The goal of this project is to make a model which will predict a customer's loan status given a number of attributes such as the current loan amount and whether the loan is a long term loan or a short term loan.

Import packages

import pandas as pd
import matplotlib.pyplot as plt
import seaborn as sns
df = pd.read_csv('LoansTrainingSet.csv')
df.head()

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\IPython\core\interactiveshell.py:2698: DtypeWarning: Columns (16) have mixed types. Specify dtype option on import or set low_memory=False.
  interactivity=interactivity, compiler=compiler, result=result)

Check for duplicated rows

df[df.duplicated()==True]

df[df['Loan ID']=='00029f9f-0cc5-4d4e-aabc-ea4a7fe74e12']

no_dup = df.copy()

Remove duplicate rows

no_dup.drop_duplicates(keep = 'first',inplace = True)

no_dup[no_dup['Loan ID']=='00029f9f-0cc5-4d4e-aabc-ea4a7fe74e12']

no_dup[no_dup['Loan ID'].duplicated()==True]

df['Loan Status'].unique()

array(['Fully Paid', 'Charged Off'], dtype=object)

no_dup[no_dup['Loan ID']=='0000afa6-8902-4f8f-b870-25a8fdad0aeb']

no_dup['null_count'] = no_dup.isnull().sum(axis=1)
no_dup = no_dup.sort_values('null_count', ascending=True).drop('null_count', axis=1)

no_dup.head(20)

no_dup.drop_duplicates(subset = 'Loan ID',keep = 'first',inplace = True)

no_dup[no_dup['Loan ID'].duplicated()==True]

Analyze the new dataframe with duplicates removed

no_dup.info()

<class 'pandas.core.frame.DataFrame'>
Int64Index: 215700 entries, 0 to 25243
Data columns (total 19 columns):
Loan ID                         215700 non-null object
Customer ID                     215700 non-null object
Loan Status                     215700 non-null object
Current Loan Amount             215700 non-null int64
Term                            215700 non-null object
Credit Score                    171202 non-null float64
Years in current job            206710 non-null object
Home Ownership                  215700 non-null object
Annual Income                   171202 non-null float64
Purpose                         215700 non-null object
Monthly Debt                    215700 non-null object
Years of Credit History         215700 non-null float64
Months since last delinquent    97438 non-null float64
Number of Open Accounts         215700 non-null int64
Number of Credit Problems       215700 non-null int64
Current Credit Balance          215700 non-null int64
Maximum Open Credit             215700 non-null object
Bankruptcies                    215248 non-null float64
Tax Liens                       215678 non-null float64
dtypes: float64(6), int64(4), object(9)
memory usage: 32.9+ MB

#looking at the null values in my dataframe
no_dup.isnull().sum()

Loan ID                              0
Customer ID                          0
Loan Status                          0
Current Loan Amount                  0
Term                                 0
Credit Score                     44498
Years in current job              8990
Home Ownership                       0
Annual Income                    44498
Purpose                              0
Monthly Debt                         0
Years of Credit History              0
Months since last delinquent    118262
Number of Open Accounts              0
Number of Credit Problems            0
Current Credit Balance               0
Maximum Open Credit                  0
Bankruptcies                       452
Tax Liens                           22
dtype: int64

no_dup.describe()

Fill in missing values

filledScore = no_dup[no_dup['Credit Score'].notnull()]
plt.hist(filledScore['Credit Score'], bins = 50)
plt.show()

df_cleaned =no_dup.copy()
df_cleaned['Credit Score']= no_dup['Credit Score'].fillna(no_dup['Credit Score'].median())

df_cleaned.head()

df_cleaned['Years in current job'].unique()

array(['10+ years', '8 years', '2 years', '3 years', '6 years', '1 year',
       '5 years', '4 years', '7 years', '< 1 year', '9 years', nan],
      dtype=object)

df_cleaned['Years in current job'].mode()

0    10+ years
dtype: object

df_cleaned[df_cleaned['Years in current job'].isnull()==True]

df_cleaned['Null years in current job'] = df_cleaned['Years in current job'].isnull()

df_cleaned.head()

df_cleaned['Years in current job'] = df_cleaned['Years in current job'].fillna('0')

df_cleaned[df_cleaned['Years in current job'].isnull()==True]

df_cleaned.iloc[9]

Loan ID                         7f8fea60-ef3a-409b-84b8-f0f9e501293b
Customer ID                     f3c67c03-d825-451d-a1b1-a3c9ec3757a3
Loan Status                                               Fully Paid
Current Loan Amount                                         99999999
Term                                                      Short Term
Credit Score                                                     745
Years in current job                                         6 years
Home Ownership                                         Home Mortgage
Annual Income                                                  55258
Purpose                                                        other
Monthly Debt                                                 $915.90
Years of Credit History                                           25
Months since last delinquent                                      81
Number of Open Accounts                                            9
Number of Credit Problems                                          0
Current Credit Balance                                         16559
Maximum Open Credit                                            19760
Bankruptcies                                                       0
Tax Liens                                                          0
Null years in current job                                      False
Name: 128242, dtype: object

df_cleaned['Years in current job'][df_cleaned['Years in current job']=='< 1 year']='0'

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\ipykernel_launcher.py:1: SettingWithCopyWarning: 
A value is trying to be set on a copy of a slice from a DataFrame

See the caveats in the documentation: http://pandas.pydata.org/pandas-docs/stable/indexing.html#indexing-view-versus-copy
  """Entry point for launching an IPython kernel.

df_cleaned['Years in current job'].unique()

array(['10+ years', '8 years', '2 years', '3 years', '6 years', '1 year',
       '5 years', '4 years', '7 years', '0', '9 years'], dtype=object)

df_cleaned['Over ten years'] = df_cleaned['Years in current job']==('10+ years')

df_cleaned.head()

df_cleaned['Years in current job'][df_cleaned['Years in current job']=='10+ years']='0'

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\ipykernel_launcher.py:1: SettingWithCopyWarning: 
A value is trying to be set on a copy of a slice from a DataFrame

See the caveats in the documentation: http://pandas.pydata.org/pandas-docs/stable/indexing.html#indexing-view-versus-copy
  """Entry point for launching an IPython kernel.

df_cleaned['Years in current job'].unique()

array(['0', '8 years', '2 years', '3 years', '6 years', '1 year',
       '5 years', '4 years', '7 years', '9 years'], dtype=object)

df_cleaned['Years in current job'] = df_cleaned['Years in current job'].apply(lambda x:x[0])

df_cleaned.head()

df_cleaned['Years in current job']=df_cleaned['Years in current job'].astype(int)

df_cleaned.info()

<class 'pandas.core.frame.DataFrame'>
Int64Index: 215700 entries, 0 to 25243
Data columns (total 21 columns):
Loan ID                         215700 non-null object
Customer ID                     215700 non-null object
Loan Status                     215700 non-null object
Current Loan Amount             215700 non-null int64
Term                            215700 non-null object
Credit Score                    215700 non-null float64
Years in current job            215700 non-null int32
Home Ownership                  215700 non-null object
Annual Income                   171202 non-null float64
Purpose                         215700 non-null object
Monthly Debt                    215700 non-null object
Years of Credit History         215700 non-null float64
Months since last delinquent    97438 non-null float64
Number of Open Accounts         215700 non-null int64
Number of Credit Problems       215700 non-null int64
Current Credit Balance          215700 non-null int64
Maximum Open Credit             215700 non-null object
Bankruptcies                    215248 non-null float64
Tax Liens                       215678 non-null float64
Null years in current job       215700 non-null bool
Over ten years                  215700 non-null bool
dtypes: bool(2), float64(6), int32(1), int64(4), object(8)
memory usage: 32.5+ MB

filledIncome = df_cleaned[df_cleaned['Annual Income'].notnull()]
plt.hist(filledIncome['Annual Income'], bins = 10)
plt.show()

df_cleaned['Annual Income'].median()

62105.0

df_cleaned['Annual Income']= df_cleaned['Annual Income'].fillna(df_cleaned['Annual Income'].median())

df_cleaned['Annual Income'].isnull().sum()

0

df_cleaned['Months since last delinquent'].unique()

array([ 41.,  11.,  13.,  68.,  34.,   5.,  55.,  17.,  14.,  81.,  36.,
        40.,   6.,  12.,  78.,   8.,  18.,  28.,  35.,  16.,  49.,  24.,
        53.,  15.,  63.,  70.,  52.,  43.,  22.,  30.,  29.,  74.,  10.,
         4.,  48.,  67.,   7.,  73.,   3.,  42.,  21.,  31.,  79.,  44.,
        54.,  27.,  61.,  65.,  25.,  19.,  80.,  57.,  51.,  32.,  75.,
        62.,   2.,  23.,  64.,  37.,  26.,  66.,  59.,  82.,  46.,   9.,
        20.,  76.,  58.,  47.,  60.,  56.,  45.,  71.,  77., 115.,  50.,
        39.,  69.,  33.,  72.,  38.,   1.,   0.,  85.,  89.,  96.,  83.,
       140.,  91., 114., 143.,  94.,  95.,  86.,  88.,  84.,  98., 135.,
       100.,  97.,  93.,  99., 130., 106.,  87., 122.,  92., 101., 152.,
       139., 148., 109., 134., 113., 131., 119., 133., 110., 120.,  90.,
       102., 151., 176., 149., 116., 104., 107.,  nan, 118., 112., 108.])

filledMon = df_cleaned[df_cleaned['Months since last delinquent'].notnull()]
plt.hist(filledMon['Months since last delinquent'], bins = 100)
plt.show()

df_cleaned['Months since last delinquent'].median()

32.0

df_cleaned['Months since last delinquent']=df_cleaned['Months since last delinquent'].fillna(32.0)
#seperate column for null

df_cleaned['Bankruptcies'].unique()

array([ 0.,  1.,  3.,  2.,  4.,  5.,  7.,  6., nan])

filledBank = df_cleaned[df_cleaned['Bankruptcies'].notnull()]
plt.hist(filledBank['Bankruptcies'], bins = 10)
plt.show()

df_cleaned['Bankruptcies'].median()

0.0

df_cleaned['Bankruptcies'] = df_cleaned['Bankruptcies'].fillna(0.0)

df_cleaned.head()

df_cleaned['Bankruptcies'].isnull().sum()

0

df_cleaned['Tax Liens'].unique()

array([ 0.,  2.,  1.,  3.,  5.,  4.,  9.,  6.,  7.,  8., 10., 11., nan])

filledLiens = df_cleaned[df_cleaned['Tax Liens'].notnull()]
plt.hist(filledLiens['Tax Liens'], bins = 10)
plt.show()

df_cleaned['Tax Liens'] = df_cleaned['Tax Liens'].fillna(df_cleaned['Tax Liens'].median())

df_cleaned.head()

Double check to make sure that there are no more missing values

df_cleaned.isnull().sum()

Loan ID                         0
Customer ID                     0
Loan Status                     0
Current Loan Amount             0
Term                            0
Credit Score                    0
Years in current job            0
Home Ownership                  0
Annual Income                   0
Purpose                         0
Monthly Debt                    0
Years of Credit History         0
Months since last delinquent    0
Number of Open Accounts         0
Number of Credit Problems       0
Current Credit Balance          0
Maximum Open Credit             0
Bankruptcies                    0
Tax Liens                       0
Null years in current job       0
Over ten years                  0
dtype: int64

Analye the unique values of each column to check for spelling mistakes and other mistakes that might affect the model

for item in df_cleaned.columns:
    print(item + ' '+ df[item].dtype.kind)
    print(df_cleaned[item].unique())

