.3 318233 14880
## - household_size 1 312.3 318248 14880
## - hh_child_0.1 1 365.8 318301 14880
## - edu_cat 3 927.9 318863 14882
## - emp_status 6 1579.7 319515 14882
## - race_census 5 1403.3 319339 14883
## - age 1 632.4 318568 14883
## - age_7cat 5 1964.2 319900 14888
## - credit_guess 6 2221.0 320156 14889
## - health 6 4778.0 322713 14914
## - econ_inc_4cat 4 5538.2 323474 14926
## - econ_skip_med 2 9823.6 327759 14972
## - econ_saving 7 11457.6 329393 14978
## - econ_pay_exp400 2 12646.7 330582 14999
## - econ_fin_ok 2 29894.5 347830 15162
##
## Step: AIC=14876.11
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + emp_status + emp_union +
## health + emp_type + race + edu_cat + edu_level + race_5cat +
## race_census + credit_guess + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - age_4cat 2 176.7 318657 14874
## - house_ownership 2 193.3 318674 14874
## - edu_level 3 403.7 318884 14874
## - hh_child_6.12 1 15.2 318496 14874
## - race_5cat 1 52.6 318533 14875
## - household_head 1 56.2 318537 14875
## - metro 1 96.1 318577 14875
## - hh_child_18p 1 173.1 318654 14876
## <none> 318481 14876
## - emp_union 3 658.7 319139 14877
## - hh_child_13.17 1 271.5 318752 14877
## - gender 1 284.1 318765 14877
## - race 1 308.7 318789 14877
## - household_size 1 320.0 318800 14877
## - hh_child_0.1 1 373.8 318854 14878
## - emp_type 5 1189.5 319670 14878
## - race_census 5 1349.8 319830 14880
## - edu_cat 3 950.2 319431 14880
## - emp_status 6 1578.7 320059 14880
## - age 1 650.9 319131 14881
## - age_7cat 5 2041.2 320522 14886
## - credit_guess 6 2245.7 320726 14887
## - health 6 4708.7 323189 14911
## - econ_inc_4cat 4 5454.4 323935 14922
## - econ_skip_med 2 10095.0 328576 14972
## - econ_saving 7 11554.5 330035 14976
## - econ_pay_exp400 2 12599.7 331080 14996
## - econ_fin_ok 2 29937.7 348418 15159
##
## Step: AIC=14873.89
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + emp_status + emp_union +
## health + emp_type + race + edu_cat + edu_level + race_5cat +
## race_census + credit_guess + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - house_ownership 2 197.3 318854 14872
## - edu_level 3 404.8 319062 14872
## - hh_child_6.12 1 14.6 318672 14872
## - household_head 1 50.4 318708 14872
## - race_5cat 1 53.2 318710 14872
## - metro 1 87.4 318745 14873
## - hh_child_18p 1 194.5 318852 14874
## <none> 318657 14874
## - gender 1 264.7 318922 14874
## - emp_union 3 668.9 319326 14875
## - hh_child_13.17 1 280.8 318938 14875
## - race 1 312.8 318970 14875
## - household_size 1 345.4 319003 14875
## - hh_child_0.1 1 369.8 319027 14876
## - emp_type 5 1170.4 319828 14876
## - edu_cat 3 933.5 319591 14877
## - race_census 5 1340.5 319998 14877
## - emp_status 6 1613.2 320270 14878
## - age 1 740.4 319398 14879
## - credit_guess 6 2232.0 320889 14884
## - health 6 4724.1 323381 14909
## - age_7cat 6 5145.9 323803 14913
## - econ_inc_4cat 4 5308.4 323966 14919
## - econ_skip_med 2 10060.4 328718 14969
## - econ_saving 7 11644.5 330302 14975
## - econ_pay_exp400 2 12721.7 331379 14995
## - econ_fin_ok 2 29868.9 348526 15156
##
## Step: AIC=14871.86
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + emp_status + emp_union + health + emp_type +
## race + edu_cat + edu_level + race_5cat + race_census + credit_guess +
## econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## - hh_child_6.12 1 9.9 318864 14870
## - edu_level 3 416.4 319271 14870
## - household_head 1 23.0 318877 14870
## - race_5cat 1 52.7 318907 14870
## - metro 1 99.7 318954 14871
## - hh_child_18p 1 181.6 319036 14872
## <none> 318854 14872
## - gender 1 254.4 319109 14872
## - hh_child_13.17 1 267.2 319122 14872
## - emp_union 3 667.5 319522 14873
## - household_size 1 319.2 319174 14873
## - race 1 333.9 319188 14873
## - hh_child_0.1 1 359.9 319214 14874
## - emp_type 5 1178.2 320033 14874
## - edu_cat 3 924.5 319779 14875
## - race_census 5 1339.4 320194 14875
## - emp_status 6 1665.7 320520 14876
## - age 1 751.1 319606 14877
## - credit_guess 6 2241.4 321096 14882
## - health 6 4755.3 323610 14907
## - age_7cat 6 5093.9 323948 14911
## - econ_inc_4cat 4 5383.1 324238 14917
## - econ_skip_med 2 10225.7 329080 14969
## - econ_saving 7 11715.0 330569 14973
## - econ_pay_exp400 2 12736.5 331591 14993
## - econ_fin_ok 2 30099.3 348954 15156
##
## Step: AIC=14869.96
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_18p +
## emp_status + emp_union + health + emp_type + race + edu_cat +
## edu_level + race_5cat + race_census + credit_guess + econ_saving +
## econ_inc_4cat + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - edu_level 3 417.1 319281 14868
## - household_head 1 21.5 318886 14868
## - race_5cat 1 52.8 318917 14868
## - metro 1 99.9 318964 14869
## <none> 318864 14870
## - gender 1 260.6 319125 14871
## - emp_union 3 664.2 319529 14871
## - hh_child_18p 1 288.4 319153 14871
## - hh_child_13.17 1 315.4 319180 14871
## - race 1 334.7 319199 14871
## - emp_type 5 1176.8 320041 14872
## - hh_child_0.1 1 406.5 319271 14872
## - edu_cat 3 929.5 319794 14873
## - race_census 5 1345.3 320210 14873
## - emp_status 6 1678.2 320543 14875
## - household_size 1 702.7 319567 14875
## - age 1 751.4 319616 14876
## - credit_guess 6 2236.2 321101 14880
## - health 6 4752.7 323617 14905
## - age_7cat 6 5087.4 323952 14909
## - econ_inc_4cat 4 5376.1 324240 14915
## - econ_skip_med 2 10221.7 329086 14967
## - econ_saving 7 11721.0 330585 14971
## - econ_pay_exp400 2 12750.1 331614 14991
## - econ_fin_ok 2 30123.2 348988 15155
##
## Step: AIC=14868.14
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_18p +
## emp_status + emp_union + health + emp_type + race + edu_cat +
## race_5cat + race_census + credit_guess + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - household_head 1 25.5 319307 14866
## - race_5cat 1 53.9 319335 14867
## - metro 1 94.4 319376 14867
## <none> 319281 14868
## - gender 1 258.1 319540 14869
## - hh_child_18p 1 301.3 319583 14869
## - emp_union 3 716.3 319998 14869
## - hh_child_13.17 1 330.4 319612 14870
## - race 1 330.6 319612 14870
## - emp_type 5 1155.8 320437 14870
## - hh_child_0.1 1 390.7 319672 14870
## - race_census 5 1323.8 320605 14871
## - emp_status 6 1657.5 320939 14873
## - household_size 1 713.5 319995 14873
## - age 1 797.4 320079 14874
## - credit_guess 6 2207.7 321489 14878
## - edu_cat 3 1678.7 320960 14879
## - health 6 4796.0 324077 14904
## - age_7cat 6 5074.2 324356 14907
## - econ_inc_4cat 4 5372.8 324654 14914
## - econ_skip_med 2 10297.3 329579 14966
## - econ_saving 7 11740.9 331022 14970
## - econ_pay_exp400 2 12983.8 332265 14992
## - econ_fin_ok 2 30044.9 349326 15152
##
## Step: AIC=14866.4
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## hh_child_0.1 + hh_child_13.17 + hh_child_18p + emp_status +
## emp_union + health + emp_type + race + edu_cat + race_5cat +
## race_census + credit_guess + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - race_5cat 1 54.0 319361 14865
## - metro 1 92.4 319399 14865
## <none> 319307 14866
## - gender 1 260.4 319567 14867
## - hh_child_18p 1 283.5 319590 14867
## - emp_union 3 713.4 320020 14868
## - hh_child_13.17 1 323.8 319631 14868
## - race 1 329.2 319636 14868
## - emp_type 5 1154.7 320462 14868
## - hh_child_0.1 1 397.5 319704 14868
## - race_census 5 1312.8 320620 14870
## - emp_status 6 1685.9 320993 14871
## - household_size 1 705.5 320012 14872
## - age 1 802.5 320109 14872
## - credit_guess 6 2222.8 321530 14877
## - edu_cat 3 1686.4 320993 14877
## - health 6 4780.3 324087 14902
## - age_7cat 6 5069.9 324377 14905
## - econ_inc_4cat 4 5534.3 324841 14913
## - econ_skip_med 2 10297.7 329605 14964
## - econ_saving 7 11716.0 331023 14968
## - econ_pay_exp400 2 12970.8 332278 14990
## - econ_fin_ok 2 30121.5 349428 15151
##
## Step: AIC=14864.94
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## hh_child_0.1 + hh_child_13.17 + hh_child_18p + emp_status +
## emp_union + health + emp_type + race + edu_cat + race_census +
## credit_guess + econ_saving + econ_inc_4cat + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - metro 1 90.7 319452 14864
## <none> 319361 14865
## - gender 1 265.7 319627 14866
## - hh_child_18p 1 287.8 319649 14866
## - emp_union 3 712.0 320073 14866
## - hh_child_13.17 1 328.3 319689 14866
## - emp_type 5 1151.2 320512 14866
## - hh_child_0.1 1 397.4 319758 14867
## - race_census 5 1300.6 320661 14868
## - race 4 1148.2 320509 14868
## - emp_status 6 1679.6 321040 14870
## - household_size 1 711.1 320072 14870
## - age 1 802.8 320164 14871
## - credit_guess 6 2229.0 321590 14875
## - edu_cat 3 1695.6 321057 14876
## - health 6 4772.9 324134 14900
## - age_7cat 6 5071.9 324433 14903
## - econ_inc_4cat 4 5541.0 324902 14912
## - econ_skip_med 2 10276.0 329637 14962
## - econ_saving 7 11725.1 331086 14966
## - econ_pay_exp400 2 12970.4 332331 14988
## - econ_fin_ok 2 30103.7 349465 15149
##
## Step: AIC=14863.85
## cfpb_score ~ gender + age + age_7cat + household_size + hh_child_0.1 +
## hh_child_13.17 + hh_child_18p + emp_status + emp_union +
## health + emp_type + race + edu_cat + race_census + credit_guess +
## econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## <none> 319452 14864
## - gender 1 264.2 319716 14864
## - hh_child_18p 1 278.4 319730 14865
## - emp_union 3 722.3 320174 14865
## - hh_child_13.17 1 333.1 319785 14865
## - emp_type 5 1172.8 320624 14866
## - hh_child_0.1 1 399.2 319851 14866
## - race_census 5 1313.2 320765 14867
## - race 4 1136.2 320588 14867
## - emp_status 6 1686.1 321138 14869
## - household_size 1 698.7 320150 14869
## - age 1 797.9 320249 14870
## - credit_guess 6 2197.6 321649 14874
## - edu_cat 3 1742.1 321194 14875
## - health 6 4787.7 324239 14899
## - age_7cat 6 5026.2 324478 14902
## - econ_inc_4cat 4 5467.1 324919 14910
## - econ_skip_med 2 10305.7 329757 14961
## - econ_saving 7 11688.4 331140 14965
## - econ_pay_exp400 2 12941.9 332393 14987
## - econ_fin_ok 2 30092.3 349544 15148Bayes information criterion (BIC)
fed_result4<-stats::step(fed_result1, k=log(nrow(fed_training)))## Start: AIC=16460.28
