CR_model_tensorflow.ipynb

{
 "cells": [
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "   # CREDIT RISK MODEL USING TENSORFLOW"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 1,
   "metadata": {
    "collapsed": false
   },
   "outputs": [],
   "source": [
    "import tensorflow as tf\n",
    "import numpy as np\n",
    "import pandas as pd\n",
    "from sklearn.cross_validation import train_test_split"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 96,
   "metadata": {
    "collapsed": false
   },
   "outputs": [],
   "source": [
    "data = pd.read_csv('/Users/Shared/TensorFlow/tensorflow_tryouts/lending-club-data.csv', low_memory=False)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 97,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "Index([u'id', u'member_id', u'loan_amnt', u'funded_amnt', u'funded_amnt_inv',\n",
      "       u'term', u'int_rate', u'installment', u'grade', u'sub_grade',\n",
      "       u'emp_title', u'emp_length', u'home_ownership', u'annual_inc',\n",
      "       u'is_inc_v', u'issue_d', u'loan_status', u'pymnt_plan', u'url', u'desc',\n",
      "       u'purpose', u'title', u'zip_code', u'addr_state', u'dti',\n",
      "       u'delinq_2yrs', u'earliest_cr_line', u'inq_last_6mths',\n",
      "       u'mths_since_last_delinq', u'mths_since_last_record', u'open_acc',\n",
      "       u'pub_rec', u'revol_bal', u'revol_util', u'total_acc',\n",
      "       u'initial_list_status', u'out_prncp', u'out_prncp_inv', u'total_pymnt',\n",
      "       u'total_pymnt_inv', u'total_rec_prncp', u'total_rec_int',\n",
      "       u'total_rec_late_fee', u'recoveries', u'collection_recovery_fee',\n",
      "       u'last_pymnt_d', u'last_pymnt_amnt', u'next_pymnt_d',\n",
      "       u'last_credit_pull_d', u'collections_12_mths_ex_med',\n",
      "       u'mths_since_last_major_derog', u'policy_code', u'not_compliant',\n",
      "       u'status', u'inactive_loans', u'bad_loans', u'emp_length_num',\n",
      "       u'grade_num', u'sub_grade_num', u'delinq_2yrs_zero', u'pub_rec_zero',\n",
      "       u'collections_12_mths_zero', u'short_emp', u'payment_inc_ratio',\n",
      "       u'final_d', u'last_delinq_none', u'last_record_none',\n",
      "       u'last_major_derog_none'],\n",
      "      dtype='object')\n"
     ]
    }
   ],
   "source": [
    "print data.columns"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 80,
   "metadata": {
    "collapsed": false
   },
   "outputs": [],
   "source": [
    "features = ['grade',                     # grade of the loan\n",
    "            'sub_grade',                 # sub-grade of the loan\n",
    "            'short_emp',                 # one year or less of employment\n",
    "            'emp_length_num',            # number of years of employment\n",
    "            'home_ownership',            # home_ownership status: own, mortgage or rent\n",
    "            'dti',                       # debt to income ratio\n",
    "            'purpose',                   # the purpose of the loan\n",
    "            'term',                      # the term of the loan\n",
    "            'last_delinq_none',          # has borrower had a delinquincy\n",
    "            'last_major_derog_none',     # has borrower had 90 day or worse rating\n",
    "            'revol_util',                # percent of available credit being used\n",
    "            'total_rec_late_fee',        # total late fees received to day\n",
    "           ]\n",
    "\n",
    "target = 'safe_loans'                   # prediction target (y) (+1 means safe, -1 is risky)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 98,
   "metadata": {
    "collapsed": false
   },
   "outputs": [],
   "source": [
    "data[target] = data['bad_loans'].apply(lambda x : +1 if x==0 else 0)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 63,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "id                               int64\n",
      "member_id                        int64\n",
      "loan_amnt                        int64\n",
      "funded_amnt                      int64\n",
      "funded_amnt_inv                  int64\n",
      "term                            object\n",
      "int_rate                       float64\n",
      "installment                    float64\n",
      "grade                           object\n",
      "sub_grade                       object\n",
      "emp_title                       object\n",
      "emp_length                      object\n",
      "home_ownership                  object\n",
      "annual_inc                     float64\n",
      "is_inc_v                        object\n",
      "issue_d                         object\n",
      "loan_status                     object\n",
      "pymnt_plan                      object\n",
      "url                             object\n",
      "desc                            object\n",
      "purpose                         object\n",
      "title                           object\n",
      "zip_code                        object\n",
      "addr_state                      object\n",
      "dti                            float64\n",
      "delinq_2yrs                    float64\n",
      "earliest_cr_line                object\n",
      "inq_last_6mths                 float64\n",
      "mths_since_last_delinq         float64\n",
      "mths_since_last_record         float64\n",
      "                                ...   \n",
      "total_pymnt_inv                float64\n",
      "total_rec_prncp                float64\n",
      "total_rec_int                  float64\n",
      "total_rec_late_fee             float64\n",
      "recoveries                     float64\n",
      "collection_recovery_fee        float64\n",
      "last_pymnt_d                    object\n",
      "last_pymnt_amnt                float64\n",
      "next_pymnt_d                    object\n",
      "last_credit_pull_d              object\n",
      "collections_12_mths_ex_med     float64\n",
      "mths_since_last_major_derog    float64\n",
      "policy_code                      int64\n",
      "not_compliant                    int64\n",
      "status                          object\n",
      "inactive_loans                   int64\n",
      "bad_loans                        int64\n",
      "emp_length_num                   int64\n",
      "grade_num                        int64\n",
      "sub_grade_num                  float64\n",
      "delinq_2yrs_zero               float64\n",
      "pub_rec_zero                   float64\n",
      "collections_12_mths_zero       float64\n",
      "short_emp                        int64\n",
      "payment_inc_ratio              float64\n",
      "final_d                         object\n",
      "last_delinq_none                 int64\n",
      "last_record_none                 int64\n",
      "last_major_derog_none            int64\n",
      "safe_loans                       int64\n",
      "dtype: object\n"
     ]
    }
   ],
   "source": [
    "print data.dtypes"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 64,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "      <th>short_emp</th>\n",
       "      <th>emp_length_num</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>dti</th>\n",
       "      <th>purpose</th>\n",
       "      <th>term</th>\n",
       "      <th>last_delinq_none</th>\n",
       "      <th>last_major_derog_none</th>\n",
       "      <th>revol_util</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>0</th>\n",
       "      <td>B</td>\n",
       "      <td>B2</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>RENT</td>\n",
       "      <td>27.65</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>83.70</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>C</td>\n",
       "      <td>C4</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>1.00</td>\n",
       "      <td>car</td>\n",
       "      <td>60 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>9.40</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2</th>\n",
       "      <td>C</td>\n",
       "      <td>C5</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>RENT</td>\n",
       "      <td>8.72</td>\n",
       "      <td>small_business</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>98.50</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>3</th>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>RENT</td>\n",
       "      <td>20.00</td>\n",
       "      <td>other</td>\n",
       "      <td>36 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>21.00</td>\n",
       "      <td>16.97</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>4</th>\n",
       "      <td>A</td>\n",
       "      <td>A4</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>RENT</td>\n",
       "      <td>11.20</td>\n",
       "      <td>wedding</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>28.30</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>5</th>\n",
       "      <td>E</td>\n",
       "      <td>E1</td>\n",
       "      <td>0</td>\n",
       "      <td>10</td>\n",
       "      <td>RENT</td>\n",
       "      <td>5.35</td>\n",
       "      <td>car</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>87.50</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>6</th>\n",
       "      <td>F</td>\n",
       "      <td>F2</td>\n",
       "      <td>0</td>\n",
       "      <td>5</td>\n",
       "      <td>OWN</td>\n",
       "      <td>5.55</td>\n",
       "      <td>small_business</td>\n",
       "      <td>60 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>32.60</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>7</th>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>18.08</td>\n",
       "      <td>other</td>\n",
       "      <td>60 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>36.50</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>8</th>\n",
       "      <td>C</td>\n",
       "      <td>C3</td>\n",
       "      <td>0</td>\n",
       "      <td>6</td>\n",
       "      <td>OWN</td>\n",
       "      <td>16.12</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>60 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>20.60</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>9</th>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>OWN</td>\n",
       "      <td>10.78</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>67.10</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>10</th>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>10.08</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>91.70</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>11</th>\n",
       "      <td>B</td>\n",
       "      <td>B1</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>RENT</td>\n",
       "      <td>12.56</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>43.10</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>12</th>\n",
       "      <td>B</td>\n",
       "      <td>B2</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>RENT</td>\n",
       "      <td>7.06</td>\n",
       "      <td>other</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>55.50</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>13</th>\n",
       "      <td>D</td>\n",
       "      <td>D1</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>20.31</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>81.50</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>14</th>\n",
       "      <td>C</td>\n",
       "      <td>C4</td>\n",
       "      <td>0</td>\n",
       "      <td>5</td>\n",
       "      <td>RENT</td>\n",
       "      <td>18.60</td>\n",
       "      <td>home_improvement</td>\n",
       "      <td>36 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>70.20</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>15</th>\n",
       "      <td>A</td>\n",
       "      <td>A1</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>10.52</td>\n",
       "      <td>major_purchase</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>16.00</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>16</th>\n",
       "      <td>B</td>\n",
       "      <td>B3</td>\n",
       "      <td>0</td>\n",
       "      <td>2</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>18.44</td>\n",
       "      <td>medical</td>\n",
       "      <td>36 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>37.73</td>\n",
       "      <td>15.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>17</th>\n",
       "      <td>A</td>\n",
       "      <td>A1</td>\n",
       "      <td>0</td>\n",
       "      <td>7</td>\n",
       "      <td>RENT</td>\n",
       "      <td>9.86</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>23.10</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>18</th>\n",
       "      <td>B</td>\n",
       "      <td>B4</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>RENT</td>\n",
       "      <td>13.22</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>90.30</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>19</th>\n",
       "      <td>B</td>\n",
       "      <td>B3</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>OWN</td>\n",
       "      <td>11.18</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>82.40</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>20</th>\n",
       "      <td>B</td>\n",
       "      <td>B3</td>\n",
       "      <td>0</td>\n",
       "      <td>6</td>\n",
       "      <td>RENT</td>\n",
       "      <td>16.01</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>91.80</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>21</th>\n",