Loan ID O
['000025bb-5694-4cff-b17d-192b1a98ba44'
 '7f99634c-cc18-4667-92b4-b9e887b7c296'
 '7f99378c-b36e-4711-9af2-33c7239c00e7' ...
 '7f78cf95-560e-4c5a-9363-badced6777fa'
 '818f9bb4-15a4-4c64-a18f-eb403a20bb74'
 '193d7f29-89f9-4c59-9e44-c1ca8ea36209']
Customer ID O
['5ebc8bb1-5eb9-4404-b11b-a6eebc401a19'
 'e52aac79-e3f0-44cf-b538-539c0a01c849'
 '32bdbd23-ca78-4c14-a0da-afc2a4e7a33a' ...
 '76dcd93e-3fa8-4af3-a975-c32eca83059e'
 'f3bf0af3-2746-4419-bed1-dbc488eef769'
 '3b462912-a081-4407-a1b1-3553a29bb974']
Loan Status O
['Fully Paid' 'Charged Off']
Current Loan Amount i
[   11520     7055 99999999 ...    20512     1089     2216]
Term O
['Short Term' 'Long Term']
Credit Score f
[ 741.  742.  694.  743.  750. 7400.  717. 6910.  740.  745.  731.  732.
  687.  689.  716.  736.  724.  690.  734.  680.  723.  726. 7410.  692.
  730.  739.  703. 7500.  735.  662.  747.  722.  713.  738.  659.  711.
  658.  702.  696.  718.  681.  709.  720.  728.  729.  695.  733.  708.
  748.  697.  626.  701.  725.  700.  649.  698.  714.  712.  749.  746.
  707.  634.  710.  627.  744. 6890.  668.  652.  706.  640.  751.  737.
  647.  721.  715. 7270.  633.  641. 7260.  705.  686.  727.  671.  675.
  663.  699.  693.  679.  664. 6700.  644.  666.  676. 7080.  669.  684.
  665. 7150.  645.  691.  683.  719.  660. 7430. 6960.  667. 7240.  639.
  704.  597. 7300. 7210. 6800.  638.  688. 7420.  651.  656.  620. 6990.
 7330.  643. 7450.  677.  590.  661. 7360.  630. 6920. 7130.  685.  608.
  674.  648.  673. 7040.  617.  625. 7010. 7470. 6660. 7370.  678.  618.
  637. 7280. 6650.  607.  655.  602.  682.  654.  599. 6300.  603. 6740.
 6980. 7250. 7390.  610. 7380. 7140.  670. 6480.  646. 5960.  672. 6860.
 7440.  636. 7290.  600.  657.  624. 7070. 7350. 7310. 6940. 6540. 6830.
 6080. 6470. 6770. 7020. 7320.  635.  585.  596.  621.  611. 7090. 6580.
  605.  632. 6350. 6930. 7000.  586. 7100. 6790. 6750. 7170. 6870. 6780.
 7480. 5920. 6730. 6710.  653. 7340. 6490.  629. 7120. 7220.  650. 7180.
  615. 7200.  642.  619. 6970. 6950. 6070. 7460.  623.  622.  614.  631.
  595. 6760. 6430.  616. 7060. 7190. 7110. 7050. 6280.  612.  589. 6570.
 7230.  592. 6250. 6810. 6230. 6560. 7160. 6610.  628. 6690. 6320. 6220.
 6240.  606. 6270. 6820. 6850. 6510.  588. 6340.  613.  604. 6460. 6550.
  601. 6590. 7490. 6880. 6840. 5970. 6160.  587. 7510. 5910. 6630. 6020.
 6900. 6400.  594. 6190.  609. 6410. 6420. 6720.  591. 6450. 6680. 6370.
 6600. 6010. 6380.  598. 6360. 6090. 7030. 6670. 6390. 5990. 6030. 6290.
 6330. 6180. 6110. 6200. 6500. 6620. 5930.  593. 6440. 6150. 6520. 6100.
 6060. 6530. 5980. 6170. 6260. 6210. 5950. 6050. 6310. 6640. 5870. 5890.
 6130. 6140. 6000. 5850. 5940. 5900. 5860. 6040. 6120. 5880.]
Years in current job O
[0 8 2 3 6 1 5 4 7 9]
Home Ownership O
['Home Mortgage' 'Rent' 'Own Home' 'HaveMortgage']
Annual Income f
[ 33694.  90711. 110549. ...  42653.  45661. 144275.]
Purpose O
['Debt Consolidation' 'other' 'Other' 'Take a Trip' 'Business Loan'
 'Home Improvements' 'Medical Bills' 'Buy House' 'Buy a Car'
 'Educational Expenses']
Monthly Debt O
['$584.03' '$1,322.87 ' '$1,824.06 ' ... '$1,166.91 ' '$254.19' '$166.00']
Years of Credit History f
[12.3 31.9 21.6 16.5 13.8 12.9 22.4 13.1 29.  25.  26.9 20.8 18.4 23.9
  9.5 13.3 32.5 38.5 14.4 19.8 15.  15.7 23.3 14.5 13.7 19.9 19.2 23.8
 22.3 11.3 12.  12.5 21.5 11.9 20.1 22.8 22.5 28.6 18.2 15.4 17.2 14.7
 43.3 31.1 18.1 18.8 15.1 16.9 12.2 26.6 40.7 17.  28.  13.9 12.6 21.
 13.  17.1  7.5 16.  20.2 12.4 13.2 13.5 21.8 17.7 14.9 32.4 14.  19.
 29.1 20.3 22.1 17.5 22.6 11.6  9.4 10.4 24.2 14.6 16.7 28.7 25.7 16.8
 23.  15.6 26.2 23.5 20.5 22.  25.9 34.4 12.8 14.8 26.   8.  21.3 10.3
 20.   9.  19.1 16.6 19.4 15.5 17.9 42.8 30.  11.2 17.4 20.6 21.4 21.9
 10.8 24.  27.  14.1 19.6 19.5 18.  29.8 31.8 15.2 19.3 21.2 11.  17.3
 20.7 26.8 25.3 23.2 26.3 14.3 30.1 15.3 33.6 16.2 11.5 18.7 18.6 25.4
 17.8 23.7 24.5 15.9 30.3 18.9 26.4 27.5 19.7 12.1 10.6 21.1 18.5 34.9
 29.2 20.4 31.  16.3 23.4 32.7 21.7 29.6 32.2 10.5  9.8 30.4 22.2 30.8
 27.2 27.6 31.4 18.3  8.9 10.  26.7 14.2 22.9 24.9 29.9 36.4 23.6 32.
 27.4 17.6 11.7 22.7 16.4 28.4 23.1 25.2  6.7 30.9  8.3 29.5  9.2 16.1
 42.5  9.3  8.2 37.  24.7 28.5 33.9 44.5 11.4 27.3 39.1 33.8 12.7 34.6
 33.5 28.8 10.7 11.8 35.  13.4 27.1 10.9 28.3 24.1 35.5 26.1 36.5 24.4
 30.6 39.  41.9 30.2 25.8 33.  25.5 28.9  7.2 35.4 29.3 31.7 24.8 29.7
  6.9 31.6 10.2  9.1 35.6  7.7 38.3 20.9 43.9  5.4  7.3 24.6 42.  53.5
  8.5 13.6 34.5 33.4 15.8 38.4 33.1 35.9 37.2 37.7  5.  11.1  6.  26.5
 31.5 30.5 38.2  9.6  7.6 42.1 48.2  8.4 35.1 31.3  9.9 24.3  5.8 32.8
 25.1 25.6 28.1 27.7 32.9 36.  38.7 34.3 39.2  8.7 37.3  9.7 38.1 28.2
 36.3 32.1 32.3 44.6 27.9 70.5 10.1 29.4 37.1 34.1 37.6  5.7 33.7 39.5
 41.6 54.2 30.7  8.1 41.3 31.2 46.8 45.1 40.1 39.4 32.6 33.2 27.8 50.9
 34.2  6.3 40.  36.6 49.2 34.7 37.5 47.5 34.  38.6 37.8 36.2  8.6 41.
 33.3  8.8 41.1  5.5 38.   7.1  6.2 39.3 51.7 35.8 46.4  7.4 35.2 41.8
 40.6 35.3  7.  42.3 36.1 40.5 44.4  7.9 34.8 43.4 45.2 36.8 40.2 37.9
 44.9  6.8 36.7  6.4 38.8 48.7 39.6 50.2  5.9 46.3 47.6 41.5  4.6 41.4
 40.4 49.  41.7  4.7 39.8 37.4 39.9 44.1 43.7 41.2 45.5 47.3  4.5 48.
 44.8 48.9 49.1 45.9 36.9 38.9  6.6 43.1 47.4  5.1  6.1 53.4 39.7 42.4
 50.8  4.8 50.7 40.8 46.1 43.6 47.7 44.2 42.6 46.5 42.7 46.7 49.9 43.2
  5.6 50.  42.2 44.7 55.4  5.3 49.5 47.9  6.5 48.3  7.8 40.9 45.  46.2
 48.1 51.  40.3 46.6 43.  47.1 43.8 43.5 51.8 48.5 45.3 44.3 46.  44.
 35.7 51.4 49.3 58.8 47.  50.3  4.9 50.5  4.2 55.8 48.8 52.5 61.7 42.9
 55.7  5.2 52.2 48.4 53.1 46.9 51.1 53.6  4.1 45.8 47.2 49.7 59.1 51.9
 54.1 49.4 56.8 54.  52.6 55.5 55.6 51.6 45.6 50.1  4.4 48.6 49.8 52.3
 60.5 50.6 45.4 45.7 49.6 54.5 53.9  4.3 53.   4.  51.3 52.9  3.9 60.7
 51.5  3.8 57.8  3.7 57.6 54.6 59.7 56.9 66.   3.4 50.4 56.1 57.5 59.9
 54.3 57.7 55.  47.8 61.5 61.3 57.1 56.  53.8 62.5 52.4 53.7 65.8 54.7
 55.3 64.6 65.  58.  52.1 56.5 52.8 61.8 57. ]
Months since last delinquent f
[ 41.  11.  13.  68.  34.   5.  55.  17.  14.  81.  36.  40.   6.  12.
  78.   8.  18.  28.  35.  16.  49.  24.  53.  15.  63.  70.  52.  43.
  22.  30.  29.  74.  10.   4.  48.  67.   7.  73.   3.  42.  21.  31.
  79.  44.  54.  27.  61.  65.  25.  19.  80.  57.  51.  32.  75.  62.
   2.  23.  64.  37.  26.  66.  59.  82.  46.   9.  20.  76.  58.  47.
  60.  56.  45.  71.  77. 115.  50.  39.  69.  33.  72.  38.   1.   0.
  85.  89.  96.  83. 140.  91. 114. 143.  94.  95.  86.  88.  84.  98.
 135. 100.  97.  93.  99. 130. 106.  87. 122.  92. 101. 152. 139. 148.
 109. 134. 113. 131. 119. 133. 110. 120.  90. 102. 151. 176. 149. 116.
 104. 107. 118. 112. 108.]
Number of Open Accounts i
[10 21 18  6 11 12  9 13 20  8  4 14  5  7 15 16 32 17 33 22 19  3 26  2
 24 36 28 37 25 31 34 23 27 29 30 55 35 38 39 40 42 41  0 44 43 46 45  1
 51 50 47 53 48 56 54 52 76 49 58]
Number of Credit Problems i
[ 0  1  2  3  5  4  9  8  6  7 10 11]
Current Credit Balance i
[ 6760 18290 40907 ... 33838 34838 40652]
Maximum Open Credit O
[16056 19752 52513 ... '25287' 61791 82022]
Bankruptcies f
[0. 1. 3. 2. 4. 5. 7. 6.]
Tax Liens f
[ 0.  2.  1.  3.  5.  4.  9.  6.  7.  8. 10. 11.]

---------------------------------------------------------------------------
KeyError                                  Traceback (most recent call last)
C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\pandas\core\indexes\base.py in get_loc(self, key, method, tolerance)
   3062             try:
-> 3063                 return self._engine.get_loc(key)
   3064             except KeyError:

pandas\_libs\index.pyx in pandas._libs.index.IndexEngine.get_loc()

pandas\_libs\index.pyx in pandas._libs.index.IndexEngine.get_loc()

pandas\_libs\hashtable_class_helper.pxi in pandas._libs.hashtable.PyObjectHashTable.get_item()

pandas\_libs\hashtable_class_helper.pxi in pandas._libs.hashtable.PyObjectHashTable.get_item()

KeyError: 'Null years in current job'

During handling of the above exception, another exception occurred:

KeyError                                  Traceback (most recent call last)
<ipython-input-59-0a4322840b28> in <module>()
      1 for item in df_cleaned.columns:
----> 2     print(item + ' '+ df[item].dtype.kind)
      3     print(df_cleaned[item].unique())

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\pandas\core\frame.py in __getitem__(self, key)
   2683             return self._getitem_multilevel(key)
   2684         else:
-> 2685             return self._getitem_column(key)
   2686 
   2687     def _getitem_column(self, key):

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\pandas\core\frame.py in _getitem_column(self, key)
   2690         # get column
   2691         if self.columns.is_unique:
-> 2692             return self._get_item_cache(key)
   2693 
   2694         # duplicate columns & possible reduce dimensionality

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\pandas\core\generic.py in _get_item_cache(self, item)
   2484         res = cache.get(item)
   2485         if res is None:
-> 2486             values = self._data.get(item)
   2487             res = self._box_item_values(item, values)
   2488             cache[item] = res

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\pandas\core\internals.py in get(self, item, fastpath)
   4113 
   4114             if not isna(item):
-> 4115                 loc = self.items.get_loc(item)
   4116             else:
   4117                 indexer = np.arange(len(self.items))[isna(self.items)]