## cfpb_score ~ gender + age + age_7cat + age_4cat + state + region_9base +
## region_4base + metro + marital_status + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + house_type + emp_industry +
## emp_occupation + emp_status + emp_union + health + emp_type +
## emp_num_jobs + race + race_hisp + edu_cat + edu + edu_level +
## race_5cat + race_census + edu_4cat + edu_mother + edu_father +
## credit_guess + econ_saving + econ_inc_4cat + econ_hh_income +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
##
## Step: AIC=16460.28
## cfpb_score ~ gender + age + age_7cat + age_4cat + state + region_9base +
## region_4base + metro + marital_status + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + house_type + emp_industry +
## emp_occupation + emp_status + emp_union + health + emp_type +
## emp_num_jobs + race + race_hisp + edu_cat + edu + edu_level +
## race_5cat + race_census + edu_mother + edu_father + credit_guess +
## econ_saving + econ_inc_4cat + econ_hh_income + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
##
## Step: AIC=16460.28
## cfpb_score ~ gender + age + age_7cat + age_4cat + state + region_9base +
## metro + marital_status + household_size + household_head +
## hh_child_0.1 + hh_child_13.17 + hh_child_6.12 + hh_child_18p +
## house_ownership + house_type + emp_industry + emp_occupation +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu + edu_level + race_5cat +
## race_census + edu_mother + edu_father + credit_guess + econ_saving +
## econ_inc_4cat + econ_hh_income + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
##
## Step: AIC=16460.28
## cfpb_score ~ gender + age + age_7cat + age_4cat + state + metro +
## marital_status + household_size + household_head + hh_child_0.1 +
## hh_child_13.17 + hh_child_6.12 + hh_child_18p + house_ownership +
## house_type + emp_industry + emp_occupation + emp_status +
## emp_union + health + emp_type + emp_num_jobs + race + race_hisp +
## edu_cat + edu + edu_level + race_5cat + race_census + edu_mother +
## edu_father + credit_guess + econ_saving + econ_inc_4cat +
## econ_hh_income + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - state 50 6341.0 305630 16124
## - emp_occupation 26 2982.9 302271 16282
## - emp_industry 24 2777.4 302066 16296
## - econ_hh_income 20 3282.7 302571 16334
## - edu_mother 8 500.8 299789 16401
## - edu 8 591.0 299880 16402
## - edu_father 8 667.1 299956 16403
## - emp_status 6 1497.5 300786 16428
## - marital_status 5 755.3 300044 16428
## - house_type 4 259.3 299548 16431
## - emp_num_jobs 4 580.8 299869 16434
## - race_census 5 1411.2 300700 16435
## - emp_type 4 816.9 300105 16437
## - age_7cat 5 1587.9 300876 16437
## - race_hisp 3 105.3 299394 16437
## - credit_guess 6 2414.2 301703 16438
## - edu_cat 3 350.9 299639 16440
## - edu_level 3 479.5 299768 16441
## - emp_union 3 634.1 299923 16443
## - house_ownership 2 96.1 299385 16445
## - age_4cat 2 208.0 299497 16446
## - hh_child_6.12 1 2.3 299291 16452
## - race_5cat 1 8.7 299297 16452
## - hh_child_18p 1 102.4 299391 16453
## - household_head 1 106.0 299394 16453
## - gender 1 124.1 299413 16454
## - metro 1 158.7 299447 16454
## - health 6 4008.8 303297 16454
## - household_size 1 263.8 299552 16455
## - hh_child_13.17 1 269.5 299558 16455
## - race 1 342.6 299631 16456
## - hh_child_0.1 1 427.0 299715 16457
## - econ_inc_4cat 4 2729.7 302018 16457
## - age 1 610.0 299898 16459
## <none> 299288 16460
## - econ_saving 7 8742.4 308031 16496
## - econ_skip_med 2 9962.6 309251 16549
## - econ_pay_exp400 2 10629.6 309918 16556
## - econ_fin_ok 2 26804.0 326092 16718
##
## Step: AIC=16123.82
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_industry + emp_occupation + emp_status + emp_union +
## health + emp_type + emp_num_jobs + race + race_hisp + edu_cat +
## edu + edu_level + race_5cat + race_census + edu_mother +
## edu_father + credit_guess + econ_saving + econ_inc_4cat +
## econ_hh_income + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - emp_occupation 26 3000.0 308630 15945
## - emp_industry 24 2895.8 308525 15960
## - econ_hh_income 20 3190.3 308820 15996
## - edu_mother 8 516.8 306146 16065
## - edu 8 643.1 306273 16066
## - edu_father 8 671.0 306301 16066
## - marital_status 5 716.6 306346 16091
## - emp_status 6 1500.5 307130 16091
## - house_type 4 389.1 306019 16096
## - emp_num_jobs 4 519.2 306149 16097
## - race_census 5 1431.4 307061 16098
## - credit_guess 6 2223.5 307853 16099
## - emp_type 4 868.0 306497 16101
## - age_7cat 5 1733.8 307363 16102
## - race_hisp 3 186.8 305816 16102
## - edu_cat 3 320.5 305950 16103
## - edu_level 3 578.7 306208 16106
## - house_ownership 2 79.2 305709 16108
## - emp_union 3 854.8 306484 16108
## - age_4cat 2 218.6 305848 16110
## - hh_child_6.12 1 8.8 305638 16116
## - race_5cat 1 21.1 305651 16116
## - health 6 3949.8 309579 16116
## - hh_child_18p 1 132.0 305761 16117
## - gender 1 149.6 305779 16117
## - household_head 1 151.2 305781 16117
## - metro 1 234.0 305864 16118
## - hh_child_13.17 1 277.6 305907 16119
## - household_size 1 318.3 305948 16119
## - econ_inc_4cat 4 2648.1 308278 16119
## - race 1 402.7 306032 16120
## - hh_child_0.1 1 505.1 306135 16121
## - age 1 589.9 306219 16122
## <none> 305630 16124
## - econ_saving 7 9016.5 314646 16160
## - econ_skip_med 2 9632.4 315262 16207
## - econ_pay_exp400 2 11004.3 316634 16221
## - econ_fin_ok 2 28621.3 334251 16394
##
## Step: AIC=15945.23
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_industry + emp_status + emp_union + health + emp_type +
## emp_num_jobs + race + race_hisp + edu_cat + edu + edu_level +
## race_5cat + race_census + edu_mother + edu_father + credit_guess +
## econ_saving + econ_inc_4cat + econ_hh_income + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - emp_industry 24 2789.2 311419 15780
## - econ_hh_income 20 3339.3 311969 15818
## - edu_mother 8 495.9 309125 15886
## - edu 8 560.0 309190 15886
## - edu_father 8 668.2 309298 15888
## - marital_status 5 673.6 309303 15912
## - emp_status 6 1460.1 310090 15912
## - house_type 4 404.0 309034 15917
## - emp_num_jobs 4 542.9 309172 15919
## - credit_guess 6 2193.1 310823 15920
## - race_census 5 1524.1 310154 15921
## - emp_type 4 960.7 309590 15923
## - race_hisp 3 198.4 308828 15923
## - age_7cat 5 1822.6 310452 15924
## - edu_cat 3 268.0 308898 15924
## - edu_level 3 587.8 309217 15927
## - emp_union 3 832.9 309462 15930
## - house_ownership 2 88.9 308718 15930
## - age_4cat 2 240.5 308870 15932
## - hh_child_6.12 1 12.8 308642 15937
## - race_5cat 1 24.6 308654 15937
## - health 6 3987.1 312617 15938
## - hh_child_18p 1 147.7 308777 15939
## - household_head 1 187.4 308817 15939
## - gender 1 218.9 308848 15939
## - metro 1 234.6 308864 15940
## - hh_child_13.17 1 268.6 308898 15940
## - econ_inc_4cat 4 2651.3 311281 15940
## - household_size 1 333.3 308963 15941
## - race 1 351.9 308981 15941
## - hh_child_0.1 1 466.5 309096 15942
## - age 1 653.2 309283 15944
## <none> 308630 15945
## - econ_saving 7 9361.3 317991 15984
## - econ_skip_med 2 9462.6 318092 16026
## - econ_pay_exp400 2 11357.0 319987 16045
## - econ_fin_ok 2 28610.4 337240 16213
##
## Step: AIC=15780.31
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu + edu_level + race_5cat +
## race_census + edu_mother + edu_father + credit_guess + econ_saving +
## econ_inc_4cat + econ_hh_income + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## - econ_hh_income 20 3333.2 314752 15653
## - edu_mother 8 459.0 311878 15720
## - edu 8 572.1 311991 15722
## - edu_father 8 712.8 312132 15723
## - marital_status 5 601.5 312020 15746
## - emp_status 6 1549.1 312968 15748
## - house_type 4 471.5 311890 15753
## - credit_guess 6 2127.9 313547 15754
## - emp_num_jobs 4 605.1 312024 15754
## - race_census 5 1492.0 312911 15755
## - emp_type 4 844.7 312263 15757
## - race_hisp 3 198.3 311617 15758
## - age_7cat 5 1805.9 313225 15758
## - edu_cat 3 284.6 311703 15759
## - edu_level 3 587.4 312006 15762
## - emp_union 3 646.0 312065 15763
## - house_ownership 2 89.4 311508 15765
## - age_4cat 2 227.4 311646 15766
## - hh_child_6.12 1 19.0 311438 15772
## - race_5cat 1 26.2 311445 15772
## - hh_child_18p 1 155.8 311575 15774
## - household_head 1 177.2 311596 15774
## - metro 1 205.8 311625 15774
## - econ_inc_4cat 4 2592.2 314011 15774
## - hh_child_13.17 1 274.9 311694 15775
## - gender 1 306.1 311725 15775
## - household_size 1 327.3 311746 15776
## - race 1 358.0 311777 15776
## - health 6 4346.4 315765 15776
## - hh_child_0.1 1 442.2 311861 15777
## - age 1 639.0 312058 15779
## <none> 311419 15780
## - econ_saving 7 9258.4 320677 15818
## - econ_skip_med 2 9315.5 320734 15858
## - econ_pay_exp400 2 11390.9 322810 15879
## - econ_fin_ok 2 29247.1 340666 16051
##
## Step: AIC=15652.96
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu + edu_level + race_5cat +