       "      <td>B</td>\n",
       "      <td>B3</td>\n",
       "      <td>0</td>\n",
       "      <td>2</td>\n",
       "      <td>RENT</td>\n",
       "      <td>2.40</td>\n",
       "      <td>major_purchase</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>29.70</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>22</th>\n",
       "      <td>B</td>\n",
       "      <td>B1</td>\n",
       "      <td>0</td>\n",
       "      <td>3</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>29.44</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>93.90</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>23</th>\n",
       "      <td>C</td>\n",
       "      <td>C2</td>\n",
       "      <td>0</td>\n",
       "      <td>10</td>\n",
       "      <td>RENT</td>\n",
       "      <td>15.22</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>57.60</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>24</th>\n",
       "      <td>D</td>\n",
       "      <td>D2</td>\n",
       "      <td>0</td>\n",
       "      <td>3</td>\n",
       "      <td>RENT</td>\n",
       "      <td>13.97</td>\n",
       "      <td>other</td>\n",
       "      <td>60 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>59.50</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>25</th>\n",
       "      <td>B</td>\n",
       "      <td>B3</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>5.63</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>37.70</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>26</th>\n",
       "      <td>B</td>\n",
       "      <td>B3</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>12.19</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>59.10</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>27</th>\n",
       "      <td>A</td>\n",
       "      <td>A3</td>\n",
       "      <td>0</td>\n",
       "      <td>8</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>20.34</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>86.90</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>28</th>\n",
       "      <td>A</td>\n",
       "      <td>A4</td>\n",
       "      <td>0</td>\n",
       "      <td>6</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>14.03</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>27.40</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29</th>\n",
       "      <td>A</td>\n",
       "      <td>A5</td>\n",
       "      <td>0</td>\n",
       "      <td>3</td>\n",
       "      <td>RENT</td>\n",
       "      <td>11.93</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>29.30</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>...</th>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122577</th>\n",
       "      <td>A</td>\n",
       "      <td>A4</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>RENT</td>\n",
       "      <td>13.95</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>48.00</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122578</th>\n",
       "      <td>F</td>\n",
       "      <td>F2</td>\n",
       "      <td>0</td>\n",
       "      <td>7</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>13.85</td>\n",
       "      <td>small_business</td>\n",
       "      <td>60 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>61.20</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122579</th>\n",
       "      <td>B</td>\n",
       "      <td>B2</td>\n",
       "      <td>0</td>\n",
       "      <td>9</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>9.63</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>59.20</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122580</th>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "      <td>0</td>\n",
       "      <td>2</td>\n",
       "      <td>RENT</td>\n",
       "      <td>27.75</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>83.60</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122581</th>\n",
       "      <td>C</td>\n",
       "      <td>C5</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>15.60</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>46.70</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122582</th>\n",
       "      <td>D</td>\n",
       "      <td>D3</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>15.73</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>60 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>36.60</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122583</th>\n",
       "      <td>C</td>\n",
       "      <td>C4</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>18.09</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>0.00</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122584</th>\n",
       "      <td>C</td>\n",
       "      <td>C3</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>RENT</td>\n",
       "      <td>30.28</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>36 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>43.60</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122585</th>\n",
       "      <td>D</td>\n",
       "      <td>D5</td>\n",
       "      <td>0</td>\n",
       "      <td>7</td>\n",
       "      <td>OWN</td>\n",
       "      <td>23.58</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>60 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>51.60</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122586</th>\n",
       "      <td>E</td>\n",
       "      <td>E2</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>22.83</td>\n",
       "      <td>medical</td>\n",
       "      <td>60 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>42.10</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122587</th>\n",
       "      <td>C</td>\n",
       "      <td>C3</td>\n",
       "      <td>0</td>\n",
       "      <td>9</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>11.48</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>60 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>64.70</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122588</th>\n",
       "      <td>A</td>\n",
       "      <td>A5</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>OWN</td>\n",
       "      <td>7.57</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>34.40</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122589</th>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>7.13</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>60 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>69.80</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122590</th>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>OWN</td>\n",
       "      <td>19.62</td>\n",
       "      <td>small_business</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>68.50</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122591</th>\n",
       "      <td>C</td>\n",
       "      <td>C3</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>14.02</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>60 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>71.20</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122592</th>\n",
       "      <td>B</td>\n",
       "      <td>B3</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>RENT</td>\n",
       "      <td>4.02</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>68.60</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122593</th>\n",
       "      <td>E</td>\n",
       "      <td>E3</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>11.23</td>\n",
       "      <td>home_improvement</td>\n",
       "      <td>60 months</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>84.30</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122594</th>\n",
       "      <td>C</td>\n",
       "      <td>C3</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>OWN</td>\n",
       "      <td>26.21</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>28.40</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122595</th>\n",
       "      <td>C</td>\n",
       "      <td>C2</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>7.21</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>60 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>29.80</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122596</th>\n",
       "      <td>D</td>\n",
       "      <td>D1</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>19.56</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>52.50</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122597</th>\n",
       "      <td>E</td>\n",
       "      <td>E5</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>23.90</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>60 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>57.00</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122598</th>\n",
       "      <td>A</td>\n",
       "      <td>A5</td>\n",
       "      <td>0</td>\n",
       "      <td>3</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>14.60</td>\n",
       "      <td>medical</td>\n",
       "      <td>36 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>82.70</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122599</th>\n",
       "      <td>G</td>\n",
       "      <td>G2</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>26.27</td>\n",
       "      <td>medical</td>\n",
       "      <td>60 months</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>94.10</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122600</th>\n",
       "      <td>D</td>\n",
       "      <td>D3</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>6.41</td>\n",
       "      <td>other</td>\n",
       "      <td>36 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>55.90</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122601</th>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "      <td>0</td>\n",
       "      <td>5</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>18.69</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>29.50</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122602</th>\n",
       "      <td>E</td>\n",
       "      <td>E5</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>1.50</td>\n",
       "      <td>medical</td>\n",
       "      <td>60 months</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>14.60</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122603</th>\n",
       "      <td>D</td>\n",
       "      <td>D2</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>11.26</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>36 months</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>15.20</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122604</th>\n",
       "      <td>D</td>\n",
       "      <td>D3</td>\n",
       "      <td>0</td>\n",
       "      <td>6</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>12.28</td>\n",
       "      <td>medical</td>\n",
       "      <td>60 months</td>\n",
       "      <td>0</td>\n",
       "      <td>0</td>\n",
       "      <td>10.70</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122605</th>\n",
       "      <td>D</td>\n",
       "      <td>D5</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>18.45</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>60 months</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>46.30</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122606</th>\n",
       "      <td>A</td>\n",
       "      <td>A4</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>OWN</td>\n",
       "      <td>5.39</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>36 months</td>\n",
       "      <td>0</td>\n",
       "      <td>1</td>\n",
       "      <td>21.50</td>\n",
       "      <td>0.00</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "<p>122607 rows × 12 columns</p>\n",
       "</div>"
      ],
      "text/plain": [
       "       grade sub_grade  short_emp  emp_length_num home_ownership    dti  \\\n",
       "0          B        B2          0              11           RENT  27.65   \n",
       "1          C        C4          1               1           RENT   1.00   \n",
       "2          C        C5          0              11           RENT   8.72   \n",
       "3          C        C1          0              11           RENT  20.00   \n",
       "4          A        A4          0               4           RENT  11.20   \n",
       "5          E        E1          0              10           RENT   5.35   \n",
       "6          F        F2          0               5            OWN   5.55   \n",
       "7          B        B5          1               1           RENT  18.08   \n",
       "8          C        C3          0               6            OWN  16.12   \n",
       "9          B        B5          0              11            OWN  10.78   \n",
       "10         C        C1          1               1           RENT  10.08   \n",
       "11         B        B1          0               4           RENT  12.56   \n",
       "12         B        B2          0               4           RENT   7.06   \n",
       "13         D        D1          1               1           RENT  20.31   \n",
       "14         C        C4          0               5           RENT  18.60   \n",
       "15         A        A1          0              11       MORTGAGE  10.52   \n",
       "16         B        B3          0               2       MORTGAGE  18.44   \n",
       "17         A        A1          0               7           RENT   9.86   \n",
       "18         B        B4          0              11           RENT  13.22   \n",