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\pandas\core\indexes\base.py in get_loc(self, key, method, tolerance)
   3063                 return self._engine.get_loc(key)
   3064             except KeyError:
-> 3065                 return self._engine.get_loc(self._maybe_cast_indexer(key))
   3066 
   3067         indexer = self.get_indexer([key], method=method, tolerance=tolerance)

pandas\_libs\index.pyx in pandas._libs.index.IndexEngine.get_loc()

pandas\_libs\index.pyx in pandas._libs.index.IndexEngine.get_loc()

pandas\_libs\hashtable_class_helper.pxi in pandas._libs.hashtable.PyObjectHashTable.get_item()

pandas\_libs\hashtable_class_helper.pxi in pandas._libs.hashtable.PyObjectHashTable.get_item()

KeyError: 'Null years in current job'

Fix spelling errors in the dataset

df_cleaned['Home Ownership'][df_cleaned['Home Ownership']=='HaveMortgage']='Home Mortgage'

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\ipykernel_launcher.py:1: SettingWithCopyWarning: 
A value is trying to be set on a copy of a slice from a DataFrame

See the caveats in the documentation: http://pandas.pydata.org/pandas-docs/stable/indexing.html#indexing-view-versus-copy
  """Entry point for launching an IPython kernel.

df_cleaned['Purpose'][df_cleaned['Purpose']=='other']='Other'

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\ipykernel_launcher.py:1: SettingWithCopyWarning: 
A value is trying to be set on a copy of a slice from a DataFrame

See the caveats in the documentation: http://pandas.pydata.org/pandas-docs/stable/indexing.html#indexing-view-versus-copy
  """Entry point for launching an IPython kernel.

df_cleaned['Purpose'].unique()

array(['Debt Consolidation', 'Other', 'Take a Trip', 'Business Loan',
       'Home Improvements', 'Medical Bills', 'Buy House', 'Buy a Car',
       'Educational Expenses'], dtype=object)

Convert the "Monthly Debt" column into numerical form

df_cleaned['Monthly Debt'].head()

0            $584.03
128265    $1,322.87 
128263    $1,824.06 
128259       $506.18
128256       $556.55
Name: Monthly Debt, dtype: object

df_cleaned['Monthly Debt'] = df_cleaned['Monthly Debt'].apply(lambda x:x[x.find('$')+1:])

df_cleaned['Monthly Debt']=df_cleaned['Monthly Debt'].str.replace(',','')

df_cleaned['Monthly Debt']=df_cleaned[['Monthly Debt']].astype(float)

Check the data types of each column

df_cleaned.info()

<class 'pandas.core.frame.DataFrame'>
Int64Index: 215700 entries, 0 to 25243
Data columns (total 21 columns):
Loan ID                         215700 non-null object
Customer ID                     215700 non-null object
Loan Status                     215700 non-null object
Current Loan Amount             215700 non-null int64
Term                            215700 non-null object
Credit Score                    215700 non-null float64
Years in current job            215700 non-null int32
Home Ownership                  215700 non-null object
Annual Income                   215700 non-null float64
Purpose                         215700 non-null object
Monthly Debt                    215700 non-null float64
Years of Credit History         215700 non-null float64
Months since last delinquent    215700 non-null float64
Number of Open Accounts         215700 non-null int64
Number of Credit Problems       215700 non-null int64
Current Credit Balance          215700 non-null int64
Maximum Open Credit             215700 non-null object
Bankruptcies                    215700 non-null float64
Tax Liens                       215700 non-null float64
Null years in current job       215700 non-null bool
Over ten years                  215700 non-null bool
dtypes: bool(2), float64(7), int32(1), int64(4), object(7)
memory usage: 32.5+ MB

Look for the values in "Maximum Open Credit" that cannot be converted to floats

df_cleaned['Maximum Open Credit'][df_cleaned['Maximum Open Credit']=='#VALUE!']

184663    #VALUE!
187513    #VALUE!
Name: Maximum Open Credit, dtype: object

Drop the two rows with "#VALUE!" in its "Maximum Open Credit" column

df_cleaned.drop(184663,axis = 0, inplace = True)

df_cleaned.iloc[184663]

Loan ID                         191696df-dfb3-4059-9bbe-bb803e08af16
Customer ID                     c736d42a-a2a5-419d-824b-f4a1ceddd2b1
Loan Status                                               Fully Paid
Current Loan Amount                                            18484
Term                                                      Short Term
Credit Score                                                     720
Years in current job                                               0
Home Ownership                                         Home Mortgage
Annual Income                                                  46149
Purpose                                           Debt Consolidation
Monthly Debt                                                 1126.81
Years of Credit History                                         21.5
Months since last delinquent                                      32
Number of Open Accounts                                           12
Number of Credit Problems                                          0
Current Credit Balance                                         21871
Maximum Open Credit                                            23168
Bankruptcies                                                       0
Tax Liens                                                          0
Null years in current job                                       True
Over ten years                                                 False
Name: 25090, dtype: object

df_cleaned['Maximum Open Credit'][df_cleaned['Maximum Open Credit']=='#VALUE!']

187513    #VALUE!
Name: Maximum Open Credit, dtype: object

df_cleaned.drop(187513,axis = 0, inplace = True)

df_cleaned['Maximum Open Credit']=df_cleaned['Maximum Open Credit'].astype(int)

#check for giant numbers
df_cleaned.describe()

Split my dataset into a dataset for the independent variables and a dataset for the dependent variables

x = df_cleaned.drop('Loan Status', axis = 1)
y = pd.get_dummies(df_cleaned['Loan Status'], drop_first = True)

x.head()

x.drop('Loan ID', axis = 1, inplace = True)
x.drop('Customer ID', axis = 1, inplace = True)

X = pd.get_dummies(x, drop_first = True)

X.info()

<class 'pandas.core.frame.DataFrame'>
Int64Index: 215698 entries, 0 to 25243
Data columns (total 26 columns):
Current Loan Amount             215698 non-null int64
Credit Score                    215698 non-null float64
Years in current job            215698 non-null int32
Annual Income                   215698 non-null float64
Monthly Debt                    215698 non-null float64
Years of Credit History         215698 non-null float64
Months since last delinquent    215698 non-null float64
Number of Open Accounts         215698 non-null int64
Number of Credit Problems       215698 non-null int64
Current Credit Balance          215698 non-null int64
Maximum Open Credit             215698 non-null int32
Bankruptcies                    215698 non-null float64
Tax Liens                       215698 non-null float64
Null years in current job       215698 non-null bool
Over ten years                  215698 non-null bool
Term_Short Term                 215698 non-null uint8
Home Ownership_Own Home         215698 non-null uint8
Home Ownership_Rent             215698 non-null uint8
Purpose_Buy House               215698 non-null uint8
Purpose_Buy a Car               215698 non-null uint8
Purpose_Debt Consolidation      215698 non-null uint8
Purpose_Educational Expenses    215698 non-null uint8
Purpose_Home Improvements       215698 non-null uint8
Purpose_Medical Bills           215698 non-null uint8
Purpose_Other                   215698 non-null uint8
Purpose_Take a Trip             215698 non-null uint8
dtypes: bool(2), float64(7), int32(2), int64(4), uint8(11)
memory usage: 24.1 MB

y.head()

Train random forest classifier, gradient boosting classifier, logistic regression, and k-nearest neighbors classifier models

from sklearn.model_selection import train_test_split
X_train, X_test, y_train, y_test = train_test_split(X,y,train_size = 0.8, random_state = 0)

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\sklearn\model_selection\_split.py:2026: FutureWarning: From version 0.21, test_size will always complement train_size unless both are specified.
  FutureWarning)

from sklearn.ensemble import RandomForestClassifier
rfc = RandomForestClassifier(n_estimators = 20)
rfc=rfc.fit(X_train,y_train)

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\ipykernel_launcher.py:3: DataConversionWarning: A column-vector y was passed when a 1d array was expected. Please change the shape of y to (n_samples,), for example using ravel().
  This is separate from the ipykernel package so we can avoid doing imports until

from sklearn.ensemble import GradientBoostingClassifier
gbc = GradientBoostingClassifier(n_estimators=50,learning_rate=.1)
model_gbc = gbc.fit(X_train,y_train)

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\sklearn\utils\validation.py:578: DataConversionWarning: A column-vector y was passed when a 1d array was expected. Please change the shape of y to (n_samples, ), for example using ravel().
  y = column_or_1d(y, warn=True)

from sklearn.linear_model import LogisticRegression
lr = LogisticRegression()
logmodel = lr.fit(X_train,y_train)

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\sklearn\utils\validation.py:578: DataConversionWarning: A column-vector y was passed when a 1d array was expected. Please change the shape of y to (n_samples, ), for example using ravel().
  y = column_or_1d(y, warn=True)

from sklearn.preprocessing import StandardScaler
from sklearn.neighbors import KNeighborsClassifier
scaler = StandardScaler()
data_scaled = scaler.fit_transform(X_train)
neigh = KNeighborsClassifier(n_neighbors = 21)
model = neigh.fit(data_scaled,y_train)

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\ipykernel_launcher.py:6: DataConversionWarning: A column-vector y was passed when a 1d array was expected. Please change the shape of y to (n_samples, ), for example using ravel().

rfc_pred = rfc.predict(X_test)
gbc_pred = model_gbc.predict(X_test)
log_pred = logmodel.predict(X_test)
test_scaled = scaler.transform(X_test)
k_pred = model.predict(test_scaled)

from sklearn.metrics import accuracy_score, f1_score, recall_score, precision_score

Examine the accuracy, f1, recall, and precision scores of each model

pred_list = [rfc_pred,gbc_pred,log_pred,k_pred]
for i in range(4):
    print(i)
    print(accuracy_score(y_test,pred_list[i]))
    print(f1_score(y_test,pred_list[i]))
    print(recall_score(y_test,pred_list[i]))
    print(precision_score(y_test,pred_list[i]))

0
0.8512517385257302
0.9140423023857045
0.9676120249574589
0.8660929606782931
1
0.856583217431618
0.918993937965618
0.9953204764605785
0.8535398983388865
2
0.8530366249420491
0.917407050363461
0.9986103233125354
0.8484169437617464
3
0.8543347241539174
0.9177788245145758
0.9946681792399319
0.8519238243295764

The gradient boosting model was selected as our predictive model since it had the highest scores (accuracy: 85.7%, f1: 91.9%, recall: 00.5%, precision: 85.3%)

Create a csv file to showcase my results

results = df_cleaned[['Loan ID']]
results['Customer ID'] = df_cleaned['Customer ID']

C:\User_Files\Lucy_Wan\Programming\Anaconda2\lib\site-packages\ipykernel_launcher.py:2: SettingWithCopyWarning: 
A value is trying to be set on a copy of a slice from a DataFrame.
Try using .loc[row_indexer,col_indexer] = value instead

See the caveats in the documentation: http://pandas.pydata.org/pandas-docs/stable/indexing.html#indexing-view-versus-copy

predict = pd.DataFrame(model_gbc.predict_proba(X))
predict.head()

predict = predict.rename(columns = {0:"Probability of Charged Off", 1:"Probability of Fully Paid"})

results = pd.merge(results,predict, left_index = True, right_index = True)

model_pred = pd.DataFrame(model_gbc.predict(X))

model_pred[model_pred==1]='Fully Paid'
model_pred[model_pred==0]='Charged Off'

results['Loan Status Predicted By Model'] = model_pred

results['Actual Loan Status'] = df_cleaned['Loan Status']

results.head()

results.to_csv('results.csv')

features = pd.DataFrame(model_gbc.feature_importances_)