## race_census + edu_mother + edu_father + credit_guess + econ_saving +
## econ_inc_4cat + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - edu_mother 8 482.7 315235 15593
## - edu 8 643.6 315396 15595
## - edu_father 8 811.7 315564 15597
## - marital_status 5 518.4 315270 15618
## - emp_status 6 1454.7 316207 15619
## - house_type 4 485.2 315237 15626
## - emp_num_jobs 4 568.3 315320 15626
## - race_census 5 1464.4 316216 15627
## - credit_guess 6 2279.3 317031 15628
## - emp_type 4 829.5 315581 15629
## - edu_cat 3 201.3 314953 15631
## - race_hisp 3 204.4 314956 15631
## - age_7cat 5 1852.7 316605 15631
## - edu_level 3 615.8 315368 15635
## - emp_union 3 696.8 315449 15636
## - house_ownership 2 112.8 314865 15638
## - age_4cat 2 167.9 314920 15638
## - hh_child_6.12 1 10.1 314762 15645
## - race_5cat 1 27.5 314779 15645
## - metro 1 105.1 314857 15646
## - household_head 1 114.8 314867 15646
## - hh_child_18p 1 208.3 314960 15647
## - hh_child_13.17 1 252.1 315004 15647
## - household_size 1 289.3 315041 15648
## - gender 1 341.8 315094 15648
## - race 1 347.5 315099 15648
## - hh_child_0.1 1 406.5 315158 15649
## - age 1 639.5 315391 15651
## - health 6 4703.8 319456 15652
## <none> 314752 15653
## - econ_inc_4cat 4 5918.3 320670 15680
## - econ_saving 7 11655.0 326407 15713
## - econ_skip_med 2 9529.3 324281 15732
## - econ_pay_exp400 2 12178.7 326931 15758
## - econ_fin_ok 2 29603.7 344356 15924
##
## Step: AIC=15593.29
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu + edu_level + race_5cat +
## race_census + edu_father + credit_guess + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - edu 8 623.3 315858 15535
## - edu_father 8 861.3 316096 15538
## - marital_status 5 525.0 315760 15558
## - emp_status 6 1565.2 316800 15561
## - house_type 4 493.5 315728 15566
## - emp_num_jobs 4 552.1 315787 15567
## - race_census 5 1449.0 316684 15568
## - credit_guess 6 2272.7 317507 15568
## - emp_type 4 822.6 316057 15569
## - edu_cat 3 192.2 315427 15571
## - race_hisp 3 215.4 315450 15571
## - age_7cat 5 1884.2 317119 15572
## - edu_level 3 579.7 315814 15575
## - emp_union 3 661.9 315897 15576
## - house_ownership 2 105.3 315340 15578
## - age_4cat 2 168.2 315403 15579
## - hh_child_6.12 1 9.9 315245 15585
## - race_5cat 1 28.7 315263 15586
## - metro 1 92.0 315327 15586
## - household_head 1 122.6 315357 15586
## - hh_child_18p 1 212.6 315447 15587
## - hh_child_13.17 1 251.8 315486 15588
## - household_size 1 291.3 315526 15588
## - gender 1 327.2 315562 15588
## - race 1 356.1 315591 15589
## - hh_child_0.1 1 398.0 315633 15589
## - age 1 654.7 315889 15592
## - health 6 4677.7 319912 15592
## <none> 315235 15593
## - econ_inc_4cat 4 5874.3 321109 15620
## - econ_saving 7 11669.7 326904 15653
## - econ_skip_med 2 9419.2 324654 15671
## - econ_pay_exp400 2 12287.5 327522 15699
## - econ_fin_ok 2 29988.5 345223 15868
##
## Step: AIC=15535.05
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu_level + race_5cat + race_census +
## edu_father + credit_guess + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - edu_father 8 852.2 316710 15479
## - marital_status 5 540.1 316398 15500
## - emp_status 6 1491.2 317349 15502
## - house_type 4 466.7 316325 15508
## - emp_num_jobs 4 531.4 316389 15508
## - race_census 5 1447.9 317306 15509
## - credit_guess 6 2276.0 318134 15510
## - emp_type 4 771.4 316629 15511
## - race_hisp 3 204.9 316063 15513
## - age_7cat 5 1941.6 317800 15514
## - edu_level 3 451.9 316310 15515
## - emp_union 3 664.7 316523 15518
## - edu_cat 3 769.6 316628 15519
## - house_ownership 2 118.5 315976 15520
## - age_4cat 2 166.0 316024 15521
## - hh_child_6.12 1 10.5 315868 15527
## - race_5cat 1 33.0 315891 15527
## - metro 1 91.6 315950 15528
## - household_head 1 127.2 315985 15528
## - hh_child_18p 1 213.3 316071 15529
## - hh_child_13.17 1 243.7 316102 15529
## - household_size 1 292.8 316151 15530
## - race 1 334.7 316193 15530
## - gender 1 346.6 316205 15530
## - hh_child_0.1 1 399.8 316258 15531
## - health 6 4606.4 320464 15533
## - age 1 667.9 316526 15534
## <none> 315858 15535
## - econ_inc_4cat 4 5850.4 321708 15562
## - econ_saving 7 11736.0 327594 15595
## - econ_skip_med 2 9289.6 325148 15612
## - econ_pay_exp400 2 12338.2 328196 15642
## - econ_fin_ok 2 29958.6 345817 15809
##
## Step: AIC=15479.1
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + marital_status +
## household_size + household_head + hh_child_0.1 + hh_child_13.17 +
## hh_child_6.12 + hh_child_18p + house_ownership + house_type +
## emp_status + emp_union + health + emp_type + emp_num_jobs +
## race + race_hisp + edu_cat + edu_level + race_5cat + race_census +
## credit_guess + econ_saving + econ_inc_4cat + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - marital_status 5 555.1 317265 15444
## - emp_status 6 1502.1 318212 15446
## - house_type 4 468.7 317179 15452
## - emp_num_jobs 4 532.8 317243 15452
## - race_census 5 1404.4 318114 15453
## - credit_guess 6 2267.0 318977 15454
## - emp_type 4 745.6 317456 15454
## - race_hisp 3 193.8 316904 15457
## - age_7cat 5 1961.9 318672 15458
## - edu_level 3 448.3 317158 15459
## - emp_union 3 669.0 317379 15462
## - edu_cat 3 793.8 317504 15463
## - house_ownership 2 113.3 316823 15464
## - age_4cat 2 163.7 316874 15465
## - hh_child_6.12 1 13.1 316723 15471
## - race_5cat 1 35.2 316745 15471
## - metro 1 94.8 316805 15472
## - household_head 1 143.8 316854 15472
## - hh_child_18p 1 224.9 316935 15473
## - hh_child_13.17 1 262.1 316972 15474
## - household_size 1 301.5 317012 15474
## - race 1 320.5 317031 15474
## - gender 1 327.1 317037 15474
## - hh_child_0.1 1 402.9 317113 15475
## - health 6 4668.5 321379 15478
## - age 1 640.9 317351 15478
## <none> 316710 15479
## - econ_inc_4cat 4 5968.5 322679 15506
## - econ_saving 7 11733.7 328444 15539
## - econ_skip_med 2 9338.9 326049 15556
## - econ_pay_exp400 2 12494.0 329204 15587
## - econ_fin_ok 2 29911.8 346622 15752
##
## Step: AIC=15444.35
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + house_type + emp_status +
## emp_union + health + emp_type + emp_num_jobs + race + race_hisp +
## edu_cat + edu_level + race_5cat + race_census + credit_guess +
## econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## - emp_status 6 1533.3 318799 15411
## - house_type 4 478.9 317744 15417
## - emp_num_jobs 4 537.0 317802 15418
## - race_census 5 1413.6 318679 15418
## - credit_guess 6 2250.4 319516 15418
## - emp_type 4 745.6 318011 15420
## - race_hisp 3 185.2 317450 15422
## - age_7cat 5 1943.0 319208 15424
## - edu_level 3 435.3 317701 15424
## - emp_union 3 650.3 317916 15427
## - edu_cat 3 800.9 318066 15428
## - house_ownership 2 116.2 317381 15429
## - age_4cat 2 182.3 317448 15430
## - hh_child_6.12 1 13.7 317279 15436
## - race_5cat 1 41.4 317307 15437
## - household_head 1 65.7 317331 15437
## - metro 1 82.9 317348 15437
## - hh_child_18p 1 195.6 317461 15438
## - gender 1 283.4 317549 15439
## - hh_child_13.17 1 293.0 317558 15439
## - race 1 300.1 317565 15439
## - household_size 1 343.2 317608 15440
## - hh_child_0.1 1 378.8 317644 15440
## - age 1 652.1 317917 15443
## - health 6 4750.3 322016 15444
## <none> 317265 15444
## - econ_inc_4cat 4 5542.5 322808 15468
## - econ_saving 7 11630.0 328895 15503
## - econ_skip_med 2 9735.6 327001 15525
## - econ_pay_exp400 2 12508.6 329774 15552
## - econ_fin_ok 2 29995.8 347261 15717
##
## Step: AIC=15411.35
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + house_type + emp_union +
## health + emp_type + emp_num_jobs + race + race_hisp + edu_cat +
## edu_level + race_5cat + race_census + credit_guess + econ_saving +
## econ_inc_4cat + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - house_type 4 497.8 319296 15384
## - emp_num_jobs 4 538.2 319337 15384
## - race_census 5 1361.5 320160 15385
## - credit_guess 6 2205.6 321004 15385
## - emp_type 4 756.8 319555 15387
## - race_hisp 3 213.0 319012 15389
## - edu_level 3 412.6 319211 15391
## - emp_union 3 650.5 319449 15394
## - edu_cat 3 731.8 319530 15394
## - age_7cat 5 2468.4 321267 15396
## - house_ownership 2 133.2 318932 15396
## - age_4cat 2 218.0 319017 15397
## - hh_child_6.12 1 28.9 318827 15404
## - race_5cat 1 35.9 318834 15404
## - metro 1 85.7 318884 15404
## - household_head 1 114.9 318913 15404
## - hh_child_18p 1 246.3 319045 15406
## - race 1 296.1 319095 15406
## - hh_child_13.17 1 325.6 319124 15406
## - gender 1 344.9 319143 15407
## - hh_child_0.1 1 386.4 319185 15407
## - household_size 1 435.3 319234 15408
## - health 6 4650.7 323449 15409
## - age 1 757.0 319556 15411
## <none> 318799 15411
## - econ_inc_4cat 4 5786.8 324585 15437
## - econ_saving 7 11746.9 330545 15471
## - econ_skip_med 2 10061.6 328860 15495
## - econ_pay_exp400 2 12783.3 331582 15521
## - econ_fin_ok 2 30250.9 349049 15685
##
## Step: AIC=15384.06
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + emp_union + health + emp_type +
## emp_num_jobs + race + race_hisp + edu_cat + edu_level + race_5cat +
## race_census + credit_guess + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - emp_num_jobs 4 542.5 319839 15357
## - race_census 5 1360.1 320656 15357
## - credit_guess 6 2201.4 321498 15358
## - emp_type 4 759.7 320056 15359
## - race_hisp 3 218.8 319515 15362
## - edu_level 3 415.2 319712 15364
## - emp_union 3 662.9 319959 15366
## - age_7cat 5 2428.5 321725 15368
## - edu_cat 3 830.9 320127 15368
## - age_4cat 2 218.9 319515 15370
## - house_ownership 2 233.3 319530 15370
## - hh_child_6.12 1 25.7 319322 15376
## - race_5cat 1 36.9 319333 15376
## - household_head 1 86.3 319383 15377
## - metro 1 110.8 319407 15377
## - hh_child_18p 1 219.9 319516 15378
## - race 1 280.1 319576 15379
## - hh_child_13.17 1 304.3 319601 15379
## - gender 1 330.9 319627 15379
## - hh_child_0.1 1 383.1 319679 15380
## - household_size 1 406.1 319702 15380
## - health 6 4688.4 323985 15382
## - age 1 740.4 320037 15383
## <none> 319296 15384
## - econ_inc_4cat 4 5828.0 325124 15410
## - econ_saving 7 11579.7 330876 15442
## - econ_skip_med 2 10062.3 329359 15467
## - econ_pay_exp400 2 12765.9 332062 15493
## - econ_fin_ok 2 30288.3 349585 15658
##
## Step: AIC=15357.2
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + emp_union + health + emp_type +