       "19         B        B3          0              11            OWN  11.18   \n",
       "20         B        B3          0               6           RENT  16.01   \n",
       "21         B        B3          0               2           RENT   2.40   \n",
       "22         B        B1          0               3       MORTGAGE  29.44   \n",
       "23         C        C2          0              10           RENT  15.22   \n",
       "24         D        D2          0               3           RENT  13.97   \n",
       "25         B        B3          0              11       MORTGAGE   5.63   \n",
       "26         B        B3          1               1           RENT  12.19   \n",
       "27         A        A3          0               8       MORTGAGE  20.34   \n",
       "28         A        A4          0               6       MORTGAGE  14.03   \n",
       "29         A        A5          0               3           RENT  11.93   \n",
       "...      ...       ...        ...             ...            ...    ...   \n",
       "122577     A        A4          0              11           RENT  13.95   \n",
       "122578     F        F2          0               7       MORTGAGE  13.85   \n",
       "122579     B        B2          0               9       MORTGAGE   9.63   \n",
       "122580     B        B5          0               2           RENT  27.75   \n",
       "122581     C        C5          1               1           RENT  15.60   \n",
       "122582     D        D3          0              11       MORTGAGE  15.73   \n",
       "122583     C        C4          1               1           RENT  18.09   \n",
       "122584     C        C3          0               4           RENT  30.28   \n",
       "122585     D        D5          0               7            OWN  23.58   \n",
       "122586     E        E2          0               4       MORTGAGE  22.83   \n",
       "122587     C        C3          0               9       MORTGAGE  11.48   \n",
       "122588     A        A5          0               4            OWN   7.57   \n",
       "122589     C        C1          0              11       MORTGAGE   7.13   \n",
       "122590     B        B5          1               1            OWN  19.62   \n",
       "122591     C        C3          0               4       MORTGAGE  14.02   \n",
       "122592     B        B3          0              11           RENT   4.02   \n",
       "122593     E        E3          0              11       MORTGAGE  11.23   \n",
       "122594     C        C3          1               1            OWN  26.21   \n",
       "122595     C        C2          0              11       MORTGAGE   7.21   \n",
       "122596     D        D1          0              11       MORTGAGE  19.56   \n",
       "122597     E        E5          0              11       MORTGAGE  23.90   \n",
       "122598     A        A5          0               3       MORTGAGE  14.60   \n",
       "122599     G        G2          0              11       MORTGAGE  26.27   \n",
       "122600     D        D3          1               1           RENT   6.41   \n",
       "122601     B        B5          0               5       MORTGAGE  18.69   \n",
       "122602     E        E5          1               0       MORTGAGE   1.50   \n",
       "122603     D        D2          0              11       MORTGAGE  11.26   \n",
       "122604     D        D3          0               6       MORTGAGE  12.28   \n",
       "122605     D        D5          0              11       MORTGAGE  18.45   \n",
       "122606     A        A4          0               4            OWN   5.39   \n",
       "\n",
       "                   purpose        term  last_delinq_none  \\\n",
       "0              credit_card   36 months                 1   \n",
       "1                      car   60 months                 1   \n",
       "2           small_business   36 months                 1   \n",
       "3                    other   36 months                 0   \n",
       "4                  wedding   36 months                 1   \n",
       "5                      car   36 months                 1   \n",
       "6           small_business   60 months                 1   \n",
       "7                    other   60 months                 1   \n",
       "8       debt_consolidation   60 months                 1   \n",
       "9       debt_consolidation   36 months                 1   \n",
       "10      debt_consolidation   36 months                 1   \n",
       "11             credit_card   36 months                 1   \n",
       "12                   other   36 months                 1   \n",
       "13      debt_consolidation   36 months                 1   \n",
       "14        home_improvement   36 months                 0   \n",
       "15          major_purchase   36 months                 1   \n",
       "16                 medical   36 months                 0   \n",
       "17      debt_consolidation   36 months                 1   \n",
       "18      debt_consolidation   36 months                 1   \n",
       "19             credit_card   36 months                 1   \n",
       "20      debt_consolidation   36 months                 1   \n",
       "21          major_purchase   36 months                 1   \n",
       "22             credit_card   36 months                 1   \n",
       "23      debt_consolidation   36 months                 1   \n",
       "24                   other   60 months                 0   \n",
       "25      debt_consolidation   36 months                 0   \n",
       "26             credit_card   36 months                 1   \n",
       "27      debt_consolidation   36 months                 1   \n",
       "28      debt_consolidation   36 months                 1   \n",
       "29      debt_consolidation   36 months                 0   \n",
       "...                    ...         ...               ...   \n",
       "122577         credit_card   36 months                 1   \n",
       "122578      small_business   60 months                 1   \n",
       "122579  debt_consolidation   36 months                 0   \n",
       "122580  debt_consolidation   36 months                 1   \n",
       "122581  debt_consolidation   36 months                 1   \n",
       "122582         credit_card   60 months                 0   \n",
       "122583  debt_consolidation   36 months                 0   \n",
       "122584         credit_card   36 months                 0   \n",
       "122585  debt_consolidation   60 months                 0   \n",
       "122586             medical   60 months                 0   \n",
       "122587  debt_consolidation   60 months                 1   \n",
       "122588  debt_consolidation   36 months                 1   \n",
       "122589         credit_card   60 months                 0   \n",
       "122590      small_business   36 months                 1   \n",
       "122591         credit_card   60 months                 1   \n",
       "122592  debt_consolidation   36 months                 0   \n",
       "122593    home_improvement   60 months                 0   \n",
       "122594         credit_card   36 months                 1   \n",
       "122595         credit_card   60 months                 1   \n",
       "122596  debt_consolidation   36 months                 0   \n",
       "122597         credit_card   60 months                 0   \n",
       "122598             medical   36 months                 1   \n",
       "122599             medical   60 months                 0   \n",
       "122600               other   36 months                 0   \n",
       "122601  debt_consolidation   36 months                 0   \n",
       "122602             medical   60 months                 0   \n",
       "122603  debt_consolidation   36 months                 0   \n",
       "122604             medical   60 months                 0   \n",
       "122605  debt_consolidation   60 months                 1   \n",
       "122606         credit_card   36 months                 0   \n",
       "\n",
       "        last_major_derog_none  revol_util  total_rec_late_fee  \n",
       "0                           1       83.70                0.00  \n",
       "1                           1        9.40                0.00  \n",
       "2                           1       98.50                0.00  \n",
       "3                           1       21.00               16.97  \n",
       "4                           1       28.30                0.00  \n",
       "5                           1       87.50                0.00  \n",
       "6                           1       32.60                0.00  \n",
       "7                           1       36.50                0.00  \n",
       "8                           1       20.60                0.00  \n",
       "9                           1       67.10                0.00  \n",
       "10                          1       91.70                0.00  \n",
       "11                          1       43.10                0.00  \n",
       "12                          1       55.50                0.00  \n",
       "13                          1       81.50                0.00  \n",
       "14                          1       70.20                0.00  \n",
       "15                          1       16.00                0.00  \n",
       "16                          1       37.73               15.00  \n",
       "17                          1       23.10                0.00  \n",
       "18                          1       90.30                0.00  \n",
       "19                          1       82.40                0.00  \n",
       "20                          1       91.80                0.00  \n",
       "21                          1       29.70                0.00  \n",
       "22                          1       93.90                0.00  \n",
       "23                          1       57.60                0.00  \n",
       "24                          1       59.50                0.00  \n",
       "25                          1       37.70                0.00  \n",
       "26                          1       59.10                0.00  \n",
       "27                          1       86.90                0.00  \n",
       "28                          1       27.40                0.00  \n",
       "29                          1       29.30                0.00  \n",
       "...                       ...         ...                 ...  \n",
       "122577                      1       48.00                0.00  \n",
       "122578                      1       61.20                0.00  \n",
       "122579                      1       59.20                0.00  \n",
       "122580                      1       83.60                0.00  \n",
       "122581                      1       46.70                0.00  \n",
       "122582                      1       36.60                0.00  \n",
       "122583                      1        0.00                0.00  \n",
       "122584                      1       43.60                0.00  \n",
       "122585                      1       51.60                0.00  \n",
       "122586                      1       42.10                0.00  \n",
       "122587                      1       64.70                0.00  \n",
       "122588                      1       34.40                0.00  \n",
       "122589                      1       69.80                0.00  \n",
       "122590                      1       68.50                0.00  \n",
       "122591                      1       71.20                0.00  \n",
       "122592                      0       68.60                0.00  \n",
       "122593                      0       84.30                0.00  \n",
       "122594                      1       28.40                0.00  \n",
       "122595                      1       29.80                0.00  \n",
       "122596                      1       52.50                0.00  \n",
       "122597                      1       57.00                0.00  \n",
       "122598                      1       82.70                0.00  \n",
       "122599                      0       94.10                0.00  \n",
       "122600                      1       55.90                0.00  \n",
       "122601                      1       29.50                0.00  \n",
       "122602                      0       14.60                0.00  \n",
       "122603                      0       15.20                0.00  \n",
       "122604                      0       10.70                0.00  \n",
       "122605                      1       46.30                0.00  \n",
       "122606                      1       21.50                0.00  \n",
       "\n",
       "[122607 rows x 12 columns]"
      ]
     },
     "execution_count": 64,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "data[features]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 142,
   "metadata": {
    "collapsed": false
   },
   "outputs": [],
   "source": [
    "CATEGORICAL_COLUMNS = [\"grade\", \"sub_grade\", \"home_ownership\",\n",
    "                       \"purpose\", \"term\"]\n",
    "CONTINUOUS_COLUMNS = [\"emp_length_num\", \"dti\", \"revol_util\", \"total_rec_late_fee\", \"short_emp\", \"last_delinq_none\", \"last_major_derog_none\"]\n",
    "\n",
    "LABEL_COLUMN = [target]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 143,
   "metadata": {
    "collapsed": true
   },
   "outputs": [],
   "source": [