features['feature']=X_train.columns

Examine which features were the most important to my model

features

	Loan ID	Customer ID	Loan Status	Current Loan Amount	Term	Credit Score	Years in current job	Home Ownership	Annual Income	Purpose	Monthly Debt	Years of Credit History	Months since last delinquent	Number of Open Accounts	Number of Credit Problems	Current Credit Balance	Maximum Open Credit	Bankruptcies	Tax Liens
14	00029f9f-0cc5-4d4e-aabc-ea4a7fe74e12	afbc2fa3-3bad-4d48-b691-829aed78bad5	Charged Off	17961	Short Term	701.0	< 1 year	Own Home	53053.0	Debt Consolidation	$596.85	9.9	43.0	7	0	6810	22775	0.0	0.0
19	00035328-2636-4390-8322-5841de482d2b	28eb75ac-6a09-4057-b73f-726c72ebf933	Charged Off	11604	Short Term	729.0	6 years	Home Mortgage	35315.0	Debt Consolidation	$662.16	15.0	NaN	12	0	17092	20743	0.0	0.0
32	0006572c-9567-484d-b49b-bfe06536aa96	c1a7ba66-9f36-4f5c-86cd-1aa7ad68b954	Charged Off	14727	Short Term	740.0	3 years	Home Mortgage	70690.0	Debt Consolidation	$1,083.91	18.0	27.0	12	0	43375	225911	0.0	0.0
37	000795b0-d767-42bf-837a-80d5b78c1e50	b533c78c-3096-4914-acb1-5453c0ff76a4	Charged Off	19731	Long Term	623.0	3 years	Rent	43846.0	Buy House	$738.08	16.2	55.0	13	1	9031	17955	1.0	0.0
40	0008a65c-3054-4b5d-931d-8352021f813d	04513d99-d809-4eb6-b4bb-6abc767d861e	Charged Off	7066	Short Term	741.0	10+ years	Own Home	60564.0	Debt Consolidation	$706.58	14.6	56.0	4	0	6229	9242	0.0	0.0
106	001b2e80-1220-40f4-87ad-63fc4814bdfe	f7d50460-c0a5-45d0-ae25-891947b4c7b9	Charged Off	11316	Long Term	703.0	6 years	Rent	80832.0	Debt Consolidation	$714.02	17.8	71.0	5	1	3666	7376	1.0	0.0
118	001df440-3495-4ea7-b519-b7b85dd7ad0e	c550dd85-dccb-4441-b2fe-a06e90bf48de	Charged Off	22059	Long Term	679.0	10+ years	Home Mortgage	200540.0	Debt Consolidation	$578.23	24.1	38.0	10	0	17642	41904	0.0	0.0
131	0021a33d-62ce-44fa-9c8f-7b5396a1be81	9681f4f0-4d57-48e2-917d-a5f6d3accaab	Charged Off	11945	Short Term	NaN	5 years	Rent	NaN	Debt Consolidation	$675.21	18.6	NaN	8	0	5258	22278	0.0	0.0
157	0027a983-b2d4-4363-8191-2e5480a92549	0c8991e7-43fe-478b-94cc-ba1185f3eb05	Charged Off	10057	Short Term	NaN	3 years	Rent	NaN	Debt Consolidation	$1,089.87	16.4	15.0	11	0	11615	14234	0.0	0.0
167	002a0be9-3c47-4471-bfac-130d33cdb038	e6dad351-ac76-4453-827a-7841ceaf0914	Charged Off	19173	Short Term	609.0	< 1 year	Home Mortgage	80728.0	Other	$905.50	19.6	14.0	5	0	12594	12619	0.0	0.0
182	002d9230-a4a2-4a53-b2e6-95df00866341	a96d08d2-cbb3-42d8-9718-909f1ccfc9ad	Charged Off	9795	Short Term	687.0	6 years	Rent	27496.0	other	$788.22	6.6	40.0	4	0	2290	4626	0.0	0.0
201	00336793-40a5-448c-81a6-528bf04a04ba	7b182b4a-d3ed-419a-b889-83f44fff2203	Charged Off	7886	Short Term	741.0	5 years	Rent	23854.0	Debt Consolidation	$415.45	6.2	NaN	6	0	5394	6801	0.0	0.0
207	0033eb55-3702-4a17-8e68-ef95f3f57053	58a5de0c-b628-4730-a25f-5239ab65e191	Charged Off	2297	Short Term	708.0	5 years	Rent	27564.0	Debt Consolidation	$243.48	6.9	NaN	10	0	3859	12449	0.0	0.0
221	00393195-42fd-4b0f-a019-10cb0c86dce4	3fc2799b-87d2-4068-b4d9-abfba07be5be	Charged Off	15958	Short Term	713.0	10+ years	Own Home	48800.0	Debt Consolidation	$727.93	17.0	NaN	9	1	11523	18146	0.0	0.0
228	003a346b-6ede-4179-8991-c63c4ef9af55	ecad702f-d39e-46c9-9418-ac291588bc2d	Charged Off	15018	Long Term	732.0	9 years	Home Mortgage	45054.0	Debt Consolidation	$1,006.21	17.0	NaN	15	0	15460	28058	0.0	0.0
230	003a4f3b-7599-4b5a-88a6-f569bb8bc955	32c9ce22-5628-4c4f-8a30-3c1e7df3e817	Charged Off	17304	Short Term	657.0	5 years	Own Home	46823.0	Debt Consolidation	$1,069.13	13.0	NaN	12	0	16000	16394	0.0	0.0
272	0044a2d5-3ffa-4103-bc5a-d1c9b77e64ac	70d9d527-c3dc-45dc-9661-de97eb5ac94f	Charged Off	16356	Short Term	709.0	10+ years	Home Mortgage	60486.0	Debt Consolidation	$1,048.42	20.4	36.0	8	1	11073	19563	1.0	0.0
307	004d4be5-c8b9-42cc-871c-313a58feb263	2937ddf0-c778-459f-b602-3e0a402f68a4	Charged Off	10799	Long Term	708.0	2 years	Rent	29451.0	Debt Consolidation	$912.98	24.1	NaN	12	0	14298	18545	0.0	0.0
315	004ee15f-da2a-4590-8f9a-ac139929f867	c5afc0ee-482b-441a-8c81-23165bc95eef	Charged Off	12072	Short Term	743.0	< 1 year	Home Mortgage	39420.0	Debt Consolidation	$683.28	9.5	NaN	13	0	4096	22628	0.0	0.0
321	0051664e-e2f1-4f60-8ccb-f59fba657148	0ce8d48e-9584-4736-97ef-348e95a3e536	Charged Off	8891	Short Term	732.0	3 years	Rent	61250.0	Debt Consolidation	$1,260.73	12.9	NaN	12	0	8959	17397	0.0	0.0
341	0054b992-5d03-4624-83c3-b156ee89f393	b7693a5e-da84-441e-bad8-b0508ab95884	Charged Off	10747	Long Term	6600.0	6 years	Rent	80352.0	Debt Consolidation	$1,459.72	14.0	66.0	7	0	2480	2914	0.0	0.0
349	005610f4-3fcd-4344-baa1-c53111dea319	b283c93c-337f-4cb8-a3ea-2435ed5fb0c4	Charged Off	23312	Short Term	6760.0	8 years	Rent	76853.0	Debt Consolidation	$954.25	9.2	NaN	10	0	14038	18643	0.0	0.0
381	005fdf32-84ea-4e1c-9802-2d8d418c4655	d8076865-2835-40ce-9326-7b231464bb27	Charged Off	3020	Short Term	699.0	3 years	Own Home	59389.0	Debt Consolidation	$673.08	6.5	NaN	17	0	17159	28503	0.0	0.0
418	006a2c4f-30a0-43cc-ab8f-dd152a1c3c4b	6624426a-79bc-4d53-b32b-536a284cac5f	Charged Off	35053	Short Term	NaN	3 years	Rent	NaN	Business Loan	$809.13	13.3	NaN	25	0	5153	42585	0.0	0.0
420	006a5d3b-d802-4874-a13e-0df0ff838b5b	173f207d-8d77-406f-b596-3f641e42ff4f	Charged Off	27359	Short Term	7460.0	10+ years	Home Mortgage	390840.0	Debt Consolidation	$5,243.77	27.3	NaN	22	0	257406	325008	0.0	0.0
432	006be99e-94e5-4c24-84af-c6106771a26c	cc35b2b5-97b3-4257-b15f-7c66fe7d45f9	Charged Off	18336	Long Term	703.0	10+ years	Home Mortgage	66398.0	Debt Consolidation	$1,101.10	15.4	NaN	11	0	47925	86978	0.0	0.0
437	006d81cf-6ced-4840-9a33-9783fc02d841	e1fbde58-5f55-42ed-af5a-cafe9d7e22c9	Charged Off	7662	Long Term	726.0	10+ years	Home Mortgage	26469.0	Debt Consolidation	$467.63	19.8	79.0	6	0	4607	5339	0.0	0.0
443	006f090c-fbd5-466c-ae1e-0a2c1df1f31d	1d2a9045-5e06-43ff-865f-5e393d65873f	Charged Off	11933	Long Term	722.0	8 years	Home Mortgage	74580.0	Debt Consolidation	$1,280.29	25.9	20.0	15	0	17883	31429	0.0	0.0
457	0074c307-71da-4daa-8c25-83751b831101	77bbd683-dd15-438f-a902-2dbb04375f45	Charged Off	3564	Short Term	712.0	8 years	Rent	45545.0	Debt Consolidation	$565.52	15.8	50.0	8	0	3763	5176	0.0	0.0
460	00750cae-1b87-45cd-9ce5-ee6e002bf2ad	fea3d406-4070-45cf-932e-6e26c8666023	Charged Off	31709	Long Term	NaN	2 years	Rent	NaN	other	$1,307.99	16.8	NaN	15	0	3624	27246	0.0	0.0
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
256417	ff6d32f8-d4f2-4a9e-a4e0-690781eaeb97	a9a46824-4f43-49c6-aaca-8b2f9509f7f0	Charged Off	12248	Short Term	NaN	10+ years	Rent	NaN	Debt Consolidation	$772.36	17.1	NaN	6	0	6808	9796	0.0	0.0
256445	ff73bf26-fd77-4433-9246-987173784524	68d6ec31-a319-447b-9190-af208793f9f0	Charged Off	16133	Long Term	702.0	5 years	Rent	60498.0	Debt Consolidation	$630.69	16.0	NaN	6	0	14663	20281	0.0	0.0
256469	ff79d91e-661c-4da4-8ab4-acd0c73995a3	98558920-bb9b-493c-827e-b41e805bc705	Charged Off	4914	Short Term	NaN	NaN	Rent	NaN	Debt Consolidation	$250.61	18.0	NaN	6	1	5768	7077	1.0	0.0
256472	ff7a814f-a952-4950-9eea-7779b33e3a8d	c8362588-cb64-4b17-804d-95ba7b461ee3	Charged Off	10093	Short Term	NaN	8 years	Home Mortgage	NaN	other	$1,396.19	17.1	38.0	12	0	59702	64334	0.0	0.0
256474	ff7a8fe7-888e-49c3-9305-9c6e34e6f6f2	03c22e05-969a-4673-aa26-9621a355f458	Charged Off	24490	Long Term	739.0	1 year	Home Mortgage	63674.0	Debt Consolidation	$986.95	19.6	NaN	13	0	5416	24288	0.0	0.0
256476	ff7b269c-cacf-4440-a86b-ab64ebb0d436	ea18d4d2-cb2a-4043-839d-808ea3e7a11b	Charged Off	10156	Short Term	746.0	4 years	Home Mortgage	73123.0	Debt Consolidation	$1,413.72	28.9	NaN	9	0	23791	31470	0.0	0.0
256502	ff7fce5a-3f95-4f03-9796-a9e60086e9c5	aa619302-49c8-472b-bf76-934a14f65254	Charged Off	15656	Long Term	725.0	8 years	Rent	43054.0	Debt Consolidation	$681.69	11.5	NaN	5	0	3632	6167	0.0	0.0
256512	ff81879a-8511-4b4a-a3ac-6bd51aaa6293	34707ab0-51dc-4cd8-a0c8-61b19bc45839	Charged Off	7859	Short Term	721.0	1 year	Rent	29472.0	Debt Consolidation	$397.87	11.9	72.0	16	0	3350	12454	0.0	0.0
256523	ff847f57-6670-4b8e-b0ac-aa6a9b2efa69	647be725-9aff-4d7d-8b4f-7c8a6d7a2f91	Charged Off	16179	Short Term	747.0	7 years	Home Mortgage	96064.0	Debt Consolidation	$976.65	20.2	NaN	12	0	6065	55644	0.0	0.0
256563	ff8f89a7-e168-4bcb-b678-bf11ace43813	4c516175-c4b0-4e4a-8ce1-b460bfa4c08f	Charged Off	10045	Short Term	NaN	1 year	Home Mortgage	NaN	Debt Consolidation	$738.31	8.1	NaN	11	0	6479	8436	0.0	0.0
256566	ff8fc7eb-0237-47b2-bfed-8bf1151f13df	35f5f178-e329-4e90-b565-8203ddfd1992	Charged Off	15781	Short Term	NaN	1 year	Rent	NaN	Debt Consolidation	$1,307.83	11.2	NaN	17	0	18653	25835	0.0	0.0
256575	ff921f7d-1ef0-4f12-9a86-d6cc8fce3a3d	2278a185-7ec7-4769-a8af-205bf068c99e	Charged Off	30579	Long Term	NaN	5 years	Home Mortgage	NaN	Debt Consolidation	$1,048.23	23.5	NaN	9	0	19244	82950	0.0	0.0
256589	ff946889-eac4-4cb1-b245-7cf6d76c1a5e	4973925c-a4e0-40a7-aa21-98caae67949c	Charged Off	13834	Long Term	699.0	8 years	Rent	39384.0	Debt Consolidation	$347.89	13.5	16.0	19	0	7334	26008	0.0	0.0
256611	ff9b0800-2363-4dbb-88a9-8a7b51f24a75	472c643f-e992-4a2f-b705-8357c78afdab	Charged Off	14076	Short Term	712.0	2 years	Rent	53688.0	Debt Consolidation	$760.59	12.5	NaN	6	0	6343	9049	0.0	0.0
256652	ffa5b141-790f-4547-a9e0-f9ba3d44e405	edeb8731-845e-4f9e-8ae7-cdf7aa262dac	Charged Off	24700	Short Term	715.0	3 years	Own Home	138320.0	other	$1,613.73	17.0	NaN	9	0	5305	19646	0.0	0.0
256690	ffb05285-380a-4aa8-8180-b55f7aac388b	f82e4d81-36b3-40d6-942d-3e701f0e6650	Charged Off	12047	Short Term	744.0	2 years	Home Mortgage	44172.0	Debt Consolidation	$585.27	14.8	NaN	5	0	8708	9839	0.0	0.0
256723	ffb844e3-73ef-451d-b084-06dddaf8bd56	c7c1469e-3e56-4c9d-9eb6-cc94ff4f6c82	Charged Off	5858	Short Term	740.0	NaN	Rent	29624.0	Debt Consolidation	$419.68	16.7	74.0	13	1	9339	15335	1.0	0.0
256777	ffc6dd5c-ace9-41b0-bec3-4e5ae8567b49	f27c9d87-5e7a-4527-99f4-6e8de41e9a8c	Charged Off	7855	Short Term	735.0	3 years	Home Mortgage	52190.0	Debt Consolidation	$1,365.64	15.9	NaN	16	0	18617	25329	0.0	0.0
256815	ffd081d8-0ce7-41cf-8318-baccaabf681a	011bbf15-53a7-4962-a5ee-f2276a0d55f2	Charged Off	4780	Short Term	748.0	3 years	Rent	27885.0	Debt Consolidation	$418.28	13.9	80.0	12	0	7222	32829	0.0	0.0
256825	ffd2c305-c78e-4dc2-b27c-2e46281020de	4038da05-5677-4535-a00b-1322ff9b0060	Charged Off	5553	Short Term	741.0	10+ years	Rent	71395.0	Other	$1,181.00	15.5	NaN	11	0	17761	24099	0.0	0.0
256844	ffda0100-49f8-4205-a853-72fd7f709328	ac055546-80ce-4f32-9d32-b2c0ca132d33	Charged Off	24978	Long Term	6890.0	5 years	Home Mortgage	144870.0	Debt Consolidation	$1,943.67	15.9	34.0	10	2	5563	9287	1.0	0.0
256857	ffdfbaba-e39f-46bd-b6b0-2e71f29d0f3d	a814b7cf-cac0-44f8-bc33-169a107eee0a	Charged Off	4893	Short Term	729.0	NaN	Home Mortgage	47951.0	Debt Consolidation	$439.56	15.0	NaN	5	0	6272	9784	0.0	0.0
256859	ffdfd7b0-bfa9-4b5f-bccf-cef97575011b	2e59e451-338e-45c3-8488-3656bc145506	Charged Off	14855	Long Term	NaN	4 years	Own Home	NaN	Debt Consolidation	$728.65	10.9	28.0	22	0	15825	28411	0.0	0.0
256869	ffe22ad2-1f4c-4ad8-84b4-4c2ed333dcf9	e6bdcc35-8f9c-4691-bbcc-fb35cb489d10	Charged Off	13682	Long Term	6600.0	1 year	Rent	39092.0	Debt Consolidation	$616.68	9.0	NaN	9	0	4464	10455	0.0	0.0
256875	ffe33e62-83b6-4bc2-9ec7-7f865621542e	307dc053-1357-40ac-a394-ad916ecca8ca	Charged Off	1480	Short Term	7350.0	4 years	Rent	34528.0	Debt Consolidation	$417.21	6.5	NaN	13	0	2792	6997	0.0	0.0
256892	ffe9a992-ed0a-4a80-bb8e-91e8fd778bec	53fbf0c5-0852-47a8-9860-6418fe21dd56	Charged Off	10784	Short Term	721.0	< 1 year	Rent	24581.0	Debt Consolidation	$559.21	14.8	NaN	9	0	18710	20674	0.0	0.0
256917	ffef32fb-8f16-496f-88fa-08929936267d	507f6a07-19f9-4e73-9064-046c445c45b4	Charged Off	18331	Short Term	733.0	3 years	Own Home	101840.0	Debt Consolidation	$3,190.98	18.3	NaN	19	0	14696	20874	0.0	0.0
256969	fffc4837-d6f7-48c7-bc61-78422af92eb6	01511702-6e9f-490e-9fef-0a9dbf1c0e20	Charged Off	10782	Short Term	738.0	5 years	Rent	36787.0	Debt Consolidation	$732.67	9.5	NaN	8	0	13415	16440	0.0	0.0
256972	fffd5218-faf0-4b82-becf-11664fa064a3	301954fb-2381-4d68-a3b0-478870cd49f3	Charged Off	5968	Short Term	746.0	8 years	Own Home	79568.0	Debt Consolidation	$1,412.33	22.1	63.0	10	1	4237	0	0.0	0.0
256976	fffe5140-8725-4fd1-b3bf-9e59cb7834eb	df856c29-ce44-4df7-94a6-bd758a1c1332	Charged Off	34710	Short Term	700.0	9 years	Rent	148755.0	Business Loan	$47.11	34.0	1.0	3	0	2590	37004	0.0	0.0