## race + race_hisp + edu_cat + edu_level + race_5cat + race_census +
## credit_guess + econ_saving + econ_inc_4cat + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - emp_type 5 1110.8 320950 15328
## - race_census 5 1307.4 321146 15330
## - credit_guess 6 2223.8 322063 15331
## - race_hisp 3 220.3 320059 15335
## - edu_level 3 405.1 320244 15337
## - emp_union 3 661.7 320501 15340
## - edu_cat 3 848.0 320687 15342
## - age_7cat 5 2510.3 322349 15342
## - age_4cat 2 210.6 320049 15343
## - house_ownership 2 242.1 320081 15344
## - hh_child_6.12 1 33.4 319872 15350
## - race_5cat 1 36.2 319875 15350
## - household_head 1 99.3 319938 15350
## - metro 1 103.0 319942 15350
## - hh_child_18p 1 226.2 320065 15351
## - race 1 292.3 320131 15352
## - hh_child_13.17 1 306.5 320145 15352
## - gender 1 328.7 320168 15352
## - hh_child_0.1 1 392.9 320232 15353
## - household_size 1 416.7 320256 15353
## - health 6 4620.1 324459 15355
## - age 1 759.9 320599 15357
## <none> 319839 15357
## - econ_inc_4cat 4 5737.8 325577 15382
## - econ_saving 7 11685.5 331524 15416
## - econ_skip_med 2 10321.2 330160 15443
## - econ_pay_exp400 2 12709.0 332548 15466
## - econ_fin_ok 2 30325.6 350164 15631
##
## Step: AIC=15327.94
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + emp_union + health + race +
## race_hisp + edu_cat + edu_level + race_5cat + race_census +
## credit_guess + econ_saving + econ_inc_4cat + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - race_census 5 1308.1 322258 15301
## - credit_guess 6 2323.4 323273 15303
## - race_hisp 3 196.5 321146 15306
## - emp_union 4 1024.6 321974 15306
## - edu_level 3 372.9 321322 15307
## - edu_cat 3 885.5 321835 15312
## - age_4cat 2 201.6 321151 15314
## - house_ownership 2 230.1 321180 15314
## - age_7cat 5 2685.8 323635 15314
## - hh_child_6.12 1 29.7 320979 15320
## - race_5cat 1 33.2 320983 15320
## - household_head 1 89.0 321039 15321
## - metro 1 132.3 321082 15321
## - hh_child_18p 1 199.4 321149 15322
## - gender 1 226.0 321176 15322
## - race 1 295.0 321245 15323
## - hh_child_13.17 1 303.7 321253 15323
## - health 6 4389.1 325339 15323
## - hh_child_0.1 1 348.2 321298 15323
## - household_size 1 399.6 321349 15324
## <none> 320950 15328
## - age 1 847.8 321797 15328
## - econ_inc_4cat 4 5715.9 326666 15352
## - econ_saving 7 11616.4 332566 15385
## - econ_skip_med 2 10611.4 331561 15416
## - econ_pay_exp400 2 12548.7 333498 15434
## - econ_fin_ok 2 30629.8 351579 15603
##
## Step: AIC=15300.6
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + emp_union + health + race +
## race_hisp + edu_cat + edu_level + race_5cat + credit_guess +
## econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## - credit_guess 6 2232.5 324490 15274
## - emp_union 4 989.3 323247 15278
## - race_hisp 3 194.3 322452 15278
## - edu_level 3 344.0 322602 15280
## - edu_cat 3 892.9 323151 15285
## - age_4cat 2 189.6 322447 15286
## - house_ownership 2 225.7 322483 15287
## - age_7cat 5 2741.3 324999 15287
## - race 1 12.2 322270 15293
## - hh_child_6.12 1 37.5 322295 15293
## - race_5cat 1 58.5 322316 15293
## - household_head 1 67.7 322325 15293
## - metro 1 131.0 322389 15294
## - hh_child_18p 1 183.0 322441 15294
## - gender 1 219.4 322477 15295
## - health 6 4374.3 326632 15295
## - hh_child_13.17 1 280.7 322539 15295
## - hh_child_0.1 1 351.6 322609 15296
## - household_size 1 388.3 322646 15296
## - age 1 801.6 323059 15300
## <none> 322258 15301
## - econ_inc_4cat 4 5683.4 327941 15324
## - econ_saving 7 11618.3 333876 15357
## - econ_skip_med 2 10973.2 333231 15392
## - econ_pay_exp400 2 12239.2 334497 15404
## - econ_fin_ok 2 30822.8 353081 15577
##
## Step: AIC=15274.25
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + emp_union + health + race +
## race_hisp + edu_cat + edu_level + race_5cat + econ_saving +
## econ_inc_4cat + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - race_hisp 3 168.4 324659 15252
## - edu_level 3 310.8 324801 15253
## - emp_union 4 1138.2 325628 15253
## - edu_cat 3 926.9 325417 15259
## - age_4cat 2 179.7 324670 15260
## - house_ownership 2 256.0 324746 15261
## - age_7cat 5 2823.2 327314 15262
## - race 1 15.5 324506 15266
## - hh_child_6.12 1 28.6 324519 15266
## - race_5cat 1 49.8 324540 15267
## - metro 1 94.0 324584 15267
## - household_head 1 95.6 324586 15267
## - hh_child_18p 1 151.5 324642 15268
## - gender 1 249.1 324739 15269
## - hh_child_13.17 1 250.6 324741 15269
## - household_size 1 362.0 324852 15270
## - hh_child_0.1 1 388.7 324879 15270
## - health 6 4825.7 329316 15273
## - age 1 814.6 325305 15274
## <none> 324490 15274
## - econ_inc_4cat 4 5723.1 330213 15298
## - econ_saving 8 14064.2 338555 15345
## - econ_skip_med 2 11326.3 335817 15368
## - econ_pay_exp400 2 13504.5 337995 15388
## - econ_fin_ok 2 31023.2 355514 15550
##
## Step: AIC=15251.7
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + emp_union + health + race +
## edu_cat + edu_level + race_5cat + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - edu_level 3 296.1 324955 15230
## - emp_union 4 1143.1 325802 15231
## - edu_cat 3 949.0 325608 15237
## - age_4cat 2 179.9 324839 15237
## - house_ownership 2 258.3 324917 15238
## - age_7cat 5 2883.3 327542 15240
## - race 1 15.8 324675 15244
## - hh_child_6.12 1 26.5 324685 15244
## - race_5cat 1 49.6 324708 15244
## - metro 1 92.3 324751 15244
## - household_head 1 99.9 324759 15245
## - hh_child_18p 1 148.4 324807 15245
## - hh_child_13.17 1 245.9 324905 15246
## - gender 1 264.9 324924 15246
## - household_size 1 355.6 325014 15247
## - hh_child_0.1 1 380.2 325039 15247
## - health 6 4837.1 329496 15251
## - age 1 808.9 325468 15252
## <none> 324659 15252
## - econ_inc_4cat 4 5678.6 330337 15275
## - econ_saving 8 14028.2 338687 15322
## - econ_skip_med 2 11410.4 336069 15346
## - econ_pay_exp400 2 13634.0 338293 15367
## - econ_fin_ok 2 30925.1 355584 15526
##
## Step: AIC=15230.41
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + emp_union + health + race +
## edu_cat + race_5cat + econ_saving + econ_inc_4cat + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - emp_union 4 1212.4 326167 15210
## - age_4cat 2 180.5 325135 15216
## - house_ownership 2 270.2 325225 15217
## - age_7cat 5 2855.0 327810 15218
## - race 1 16.8 324972 15222
## - hh_child_6.12 1 27.5 324982 15223
## - race_5cat 1 46.1 325001 15223
## - metro 1 87.3 325042 15223
## - edu_cat 3 1745.1 326700 15223
## - household_head 1 109.0 325064 15223
## - hh_child_18p 1 155.7 325110 15224
## - hh_child_13.17 1 257.4 325212 15225
## - gender 1 264.4 325219 15225
## - household_size 1 363.1 325318 15226
## - hh_child_0.1 1 371.8 325327 15226
## - health 6 4881.1 329836 15230
## <none> 324955 15230
## - age 1 846.3 325801 15231
## - econ_inc_4cat 4 5677.5 330632 15254
## - econ_saving 8 14029.7 338985 15301
## - econ_skip_med 2 11461.1 336416 15325
## - econ_pay_exp400 2 13851.4 338806 15348
## - econ_fin_ok 2 30873.5 355828 15504
##
## Step: AIC=15210.03
## cfpb_score ~ gender + age + age_7cat + age_4cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + health + race + edu_cat +
## race_5cat + econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## - age_4cat 2 226.9 326394 15196
## - house_ownership 2 262.0 326429 15196
## - race 1 14.1 326181 15202
## - hh_child_6.12 1 20.9 326188 15202
## - race_5cat 1 44.0 326211 15202
## - age_7cat 5 3363.4 329531 15202
## - household_head 1 79.2 326246 15203
## - metro 1 83.7 326251 15203
## - hh_child_18p 1 125.6 326293 15203
## - gender 1 201.9 326369 15204
## - edu_cat 3 1897.0 328064 15204
## - hh_child_13.17 1 246.7 326414 15204
## - household_size 1 309.1 326476 15205
## - hh_child_0.1 1 328.2 326495 15205
## - health 6 4844.0 331011 15209
## <none> 326167 15210
## - age 1 992.0 327159 15212
## - econ_inc_4cat 4 5331.3 331498 15230
## - econ_saving 8 14472.2 340639 15284
## - econ_skip_med 2 11179.1 337346 15302
## - econ_pay_exp400 2 13557.9 339725 15324
## - econ_fin_ok 2 30556.1 356723 15480
##
## Step: AIC=15196.12
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + house_ownership + health + race + edu_cat +
## race_5cat + econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## - house_ownership 2 259.9 326654 15182
## - race 1 14.7 326409 15188
## - hh_child_6.12 1 20.3 326414 15188
## - race_5cat 1 44.2 326438 15188
## - household_head 1 72.7 326467 15189
## - metro 1 75.4 326469 15189
## - hh_child_18p 1 144.9 326539 15190
## - edu_cat 3 1826.0 328220 15190
## - gender 1 179.6 326574 15190
## - hh_child_13.17 1 255.1 326649 15190
## - hh_child_0.1 1 324.2 326718 15191
## - household_size 1 336.3 326730 15191
## - health 6 4864.0 331258 15195
## <none> 326394 15196
## - age 1 1261.5 327656 15200
## - econ_inc_4cat 4 5154.4 331548 15214
## - age_7cat 6 10495.9 336890 15249
## - econ_saving 8 14602.5 340997 15272
## - econ_skip_med 2 11137.1 337531 15287
## - econ_pay_exp400 2 13741.9 340136 15312
## - econ_fin_ok 2 30504.0 356898 15466
##
## Step: AIC=15182.52
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_6.12 +