    "training_set, test_set = train_test_split(data, test_size = 0.2)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 144,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "98085\n",
      "24522\n"
     ]
    }
   ],
   "source": [
    "print len(training_set)\n",
    "print len(test_set)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 145,
   "metadata": {
    "collapsed": true
   },
   "outputs": [],
   "source": [
    "def input_fn(df):\n",
    "    # Creates a dictionary mapping from each continuous feature column name (k) to\n",
    "    # the values of that column stored in a constant Tensor.\n",
    "    continuous_cols = {k: tf.constant(df[k].values)\n",
    "                       for k in CONTINUOUS_COLUMNS}\n",
    "    # Creates a dictionary mapping from each categorical feature column name (k)\n",
    "    # to the values of that column stored in a tf.SparseTensor.\n",
    "    categorical_cols = {k: tf.SparseTensor(\n",
    "        indices=[[i, 0] for i in range(df[k].size)],\n",
    "        values=df[k].values,\n",
    "        shape=[df[k].size, 1])\n",
    "                        for k in CATEGORICAL_COLUMNS}\n",
    "    # Merges the two dictionaries into one.\n",
    "    feature_cols = dict(continuous_cols.items() + categorical_cols.items())\n",
    "    # Converts the label column into a constant Tensor.\n",
    "    label = tf.constant(df[LABEL_COLUMN].values)\n",
    "    # Returns the feature columns and the label.\n",
    "    return feature_cols, label\n",
    "\n",
    "def train_input_fn():\n",
    "    return input_fn(training_set)\n",
    "\n",
    "def eval_input_fn():\n",
    "    return input_fn(test_set)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 146,
   "metadata": {
    "collapsed": false
   },
   "outputs": [],
   "source": [
    "grade_keys = list(data['grade'].unique())\n",
    "sub_grade_keys = list(data['sub_grade'].unique())\n",
    "home_ownership_keys = list(data['home_ownership'].unique())\n",
    "purpose_keys = list(data['purpose'].unique())\n",
    "term_keys = list(data['term'].unique())"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 147,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "grade_keys:  ['B', 'C', 'A', 'E', 'F', 'D', 'G']\n",
      "sub_grade_keys:  ['B2', 'C4', 'C5', 'C1', 'A4', 'E1', 'F2', 'B5', 'C3', 'B1', 'D1', 'A1', 'B3', 'B4', 'C2', 'D2', 'A3', 'A5', 'D5', 'A2', 'E4', 'D3', 'D4', 'F3', 'E3', 'F1', 'E5', 'G4', 'E2', 'G2', 'F5', 'F4', 'G5', 'G1', 'G3']\n",
      "home_ownership_keys:  ['RENT', 'OWN', 'MORTGAGE', 'OTHER']\n",
      "purpose_keys:  ['credit_card', 'car', 'small_business', 'other', 'wedding', 'debt_consolidation', 'home_improvement', 'major_purchase', 'medical', 'moving', 'vacation', 'house']\n",
      "term_keys:  [' 36 months', ' 60 months']\n"
     ]
    }
   ],
   "source": [
    "print \"grade_keys: \",grade_keys\n",
    "print \"sub_grade_keys: \",sub_grade_keys\n",
    "print \"home_ownership_keys: \",home_ownership_keys\n",
    "print \"purpose_keys: \",purpose_keys\n",
    "print \"term_keys: \",term_keys"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 148,
   "metadata": {
    "collapsed": false
   },
   "outputs": [],
   "source": [
    "grade = tf.contrib.layers.sparse_column_with_keys(\n",
    "  column_name=\"grade\", keys=grade_keys)\n",
    "sub_grade = tf.contrib.layers.sparse_column_with_keys(\n",
    "  column_name=\"sub_grade\", keys=sub_grade_keys)\n",
    "home_ownership = tf.contrib.layers.sparse_column_with_keys(\n",
    "  column_name=\"home_ownership\", keys=home_ownership_keys)\n",
    "purpose = tf.contrib.layers.sparse_column_with_keys(\n",
    "  column_name=\"purpose\", keys=purpose_keys)\n",
    "term = tf.contrib.layers.sparse_column_with_keys(\n",
    "  column_name=\"term\", keys=term_keys)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 149,
   "metadata": {
    "collapsed": true
   },
   "outputs": [],
   "source": [
    "emp_length_num = tf.contrib.layers.real_valued_column(\"emp_length_num\")\n",
    "dti = tf.contrib.layers.real_valued_column(\"dti\")\n",
    "revol_util = tf.contrib.layers.real_valued_column(\"revol_util\")\n",
    "total_rec_late_fee = tf.contrib.layers.real_valued_column(\"total_rec_late_fee\")\n",
    "short_emp = tf.contrib.layers.real_valued_column(\"short_emp\")\n",
    "last_delinq_none = tf.contrib.layers.real_valued_column(\"last_delinq_none\")\n",
    "last_major_derog_none = tf.contrib.layers.real_valued_column(\"last_major_derog_none\")"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 150,
   "metadata": {
    "collapsed": false
   },
   "outputs": [],
   "source": [
    "import tempfile"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 151,
   "metadata": {
    "collapsed": false
   },
   "outputs": [],
   "source": [
    "model_dir = tempfile.mkdtemp()\n",
    "model = tf.contrib.learn.LinearClassifier(feature_columns=[grade, sub_grade, short_emp, emp_length_num, \n",
    "                                                           home_ownership, dti, purpose, term, last_delinq_none, \n",
    "                                                           last_major_derog_none, revol_util, total_rec_late_fee],\n",
    "  model_dir=model_dir)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 152,
   "metadata": {
    "collapsed": false,
    "scrolled": true
   },
   "outputs": [
    {
     "name": "stderr",
     "output_type": "stream",
     "text": [
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n"
     ]
    },
    {
     "data": {
      "text/plain": [
       "LinearClassifier()"
      ]
     },
     "execution_count": 152,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "model.fit(input_fn=train_input_fn, steps=200)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 153,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "name": "stderr",
     "output_type": "stream",
     "text": [
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n"
     ]
    },
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "accuracy: 0.678737\n",
      "eval_auc: 0.0\n",
      "loss: 0.187504\n"
     ]
    }
   ],
   "source": [
    "results = model.evaluate(input_fn=eval_input_fn, steps=1)\n",
    "for key in sorted(results):\n",
    "    print \"%s: %s\" % (key, results[key])"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 154,
   "metadata": {
    "collapsed": true
   },
   "outputs": [],
   "source": [
    "model_reg_dir = tempfile.mkdtemp()\n",
    "model_reg = tf.contrib.learn.LinearClassifier(feature_columns=[grade, sub_grade, short_emp, emp_length_num, \n",
    "                                                           home_ownership, dti, purpose, term, last_delinq_none, \n",
    "                                                           last_major_derog_none, revol_util, total_rec_late_fee],\n",
    "                                          optimizer=tf.train.FtrlOptimizer(\n",
    "                                                        learning_rate=0.1,\n",
    "                                                        l1_regularization_strength=5,\n",
    "                                                        l2_regularization_strength=5),\n",
    "                                        model_dir=model_dir)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 155,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "name": "stderr",
     "output_type": "stream",
     "text": [
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n"
     ]
    },
    {
     "data": {
      "text/plain": [
       "LinearClassifier()"
      ]
     },
     "execution_count": 155,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "model_reg.fit(input_fn=train_input_fn, steps=200)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 156,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "name": "stderr",
     "output_type": "stream",
     "text": [
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n"
     ]
    },
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "accuracy: 0.678737\n",
      "eval_auc: 0.0\n",
      "loss: 0.187504\n"
     ]
    }
   ],
   "source": [
    "results = model_reg.evaluate(input_fn=eval_input_fn, steps=1)\n",
    "for key in sorted(results):\n",
    "    print \"%s: %s\" % (key, results[key])"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 157,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "data": {
      "text/plain": [
       "{'linear/dti_weight': array([[-0.03771699]], dtype=float32),\n",
       " 'linear/emp_length_num_weight': array([[ 0.01967828]], dtype=float32),\n",
       " 'linear/grade_weights': array([[ 0.43817055],\n",
       "        [ 0.14012535],\n",
       "        [ 1.01390278],\n",
       "        [-0.35323787],\n",
       "        [-0.65565318],\n",
       "        [-0.1863524 ],\n",
       "        [-0.22389808]], dtype=float32),\n",
       " 'linear/home_ownership_weights': array([[-0.05679193],\n",
       "        [ 0.06166209],\n",
       "        [ 0.32435447],\n",
       "        [-0.01863182]], dtype=float32),\n",
       " 'linear/last_delinq_none_weight': array([[-0.08802346]], dtype=float32),\n",
       " 'linear/last_major_derog_none_weight': array([[ 0.03810053]], dtype=float32),\n",
       " 'linear/purpose_weights': array([[  3.84579808e-01],\n",
       "        [  1.63014546e-01],\n",
       "        [ -7.22101271e-01],\n",
       "        [ -1.19044095e-01],\n",
       "        [  1.18902937e-01],\n",
       "        [  1.60974890e-01],\n",
       "        [  5.58535941e-02],\n",
       "        [  1.67711556e-01],\n",
       "        [ -3.96581180e-02],\n",
       "        [ -4.02224064e-03],\n",
       "        [ -6.32864598e-04],\n",
       "        [  2.22200863e-02]], dtype=float32),\n",
       " 'linear/revol_util_weight': array([[-0.0033562]], dtype=float32),\n",
       " 'linear/short_emp_weight': array([[-0.04605752]], dtype=float32),\n",
       " 'linear/sub_grade_weights': array([[ 0.2647602 ],\n",
       "        [-0.01470482],\n",
       "        [-0.01212853],\n",
       "        [ 0.17268451],\n",
       "        [ 0.31239969],\n",
       "        [-0.01286686],\n",
       "        [-0.08229071],\n",
       "        [-0.05404489],\n",
       "        [ 0.00124967],\n",
       "        [ 0.28982487],\n",
       "        [ 0.08226527],\n",
       "        [ 0.31375745],\n",
       "        [ 0.18138392],\n",
       "        [ 0.03616794],\n",
       "        [ 0.16285524],\n",
       "        [-0.07559682],\n",
       "        [ 0.26081368],\n",
       "        [ 0.14723362],\n",
       "        [-0.06287193],\n",
       "        [ 0.29469112],\n",
       "        [-0.14620546],\n",
       "        [-0.02600728],\n",
       "        [-0.0627192 ],\n",
       "        [-0.15099849],\n",
       "        [-0.03104708],\n",
       "        [-0.12009708],\n",
       "        [-0.11747317],\n",
       "        [ 0.00445024],\n",
       "        [-0.06373498],\n",
       "        [-0.04980864],\n",
       "        [-0.14939833],\n",
       "        [-0.17742455],\n",
       "        [-0.0339148 ],\n",
       "        [-0.09853718],\n",
       "        [-0.04676006]], dtype=float32),\n",
       " 'linear/term_weights': array([[ 0.39632609],\n",
       "        [-0.42234984]], dtype=float32),\n",
       " 'linear/total_rec_late_fee_weight': array([[-4.36058617]], dtype=float32)}"
      ]
     },
     "execution_count": 157,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "model.linear_weights_"
   ]
  },
  {
   "cell_type": "markdown",
   "metadata": {},
   "source": [
    "# ADDING MORE FEATURES"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 109,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade_num</th>\n",
       "      <th>short_emp</th>\n",
       "      <th>emp_length_num</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>dti</th>\n",
       "      <th>purpose</th>\n",
       "      <th>payment_inc_ratio</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>delinq_2yrs_zero</th>\n",
       "      <th>...</th>\n",
       "      <th>pub_rec_zero</th>\n",
       "      <th>revol_util</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>total_rec_int</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>funded_amnt</th>\n",
       "      <th>funded_amnt_inv</th>\n",
       "      <th>installment</th>\n",
       "      <th>safe_loans</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>0</th>\n",
       "      <td>B</td>\n",
       "      <td>0.4</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>RENT</td>\n",
       "      <td>27.65</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>8.143500</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>83.70</td>\n",
       "      <td>0.00</td>\n",
       "      <td>10.65</td>\n",
       "      <td>861.07</td>\n",
       "      <td>24000.0</td>\n",
       "      <td>5000</td>\n",
       "      <td>4975</td>\n",
       "      <td>162.87</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>C</td>\n",
       "      <td>0.8</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>1.00</td>\n",
       "      <td>car</td>\n",
       "      <td>2.393200</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>9.40</td>\n",
       "      <td>0.00</td>\n",
       "      <td>15.27</td>\n",
       "      <td>435.17</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>2500</td>\n",
       "      <td>2500</td>\n",
       "      <td>59.83</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2</th>\n",
       "      <td>C</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>RENT</td>\n",
       "      <td>8.72</td>\n",
       "      <td>small_business</td>\n",
       "      <td>8.259550</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>98.50</td>\n",