	Loan ID	Customer ID	Loan Status	Current Loan Amount	Term	Credit Score	Years in current job	Home Ownership	Annual Income	Purpose	Monthly Debt	Years of Credit History	Months since last delinquent	Number of Open Accounts	Number of Credit Problems	Current Credit Balance	Maximum Open Credit	Bankruptcies	Tax Liens
7	0000afa6-8902-4f8f-b870-25a8fdad0aeb	e49c1a82-a0f7-45e8-9f46-2f75c43f9fbc	Charged Off	24613	Long Term	NaN	6 years	Rent	NaN	Business Loan	$542.29	17.6	73.0	7	0	14123	16954	0.0	0.0
13	00029f9f-0cc5-4d4e-aabc-ea4a7fe74e12	afbc2fa3-3bad-4d48-b691-829aed78bad5	Charged Off	17961	Short Term	701.0	< 1 year	Own Home	53053.0	Debt Consolidation	$596.85	9.9	43.0	7	0	6810	22775	0.0	0.0
15	00029f9f-0cc5-4d4e-aabc-ea4a7fe74e12	afbc2fa3-3bad-4d48-b691-829aed78bad5	Charged Off	17980	Short Term	701.0	< 1 year	Own Home	53112.0	Debt Consolidation	$597.50	9.9	43.0	7	0	6817	22800	0.0	0.0
21	00038a08-f058-4add-a8ed-497b91672a9e	727bb429-dfa1-41c4-a347-23230e23949f	Charged Off	16929	Long Term	734.0	3 years	Home Mortgage	40308.0	Debt Consolidation	$745.70	14.9	NaN	10	0	28513	101110	0.0	0.0
47	000a08fa-e669-46dc-9a96-9da6b96570a0	4b7782a6-b84c-4dd9-ac62-f927a68eeaa9	Charged Off	21160	Long Term	636.0	5 years	Home Mortgage	77770.0	Debt Consolidation	$1,290.98	20.8	NaN	28	0	28175	51227	0.0	0.0
56	000c0c27-1961-4336-b760-a300e1bce9b0	881edf98-387c-4eef-ab71-317a7a5e70c1	Charged Off	6463	Short Term	NaN	1 year	Own Home	NaN	Debt Consolidation	$633.29	19.9	74.0	9	0	8025	24317	0.0	0.0
72	000f1140-ef9f-42f9-9898-f9b3162bf0da	442c2d9b-3d95-44a9-bcb4-0dc80a941e3c	Charged Off	6007	Short Term	NaN	10+ years	Home Mortgage	NaN	Debt Consolidation	$538.15	23.6	13.0	6	0	5077	7811	0.0	0.0
74	000f5c35-dc3e-415f-9c22-e355ef96d78b	0ecf29b6-93eb-4c13-b853-a9cbdfc7f85b	Charged Off	12899	Long Term	667.0	2 years	Rent	133947.0	Debt Consolidation	$1,931.07	18.4	7.0	16	0	39417	90199	0.0	0.0
80	001227a1-4490-47c6-ada7-20faf636e9a3	3d4a8985-0b72-4084-8b20-f441d9868483	Charged Off	5060	Short Term	727.0	< 1 year	Home Mortgage	62738.0	Other	$711.03	20.4	22.0	6	0	10777	12041	0.0	0.0
85	00158423-d7a4-4fef-8e0d-ad8de93e8ba1	11e878dc-0982-4c6b-a32a-ef5fca6ed6f4	Charged Off	11546	Long Term	707.0	9 years	Rent	33551.0	Debt Consolidation	$522.84	22.7	NaN	17	0	12113	15630	0.0	0.0
89	00163613-1360-4e43-8fbc-7818032510b7	2eba693e-f810-459d-8df7-9a2376138466	Charged Off	5041	Short Term	737.0	2 years	Rent	51147.0	Debt Consolidation	$613.77	10.9	NaN	11	0	3644	4428	0.0	0.0
113	001ce813-522a-4a34-bbcc-21eaeae79aea	cc73a15c-7ad4-4101-a2af-57306c335285	Charged Off	15191	Long Term	NaN	7 years	Rent	NaN	Debt Consolidation	$385.07	14.0	NaN	11	0	15655	24810	0.0	0.0
114	001ce813-522a-4a34-bbcc-21eaeae79aea	cc73a15c-7ad4-4101-a2af-57306c335285	Charged Off	15191	Long Term	706.0	7 years	Rent	44863.0	Debt Consolidation	$385.07	14.0	NaN	11	0	15655	24810	0.0	0.0
115	001ce813-522a-4a34-bbcc-21eaeae79aea	cc73a15c-7ad4-4101-a2af-57306c335285	Charged Off	15306	Long Term	706.0	7 years	Rent	45204.0	Debt Consolidation	$388.00	14.0	NaN	11	0	15774	24999	0.0	0.0
125	00201656-d70d-49cf-b5b0-118280383288	0d419e30-7336-4e52-980d-8c17365acc67	Charged Off	9663	Short Term	743.0	2 years	Home Mortgage	42277.0	Debt Consolidation	$806.79	13.3	81.0	14	0	11990	16008	0.0	0.0
127	00205bb2-b17c-4001-84ac-c6d928e4eaa6	45aa9267-04f2-49b5-8991-7bb1ffc8f669	Charged Off	14834	Short Term	741.0	3 years	Home Mortgage	98890.0	Debt Consolidation	$2,398.08	16.0	12.0	8	0	5810	5736	0.0	0.0
134	00221528-22cc-422d-ace3-71a4c5a43e59	79791672-07e1-423e-bc3e-beecee96e4a6	Charged Off	3278	Short Term	733.0	NaN	Rent	39948.0	Medical Bills	$581.90	21.5	78.0	10	0	10392	14042	0.0	0.0
151	0026a1b5-8a22-478d-a6fe-5931fa8ed673	88e7f72d-e0f0-423b-86bc-0b05f023ca7e	Charged Off	11017	Short Term	NaN	2 years	Rent	NaN	Debt Consolidation	$1,280.23	11.7	NaN	9	0	7140	18788	0.0	0.0
152	0026a1b5-8a22-478d-a6fe-5931fa8ed673	88e7f72d-e0f0-423b-86bc-0b05f023ca7e	Charged Off	11017	Short Term	740.0	2 years	Rent	61206.0	Debt Consolidation	$1,280.23	11.7	NaN	9	0	7140	18788	0.0	0.0
162	00291dfe-e40a-4791-acc8-a322ee3d9b72	835f15b4-ccea-46fb-9a1f-1ccda42ae737	Charged Off	6017	Short Term	NaN	4 years	Rent	NaN	other	$448.63	8.9	NaN	12	0	7263	19736	0.0	0.0
171	002ae016-b028-483d-91fa-ab351bd326ce	2bd8d9b0-989f-40ae-be5a-9bee5cf645f5	Charged Off	16122	Long Term	699.0	10+ years	Rent	45342.0	Debt Consolidation	$1,031.53	20.4	52.0	16	1	7780	17327	0.0	0.0
176	002bd679-cca8-4637-9e21-f07117547ade	ce4134c2-3656-4b45-8a98-7c90ae95ef2e	Charged Off	6840	Short Term	NaN	< 1 year	Rent	NaN	Buy House	$2,208.06	26.4	60.0	20	0	7983	10951	0.0	0.0
204	0033afa0-9ee0-4b80-8583-84fd5df32cdd	cdfc5fc0-0107-4770-b66d-dcfac1f08a38	Charged Off	9931	Long Term	700.0	NaN	Rent	34560.0	other	$743.04	23.0	NaN	9	0	3711	12011	0.0	0.0
226	003a3241-adbe-4337-b73a-5085c6834a74	08117601-9319-41e3-9fa6-6da917c70fa5	Charged Off	7253	Short Term	744.0	< 1 year	Rent	45329.0	Debt Consolidation	$30.22	15.9	0.0	4	0	3356	10968	NaN	0.0
234	003b2a04-c602-4685-bbe1-b049c6d208c8	c281b763-fd5e-4fe1-a294-27965ffba250	Charged Off	32889	Short Term	664.0	2 years	Rent	188811.0	Home Improvements	$2,722.02	8.0	NaN	8	0	3304	5715	0.0	0.0
252	0041f6e0-7b30-45db-b796-44fe0f5defa8	c9046850-92e6-4024-8a43-a7bdab580065	Charged Off	1530	Short Term	672.0	8 years	Rent	43856.0	other	$1,180.45	16.0	NaN	11	0	12135	17638	0.0	0.0
261	00430797-c7fa-4cdc-b1f5-1f777de86d4a	e39d2d77-a389-44b9-a0bd-82f112bf3777	Charged Off	29061	Long Term	700.0	5 years	Rent	66281.0	Debt Consolidation	$1,231.72	14.5	NaN	13	0	37839	59402	0.0	0.0
263	00430b50-f36d-4abd-9e96-29998ee4150a	29ebed6e-e0d7-444b-8f9d-af6727d6b5c0	Charged Off	14423	Short Term	719.0	2 years	Rent	34354.0	Debt Consolidation	$755.78	14.5	NaN	22	0	14608	16562	0.0	0.0
270	0044a2d5-3ffa-4103-bc5a-d1c9b77e64ac	70d9d527-c3dc-45dc-9661-de97eb5ac94f	Charged Off	16381	Short Term	709.0	10+ years	Home Mortgage	60576.0	Debt Consolidation	$1,049.98	20.4	36.0	8	1	11089	19592	1.0	0.0
271	0044a2d5-3ffa-4103-bc5a-d1c9b77e64ac	70d9d527-c3dc-45dc-9661-de97eb5ac94f	Charged Off	16356	Short Term	709.0	10+ years	Home Mortgage	60486.0	Debt Consolidation	$1,048.42	20.4	36.0	8	1	11073	19563	1.0	0.0
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
256735	ffbc24f2-d57b-4196-9787-78016f0e435a	c01d9949-9ec5-429d-8064-e007e0b20c67	Charged Off	20723	Long Term	695.0	10+ years	Home Mortgage	52785.0	Debt Consolidation	$967.73	28.3	NaN	11	0	14730	17391	0.0	0.0
256742	ffbe5e46-dd9b-4a5e-937a-cb173c667cfa	3bebc2f0-8618-41b4-bd6c-b98bc48f096a	Charged Off	30000	Long Term	686.0	10+ years	Own Home	89109.0	Debt Consolidation	$2,398.52	20.4	16.0	8	0	41401	48029	0.0	0.0
256747	ffbf871d-5f1d-49e2-b5f7-f9a0995e5089	62a7273b-6bd6-44b0-9b3a-327754b063ec	Charged Off	24502	Long Term	718.0	< 1 year	Home Mortgage	98009.0	Debt Consolidation	$1,462.79	19.6	NaN	4	0	25823	28283	0.0	0.0
256750	ffc07baf-5656-49df-80a6-d753a7a71bcf	fa57bad2-238f-4172-afa5-2fae4deff911	Charged Off	10225	Long Term	717.0	10+ years	Home Mortgage	86913.0	Home Improvements	$811.18	21.2	18.0	7	0	5502	6443	0.0	0.0
256760	ffc3506e-4f06-4233-abb2-85efff9b412b	bd1310e2-e9e4-471f-bf8d-1f3e72e010d5	Charged Off	18580	Long Term	723.0	7 years	Rent	47917.0	Debt Consolidation	$690.81	29.5	5.0	12	0	15800	30620	0.0	0.0
256765	ffc41c13-790b-43c6-8aa8-b4bb96ec53ce	313e03f7-487c-4e66-9c65-e2fbd625baf1	Charged Off	30129	Long Term	690.0	10+ years	Own Home	75323.0	Debt Consolidation	$1,060.79	13.5	NaN	15	0	22114	37930	0.0	0.0
256781	ffc782cf-549a-4b7b-b930-c5da2191154d	899532d0-ae51-49b7-ba08-b66ead574374	Charged Off	8110	Short Term	727.0	1 year	Rent	24331.0	Debt Consolidation	$490.68	9.4	NaN	5	0	9817	17752	0.0	0.0
256793	ffcaa10f-5560-4737-b72a-8fb4c91d63c9	13d36ee8-a841-43d5-be8e-60ce1e27bc22	Charged Off	7888	Short Term	712.0	10+ years	Own Home	59160.0	other	$739.50	20.8	NaN	14	2	5464	7784	2.0	0.0
256801	ffcd5c4c-c146-450e-b535-3f8fee1bbaf4	27019cfd-28a8-4a94-8a2a-33bba21e37e9	Charged Off	20012	Short Term	719.0	2 years	Rent	82705.0	Debt Consolidation	$1,026.92	19.4	NaN	11	0	36471	80866	0.0	0.0
256804	ffce37ae-4877-4316-b985-ca66e9942861	93330384-1e1d-4f78-8d33-766b40040231	Charged Off	10605	Short Term	NaN	10+ years	Home Mortgage	NaN	Debt Consolidation	$1,164.08	14.5	NaN	16	0	18313	21750	0.0	0.0
256807	ffce7776-d6f5-43d7-8a51-766ddad34b8a	df8ba181-9a11-4f13-8fc0-2af26fc1fb48	Charged Off	1589	Short Term	726.0	1 year	Rent	64167.0	Debt Consolidation	$320.30	15.2	NaN	4	0	2745	6460	0.0	0.0
256822	ffd1aa2b-4231-4cae-82fc-9f182e9471b4	3e1dd868-496c-4893-b323-3e908163aa6e	Charged Off	17509	Long Term	676.0	2 years	Rent	37392.0	Debt Consolidation	$709.52	18.5	NaN	9	1	22965	23748	1.0	0.0
256864	ffe07979-874c-4f31-a8c3-550acaa6922e	b36cdf08-5a97-4073-b4da-abeb56f9d0fa	Charged Off	11569	Short Term	739.0	NaN	Home Mortgage	50427.0	Debt Consolidation	$748.00	11.0	71.0	10	0	6587	10292	0.0	0.0
256879	ffe48901-0341-436b-bc10-8bb50b0e2b7f	1f942698-0001-4676-b3f6-8b21bd7ca191	Charged Off	15352	Short Term	653.0	8 years	Rent	300030.0	Business Loan	$3,200.32	13.7	NaN	9	2	6798	8898	0.0	2.0
256894	ffea733e-2ec3-45cd-ba92-ccf97037f5e6	869118c0-5868-4acc-8bd2-7ccfc8695cc3	Charged Off	35025	Long Term	652.0	6 years	Home Mortgage	78055.0	Home Improvements	$780.55	10.8	NaN	9	0	14180	19425	0.0	0.0
256901	ffebcaee-5c82-4557-87dd-01f4b8ffc932	6a8860b3-b2eb-49c5-942d-2ef276baee92	Charged Off	20260	Long Term	718.0	9 years	Home Mortgage	65845.0	Debt Consolidation	$905.37	11.6	NaN	18	0	31082	41005	0.0	0.0
256903	ffebec60-7520-43d6-a392-1f5c30b6d07a	9b2098ea-7ac4-4479-a524-ce208004c70f	Charged Off	16201	Long Term	699.0	NaN	Own Home	35221.0	Debt Consolidation	$1,091.84	32.9	NaN	19	0	31101	88104	0.0	0.0
256911	ffedd0f5-9ce5-4136-a72d-78e7310deea0	64278634-4e52-4b4d-beb7-d90f533a77a4	Charged Off	12089	Short Term	712.0	4 years	Rent	110814.0	Debt Consolidation	$1,708.38	11.4	25.0	10	0	6925	9978	0.0	0.0
256924	fff08eca-26b5-4d02-b618-c1cf46736896	09106d18-88cd-401a-ab07-9c93599138c6	Charged Off	24595	Long Term	669.0	1 year	Home Mortgage	59028.0	Debt Consolidation	$855.91	21.0	21.0	10	0	17282	18040	0.0	0.0
256928	fff142bd-1430-4bb9-9eac-a5b45436a5b4	819e9ff5-f8d4-4c6f-b5c1-9d274b93f159	Charged Off	24658	Long Term	NaN	9 years	Rent	NaN	Debt Consolidation	$1,060.27	20.1	21.0	12	0	3718	18317	0.0	0.0
256929	fff142bd-1430-4bb9-9eac-a5b45436a5b4	819e9ff5-f8d4-4c6f-b5c1-9d274b93f159	Charged Off	24503	Long Term	696.0	9 years	Rent	98010.0	Debt Consolidation	$1,053.61	20.1	21.0	12	0	3695	18201	0.0	0.0
256930	fff142bd-1430-4bb9-9eac-a5b45436a5b4	819e9ff5-f8d4-4c6f-b5c1-9d274b93f159	Charged Off	24658	Long Term	696.0	9 years	Rent	98630.0	Debt Consolidation	$1,060.27	20.1	21.0	12	0	3718	18317	0.0	0.0
256933	fff1c0cc-49ce-47f6-a0c1-e74a7d43fbe1	cb142142-3ff3-4ffe-87ed-4c0dd9fabb67	Charged Off	9681	Short Term	732.0	8 years	Home Mortgage	33759.0	Other	$953.68	16.0	NaN	17	0	24900	29857	0.0	0.0
256937	fff2779e-9fe7-4db5-b566-48f43b58aa68	7ddd16c2-bf65-4b01-8b48-bbda8793c206	Charged Off	9976	Short Term	733.0	1 year	Home Mortgage	124700.0	Debt Consolidation	$1,340.53	10.4	16.0	16	0	6539	17074	0.0	0.0
256947	fff5f918-967f-4cae-b8e8-0ec41b9d0a69	92093f79-1142-496c-8aef-0bc152ed8dd9	Charged Off	20658	Short Term	745.0	10+ years	Rent	45963.0	Debt Consolidation	$792.86	17.4	NaN	10	0	13192	36143	0.0	0.0
256949	fff61503-051a-4bb8-8342-287939fa738a	b36620f7-d086-45c4-bfdc-b14c2187d0c6	Charged Off	20492	Short Term	722.0	5 years	Rent	52511.0	Debt Consolidation	$1,163.99	19.0	NaN	12	0	18732	24391	0.0	0.0
256966	fffc297d-74f0-4d42-ad90-cdea2bd9aac0	b8cae6f0-6c9b-4982-bef2-e3cdf48add59	Charged Off	11524	Short Term	725.0	6 years	Home Mortgage	50990.0	Debt Consolidation	$790.35	21.4	NaN	23	0	12818	19160	0.0	0.0
256974	fffe36ec-97a6-460a-a236-640b7e0669f0	6520de3e-5961-47b1-bced-6a8132acb5cc	Charged Off	10575	Long Term	722.0	< 1 year	Rent	30854.0	Debt Consolidation	$707.08	14.8	NaN	18	0	20183	23496	0.0	0.0
256978	fffe84cf-67a1-468d-ab7b-cf06a9c4ee14	460c6cf5-4d12-4e3c-a3d0-46dd67c78cce	Charged Off	11953	Short Term	717.0	10+ years	Home Mortgage	39844.0	Debt Consolidation	$982.82	11.7	NaN	9	1	4176	4783	1.0	0.0
256982	ffffcb2e-e48e-4d2c-a0d6-ed6bce5bfdbe	971a6682-183b-4a52-8bce-1d3429ade295	Charged Off	12116	Short Term	746.0	9 years	Home Mortgage	52504.0	Debt Consolidation	$297.96	15.1	82.0	8	0	3315	20090	0.0	0.0