## hh_child_18p + health + race + edu_cat + race_5cat + econ_saving +
## econ_inc_4cat + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - hh_child_6.12 1 13.5 326668 15175
## - race 1 15.4 326669 15175
## - household_head 1 35.7 326690 15175
## - race_5cat 1 40.5 326694 15175
## - metro 1 90.4 326744 15175
## - hh_child_18p 1 135.4 326789 15176
## - edu_cat 3 1792.9 328447 15176
## - gender 1 169.6 326824 15176
## - hh_child_13.17 1 237.1 326891 15177
## - household_size 1 301.4 326955 15177
## - hh_child_0.1 1 315.5 326969 15178
## - health 6 4946.7 331601 15182
## <none> 326654 15182
## - age 1 1290.9 327945 15187
## - econ_inc_4cat 4 5300.8 331955 15202
## - age_7cat 6 10377.4 337031 15234
## - econ_saving 8 14873.8 341528 15260
## - econ_skip_med 2 11330.7 337985 15275
## - econ_pay_exp400 2 13864.6 340519 15299
## - econ_fin_ok 2 30942.3 357596 15456
##
## Step: AIC=15174.59
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_18p +
## health + race + edu_cat + race_5cat + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - race 1 14.7 326682 15167
## - household_head 1 33.4 326701 15167
## - race_5cat 1 39.3 326707 15167
## - metro 1 90.9 326758 15167
## - edu_cat 3 1796.9 328464 15168
## - gender 1 175.5 326843 15168
## - hh_child_18p 1 184.1 326852 15168
## - hh_child_13.17 1 263.6 326931 15169
## - hh_child_0.1 1 340.7 327008 15170
## - household_size 1 623.2 327291 15173
## - health 6 4943.1 331611 15174
## <none> 326668 15175
## - age 1 1291.4 327959 15179
## - econ_inc_4cat 4 5292.4 331960 15194
## - age_7cat 6 10381.2 337049 15226
## - econ_saving 8 14873.2 341541 15252
## - econ_skip_med 2 11326.1 337994 15267
## - econ_pay_exp400 2 13880.6 340548 15292
## - econ_fin_ok 2 30974.1 357642 15448
##
## Step: AIC=15166.66
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## household_head + hh_child_0.1 + hh_child_13.17 + hh_child_18p +
## health + edu_cat + race_5cat + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - household_head 1 33.4 326716 15159
## - metro 1 96.1 326778 15160
## - edu_cat 3 1795.8 328478 15160
## - gender 1 175.4 326858 15160
## - hh_child_18p 1 181.3 326864 15160
## - hh_child_13.17 1 261.4 326944 15161
## - hh_child_0.1 1 340.3 327023 15162
## - race_5cat 4 2899.4 329582 15163
## - household_size 1 619.6 327302 15165
## - health 6 4952.7 331635 15166
## <none> 326682 15167
## - age 1 1288.0 327970 15171
## - econ_inc_4cat 4 5279.7 331962 15186
## - age_7cat 6 10366.5 337049 15218
## - econ_saving 8 14866.7 341549 15244
## - econ_skip_med 2 11320.6 338003 15260
## - econ_pay_exp400 2 13886.6 340569 15284
## - econ_fin_ok 2 30990.8 357673 15440
##
## Step: AIC=15158.92
## cfpb_score ~ gender + age + age_7cat + metro + household_size +
## hh_child_0.1 + hh_child_13.17 + hh_child_18p + health + edu_cat +
## race_5cat + econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## - metro 1 93.6 326809 15152
## - edu_cat 3 1796.1 328512 15152
## - hh_child_18p 1 164.4 326880 15152
## - gender 1 178.1 326894 15153
## - hh_child_13.17 1 254.2 326970 15153
## - hh_child_0.1 1 348.5 327064 15154
## - race_5cat 4 2885.6 329601 15155
## - household_size 1 613.0 327329 15157
## - health 6 4934.0 331650 15158
## <none> 326716 15159
## - age 1 1295.3 328011 15164
## - econ_inc_4cat 4 5483.1 332199 15180
## - age_7cat 6 10402.2 337118 15211
## - econ_saving 8 14834.0 341550 15236
## - econ_skip_med 2 11333.0 338049 15252
## - econ_pay_exp400 2 13901.8 340617 15276
## - econ_fin_ok 2 31121.9 357838 15434
##
## Step: AIC=15151.76
## cfpb_score ~ gender + age + age_7cat + household_size + hh_child_0.1 +
## hh_child_13.17 + hh_child_18p + health + edu_cat + race_5cat +
## econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## - hh_child_18p 1 156.5 326966 15145
## - gender 1 175.6 326985 15145
## - edu_cat 3 1848.1 328657 15146
## - hh_child_13.17 1 258.4 327068 15146
## - race_5cat 4 2813.0 329622 15147
## - hh_child_0.1 1 348.3 327158 15147
## - household_size 1 600.5 327410 15150
## - health 6 4944.6 331754 15151
## <none> 326809 15152
## - age 1 1285.9 328095 15156
## - econ_inc_4cat 4 5406.1 332215 15172
## - age_7cat 6 10326.0 337135 15203
## - econ_saving 8 14780.5 341590 15229
## - econ_skip_med 2 11362.1 338171 15245
## - econ_pay_exp400 2 13866.3 340676 15268
## - econ_fin_ok 2 31111.1 357920 15426
##
## Step: AIC=15145.22
## cfpb_score ~ gender + age + age_7cat + household_size + hh_child_0.1 +
## hh_child_13.17 + health + edu_cat + race_5cat + econ_saving +
## econ_inc_4cat + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - hh_child_13.17 1 131.9 327098 15138
## - edu_cat 3 1820.9 328787 15139
## - gender 1 186.3 327152 15139
## - hh_child_0.1 1 228.7 327195 15139
## - race_5cat 4 2805.1 329771 15140
## - household_size 1 663.8 327630 15144
## - health 6 4886.7 331852 15144
## <none> 326966 15145
## - age 1 1278.9 328245 15150
## - econ_inc_4cat 4 5398.4 332364 15165
## - age_7cat 6 10438.5 337404 15197
## - econ_saving 8 14883.6 341849 15223
## - econ_skip_med 2 11436.2 338402 15239
## - econ_pay_exp400 2 13858.9 340825 15262
## - econ_fin_ok 2 31435.4 358401 15423
##
## Step: AIC=15138.44
## cfpb_score ~ gender + age + age_7cat + household_size + hh_child_0.1 +
## health + edu_cat + race_5cat + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - edu_cat 3 1831.9 328930 15132
## - gender 1 180.1 327278 15132
## - hh_child_0.1 1 181.9 327280 15132
## - race_5cat 4 2852.1 329950 15134
## - household_size 1 532.0 327630 15136
## - health 6 4951.4 332049 15138
## <none> 327098 15138
## - age 1 1274.0 328372 15143
## - econ_inc_4cat 4 5362.0 332460 15158
## - age_7cat 6 10306.8 337404 15189
## - econ_saving 8 14843.6 341941 15216
## - econ_skip_med 2 11452.0 338550 15232
## - econ_pay_exp400 2 13809.4 340907 15254
## - econ_fin_ok 2 31431.6 358529 15416
##
## Step: AIC=15132.09
## cfpb_score ~ gender + age + age_7cat + household_size + hh_child_0.1 +
## health + race_5cat + econ_saving + econ_inc_4cat + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - gender 1 140.8 329070 15125
## - hh_child_0.1 1 190.3 329120 15126
## - health 6 4595.5 333525 15128
## - race_5cat 4 2971.7 331901 15129
## - household_size 1 502.4 329432 15129
## <none> 328930 15132
## - age 1 1495.4 330425 15138
## - econ_inc_4cat 4 4866.9 333797 15147
## - age_7cat 6 10337.8 339267 15183
## - econ_saving 8 14407.3 343337 15205
## - econ_skip_med 2 11429.4 340359 15225
## - econ_pay_exp400 2 12880.6 341810 15239
## - econ_fin_ok 2 31088.5 360018 15405
##
## Step: AIC=15125.39
## cfpb_score ~ age + age_7cat + household_size + hh_child_0.1 +
## health + race_5cat + econ_saving + econ_inc_4cat + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - hh_child_0.1 1 192.2 329263 15119
## - health 6 4588.8 333659 15121
## - race_5cat 4 2947.5 332018 15122
## - household_size 1 494.9 329565 15122
## <none> 329070 15125
## - age 1 1512.5 330583 15132
## - econ_inc_4cat 4 5020.5 334091 15142
## - age_7cat 6 10388.2 339459 15176
## - econ_saving 8 14492.5 343563 15199
## - econ_skip_med 2 11689.3 340760 15221
## - econ_pay_exp400 2 12947.5 342018 15233
## - econ_fin_ok 2 30977.5 360048 15397
##
## Step: AIC=15119.19
## cfpb_score ~ age + age_7cat + household_size + health + race_5cat +
## econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med
##
## Df Sum of Sq RSS AIC
## - health 6 4560.9 333823 15115
## - household_size 1 376.0 329639 15115
## - race_5cat 4 2991.9 332254 15116
## <none> 329263 15119
## - age 1 1551.1 330814 15126
## - econ_inc_4cat 4 4998.0 334261 15135
## - age_7cat 6 10574.1 339837 15172
## - econ_saving 8 14530.4 343793 15193
## - econ_skip_med 2 11756.3 341019 15215
## - econ_pay_exp400 2 12920.0 342183 15226
## - econ_fin_ok 2 31034.4 360297 15391
##
## Step: AIC=15114.76
## cfpb_score ~ age + age_7cat + household_size + race_5cat + econ_saving +
## econ_inc_4cat + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - race_5cat 4 2762 336586 15109
## - household_size 1 325 334149 15110
## <none> 333823 15115
## - age 1 1199 335022 15118
## - econ_inc_4cat 4 5519 339342 15135
## - age_7cat 6 10662 344486 15167
## - econ_saving 8 16976 350799 15209
## - econ_skip_med 2 13421 347244 15225
## - econ_pay_exp400 2 14335 348159 15233
## - econ_fin_ok 2 32279 366102 15394
##
## Step: AIC=15108.83
## cfpb_score ~ age + age_7cat + household_size + econ_saving +
## econ_inc_4cat + econ_fin_ok + econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## - household_size 1 303 336888 15104
## <none> 336586 15109
## - age 1 1140 337725 15112
## - econ_inc_4cat 4 5419 342005 15128
## - age_7cat 6 10116 346702 15155
## - econ_saving 8 15770 352356 15191
## - econ_pay_exp400 2 13390 349976 15217
## - econ_skip_med 2 13565 350150 15219
## - econ_fin_ok 2 31889 368475 15382
##
## Step: AIC=15103.63
## cfpb_score ~ age + age_7cat + econ_saving + econ_inc_4cat + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med
##
## Df Sum of Sq RSS AIC
## <none> 336888 15104
## - age 1 1182 338070 15107
## - econ_inc_4cat 4 5279 342167 15121
## - age_7cat 6 10397 347285 15152
## - econ_saving 8 15806 352694 15186
## - econ_pay_exp400 2 13517 350406 15213
## - econ_skip_med 2 13594 350482 15214
## - econ_fin_ok 2 32313 369201 15380explore both
# Step: AIC=14863.85
# cfpb_score ~ gender + age + age_7cat + household_size + hh_child_0.1 +
# hh_child_13.17 + hh_child_18p + emp_status + emp_union +
# health + emp_type + race + edu_cat + race_census + credit_guess +
# econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
# econ_skip_med
fed_result_c1 <-lm(cfpb_score ~ gender + age + age_7cat + household_size + hh_child_0.1 +
hh_child_13.17 + hh_child_18p + emp_status + emp_union +
health + emp_type + race + edu_cat + race_census + credit_guess +
econ_saving + econ_inc_4cat + econ_fin_ok + econ_pay_exp400 +
econ_skip_med,
data=fed_training)