       "      <td>0.00</td>\n",
       "      <td>15.96</td>\n",
       "      <td>603.65</td>\n",
       "      <td>12252.0</td>\n",
       "      <td>2400</td>\n",
       "      <td>2400</td>\n",
       "      <td>84.33</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>3</th>\n",
       "      <td>C</td>\n",
       "      <td>0.2</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>RENT</td>\n",
       "      <td>20.00</td>\n",
       "      <td>other</td>\n",
       "      <td>8.275850</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>21.00</td>\n",
       "      <td>16.97</td>\n",
       "      <td>13.49</td>\n",
       "      <td>2209.33</td>\n",
       "      <td>49200.0</td>\n",
       "      <td>10000</td>\n",
       "      <td>10000</td>\n",
       "      <td>339.31</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>4</th>\n",
       "      <td>A</td>\n",
       "      <td>0.8</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>RENT</td>\n",
       "      <td>11.20</td>\n",
       "      <td>wedding</td>\n",
       "      <td>5.215330</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>28.30</td>\n",
       "      <td>0.00</td>\n",
       "      <td>7.90</td>\n",
       "      <td>631.38</td>\n",
       "      <td>36000.0</td>\n",
       "      <td>5000</td>\n",
       "      <td>5000</td>\n",
       "      <td>156.46</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>5</th>\n",
       "      <td>E</td>\n",
       "      <td>0.2</td>\n",
       "      <td>0</td>\n",
       "      <td>10</td>\n",
       "      <td>RENT</td>\n",
       "      <td>5.35</td>\n",
       "      <td>car</td>\n",
       "      <td>2.735750</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>87.50</td>\n",
       "      <td>0.00</td>\n",
       "      <td>18.64</td>\n",
       "      <td>938.14</td>\n",
       "      <td>48000.0</td>\n",
       "      <td>3000</td>\n",
       "      <td>3000</td>\n",
       "      <td>109.43</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>6</th>\n",
       "      <td>F</td>\n",
       "      <td>0.4</td>\n",
       "      <td>0</td>\n",
       "      <td>5</td>\n",
       "      <td>OWN</td>\n",
       "      <td>5.55</td>\n",
       "      <td>small_business</td>\n",
       "      <td>4.571700</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>32.60</td>\n",
       "      <td>0.00</td>\n",
       "      <td>21.28</td>\n",
       "      <td>294.94</td>\n",
       "      <td>40000.0</td>\n",
       "      <td>5600</td>\n",
       "      <td>5600</td>\n",
       "      <td>152.39</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>7</th>\n",
       "      <td>B</td>\n",
       "      <td>1.0</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>18.08</td>\n",
       "      <td>other</td>\n",
       "      <td>9.716000</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>36.50</td>\n",
       "      <td>0.00</td>\n",
       "      <td>12.69</td>\n",
       "      <td>533.42</td>\n",
       "      <td>15000.0</td>\n",
       "      <td>5375</td>\n",
       "      <td>5350</td>\n",
       "      <td>121.45</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>8</th>\n",
       "      <td>C</td>\n",
       "      <td>0.6</td>\n",
       "      <td>0</td>\n",
       "      <td>6</td>\n",
       "      <td>OWN</td>\n",
       "      <td>16.12</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>2.557500</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>20.60</td>\n",
       "      <td>0.00</td>\n",
       "      <td>14.65</td>\n",
       "      <td>1177.52</td>\n",
       "      <td>72000.0</td>\n",
       "      <td>6500</td>\n",
       "      <td>6500</td>\n",
       "      <td>153.45</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>9</th>\n",
       "      <td>B</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>OWN</td>\n",
       "      <td>10.78</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>6.440640</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>67.10</td>\n",
       "      <td>0.00</td>\n",
       "      <td>12.69</td>\n",
       "      <td>1943.08</td>\n",
       "      <td>75000.0</td>\n",
       "      <td>12000</td>\n",
       "      <td>12000</td>\n",
       "      <td>402.54</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>10</th>\n",
       "      <td>C</td>\n",
       "      <td>0.2</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>10.08</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>12.215200</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>91.70</td>\n",
       "      <td>0.00</td>\n",
       "      <td>13.49</td>\n",
       "      <td>570.26</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>9000</td>\n",
       "      <td>9000</td>\n",
       "      <td>305.38</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>11</th>\n",
       "      <td>B</td>\n",
       "      <td>0.2</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>RENT</td>\n",
       "      <td>12.56</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>7.734400</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>43.10</td>\n",
       "      <td>0.00</td>\n",
       "      <td>9.91</td>\n",
       "      <td>478.98</td>\n",
       "      <td>15000.0</td>\n",
       "      <td>3000</td>\n",
       "      <td>3000</td>\n",
       "      <td>96.68</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>12</th>\n",
       "      <td>B</td>\n",
       "      <td>0.4</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>RENT</td>\n",
       "      <td>7.06</td>\n",
       "      <td>other</td>\n",
       "      <td>3.908880</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>55.50</td>\n",
       "      <td>0.00</td>\n",
       "      <td>10.65</td>\n",
       "      <td>1393.42</td>\n",
       "      <td>100000.0</td>\n",
       "      <td>10000</td>\n",
       "      <td>10000</td>\n",
       "      <td>325.74</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>13</th>\n",
       "      <td>D</td>\n",
       "      <td>0.2</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>20.31</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>1.513290</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>81.50</td>\n",
       "      <td>0.00</td>\n",
       "      <td>16.29</td>\n",
       "      <td>270.17</td>\n",
       "      <td>28000.0</td>\n",
       "      <td>1000</td>\n",
       "      <td>1000</td>\n",
       "      <td>35.31</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>14</th>\n",
       "      <td>C</td>\n",
       "      <td>0.8</td>\n",
       "      <td>0</td>\n",
       "      <td>5</td>\n",
       "      <td>RENT</td>\n",
       "      <td>18.60</td>\n",
       "      <td>home_improvement</td>\n",
       "      <td>9.942290</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>70.20</td>\n",
       "      <td>0.00</td>\n",
       "      <td>15.27</td>\n",
       "      <td>2519.26</td>\n",
       "      <td>42000.0</td>\n",
       "      <td>10000</td>\n",
       "      <td>10000</td>\n",
       "      <td>347.98</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>15</th>\n",
       "      <td>A</td>\n",
       "      <td>0.2</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>10.52</td>\n",
       "      <td>major_purchase</td>\n",
       "      <td>1.195310</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>16.00</td>\n",
       "      <td>0.00</td>\n",
       "      <td>6.03</td>\n",
       "      <td>185.02</td>\n",
       "      <td>110000.0</td>\n",
       "      <td>3600</td>\n",
       "      <td>3600</td>\n",
       "      <td>109.57</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>16</th>\n",
       "      <td>B</td>\n",
       "      <td>0.6</td>\n",
       "      <td>0</td>\n",
       "      <td>2</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>18.44</td>\n",
       "      <td>medical</td>\n",
       "      <td>2.835140</td>\n",
       "      <td>2.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>37.73</td>\n",
       "      <td>15.00</td>\n",
       "      <td>11.71</td>\n",
       "      <td>1149.50</td>\n",
       "      <td>84000.0</td>\n",
       "      <td>6000</td>\n",
       "      <td>6000</td>\n",
       "      <td>198.46</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>17</th>\n",
       "      <td>A</td>\n",
       "      <td>0.2</td>\n",
       "      <td>0</td>\n",
       "      <td>7</td>\n",
       "      <td>RENT</td>\n",
       "      <td>9.86</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>4.342080</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>23.10</td>\n",
       "      <td>0.00</td>\n",
       "      <td>6.03</td>\n",
       "      <td>259.96</td>\n",
       "      <td>77385.0</td>\n",
       "      <td>9200</td>\n",
       "      <td>9200</td>\n",
       "      <td>280.01</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>18</th>\n",
       "      <td>B</td>\n",
       "      <td>0.8</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>RENT</td>\n",
       "      <td>13.22</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>8.019770</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>90.30</td>\n",
       "      <td>0.00</td>\n",
       "      <td>12.42</td>\n",
       "      <td>3330.44</td>\n",
       "      <td>105000.0</td>\n",
       "      <td>21000</td>\n",
       "      <td>21000</td>\n",
       "      <td>701.73</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>19</th>\n",
       "      <td>B</td>\n",
       "      <td>0.6</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>OWN</td>\n",
       "      <td>11.18</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>7.938240</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>82.40</td>\n",
       "      <td>0.00</td>\n",
       "      <td>11.71</td>\n",
       "      <td>1902.56</td>\n",
       "      <td>50000.0</td>\n",
       "      <td>10000</td>\n",
       "      <td>10000</td>\n",
       "      <td>330.76</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>20</th>\n",
       "      <td>B</td>\n",
       "      <td>0.6</td>\n",
       "      <td>0</td>\n",
       "      <td>6</td>\n",
       "      <td>RENT</td>\n",
       "      <td>16.01</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>7.938240</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>91.80</td>\n",
       "      <td>0.00</td>\n",
       "      <td>11.71</td>\n",
       "      <td>1536.31</td>\n",
       "      <td>50000.0</td>\n",
       "      <td>10000</td>\n",
       "      <td>10000</td>\n",
       "      <td>330.76</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>21</th>\n",
       "      <td>B</td>\n",
       "      <td>0.6</td>\n",
       "      <td>0</td>\n",
       "      <td>2</td>\n",
       "      <td>RENT</td>\n",
       "      <td>2.40</td>\n",
       "      <td>major_purchase</td>\n",
       "      <td>3.133580</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>29.70</td>\n",
       "      <td>0.00</td>\n",
       "      <td>11.71</td>\n",
       "      <td>475.25</td>\n",
       "      <td>76000.0</td>\n",
       "      <td>6000</td>\n",
       "      <td>6000</td>\n",
       "      <td>198.46</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>22</th>\n",
       "      <td>B</td>\n",
       "      <td>0.2</td>\n",
       "      <td>0</td>\n",
       "      <td>3</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>29.44</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>6.304960</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>93.90</td>\n",
       "      <td>0.00</td>\n",
       "      <td>9.91</td>\n",
       "      <td>823.48</td>\n",
       "      <td>92000.0</td>\n",
       "      <td>15000</td>\n",
       "      <td>15000</td>\n",
       "      <td>483.38</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>23</th>\n",
       "      <td>C</td>\n",
       "      <td>0.4</td>\n",
       "      <td>0</td>\n",
       "      <td>10</td>\n",
       "      <td>RENT</td>\n",
       "      <td>15.22</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>10.292800</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>57.60</td>\n",
       "      <td>0.00</td>\n",
       "      <td>14.27</td>\n",
       "      <td>0.00</td>\n",
       "      <td>60000.0</td>\n",
       "      <td>15000</td>\n",
       "      <td>8725</td>\n",
       "      <td>514.64</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>24</th>\n",
       "      <td>D</td>\n",
       "      <td>0.4</td>\n",
       "      <td>0</td>\n",
       "      <td>3</td>\n",
       "      <td>RENT</td>\n",
       "      <td>13.97</td>\n",
       "      <td>other</td>\n",
       "      <td>2.967360</td>\n",
       "      <td>3.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>59.50</td>\n",
       "      <td>0.00</td>\n",
       "      <td>16.77</td>\n",
       "      <td>719.11</td>\n",
       "      <td>50004.0</td>\n",
       "      <td>5000</td>\n",
       "      <td>5000</td>\n",
       "      <td>123.65</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>25</th>\n",
       "      <td>B</td>\n",
       "      <td>0.6</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>5.63</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>1.497850</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>37.70</td>\n",
       "      <td>0.00</td>\n",
       "      <td>11.71</td>\n",
       "      <td>484.79</td>\n",
       "      <td>106000.0</td>\n",
       "      <td>4000</td>\n",
       "      <td>4000</td>\n",
       "      <td>132.31</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>26</th>\n",
       "      <td>B</td>\n",