	Current Loan Amount	Credit Score	Annual Income	Years of Credit History	Months since last delinquent	Number of Open Accounts	Number of Credit Problems	Current Credit Balance	Bankruptcies	Tax Liens
count	2.157000e+05	171202.000000	1.712020e+05	215700.000000	97438.000000	215700.000000	215700.000000	2.157000e+05	215248.000000	215678.000000
mean	1.633515e+07	1035.265114	7.280452e+04	18.359758	35.031949	11.077566	0.155424	1.545723e+04	0.110556	0.026331
std	3.695307e+07	1377.767153	5.730483e+04	7.057999	21.810714	4.971825	0.457972	1.975044e+04	0.336853	0.240853
min	5.050000e+02	585.000000	0.000000e+00	3.400000	0.000000	0.000000	0.000000	0.000000e+00	0.000000	0.000000
25%	8.328000e+03	715.000000	4.476600e+04	13.600000	17.000000	8.000000	0.000000	5.932000e+03	0.000000	0.000000
50%	1.464200e+04	733.000000	6.210500e+04	17.000000	32.000000	10.000000	0.000000	1.104200e+04	0.000000	0.000000
75%	2.520800e+04	743.000000	8.779200e+04	21.800000	51.000000	14.000000	0.000000	1.932400e+04	0.000000	0.000000
max	1.000000e+08	7510.000000	8.713547e+06	70.500000	176.000000	76.000000	11.000000	1.731412e+06	7.000000	11.000000