summary(fed_result_c1)##
## Call:
## lm(formula = cfpb_score ~ gender + age + age_7cat + household_size +
## hh_child_0.1 + hh_child_13.17 + hh_child_18p + emp_status +
## emp_union + health + emp_type + race + edu_cat + race_census +
## credit_guess + econ_saving + econ_inc_4cat + econ_fin_ok +
## econ_pay_exp400 + econ_skip_med, data = fed_training)
##
## Residuals:
## Min 1Q Median 3Q Max
## -30.903 -6.753 -0.508 6.248 32.043
##
## Coefficients: (2 not defined because of singularities)
## Estimate Std. Error t value Pr(>|t|)
## (Intercept) 10.74148 12.97261 0.828 0.407727
## genderMale 0.60467 0.37597 1.608 0.107875
## age 0.17534 0.06273 2.795 0.005220
## age_7cat25-34 -1.64220 1.03033 -1.594 0.111071
## age_7cat35-44 -4.70453 1.49094 -3.155 0.001618
## age_7cat45-54 -6.48022 2.02096 -3.207 0.001357
## age_7cat55-64 -7.56166 2.52100 -2.999 0.002726
## age_7cat65-74 -5.40053 3.06778 -1.760 0.078438
## age_7cat75+ -6.33743 3.71639 -1.705 0.088244
## household_size -0.82115 0.31394 -2.616 0.008949
## hh_child_0.1 1.78644 0.90360 1.977 0.048128
## hh_child_13.17 1.03398 0.57251 1.806 0.071005
## hh_child_18p 0.62934 0.38116 1.651 0.098812
## emp_statusNot working looking for work 0.26483 1.57225 0.168 0.866248
## emp_statusNot working on temporary la... -4.56469 2.46003 -1.856 0.063613
## emp_statusNot working other 0.61955 1.42974 0.433 0.664803
## emp_statusNot working retired 2.30131 1.29404 1.778 0.075436
## emp_statusWorking as a paid employee 16.15043 7.73106 2.089 0.036785
## emp_statusWorking self-employed 17.31907 7.93100 2.184 0.029057
## emp_unionNo 19.09972 10.20247 1.872 0.061290
## emp_unionNot asked 16.91820 10.35043 1.635 0.102246
## emp_unionRefused 18.31203 11.37865 1.609 0.107645
## emp_unionYes 17.68358 10.22477 1.729 0.083821
## healthExcellent 3.40228 0.97029 3.506 0.000461
## healthFair -1.42258 0.97462 -1.460 0.144494
## healthGood 0.41819 0.85404 0.490 0.624414
## healthPoor -2.61809 1.60250 -1.634 0.102411
## healthRefused -1.19474 4.62273 -0.258 0.796077
## healthVery good 1.79799 0.83551 2.152 0.031475
## emp_typeNon-profit organization inc... -1.50848 0.86787 -1.738 0.082284
## emp_typeNot asked 17.11403 7.82047 2.188 0.028717
## emp_typePrivate-for-profit company -1.52694 0.66540 -2.295 0.021812
## emp_typeRefused 0.82228 7.28762 0.113 0.910171
## emp_typeSelf-employed NA NA NA NA
## emp_typeWorking in the family business -3.45756 2.16898 -1.594 0.111016
## raceBlack, Non-Hispanic -2.49972 4.63120 -0.540 0.589403
## raceHispanic 0.72917 2.84341 0.256 0.797626
## raceOther, Non-Hispanic 9.34555 4.40786 2.120 0.034067
## raceWhite, Non-Hispanic -0.46037 2.90381 -0.159 0.874042
## edu_catHigh school 0.95270 0.53253 1.789 0.073711
## edu_catLess than high school 3.78849 0.97914 3.869 0.000111
## edu_catSome college 0.08296 0.47254 0.176 0.860654
## race_censusAmerican Indian or Alaska N... -8.08976 3.68112 -2.198 0.028048
## race_censusAsian -10.09569 4.35525 -2.318 0.020511
## race_censusBlack or African American 5.38742 4.48225 1.202 0.229476
## race_censusNative Hawaiian/Pacific Isl... -6.36398 5.66732 -1.123 0.261556
## race_censusWhite -0.33341 2.71126 -0.123 0.902138
## credit_guessDon\u0092t know -1.31276 1.17696 -1.115 0.264774
## credit_guessExcellent -1.78245 0.77114 -2.311 0.020873
## credit_guessFair -3.43187 0.98302 -3.491 0.000488
## credit_guessGood -4.08616 0.79987 -5.109 3.44e-07
## credit_guessPoor -2.70729 1.27260 -2.127 0.033467
## credit_guessRefused -5.76356 2.54248 -2.267 0.023464
## credit_guessVery poor -2.33250 1.44246 -1.617 0.105973
## econ_saving$1,000,000 or more 8.54076 0.83451 10.234 < 2e-16
## econ_saving$100,000 - $249,999 1.80756 0.67891 2.662 0.007798
## econ_saving$250,000 - $499,999 2.29204 0.78225 2.930 0.003414
## econ_saving$50,000 - $99,999 1.39497 0.67987 2.052 0.040269
## econ_saving$500,000 - $999,999 4.21403 0.79682 5.289 1.32e-07
## econ_savingNot sure 3.14247 1.18915 2.643 0.008268
## econ_savingRefused 3.58248 1.34971 2.654 0.007989
## econ_savingUnder $50,000 NA NA NA NA
## econ_inc_4cat$25,000-$49,999 -4.14634 0.63490 -6.531 7.61e-11
## econ_inc_4cat$50,000-$99,999 -2.27219 0.49774 -4.565 5.19e-06
## econ_inc_4catLess than $25,000 -4.06886 0.67222 -6.053 1.59e-09
## econ_inc_4catRefused -1.42932 2.09235 -0.683 0.494582
## econ_fin_okRefused 14.75227 5.96236 2.474 0.013405
## econ_fin_okYes 10.43572 0.60877 17.142 < 2e-16
## econ_pay_exp400Refused 4.46109 2.54467 1.753 0.079681
## econ_pay_exp400Yes 5.90806 0.52511 11.251 < 2e-16
## econ_skip_medRefused -0.94278 2.48563 -0.379 0.704497
## econ_skip_medYes -5.63258 0.56071 -10.045 < 2e-16
##
## (Intercept)
## genderMale
## age **
## age_7cat25-34
## age_7cat35-44 **
## age_7cat45-54 **
## age_7cat55-64 **
## age_7cat65-74 .
## age_7cat75+ .
## household_size **
## hh_child_0.1 *
## hh_child_13.17 .
## hh_child_18p .
## emp_statusNot working looking for work
## emp_statusNot working on temporary la... .
## emp_statusNot working other
## emp_statusNot working retired .
## emp_statusWorking as a paid employee *
## emp_statusWorking self-employed *
## emp_unionNo .
## emp_unionNot asked
## emp_unionRefused
## emp_unionYes .
## healthExcellent ***
## healthFair
## healthGood
## healthPoor
## healthRefused
## healthVery good *
## emp_typeNon-profit organization inc... .
## emp_typeNot asked *
## emp_typePrivate-for-profit company *
## emp_typeRefused
## emp_typeSelf-employed
## emp_typeWorking in the family business
## raceBlack, Non-Hispanic
## raceHispanic
## raceOther, Non-Hispanic *
## raceWhite, Non-Hispanic
## edu_catHigh school .
## edu_catLess than high school ***
## edu_catSome college
## race_censusAmerican Indian or Alaska N... *
## race_censusAsian *
## race_censusBlack or African American
## race_censusNative Hawaiian/Pacific Isl...
## race_censusWhite
## credit_guessDon\u0092t know
## credit_guessExcellent *
## credit_guessFair ***
## credit_guessGood ***
## credit_guessPoor *
## credit_guessRefused *
## credit_guessVery poor
## econ_saving$1,000,000 or more ***
## econ_saving$100,000 - $249,999 **
## econ_saving$250,000 - $499,999 **
## econ_saving$50,000 - $99,999 *
## econ_saving$500,000 - $999,999 ***
## econ_savingNot sure **
## econ_savingRefused **
## econ_savingUnder $50,000
## econ_inc_4cat$25,000-$49,999 ***
## econ_inc_4cat$50,000-$99,999 ***
## econ_inc_4catLess than $25,000 ***
## econ_inc_4catRefused
## econ_fin_okRefused *
## econ_fin_okYes ***
## econ_pay_exp400Refused .
## econ_pay_exp400Yes ***
## econ_skip_medRefused
## econ_skip_medYes ***
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 10.11 on 3128 degrees of freedom
## Multiple R-squared: 0.499, Adjusted R-squared: 0.488
## F-statistic: 45.15 on 69 and 3128 DF, p-value: < 2.2e-16explore Bayes information criterion (BIC)
# Step: AIC=15103.63
# cfpb_score ~ age + age_7cat + econ_saving + econ_inc_4cat + econ_fin_ok +
# econ_pay_exp400 + econ_skip_med
fed_result_c2 <-lm(cfpb_score ~ age + age_7cat + econ_saving + econ_inc_4cat + econ_fin_ok +
econ_pay_exp400 + econ_skip_med,
data=fed_training)
summary(fed_result_c2)##
## Call:
## lm(formula = cfpb_score ~ age + age_7cat + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med, data = fed_training)
##
## Residuals:
## Min 1Q Median 3Q Max
## -30.955 -6.948 -0.837 6.497 32.365
##
## Coefficients:
## Estimate Std. Error t value Pr(>|t|)
## (Intercept) 44.1340 1.7595 25.083 < 2e-16 ***
## age 0.2092 0.0627 3.336 0.000859 ***
## age_7cat25-34 -2.0183 1.0185 -1.982 0.047609 *
## age_7cat35-44 -5.6553 1.4764 -3.831 0.000130 ***
## age_7cat45-54 -7.3755 2.0260 -3.640 0.000277 ***
## age_7cat55-64 -8.4208 2.5405 -3.315 0.000928 ***
## age_7cat65-74 -5.4071 3.1082 -1.740 0.082025 .
## age_7cat75+ -6.1841 3.7682 -1.641 0.100864
## econ_saving$1,000,000 or more 7.4597 0.8141 9.163 < 2e-16 ***
## econ_saving$100,000 - $249,999 0.3518 0.6874 0.512 0.608905
## econ_saving$250,000 - $499,999 0.7123 0.7794 0.914 0.360825
## econ_saving$50,000 - $99,999 -0.4954 0.7120 -0.696 0.486664
## econ_saving$500,000 - $999,999 2.6836 0.7886 3.403 0.000675 ***
## econ_savingNot sure 0.9994 1.1830 0.845 0.398278
## econ_savingRefused 1.8504 1.3261 1.395 0.163014
## econ_savingUnder $50,000 -2.1154 0.5453 -3.879 0.000107 ***
## econ_inc_4cat$25,000-$49,999 -3.9381 0.6198 -6.353 2.41e-10 ***
## econ_inc_4cat$50,000-$99,999 -2.2019 0.4920 -4.476 7.89e-06 ***
## econ_inc_4catLess than $25,000 -3.4722 0.6289 -5.521 3.64e-08 ***
## econ_inc_4catRefused -1.2055 2.1061 -0.572 0.567102
## econ_fin_okRefused 13.7490 5.9901 2.295 0.021782 *
## econ_fin_okYes 10.6247 0.6095 17.432 < 2e-16 ***
## econ_pay_exp400Refused 3.7674 2.5734 1.464 0.143299
## econ_pay_exp400Yes 5.7949 0.5137 11.281 < 2e-16 ***
## econ_skip_medRefused -0.2819 2.4809 -0.114 0.909526
## econ_skip_medYes -6.3463 0.5611 -11.310 < 2e-16 ***
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 10.31 on 3172 degrees of freedom
## Multiple R-squared: 0.4717, Adjusted R-squared: 0.4675
## F-statistic: 113.3 on 25 and 3172 DF, p-value: < 2.2e-16manual mapping
# Step: manual forwards regression
# cfpb_score ~ econ_saving + econ_fin_ok + econ_pay_exp400 + econ_skip_med + edu + credit_guess
fed_result_c3 <-lm(cfpb_score ~ econ_saving + econ_fin_ok + econ_pay_exp400 +
econ_skip_med + edu + credit_guess,
data=fed_training)