       "      <td>0.6</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>12.19</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>13.495200</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>59.10</td>\n",
       "      <td>0.00</td>\n",
       "      <td>11.71</td>\n",
       "      <td>1622.21</td>\n",
       "      <td>25000.0</td>\n",
       "      <td>8500</td>\n",
       "      <td>8500</td>\n",
       "      <td>281.15</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>27</th>\n",
       "      <td>A</td>\n",
       "      <td>0.6</td>\n",
       "      <td>0</td>\n",
       "      <td>8</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>20.34</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>9.547110</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>86.90</td>\n",
       "      <td>0.00</td>\n",
       "      <td>7.51</td>\n",
       "      <td>523.54</td>\n",
       "      <td>17108.0</td>\n",
       "      <td>4375</td>\n",
       "      <td>4375</td>\n",
       "      <td>136.11</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>28</th>\n",
       "      <td>A</td>\n",
       "      <td>0.8</td>\n",
       "      <td>0</td>\n",
       "      <td>6</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>14.03</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>15.933100</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>27.40</td>\n",
       "      <td>0.00</td>\n",
       "      <td>7.90</td>\n",
       "      <td>3061.08</td>\n",
       "      <td>75000.0</td>\n",
       "      <td>31825</td>\n",
       "      <td>31825</td>\n",
       "      <td>995.82</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>29</th>\n",
       "      <td>A</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0</td>\n",
       "      <td>3</td>\n",
       "      <td>RENT</td>\n",
       "      <td>11.93</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>7.923970</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>29.30</td>\n",
       "      <td>0.00</td>\n",
       "      <td>8.90</td>\n",
       "      <td>714.59</td>\n",
       "      <td>24044.0</td>\n",
       "      <td>5000</td>\n",
       "      <td>5000</td>\n",
       "      <td>158.77</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>...</th>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "      <td>...</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122577</th>\n",
       "      <td>A</td>\n",
       "      <td>0.8</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>RENT</td>\n",
       "      <td>13.95</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>9.133620</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>48.00</td>\n",
       "      <td>0.00</td>\n",
       "      <td>7.90</td>\n",
       "      <td>333.45</td>\n",
       "      <td>37000.0</td>\n",
       "      <td>9000</td>\n",
       "      <td>9000</td>\n",
       "      <td>281.62</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122578</th>\n",
       "      <td>F</td>\n",
       "      <td>0.4</td>\n",
       "      <td>0</td>\n",
       "      <td>7</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>13.85</td>\n",
       "      <td>small_business</td>\n",
       "      <td>7.409490</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>61.20</td>\n",
       "      <td>0.00</td>\n",
       "      <td>24.08</td>\n",
       "      <td>1625.79</td>\n",
       "      <td>70000.0</td>\n",
       "      <td>15000</td>\n",
       "      <td>15000</td>\n",
       "      <td>432.22</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122579</th>\n",
       "      <td>B</td>\n",
       "      <td>0.4</td>\n",
       "      <td>0</td>\n",
       "      <td>9</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>9.63</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>13.158000</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>59.20</td>\n",
       "      <td>0.00</td>\n",
       "      <td>10.99</td>\n",
       "      <td>741.17</td>\n",
       "      <td>62692.0</td>\n",
       "      <td>21000</td>\n",
       "      <td>20800</td>\n",
       "      <td>687.42</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122580</th>\n",
       "      <td>B</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0</td>\n",
       "      <td>2</td>\n",
       "      <td>RENT</td>\n",
       "      <td>27.75</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>6.632090</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>83.60</td>\n",
       "      <td>0.00</td>\n",
       "      <td>13.53</td>\n",
       "      <td>445.95</td>\n",
       "      <td>43000.0</td>\n",
       "      <td>7000</td>\n",
       "      <td>6900</td>\n",
       "      <td>237.65</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122581</th>\n",
       "      <td>C</td>\n",
       "      <td>1.0</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>15.60</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>10.582900</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>46.70</td>\n",
       "      <td>0.00</td>\n",
       "      <td>16.24</td>\n",
       "      <td>1190.93</td>\n",
       "      <td>33000.0</td>\n",
       "      <td>8250</td>\n",
       "      <td>8250</td>\n",
       "      <td>291.03</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122582</th>\n",
       "      <td>D</td>\n",
       "      <td>0.6</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>15.73</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>8.654240</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>36.60</td>\n",
       "      <td>0.00</td>\n",
       "      <td>18.25</td>\n",
       "      <td>1518.27</td>\n",
       "      <td>35400.0</td>\n",
       "      <td>10000</td>\n",
       "      <td>10000</td>\n",
       "      <td>255.30</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122583</th>\n",
       "      <td>C</td>\n",
       "      <td>0.8</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>18.09</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>14.685300</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>0.00</td>\n",
       "      <td>15.61</td>\n",
       "      <td>460.65</td>\n",
       "      <td>27000.0</td>\n",
       "      <td>9450</td>\n",
       "      <td>9450</td>\n",
       "      <td>330.42</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122584</th>\n",
       "      <td>C</td>\n",
       "      <td>0.6</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>RENT</td>\n",
       "      <td>30.28</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>17.154800</td>\n",
       "      <td>4.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>43.60</td>\n",
       "      <td>0.00</td>\n",
       "      <td>14.98</td>\n",
       "      <td>1426.18</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>12375</td>\n",
       "      <td>12375</td>\n",
       "      <td>428.87</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122585</th>\n",
       "      <td>D</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0</td>\n",
       "      <td>7</td>\n",
       "      <td>OWN</td>\n",
       "      <td>23.58</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>11.681800</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>51.60</td>\n",
       "      <td>0.00</td>\n",
       "      <td>19.97</td>\n",
       "      <td>1808.11</td>\n",
       "      <td>75000.0</td>\n",
       "      <td>27575</td>\n",
       "      <td>27575</td>\n",
       "      <td>730.11</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122586</th>\n",
       "      <td>E</td>\n",
       "      <td>0.4</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>22.83</td>\n",
       "      <td>medical</td>\n",
       "      <td>10.692200</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>42.10</td>\n",
       "      <td>0.00</td>\n",
       "      <td>21.48</td>\n",
       "      <td>2189.70</td>\n",
       "      <td>55200.0</td>\n",
       "      <td>18000</td>\n",
       "      <td>18000</td>\n",
       "      <td>491.84</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122587</th>\n",
       "      <td>C</td>\n",
       "      <td>0.6</td>\n",
       "      <td>0</td>\n",
       "      <td>9</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>11.48</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>6.341240</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>64.70</td>\n",
       "      <td>0.00</td>\n",
       "      <td>14.98</td>\n",
       "      <td>1374.08</td>\n",
       "      <td>126000.0</td>\n",
       "      <td>28000</td>\n",
       "      <td>28000</td>\n",
       "      <td>665.83</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122588</th>\n",
       "      <td>A</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>OWN</td>\n",
       "      <td>7.57</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>3.556400</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>34.40</td>\n",
       "      <td>0.00</td>\n",
       "      <td>8.90</td>\n",
       "      <td>103.84</td>\n",
       "      <td>150000.0</td>\n",
       "      <td>14000</td>\n",
       "      <td>14000</td>\n",
       "      <td>444.55</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122589</th>\n",
       "      <td>C</td>\n",
       "      <td>0.2</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>7.13</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>7.442530</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>69.80</td>\n",
       "      <td>0.00</td>\n",
       "      <td>13.98</td>\n",
       "      <td>2890.19</td>\n",
       "      <td>90000.0</td>\n",
       "      <td>24000</td>\n",
       "      <td>23800</td>\n",
       "      <td>558.19</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122590</th>\n",
       "      <td>B</td>\n",
       "      <td>1.0</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>OWN</td>\n",
       "      <td>19.62</td>\n",
       "      <td>small_business</td>\n",
       "      <td>11.010800</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>68.50</td>\n",
       "      <td>0.00</td>\n",
       "      <td>13.53</td>\n",
       "      <td>828.78</td>\n",
       "      <td>37000.0</td>\n",
       "      <td>10000</td>\n",
       "      <td>10000</td>\n",
       "      <td>339.50</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122591</th>\n",
       "      <td>C</td>\n",
       "      <td>0.6</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>14.02</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>6.658300</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>71.20</td>\n",
       "      <td>0.00</td>\n",
       "      <td>14.98</td>\n",
       "      <td>2999.44</td>\n",
       "      <td>120000.0</td>\n",
       "      <td>28000</td>\n",
       "      <td>28000</td>\n",
       "      <td>665.83</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122592</th>\n",
       "      <td>B</td>\n",
       "      <td>0.6</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>RENT</td>\n",
       "      <td>4.02</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>4.981500</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>0.0</td>\n",
       "      <td>68.60</td>\n",
       "      <td>0.00</td>\n",
       "      <td>11.99</td>\n",
       "      <td>733.05</td>\n",
       "      <td>80000.0</td>\n",
       "      <td>10000</td>\n",
       "      <td>9925</td>\n",
       "      <td>332.10</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122593</th>\n",
       "      <td>E</td>\n",
       "      <td>0.6</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>11.23</td>\n",
       "      <td>home_improvement</td>\n",
       "      <td>8.115430</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>84.30</td>\n",
       "      <td>0.00</td>\n",
       "      <td>22.40</td>\n",
       "      <td>3034.68</td>\n",
       "      <td>70000.0</td>\n",
       "      <td>17000</td>\n",
       "      <td>17000</td>\n",
       "      <td>473.40</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122594</th>\n",
       "      <td>C</td>\n",
       "      <td>0.6</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>OWN</td>\n",
       "      <td>26.21</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>8.154410</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>0.0</td>\n",
       "      <td>28.40</td>\n",
       "      <td>0.00</td>\n",
       "      <td>14.98</td>\n",
       "      <td>292.88</td>\n",
       "      <td>40800.0</td>\n",
       "      <td>8000</td>\n",
       "      <td>8000</td>\n",
       "      <td>277.25</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122595</th>\n",
       "      <td>C</td>\n",
       "      <td>0.4</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>7.21</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>3.385860</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>29.80</td>\n",
       "      <td>0.00</td>\n",
       "      <td>14.47</td>\n",
       "      <td>2739.93</td>\n",
       "      <td>200000.0</td>\n",
       "      <td>24000</td>\n",
       "      <td>24000</td>\n",
       "      <td>564.31</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122596</th>\n",
       "      <td>D</td>\n",
       "      <td>0.2</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>19.56</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>17.824000</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>0.0</td>\n",
       "      <td>52.50</td>\n",
       "      <td>0.00</td>\n",
       "      <td>16.99</td>\n",
       "      <td>2369.60</td>\n",
       "      <td>84000.0</td>\n",
       "      <td>35000</td>\n",