	Loan ID	Customer ID	Loan Status	Current Loan Amount	Term	Credit Score	Years in current job	Home Ownership	Annual Income	Purpose	Monthly Debt	Years of Credit History	Months since last delinquent	Number of Open Accounts	Number of Credit Problems	Current Credit Balance	Maximum Open Credit	Bankruptcies	Tax Liens
173280	ac42556a-621c-4efe-accd-81b0f8b88763	a2a872f7-7f3c-42c1-b293-c47d1c8dcaf1	Fully Paid	14413	Short Term	742.0	NaN	Home Mortgage	62056.0	Home Improvements	$1,054.95	44.3	40.0	11	0	15763	20209	0.0	0.0
173534	ac805fbc-eed9-4358-acfe-0483ab2bdc4f	5e18f2ba-6b6b-4d8d-8d17-5e7505f5f2fc	Fully Paid	99999999	Short Term	743.0	NaN	Rent	64333.0	Take a Trip	$456.23	20.3	35.0	7	0	4361	8954	0.0	0.0
174092	ad06660e-ea3c-4065-9a5d-fb5a48a844af	f3f9b937-67ba-4e75-8090-131bc7f8cbb7	Fully Paid	99999999	Short Term	748.0	NaN	Home Mortgage	87084.0	Debt Consolidation	$957.92	17.0	27.0	17	0	12442	57869	0.0	0.0
26896	1ae0e1f4-60c6-4057-b7f0-ff7d658c9d8d	80b73ac5-4596-4fdd-a8b6-c5fc6a549100	Charged Off	11797	Short Term	746.0	NaN	Own Home	49155.0	Debt Consolidation	$1,151.04	27.0	61.0	10	0	8812	20930	0.0	0.0
173682	aca2383d-d3cb-46e7-97bd-bc0805105db0	fa638ab0-0f90-40a2-8538-bd6822d4fb13	Fully Paid	99999999	Short Term	721.0	NaN	Rent	63104.0	Debt Consolidation	$678.36	20.0	21.0	8	1	8763	20145	1.0	0.0
173329	ac4f9423-eb2c-490f-94a5-0c1effa6a797	9475ae94-3944-41b0-a533-d925d58e4f23	Fully Paid	4080	Short Term	676.0	NaN	Rent	45900.0	Business Loan	$284.58	27.1	61.0	7	1	4969	13359	1.0	0.0
26937	1aed3d3c-2900-4d7c-9d60-9c91c1bb950a	37d905fe-cbc7-4df3-bf38-deff00d68cf6	Fully Paid	2371	Short Term	744.0	NaN	Rent	8179.0	Debt Consolidation	$55.35	23.5	34.0	4	0	1898	12822	0.0	0.0
173448	ac6c1ced-3d87-4e5a-937a-30087175e003	3ebc9323-fd95-4e37-aed2-1e233dbe1b32	Charged Off	9836	Short Term	7000.0	NaN	Home Mortgage	39344.0	Debt Consolidation	$439.34	22.0	0.0	10	0	5255	21450	0.0	0.0
173426	ac68d02f-03c0-47bd-9913-4072a6c41bb6	902b24c3-47bc-4a24-adee-cc2b2fc4b0ec	Fully Paid	99999999	Short Term	735.0	NaN	Home Mortgage	82002.0	Business Loan	$1,366.70	25.8	32.0	12	1	14573	24826	1.0	0.0
173472	ac732b14-0923-40ee-adc3-5ebf40547c94	38414da0-02e4-495e-a681-05d85bf2eec0	Fully Paid	15302	Short Term	742.0	NaN	Home Mortgage	65286.0	Debt Consolidation	$935.77	21.5	47.0	10	0	45585	51802	0.0	0.0
173367	ac584085-6307-4dc2-8ed5-4cf00a6dfd3c	93b132cd-104b-4792-8c2f-a28017e87a3e	Fully Paid	99999999	Short Term	731.0	NaN	Home Mortgage	28035.0	Debt Consolidation	$523.33	20.8	26.0	12	1	3080	10441	0.0	0.0
173545	ac838e64-261b-411f-90b0-163c9fef02ac	cf2e394a-863c-4a7c-a51d-a6933db8aa01	Fully Paid	20146	Short Term	739.0	NaN	Home Mortgage	71090.0	Debt Consolidation	$493.49	47.9	31.0	6	1	3598	11682	1.0	0.0
174068	ad02d96e-b2a2-47ec-8e6f-4db0a77b90f6	0f65afd7-d784-4cd0-886f-0f66bbe7ec06	Fully Paid	5977	Short Term	737.0	NaN	Home Mortgage	51404.0	Debt Consolidation	$582.58	19.9	16.0	8	0	9561	12257	0.0	0.0
174080	ad04a669-3177-450c-adab-f52050f87228	5d05676e-9178-4141-be2e-686346c8ec1d	Fully Paid	15682	Short Term	700.0	NaN	Rent	73946.0	Debt Consolidation	$1,429.61	28.6	32.0	9	0	9543	10487	0.0	0.0
26952	1aef5ca7-71a1-4c6e-af48-3126f0625120	4b9dfe28-69ed-41d6-9331-7bdbfe3956cc	Fully Paid	2928	Short Term	746.0	NaN	Home Mortgage	24398.0	Home Improvements	$82.95	23.1	31.0	6	1	2208	10368	1.0	0.0
26978	1af65a97-17d8-432f-b8b4-17096aa50511	ad99750e-961d-4e30-8bda-fb2ce53bae3a	Fully Paid	99999999	Short Term	724.0	NaN	Home Mortgage	51903.0	Debt Consolidation	$648.79	14.6	56.0	8	0	1950	3234	0.0	0.0
174036	acfb2377-afe4-49ea-8713-3b778ff88d0a	c8ad7a90-20ab-48a4-b727-4bbe02afca54	Charged Off	28003	Long Term	644.0	NaN	Rent	67978.0	Other	$1,648.47	20.1	1.0	14	0	32953	40089	0.0	0.0
175793	aec1ac05-fa56-46e7-b56a-cf99f54c10ec	703e03dd-4975-44bb-9c5a-c829e66a426e	Charged Off	4996	Short Term	714.0	NaN	Home Mortgage	21707.0	Debt Consolidation	$464.90	13.6	76.0	8	2	7276	11987	0.0	0.0
248985	f7f98052-5983-490f-87ef-9dad239d8218	cbd0ec21-01e5-460f-b4b9-1ca2f9004992	Fully Paid	99999999	Short Term	701.0	NaN	Home Mortgage	44222.0	other	$420.11	32.1	23.0	10	0	16845	21350	0.0	0.0
175826	aec8a60c-8ce9-4fb1-a010-0e345ea29b82	291d3bc3-fc82-4828-9a35-acbaab037520	Fully Paid	7800	Short Term	720.0	NaN	Own Home	68250.0	Debt Consolidation	$1,302.43	26.0	18.0	7	0	25542	29631	0.0	0.0
2505	0291642a-3431-42d9-91d2-f840e7edcef0	33192245-25ba-4ca5-b19b-733bd54073b1	Fully Paid	15899	Short Term	733.0	NaN	Home Mortgage	70553.0	Debt Consolidation	$391.57	25.7	18.0	12	0	14592	20757	0.0	0.0
175933	aee5937a-0d6f-408c-a608-eb0f2ca1fb07	ac49f838-1aff-4066-8b95-66f7aa79a4d1	Fully Paid	5125	Short Term	719.0	NaN	Rent	39210.0	Other	$229.70	31.8	41.0	9	1	1186	9563	1.0	0.0
248932	f7ec5f42-545d-47f0-9122-ed7de3c98ae5	154a15d1-7467-4f93-af69-b139c470239f	Fully Paid	5765	Short Term	744.0	NaN	Home Mortgage	51015.0	Debt Consolidation	$880.01	39.6	27.0	21	0	44922	123751	0.0	0.0
175919	aee07838-218a-4711-8959-2ed1833027a1	1ee0c5d8-4232-4a50-8e56-be35d208c57f	Fully Paid	11942	Short Term	739.0	NaN	Home Mortgage	89568.0	other	$1,492.80	25.5	18.0	8	0	34856	283381	0.0	0.0
249066	f80d7079-1cff-4670-a829-f2f7a9ac571f	e1dfc891-91d4-4d73-9e42-b914eb293189	Fully Paid	12011	Short Term	738.0	NaN	Home Mortgage	58921.0	Debt Consolidation	$819.99	20.9	18.0	11	0	15807	23076	0.0	0.0
249095	f8141615-1977-4e65-98e3-4b873efe077e	ac19299a-9247-4032-80df-6ed7a0684573	Fully Paid	3991	Short Term	734.0	NaN	Own Home	14975.0	Buy a Car	$49.92	17.0	44.0	4	0	738	23818	0.0	0.0
175635	ae9909fc-3fd1-4cc2-b60d-39b5dc7739de	6c3f8d54-e607-4b8e-906a-217946623698	Charged Off	7838	Short Term	720.0	NaN	Home Mortgage	37866.0	Debt Consolidation	$798.34	48.5	57.0	9	1	3084	6295	1.0	0.0
26152	1a1a418d-fe50-43c5-a415-52ec77aada88	0e7c0a01-244a-43e1-9d71-d8d1237ac7d2	Fully Paid	99999999	Short Term	715.0	NaN	Rent	15321.0	Debt Consolidation	$90.90	11.3	25.0	6	0	2719	2859	0.0	0.0
176405	af5a650b-af73-41fa-a9a0-86e480e1aa84	18918911-3c03-4f3f-a679-a3d30880a261	Fully Paid	9846	Short Term	734.0	NaN	Own Home	25600.0	Debt Consolidation	$509.86	18.1	14.0	7	0	5848	7776	0.0	0.0
26075	1a07527b-d426-4df9-a90d-561a0e77e121	1af45f46-23b3-44c2-918f-d3ea94de0ecd	Charged Off	23402	Short Term	7260.0	NaN	Own Home	63382.0	Debt Consolidation	$1,061.64	45.6	57.0	8	0	29071	31092	0.0	0.0
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...
210653	d199168d-74e1-4a91-8977-4a92abd3b7e6	ff0ec39b-ed73-4621-b3d0-37ca5ebdd781	Fully Paid	4660	Short Term	733.0	NaN	Home Mortgage	NaN	Debt Consolidation	$410.56	24.6	NaN	9	1	4027	6601	0.0	1.0
196939	c3d122fb-82f9-49aa-a53b-fcaa0c5005cc	db5157da-7f78-467e-9ad6-ac59a02ba37a	Fully Paid	4021	Short Term	733.0	NaN	Home Mortgage	NaN	Debt Consolidation	$714.70	17.6	NaN	10	1	7124	12054	1.0	0.0
73942	49754fb6-c9f7-47e1-82bc-8e36a0601e34	d7568176-b747-45ac-a37c-5f1ac79a3e88	Fully Paid	12289	Long Term	733.0	NaN	Rent	NaN	Debt Consolidation	$410.03	8.9	NaN	13	0	4700	13663	0.0	0.0
183394	b65c390f-f654-4fd3-aee3-0d5a90ceaa57	cdadacf2-762c-4d72-9b71-45d8daa3b57f	Fully Paid	10664	Short Term	733.0	NaN	Rent	NaN	Debt Consolidation	$554.43	16.0	NaN	14	0	17322	27760	0.0	0.0
5598	0598ffd1-01b8-4cf8-a189-1aa921e04cc9	5b07ab32-4213-4641-8848-8b8909e978f9	Fully Paid	4052	Short Term	733.0	NaN	Rent	NaN	Debt Consolidation	$196.00	11.0	NaN	6	0	5491	7595	0.0	0.0
121922	792b4481-31b8-4ab8-82d3-0a884d97b3ef	a671bd7f-633b-4dd5-8e8d-e6857f71f26f	Fully Paid	28398	Long Term	733.0	NaN	Rent	NaN	Debt Consolidation	$1,899.93	42.4	NaN	16	0	28759	43182	0.0	0.0
188655	bba2d454-4163-4a97-a951-ee7a1c6b0671	40b9912e-5fff-4da0-b09a-6a7cd7fe4b64	Fully Paid	9996	Short Term	733.0	NaN	Home Mortgage	NaN	Debt Consolidation	$823.00	24.4	NaN	16	0	8674	37386	0.0	0.0
5602	059a48b2-92a0-4419-92b9-58e0c76a73d7	034ddee5-6b1f-4967-a482-3992d25180d0	Charged Off	19548	Short Term	733.0	NaN	Home Mortgage	NaN	Debt Consolidation	$626.76	29.0	NaN	11	0	21502	36819	0.0	0.0
134137	85670bd6-c686-48ca-b2f6-0d54d0eafb3b	2af61bd7-d7dc-4c1d-846f-f8e9be45c420	Fully Paid	1803	Short Term	733.0	NaN	Rent	NaN	Debt Consolidation	$295.44	19.7	NaN	11	0	14797	26236	0.0	0.0
225482	e04e59f3-45da-41b8-9103-33d9f78287ee	08a02c9a-4dc1-4c1f-91fa-e2782132551c	Charged Off	5042	Short Term	733.0	NaN	Home Mortgage	NaN	other	$1,329.27	13.4	NaN	13	0	21420	21924	0.0	0.0
192595	bf86c30a-6bc9-4c3e-92e4-d0f28ddf3c3f	5e6e1943-cb63-4e56-8850-7b45945b3574	Fully Paid	15428	Short Term	733.0	NaN	Rent	NaN	Debt Consolidation	$659.17	22.1	NaN	7	0	9843	11236	0.0	0.0
83235	52a7f035-1628-4d2f-acfb-0e18102900c5	6fcd2b59-3263-4978-9f24-541ae5cd1d85	Fully Paid	5001	Short Term	733.0	NaN	Rent	NaN	Debt Consolidation	$458.09	9.4	NaN	9	1	4573	7597	1.0	0.0
161673	a0d13d77-5adc-4d4b-b5c4-54e027e53b9f	e09b780c-295d-4770-b62f-b1b9b0d45b12	Fully Paid	19904	Short Term	733.0	NaN	Home Mortgage	NaN	Debt Consolidation	$442.50	38.2	NaN	9	0	22304	58085	0.0	0.0
112872	7017e2bf-addf-4921-8a5c-83033aa4ba5f	55f04f74-db14-45a7-a93b-b650d887f3a6	Fully Paid	14792	Short Term	733.0	NaN	Rent	NaN	Debt Consolidation	$1,756.26	18.0	NaN	8	0	33082	53617	0.0	0.0
62660	3e5bb348-a284-4677-9ca0-41d2d11d2296	7adca112-4d41-446f-9a32-3d9b62d86c31	Fully Paid	5996	Short Term	733.0	NaN	Own Home	NaN	Buy House	$25.05	16.9	NaN	4	0	324	19048	0.0	0.0
237038	ebda9fc3-2adc-4686-ab07-0b07a62d2f37	20f60f2f-8185-4948-9bc6-cff6d694cf45	Fully Paid	3334	Short Term	733.0	NaN	Rent	NaN	Debt Consolidation	$357.22	29.0	NaN	11	0	3551	72460	0.0	0.0
37017	24de2115-2b17-4f7c-a83a-de4e01719087	65bdda98-3efd-4c62-ade5-17413dfd00ab	Fully Paid	5090	Short Term	733.0	NaN	Home Mortgage	NaN	Debt Consolidation	$267.16	10.3	NaN	4	0	4582	6005	0.0	0.0
37000	24dac85e-c66d-47ff-8114-babaee373c09	2d2f7df5-602b-4db4-aebc-5ab579232e6d	Fully Paid	5928	Short Term	733.0	NaN	Rent	NaN	Debt Consolidation	$101.74	19.9	NaN	5	1	3439	10421	1.0	0.0
183515	b67a2be4-b538-417c-9ff0-52dae0f57255	effb3d59-f5b1-4249-968f-a507bc1547b0	Fully Paid	6837	Short Term	733.0	NaN	Home Mortgage	NaN	Debt Consolidation	$935.33	17.7	NaN	9	0	16108	25287	0.0	0.0
247357	f65e7d75-a80c-4e1f-b0e0-49e55726b2ca	550a58d6-5961-44e5-94a7-09c0e296a4b6	Fully Paid	2020	Short Term	733.0	NaN	Home Mortgage	NaN	Home Improvements	$168.70	24.0	NaN	4	0	6497	6767	0.0	0.0
80610	5010f786-7b3d-4aac-bc53-01d1bf673abd	1f410f88-3edd-4036-9038-628260ec9eab	Fully Paid	11598	Short Term	733.0	NaN	Home Mortgage	NaN	Debt Consolidation	$420.63	39.3	NaN	9	0	3865	9884	0.0	0.0
112851	7011f892-0c94-4249-bf76-1d037cea6439	7a92e24d-10f3-496b-8dd9-b9f6bde65d36	Fully Paid	3058	Short Term	733.0	NaN	HaveMortgage	NaN	Take a Trip	$1,166.91	27.4	NaN	8	0	35654	61791	0.0	0.0
99591	62f59cb7-d5e2-48e0-a641-a34f12966770	113b1587-82c1-4460-87fa-1948108ce818	Fully Paid	11046	Short Term	733.0	NaN	Rent	NaN	Debt Consolidation	$508.99	12.7	NaN	10	0	16524	18319	0.0	0.0
35740	239eddda-a017-4052-a54f-ddf602c53055	9190a4e4-edcc-4529-99f3-e06b8e60c42f	Fully Paid	7878	Short Term	733.0	NaN	Own Home	NaN	Debt Consolidation	$307.08	41.7	NaN	12	0	9432	82022	0.0	0.0
222347	dd43d4cf-f75b-4496-ae50-5db390b11c14	e5d9d904-6bb2-4475-8e4a-e7538955793e	Charged Off	18011	Short Term	733.0	NaN	Home Mortgage	NaN	Debt Consolidation	$790.45	20.0	NaN	7	0	27619	34567	0.0	0.0
136736	880944f8-112e-477b-aba4-607adf7354ae	b1b314ce-f59d-4a02-917c-af1dd1d3c0f8	Fully Paid	10470	Long Term	733.0	NaN	Rent	NaN	Debt Consolidation	$254.19	9.9	NaN	4	0	8419	8617	0.0	0.0
210603	d18e1dcf-b1b0-48ea-b618-0f8e68b78d95	e02cd691-2e14-4160-8f48-60722ef13e56	Fully Paid	7997	Short Term	733.0	NaN	Rent	NaN	Debt Consolidation	$487.97	9.1	NaN	15	0	10573	25114	0.0	0.0
201198	c827d04f-37c2-4ea5-8ea7-07941ee84c56	4d5379f1-4e8f-42fa-89cb-66a5a721f4dd	Fully Paid	11860	Short Term	733.0	NaN	Rent	NaN	Debt Consolidation	$193.69	16.2	NaN	5	0	8339	17089	0.0	0.0
128143	7f78cf95-560e-4c5a-9363-badced6777fa	76dcd93e-3fa8-4af3-a975-c32eca83059e	Fully Paid	2018	Short Term	733.0	NaN	Home Mortgage	NaN	Medical Bills	$800.68	14.5	NaN	17	0	21697	41249	0.0	0.0
130205	818f9bb4-15a4-4c64-a18f-eb403a20bb74	f3bf0af3-2746-4419-bed1-dbc488eef769	Fully Paid	1976	Short Term	733.0	NaN	Rent	NaN	Debt Consolidation	$166.00	9.6	NaN	4	0	5175	10780	0.0	0.0