summary(fed_result_c3)##
## Call:
## lm(formula = cfpb_score ~ econ_saving + econ_fin_ok + econ_pay_exp400 +
## econ_skip_med + edu + credit_guess, data = fed_training)
##
## Residuals:
## Min 1Q Median 3Q Max
## -28.337 -7.279 -0.793 6.659 37.651
##
## Coefficients: (1 not defined because of singularities)
## Estimate Std. Error t value Pr(>|t|)
## (Intercept) 44.5006 0.9434 47.168 < 2e-16 ***
## econ_saving$1,000,000 or more 8.8126 1.5653 5.630 1.96e-08 ***
## econ_saving$100,000 - $249,999 -0.2800 1.5225 -0.184 0.8541
## econ_saving$250,000 - $499,999 0.4951 1.5648 0.316 0.7517
## econ_saving$50,000 - $99,999 -1.1397 1.5365 -0.742 0.4583
## econ_saving$500,000 - $999,999 2.8556 1.5734 1.815 0.0696 .
## econ_savingNot sure -1.0444 1.8120 -0.576 0.5644
## econ_savingRefused 2.3940 1.9136 1.251 0.2110
## econ_savingUnder $50,000 -3.2763 1.4041 -2.333 0.0197 *
## econ_fin_okRefused 14.6931 6.2313 2.358 0.0184 *
## econ_fin_okYes 11.4066 0.6213 18.358 < 2e-16 ***
## econ_pay_exp400Refused 4.0784 2.6479 1.540 0.1236
## econ_pay_exp400Yes 6.8075 0.5277 12.901 < 2e-16 ***
## econ_skip_medRefused -0.7970 2.5564 -0.312 0.7552
## econ_skip_medYes -6.8386 0.5747 -11.898 < 2e-16 ***
## eduBachelor\u0092s degree 0.8661 0.7670 1.129 0.2589
## eduCertificate or technical de... 0.4360 1.0402 0.419 0.6751
## eduDoctoral Degree 2.4255 1.4170 1.712 0.0871 .
## eduHigh school degree or GED 1.5597 0.7981 1.954 0.0508 .
## eduLess than high school degree 4.9889 1.1895 4.194 2.82e-05 ***
## eduMaster\u0092s degree 1.0351 0.8563 1.209 0.2268
## eduProfessional degree (e.g. M... 1.7614 1.0514 1.675 0.0940 .
## eduSome college but no degree ... 1.2870 0.7940 1.621 0.1051
## credit_guessDon\u0092t know 1.9114 1.6359 1.168 0.2427
## credit_guessExcellent 2.0365 1.4051 1.449 0.1473
## credit_guessFair -0.3325 1.5079 -0.220 0.8255
## credit_guessGood -0.7174 1.4146 -0.507 0.6121
## credit_guessPoor -0.5482 1.6988 -0.323 0.7470
## credit_guessRefused -1.3640 2.7942 -0.488 0.6255
## credit_guessVery poor NA NA NA NA
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 10.59 on 3169 degrees of freedom
## Multiple R-squared: 0.4429, Adjusted R-squared: 0.4379
## F-statistic: 89.96 on 28 and 3169 DF, p-value: < 2.2e-16# Step: AIC=15103.63
# cfpb_score ~ age + econ_saving + econ_inc_4cat + econ_fin_ok +
# econ_pay_exp400 + econ_skip_med
fed_result_c2 <-lm(cfpb_score ~ age + econ_saving + econ_inc_4cat + econ_fin_ok +
econ_pay_exp400 + econ_skip_med,
data=fed_training)
summary(fed_result_c2)##
## Call:
## lm(formula = cfpb_score ~ age + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med, data = fed_training)
##
## Residuals:
## Min 1Q Median 3Q Max
## -29.690 -7.036 -0.661 6.579 33.128
##
## Coefficients:
## Estimate Std. Error t value Pr(>|t|)
## (Intercept) 42.24250 0.92746 45.547 < 2e-16 ***
## age 0.11636 0.01135 10.251 < 2e-16 ***
## econ_saving$1,000,000 or more 7.94370 0.82326 9.649 < 2e-16 ***
## econ_saving$100,000 - $249,999 0.19563 0.69645 0.281 0.778806
## econ_saving$250,000 - $499,999 0.56948 0.79016 0.721 0.471139
## econ_saving$50,000 - $99,999 -0.67038 0.72123 -0.929 0.352704
## econ_saving$500,000 - $999,999 2.45620 0.79929 3.073 0.002137 **
## econ_savingNot sure 1.16938 1.19723 0.977 0.328771
## econ_savingRefused 2.14557 1.34450 1.596 0.110629
## econ_savingUnder $50,000 -2.28532 0.55096 -4.148 3.44e-05 ***
## econ_inc_4cat$25,000-$49,999 -2.65575 0.61103 -4.346 1.43e-05 ***
## econ_inc_4cat$50,000-$99,999 -1.41039 0.49118 -2.871 0.004113 **
## econ_inc_4catLess than $25,000 -2.25956 0.60864 -3.712 0.000209 ***
## econ_inc_4catRefused -0.82048 2.13382 -0.385 0.700624
## econ_fin_okRefused 14.55521 6.07350 2.397 0.016610 *
## econ_fin_okYes 11.17872 0.61475 18.184 < 2e-16 ***
## econ_pay_exp400Refused 3.74466 2.60910 1.435 0.151321
## econ_pay_exp400Yes 6.03194 0.51929 11.616 < 2e-16 ***
## econ_skip_medRefused -1.05922 2.51352 -0.421 0.673483
## econ_skip_medYes -6.48279 0.56848 -11.404 < 2e-16 ***
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 10.45 on 3178 degrees of freedom
## Multiple R-squared: 0.4554, Adjusted R-squared: 0.4521
## F-statistic: 139.8 on 19 and 3178 DF, p-value: < 2.2e-16# Step: AIC=15103.63
# cfpb_score ~ age_7cat + econ_saving + econ_inc_4cat + econ_fin_ok +
# econ_pay_exp400 + econ_skip_med
fed_result_c2 <-lm(cfpb_score ~ age_7cat + econ_saving + econ_inc_4cat + econ_fin_ok +
econ_pay_exp400 + econ_skip_med,
data=fed_training)
summary(fed_result_c2)##
## Call:
## lm(formula = cfpb_score ~ age_7cat + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med, data = fed_training)
##
## Residuals:
## Min 1Q Median 3Q Max
## -31.492 -7.048 -0.884 6.622 33.295
##
## Coefficients:
## Estimate Std. Error t value Pr(>|t|)
## (Intercept) 48.57201 1.15356 42.106 < 2e-16 ***
## age_7cat25-34 -0.48992 0.91113 -0.538 0.590818
## age_7cat35-44 -1.91163 0.96095 -1.989 0.046752 *
## age_7cat45-54 -1.42865 0.96458 -1.481 0.138675
## age_7cat55-64 -0.51103 0.91437 -0.559 0.576278
## age_7cat65-74 4.48824 0.93112 4.820 1.50e-06 ***
## age_7cat75+ 5.92181 1.01779 5.818 6.54e-09 ***
## econ_saving$1,000,000 or more 7.52190 0.81516 9.228 < 2e-16 ***
## econ_saving$100,000 - $249,999 0.41100 0.68829 0.597 0.550464
## econ_saving$250,000 - $499,999 0.77825 0.78036 0.997 0.318701
## econ_saving$50,000 - $99,999 -0.47479 0.71315 -0.666 0.505613
## econ_saving$500,000 - $999,999 2.73706 0.78971 3.466 0.000535 ***
## econ_savingNot sure 0.92435 1.18467 0.780 0.435293
## econ_savingRefused 1.97449 1.32770 1.487 0.137076
## econ_savingUnder $50,000 -2.06618 0.54595 -3.785 0.000157 ***
## econ_inc_4cat$25,000-$49,999 -3.83967 0.62012 -6.192 6.71e-10 ***
## econ_inc_4cat$50,000-$99,999 -2.18158 0.49271 -4.428 9.85e-06 ***
## econ_inc_4catLess than $25,000 -3.42965 0.62976 -5.446 5.55e-08 ***
## econ_inc_4catRefused -1.24971 2.10945 -0.592 0.553603
## econ_fin_okRefused 13.74098 5.99966 2.290 0.022070 *
## econ_fin_okYes 10.61370 0.61044 17.387 < 2e-16 ***
## econ_pay_exp400Refused 3.56996 2.57682 1.385 0.166023
## econ_pay_exp400Yes 5.88086 0.51384 11.445 < 2e-16 ***
## econ_skip_medRefused -0.07786 2.48411 -0.031 0.974997
## econ_skip_medYes -6.39566 0.56184 -11.383 < 2e-16 ***
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 10.32 on 3173 degrees of freedom