       "      <td>35000</td>\n",
       "      <td>1247.68</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122597</th>\n",
       "      <td>E</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>23.90</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>11.702700</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>57.00</td>\n",
       "      <td>0.00</td>\n",
       "      <td>23.40</td>\n",
       "      <td>1358.58</td>\n",
       "      <td>102000.0</td>\n",
       "      <td>35000</td>\n",
       "      <td>35000</td>\n",
       "      <td>994.73</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122598</th>\n",
       "      <td>A</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0</td>\n",
       "      <td>3</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>14.60</td>\n",
       "      <td>medical</td>\n",
       "      <td>1.465570</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>82.70</td>\n",
       "      <td>0.00</td>\n",
       "      <td>8.90</td>\n",
       "      <td>208.77</td>\n",
       "      <td>130000.0</td>\n",
       "      <td>5000</td>\n",
       "      <td>5000</td>\n",
       "      <td>158.77</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122599</th>\n",
       "      <td>G</td>\n",
       "      <td>0.4</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>26.27</td>\n",
       "      <td>medical</td>\n",
       "      <td>14.323200</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>94.10</td>\n",
       "      <td>0.00</td>\n",
       "      <td>25.83</td>\n",
       "      <td>2537.29</td>\n",
       "      <td>60000.0</td>\n",
       "      <td>24000</td>\n",
       "      <td>23925</td>\n",
       "      <td>716.16</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122600</th>\n",
       "      <td>D</td>\n",
       "      <td>0.6</td>\n",
       "      <td>1</td>\n",
       "      <td>1</td>\n",
       "      <td>RENT</td>\n",
       "      <td>6.41</td>\n",
       "      <td>other</td>\n",
       "      <td>2.720870</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>55.90</td>\n",
       "      <td>0.00</td>\n",
       "      <td>18.25</td>\n",
       "      <td>822.38</td>\n",
       "      <td>96000.0</td>\n",
       "      <td>6000</td>\n",
       "      <td>6000</td>\n",
       "      <td>217.67</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122601</th>\n",
       "      <td>B</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0</td>\n",
       "      <td>5</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>18.69</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>5.432000</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>29.50</td>\n",
       "      <td>0.00</td>\n",
       "      <td>13.53</td>\n",
       "      <td>497.25</td>\n",
       "      <td>45000.0</td>\n",
       "      <td>6000</td>\n",
       "      <td>6000</td>\n",
       "      <td>203.70</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122602</th>\n",
       "      <td>E</td>\n",
       "      <td>1.0</td>\n",
       "      <td>1</td>\n",
       "      <td>0</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>1.50</td>\n",
       "      <td>medical</td>\n",
       "      <td>4.487630</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>14.60</td>\n",
       "      <td>0.00</td>\n",
       "      <td>23.40</td>\n",
       "      <td>347.78</td>\n",
       "      <td>45600.0</td>\n",
       "      <td>6000</td>\n",
       "      <td>6000</td>\n",
       "      <td>170.53</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122603</th>\n",
       "      <td>D</td>\n",
       "      <td>0.4</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>11.26</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>10.117800</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>0.0</td>\n",
       "      <td>15.20</td>\n",
       "      <td>0.00</td>\n",
       "      <td>17.57</td>\n",
       "      <td>654.95</td>\n",
       "      <td>65000.0</td>\n",
       "      <td>15250</td>\n",
       "      <td>15250</td>\n",
       "      <td>548.05</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122604</th>\n",
       "      <td>D</td>\n",
       "      <td>0.6</td>\n",
       "      <td>0</td>\n",
       "      <td>6</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>12.28</td>\n",
       "      <td>medical</td>\n",
       "      <td>6.958120</td>\n",
       "      <td>4.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>10.70</td>\n",
       "      <td>0.00</td>\n",
       "      <td>18.25</td>\n",
       "      <td>510.45</td>\n",
       "      <td>37536.0</td>\n",
       "      <td>8525</td>\n",
       "      <td>8525</td>\n",
       "      <td>217.65</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122605</th>\n",
       "      <td>D</td>\n",
       "      <td>1.0</td>\n",
       "      <td>0</td>\n",
       "      <td>11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>18.45</td>\n",
       "      <td>debt_consolidation</td>\n",
       "      <td>8.961540</td>\n",
       "      <td>0.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>...</td>\n",
       "      <td>0.0</td>\n",
       "      <td>46.30</td>\n",
       "      <td>0.00</td>\n",
       "      <td>19.97</td>\n",
       "      <td>2840.88</td>\n",
       "      <td>78000.0</td>\n",
       "      <td>22000</td>\n",
       "      <td>22000</td>\n",
       "      <td>582.50</td>\n",
       "      <td>-1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>122606</th>\n",
       "      <td>A</td>\n",
       "      <td>0.8</td>\n",
       "      <td>0</td>\n",
       "      <td>4</td>\n",
       "      <td>OWN</td>\n",
       "      <td>5.39</td>\n",
       "      <td>credit_card</td>\n",
       "      <td>0.904916</td>\n",
       "      <td>3.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>...</td>\n",
       "      <td>1.0</td>\n",
       "      <td>21.50</td>\n",
       "      <td>0.00</td>\n",
       "      <td>7.90</td>\n",
       "      <td>126.58</td>\n",
       "      <td>83000.0</td>\n",
       "      <td>2000</td>\n",
       "      <td>2000</td>\n",
       "      <td>62.59</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "<p>122607 rows × 25 columns</p>\n",
       "</div>"
      ],
      "text/plain": [
       "       grade  sub_grade_num  short_emp  emp_length_num home_ownership    dti  \\\n",
       "0          B            0.4          0              11           RENT  27.65   \n",
       "1          C            0.8          1               1           RENT   1.00   \n",
       "2          C            1.0          0              11           RENT   8.72   \n",
       "3          C            0.2          0              11           RENT  20.00   \n",
       "4          A            0.8          0               4           RENT  11.20   \n",
       "5          E            0.2          0              10           RENT   5.35   \n",
       "6          F            0.4          0               5            OWN   5.55   \n",
       "7          B            1.0          1               1           RENT  18.08   \n",
       "8          C            0.6          0               6            OWN  16.12   \n",
       "9          B            1.0          0              11            OWN  10.78   \n",
       "10         C            0.2          1               1           RENT  10.08   \n",
       "11         B            0.2          0               4           RENT  12.56   \n",
       "12         B            0.4          0               4           RENT   7.06   \n",
       "13         D            0.2          1               1           RENT  20.31   \n",
       "14         C            0.8          0               5           RENT  18.60   \n",
       "15         A            0.2          0              11       MORTGAGE  10.52   \n",
       "16         B            0.6          0               2       MORTGAGE  18.44   \n",
       "17         A            0.2          0               7           RENT   9.86   \n",
       "18         B            0.8          0              11           RENT  13.22   \n",
       "19         B            0.6          0              11            OWN  11.18   \n",
       "20         B            0.6          0               6           RENT  16.01   \n",
       "21         B            0.6          0               2           RENT   2.40   \n",
       "22         B            0.2          0               3       MORTGAGE  29.44   \n",
       "23         C            0.4          0              10           RENT  15.22   \n",
       "24         D            0.4          0               3           RENT  13.97   \n",
       "25         B            0.6          0              11       MORTGAGE   5.63   \n",
       "26         B            0.6          1               1           RENT  12.19   \n",
       "27         A            0.6          0               8       MORTGAGE  20.34   \n",
       "28         A            0.8          0               6       MORTGAGE  14.03   \n",
       "29         A            1.0          0               3           RENT  11.93   \n",
       "...      ...            ...        ...             ...            ...    ...   \n",
       "122577     A            0.8          0              11           RENT  13.95   \n",
       "122578     F            0.4          0               7       MORTGAGE  13.85   \n",
       "122579     B            0.4          0               9       MORTGAGE   9.63   \n",
       "122580     B            1.0          0               2           RENT  27.75   \n",
       "122581     C            1.0          1               1           RENT  15.60   \n",
       "122582     D            0.6          0              11       MORTGAGE  15.73   \n",
       "122583     C            0.8          1               1           RENT  18.09   \n",
       "122584     C            0.6          0               4           RENT  30.28   \n",
       "122585     D            1.0          0               7            OWN  23.58   \n",
       "122586     E            0.4          0               4       MORTGAGE  22.83   \n",
       "122587     C            0.6          0               9       MORTGAGE  11.48   \n",
       "122588     A            1.0          0               4            OWN   7.57   \n",
       "122589     C            0.2          0              11       MORTGAGE   7.13   \n",
       "122590     B            1.0          1               1            OWN  19.62   \n",
       "122591     C            0.6          0               4       MORTGAGE  14.02   \n",
       "122592     B            0.6          0              11           RENT   4.02   \n",
       "122593     E            0.6          0              11       MORTGAGE  11.23   \n",
       "122594     C            0.6          1               1            OWN  26.21   \n",
       "122595     C            0.4          0              11       MORTGAGE   7.21   \n",
       "122596     D            0.2          0              11       MORTGAGE  19.56   \n",
       "122597     E            1.0          0              11       MORTGAGE  23.90   \n",
       "122598     A            1.0          0               3       MORTGAGE  14.60   \n",
       "122599     G            0.4          0              11       MORTGAGE  26.27   \n",
       "122600     D            0.6          1               1           RENT   6.41   \n",
       "122601     B            1.0          0               5       MORTGAGE  18.69   \n",
       "122602     E            1.0          1               0       MORTGAGE   1.50   \n",
       "122603     D            0.4          0              11       MORTGAGE  11.26   \n",
       "122604     D            0.6          0               6       MORTGAGE  12.28   \n",
       "122605     D            1.0          0              11       MORTGAGE  18.45   \n",
       "122606     A            0.8          0               4            OWN   5.39   \n",
       "\n",
       "                   purpose  payment_inc_ratio  delinq_2yrs  delinq_2yrs_zero  \\\n",
       "0              credit_card           8.143500          0.0               1.0   \n",
       "1                      car           2.393200          0.0               1.0   \n",
       "2           small_business           8.259550          0.0               1.0   \n",
       "3                    other           8.275850          0.0               1.0   \n",
       "4                  wedding           5.215330          0.0               1.0   \n",
       "5                      car           2.735750          0.0               1.0   \n",
       "6           small_business           4.571700          0.0               1.0   \n",
       "7                    other           9.716000          0.0               1.0   \n",
       "8       debt_consolidation           2.557500          0.0               1.0   \n",
       "9       debt_consolidation           6.440640          0.0               1.0   \n",
       "10      debt_consolidation          12.215200          0.0               1.0   \n",
       "11             credit_card           7.734400          0.0               1.0   \n",
       "12                   other           3.908880          0.0               1.0   \n",
       "13      debt_consolidation           1.513290          0.0               1.0   \n",
       "14        home_improvement           9.942290          0.0               1.0   \n",
       "15          major_purchase           1.195310          0.0               1.0   \n",
       "16                 medical           2.835140          2.0               0.0   \n",