	Current Loan Amount	Credit Score	Years in current job	Annual Income	Monthly Debt	Years of Credit History	Months since last delinquent	Number of Open Accounts	Number of Credit Problems	Current Credit Balance	Maximum Open Credit	Bankruptcies	Tax Liens
count	2.156980e+05	215698.000000	215698.000000	2.156980e+05	215698.000000	215698.000000	215698.000000	215698.000000	215698.000000	2.156980e+05	2.156980e+05	215698.000000	215698.000000
mean	1.633530e+07	972.911524	2.536903	7.059750e+04	960.396162	18.359797	33.369660	11.077627	0.155426	1.545737e+04	3.698387e+04	0.110326	0.026328
std	3.695320e+07	1233.537371	2.883904	5.123631e+04	634.781931	7.058020	14.736628	4.971806	0.457974	1.975048e+04	6.011805e+05	0.336539	0.240842
min	5.050000e+02	585.000000	0.000000	0.000000e+00	0.000000	3.400000	0.000000	0.000000	0.000000	0.000000e+00	0.000000e+00	0.000000	0.000000
25%	8.328250e+03	721.000000	0.000000	4.935000e+04	527.660000	13.600000	32.000000	8.000000	0.000000	5.932000e+03	1.296100e+04	0.000000	0.000000
50%	1.464200e+04	733.000000	2.000000	6.210500e+04	840.545000	17.000000	32.000000	10.000000	0.000000	1.104200e+04	2.206000e+04	0.000000	0.000000
75%	2.520800e+04	741.000000	5.000000	7.960000e+04	1249.942500	21.800000	32.000000	14.000000	0.000000	1.932400e+04	3.681000e+04	0.000000	0.000000
max	1.000000e+08	7510.000000	9.000000	8.713547e+06	22939.120000	70.500000	176.000000	76.000000	11.000000	1.731412e+06	1.763322e+08	7.000000	11.000000

	Loan ID	Customer ID	Loan Status	Current Loan Amount	Term	Credit Score	Years in current job	Home Ownership	Annual Income	Purpose	Monthly Debt	Years of Credit History	Months since last delinquent	Number of Open Accounts	Current Credit Balance	Maximum Open Credit
0	000025bb-5694-4cff-b17d-192b1a98ba44	5ebc8bb1-5eb9-4404-b11b-a6eebc401a19	Fully Paid	11520	Short Term	741.0	10+ years	Home Mortgage	33694.0	Debt Consolidation	$584.03	12.3	41.0	10	6760	16056
1	00002c49-3a29-4bd4-8f67-c8f8fbc1048c	927b388d-2e01-423f-a8dc-f7e42d668f46	Fully Paid	3441	Short Term	734.0	4 years	Home Mortgage	42269.0	other	$1,106.04	26.3	NaN	17	6262	19149
2	00002d89-27f3-409b-aa76-90834f359a65	defce609-c631-447d-aad6-1270615e89c4	Fully Paid	21029	Short Term	747.0	10+ years	Home Mortgage	90126.0	Debt Consolidation	$1,321.85	28.8	NaN	5	20967	28335
3	00005222-b4d8-45a4-ad8c-186057e24233	070bcecb-aae7-4485-a26a-e0403e7bb6c5	Fully Paid	18743	Short Term	747.0	10+ years	Own Home	38072.0	Debt Consolidation	$751.92	26.2	NaN	9	22529	43915
4	0000757f-a121-41ed-b17b-162e76647c1f	dde79588-12f0-4811-bab0-e2b07f633fcd	Fully Paid	11731	Short Term	746.0	4 years	Rent	50025.0	Debt Consolidation	$355.18	11.5	NaN	12	17391	37081

	0	1
0	0.178703	0.821297
1	0.100057	0.899943
2	0.009637	0.990363
3	0.141215	0.858785
4	0.113016	0.886984

	0	feature
0	0.203020	Current Loan Amount
1	0.444981	Credit Score
2	0.000000	Years in current job
3	0.173322	Annual Income
4	0.040899	Monthly Debt
5	0.000000	Years of Credit History
6	0.008935	Months since last delinquent
7	0.003361	Number of Open Accounts
8	0.000000	Number of Credit Problems
9	0.004552	Current Credit Balance
10	0.006288	Maximum Open Credit
11	0.000000	Bankruptcies
12	0.000000	Tax Liens
13	0.028454	Null years in current job
14	0.000000	Over ten years
15	0.054749	Term_Short Term
16	0.000000	Home Ownership_Own Home
17	0.031438	Home Ownership_Rent
18	0.000000	Purpose_Buy House
19	0.000000	Purpose_Buy a Car
20	0.000000	Purpose_Debt Consolidation
21	0.000000	Purpose_Educational Expenses
22	0.000000	Purpose_Home Improvements
23	0.000000	Purpose_Medical Bills
24	0.000000	Purpose_Other
25	0.000000	Purpose_Take a Trip