## Multiple R-squared: 0.4698, Adjusted R-squared: 0.4658
## F-statistic: 117.2 on 24 and 3173 DF, p-value: < 2.2e-16final models - CFPB
# Step: AIC=18967.84
# cfpb_score ~ econ_save_rate + house_mortgage + age_8cat + econ_hh_income
cfpb_result_c2 <-lm(cfpb_score ~ econ_save_rate + house_mortgage + age_8cat + econ_hh_income, data=cfpb_training)
summary(cfpb_result_c2)##
## Call:
## lm(formula = cfpb_score ~ econ_save_rate + house_mortgage + age_8cat +
## econ_hh_income, data = cfpb_training)
##
## Residuals:
## Min 1Q Median 3Q Max
## -38.534 -6.603 -0.383 6.314 46.339
##
## Coefficients:
## Estimate Std. Error t value Pr(>|t|)
## (Intercept) 50.6817 3.0470 16.633 < 2e-16 ***
## econ_save_rate0 -9.8122 3.0207 -3.248 0.001173 **
## econ_save_rate$1-99 -8.6496 3.0430 -2.842 0.004505 **
## econ_save_rate$100-999 -4.9671 2.9755 -1.669 0.095151 .
## econ_save_rate$1,000-4,999 -0.9887 2.9652 -0.333 0.738825
## econ_save_rate$5,000-19,999 3.4372 2.9633 1.160 0.246177
## econ_save_rate$20,000-74,999 7.4259 2.9726 2.498 0.012537 *
## econ_save_rate$75,000 or more 10.6404 2.9783 3.573 0.000359 ***
## econ_save_rateI don't know -1.1231 3.1483 -0.357 0.721324
## econ_save_ratePrefer not to say 4.6421 2.9648 1.566 0.117500
## house_mortgageRefused 5.3609 2.0147 2.661 0.007832 **
## house_mortgageLess than $50,000 3.7019 0.6014 6.156 8.42e-10 ***
## house_mortgage$50,000-199,999 0.9071 0.5945 1.526 0.127153
## house_mortgage$200,000 or more 0.3728 0.7606 0.490 0.624098
## house_mortgageI don't know -2.2889 1.4235 -1.608 0.107957
## house_mortgagePrefer not to say 1.1445 0.8165 1.402 0.161096
## age_8cat25-34 -0.3392 0.8974 -0.378 0.705485
## age_8cat35-44 -1.1242 0.9739 -1.154 0.248472
## age_8cat45-54 -1.7680 0.9429 -1.875 0.060884 .
## age_8cat55-61 -1.2082 0.9962 -1.213 0.225297
## age_8cat62-69 2.9795 0.9671 3.081 0.002082 **
## age_8cat70-74 4.4578 1.0842 4.112 4.03e-05 ***
## age_8cat75+ 5.1068 1.0159 5.027 5.26e-07 ***
## econ_hh_income$20,000 to $29,999 -1.5396 0.9356 -1.646 0.099956 .
## econ_hh_income$30,000 to $39,999 0.3107 0.8941 0.347 0.728254
## econ_hh_income$40,000 to $49,999 2.2670 0.9445 2.400 0.016447 *
## econ_hh_income$50,000 to $59,999 2.5946 0.9529 2.723 0.006511 **
## econ_hh_income$60,000 to $74,999 2.5307 0.9028 2.803 0.005093 **
## econ_hh_income$75,000 to $99,999 4.4980 0.8536 5.269 1.46e-07 ***
## econ_hh_income$100,000 to $149,999 5.6143 0.8575 6.548 6.79e-11 ***
## econ_hh_income$150,000 or more 7.2940 0.9060 8.051 1.15e-15 ***
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 10.47 on 3168 degrees of freedom
## Multiple R-squared: 0.4222, Adjusted R-squared: 0.4167
## F-statistic: 77.16 on 30 and 3168 DF, p-value: < 2.2e-16final model - FED
# Step: AIC=15103.63
# cfpb_score ~ age_7cat + econ_saving + econ_inc_4cat + econ_fin_ok +
# econ_pay_exp400 + econ_skip_med
fed_result_c2 <-lm(cfpb_score ~ age_7cat + econ_saving + econ_inc_4cat + econ_fin_ok +
econ_pay_exp400 + econ_skip_med,
data=fed_training)
summary(fed_result_c2)##
## Call:
## lm(formula = cfpb_score ~ age_7cat + econ_saving + econ_inc_4cat +
## econ_fin_ok + econ_pay_exp400 + econ_skip_med, data = fed_training)
##
## Residuals:
## Min 1Q Median 3Q Max
## -31.492 -7.048 -0.884 6.622 33.295
##
## Coefficients:
## Estimate Std. Error t value Pr(>|t|)
## (Intercept) 48.57201 1.15356 42.106 < 2e-16 ***
## age_7cat25-34 -0.48992 0.91113 -0.538 0.590818
## age_7cat35-44 -1.91163 0.96095 -1.989 0.046752 *
## age_7cat45-54 -1.42865 0.96458 -1.481 0.138675
## age_7cat55-64 -0.51103 0.91437 -0.559 0.576278
## age_7cat65-74 4.48824 0.93112 4.820 1.50e-06 ***
## age_7cat75+ 5.92181 1.01779 5.818 6.54e-09 ***
## econ_saving$1,000,000 or more 7.52190 0.81516 9.228 < 2e-16 ***
## econ_saving$100,000 - $249,999 0.41100 0.68829 0.597 0.550464
## econ_saving$250,000 - $499,999 0.77825 0.78036 0.997 0.318701
## econ_saving$50,000 - $99,999 -0.47479 0.71315 -0.666 0.505613
## econ_saving$500,000 - $999,999 2.73706 0.78971 3.466 0.000535 ***
## econ_savingNot sure 0.92435 1.18467 0.780 0.435293
## econ_savingRefused 1.97449 1.32770 1.487 0.137076
## econ_savingUnder $50,000 -2.06618 0.54595 -3.785 0.000157 ***
## econ_inc_4cat$25,000-$49,999 -3.83967 0.62012 -6.192 6.71e-10 ***
## econ_inc_4cat$50,000-$99,999 -2.18158 0.49271 -4.428 9.85e-06 ***
## econ_inc_4catLess than $25,000 -3.42965 0.62976 -5.446 5.55e-08 ***
## econ_inc_4catRefused -1.24971 2.10945 -0.592 0.553603
## econ_fin_okRefused 13.74098 5.99966 2.290 0.022070 *
## econ_fin_okYes 10.61370 0.61044 17.387 < 2e-16 ***
## econ_pay_exp400Refused 3.56996 2.57682 1.385 0.166023
## econ_pay_exp400Yes 5.88086 0.51384 11.445 < 2e-16 ***
## econ_skip_medRefused -0.07786 2.48411 -0.031 0.974997
## econ_skip_medYes -6.39566 0.56184 -11.383 < 2e-16 ***
## ---
## Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1
##
## Residual standard error: 10.32 on 3173 degrees of freedom
## Multiple R-squared: 0.4698, Adjusted R-squared: 0.4658
## F-statistic: 117.2 on 24 and 3173 DF, p-value: < 2.2e-16