       "17      debt_consolidation           4.342080          0.0               1.0   \n",
       "18      debt_consolidation           8.019770          0.0               1.0   \n",
       "19             credit_card           7.938240          0.0               1.0   \n",
       "20      debt_consolidation           7.938240          0.0               1.0   \n",
       "21          major_purchase           3.133580          0.0               1.0   \n",
       "22             credit_card           6.304960          0.0               1.0   \n",
       "23      debt_consolidation          10.292800          0.0               1.0   \n",
       "24                   other           2.967360          3.0               0.0   \n",
       "25      debt_consolidation           1.497850          1.0               0.0   \n",
       "26             credit_card          13.495200          0.0               1.0   \n",
       "27      debt_consolidation           9.547110          0.0               1.0   \n",
       "28      debt_consolidation          15.933100          0.0               1.0   \n",
       "29      debt_consolidation           7.923970          0.0               1.0   \n",
       "...                    ...                ...          ...               ...   \n",
       "122577         credit_card           9.133620          0.0               1.0   \n",
       "122578      small_business           7.409490          0.0               1.0   \n",
       "122579  debt_consolidation          13.158000          1.0               0.0   \n",
       "122580  debt_consolidation           6.632090          0.0               1.0   \n",
       "122581  debt_consolidation          10.582900          0.0               1.0   \n",
       "122582         credit_card           8.654240          0.0               1.0   \n",
       "122583  debt_consolidation          14.685300          0.0               1.0   \n",
       "122584         credit_card          17.154800          4.0               0.0   \n",
       "122585  debt_consolidation          11.681800          0.0               1.0   \n",
       "122586             medical          10.692200          1.0               0.0   \n",
       "122587  debt_consolidation           6.341240          0.0               1.0   \n",
       "122588  debt_consolidation           3.556400          0.0               1.0   \n",
       "122589         credit_card           7.442530          0.0               1.0   \n",
       "122590      small_business          11.010800          0.0               1.0   \n",
       "122591         credit_card           6.658300          0.0               1.0   \n",
       "122592  debt_consolidation           4.981500          1.0               0.0   \n",
       "122593    home_improvement           8.115430          0.0               1.0   \n",
       "122594         credit_card           8.154410          0.0               1.0   \n",
       "122595         credit_card           3.385860          0.0               1.0   \n",
       "122596  debt_consolidation          17.824000          1.0               0.0   \n",
       "122597         credit_card          11.702700          1.0               0.0   \n",
       "122598             medical           1.465570          0.0               1.0   \n",
       "122599             medical          14.323200          1.0               0.0   \n",
       "122600               other           2.720870          0.0               1.0   \n",
       "122601  debt_consolidation           5.432000          1.0               0.0   \n",
       "122602             medical           4.487630          1.0               0.0   \n",
       "122603  debt_consolidation          10.117800          1.0               0.0   \n",
       "122604             medical           6.958120          4.0               0.0   \n",
       "122605  debt_consolidation           8.961540          0.0               1.0   \n",
       "122606         credit_card           0.904916          3.0               0.0   \n",
       "\n",
       "           ...      pub_rec_zero  revol_util  total_rec_late_fee  int_rate  \\\n",
       "0          ...               1.0       83.70                0.00     10.65   \n",
       "1          ...               1.0        9.40                0.00     15.27   \n",
       "2          ...               1.0       98.50                0.00     15.96   \n",
       "3          ...               1.0       21.00               16.97     13.49   \n",
       "4          ...               1.0       28.30                0.00      7.90   \n",
       "5          ...               1.0       87.50                0.00     18.64   \n",
       "6          ...               1.0       32.60                0.00     21.28   \n",
       "7          ...               1.0       36.50                0.00     12.69   \n",
       "8          ...               1.0       20.60                0.00     14.65   \n",
       "9          ...               1.0       67.10                0.00     12.69   \n",
       "10         ...               1.0       91.70                0.00     13.49   \n",
       "11         ...               1.0       43.10                0.00      9.91   \n",
       "12         ...               1.0       55.50                0.00     10.65   \n",
       "13         ...               1.0       81.50                0.00     16.29   \n",
       "14         ...               1.0       70.20                0.00     15.27   \n",
       "15         ...               1.0       16.00                0.00      6.03   \n",
       "16         ...               1.0       37.73               15.00     11.71   \n",
       "17         ...               1.0       23.10                0.00      6.03   \n",
       "18         ...               1.0       90.30                0.00     12.42   \n",
       "19         ...               1.0       82.40                0.00     11.71   \n",
       "20         ...               1.0       91.80                0.00     11.71   \n",
       "21         ...               1.0       29.70                0.00     11.71   \n",
       "22         ...               1.0       93.90                0.00      9.91   \n",
       "23         ...               1.0       57.60                0.00     14.27   \n",
       "24         ...               1.0       59.50                0.00     16.77   \n",
       "25         ...               1.0       37.70                0.00     11.71   \n",
       "26         ...               1.0       59.10                0.00     11.71   \n",
       "27         ...               1.0       86.90                0.00      7.51   \n",
       "28         ...               1.0       27.40                0.00      7.90   \n",
       "29         ...               1.0       29.30                0.00      8.90   \n",
       "...        ...               ...         ...                 ...       ...   \n",
       "122577     ...               1.0       48.00                0.00      7.90   \n",
       "122578     ...               1.0       61.20                0.00     24.08   \n",
       "122579     ...               1.0       59.20                0.00     10.99   \n",
       "122580     ...               1.0       83.60                0.00     13.53   \n",
       "122581     ...               1.0       46.70                0.00     16.24   \n",
       "122582     ...               1.0       36.60                0.00     18.25   \n",
       "122583     ...               1.0        0.00                0.00     15.61   \n",
       "122584     ...               1.0       43.60                0.00     14.98   \n",
       "122585     ...               1.0       51.60                0.00     19.97   \n",
       "122586     ...               1.0       42.10                0.00     21.48   \n",
       "122587     ...               1.0       64.70                0.00     14.98   \n",
       "122588     ...               1.0       34.40                0.00      8.90   \n",
       "122589     ...               1.0       69.80                0.00     13.98   \n",
       "122590     ...               1.0       68.50                0.00     13.53   \n",
       "122591     ...               1.0       71.20                0.00     14.98   \n",
       "122592     ...               0.0       68.60                0.00     11.99   \n",
       "122593     ...               1.0       84.30                0.00     22.40   \n",
       "122594     ...               0.0       28.40                0.00     14.98   \n",
       "122595     ...               1.0       29.80                0.00     14.47   \n",
       "122596     ...               0.0       52.50                0.00     16.99   \n",
       "122597     ...               1.0       57.00                0.00     23.40   \n",
       "122598     ...               1.0       82.70                0.00      8.90   \n",
       "122599     ...               1.0       94.10                0.00     25.83   \n",
       "122600     ...               1.0       55.90                0.00     18.25   \n",
       "122601     ...               1.0       29.50                0.00     13.53   \n",
       "122602     ...               1.0       14.60                0.00     23.40   \n",
       "122603     ...               0.0       15.20                0.00     17.57   \n",
       "122604     ...               1.0       10.70                0.00     18.25   \n",
       "122605     ...               0.0       46.30                0.00     19.97   \n",
       "122606     ...               1.0       21.50                0.00      7.90   \n",
       "\n",
       "        total_rec_int  annual_inc  funded_amnt  funded_amnt_inv  installment  \\\n",
       "0              861.07     24000.0         5000             4975       162.87   \n",
       "1              435.17     30000.0         2500             2500        59.83   \n",
       "2              603.65     12252.0         2400             2400        84.33   \n",
       "3             2209.33     49200.0        10000            10000       339.31   \n",
       "4              631.38     36000.0         5000             5000       156.46   \n",
       "5              938.14     48000.0         3000             3000       109.43   \n",
       "6              294.94     40000.0         5600             5600       152.39   \n",
       "7              533.42     15000.0         5375             5350       121.45   \n",
       "8             1177.52     72000.0         6500             6500       153.45   \n",
       "9             1943.08     75000.0        12000            12000       402.54   \n",
       "10             570.26     30000.0         9000             9000       305.38   \n",
       "11             478.98     15000.0         3000             3000        96.68   \n",
       "12            1393.42    100000.0        10000            10000       325.74   \n",
       "13             270.17     28000.0         1000             1000        35.31   \n",
       "14            2519.26     42000.0        10000            10000       347.98   \n",
       "15             185.02    110000.0         3600             3600       109.57   \n",
       "16            1149.50     84000.0         6000             6000       198.46   \n",
       "17             259.96     77385.0         9200             9200       280.01   \n",
       "18            3330.44    105000.0        21000            21000       701.73   \n",
       "19            1902.56     50000.0        10000            10000       330.76   \n",
       "20            1536.31     50000.0        10000            10000       330.76   \n",
       "21             475.25     76000.0         6000             6000       198.46   \n",
       "22             823.48     92000.0        15000            15000       483.38   \n",
       "23               0.00     60000.0        15000             8725       514.64   \n",
       "24             719.11     50004.0         5000             5000       123.65   \n",
       "25             484.79    106000.0         4000             4000       132.31   \n",
       "26            1622.21     25000.0         8500             8500       281.15   \n",
       "27             523.54     17108.0         4375             4375       136.11   \n",
       "28            3061.08     75000.0        31825            31825       995.82   \n",
       "29             714.59     24044.0         5000             5000       158.77   \n",
       "...               ...         ...          ...              ...          ...   \n",
       "122577         333.45     37000.0         9000             9000       281.62   \n",
       "122578        1625.79     70000.0        15000            15000       432.22   \n",
       "122579         741.17     62692.0        21000            20800       687.42   \n",
       "122580         445.95     43000.0         7000             6900       237.65   \n",
       "122581        1190.93     33000.0         8250             8250       291.03   \n",
       "122582        1518.27     35400.0        10000            10000       255.30   \n",
       "122583         460.65     27000.0         9450             9450       330.42   \n",
       "122584        1426.18     30000.0        12375            12375       428.87   \n",
       "122585        1808.11     75000.0        27575            27575       730.11   \n",
       "122586        2189.70     55200.0        18000            18000       491.84   \n",
       "122587        1374.08    126000.0        28000            28000       665.83   \n",
       "122588         103.84    150000.0        14000            14000       444.55   \n",
       "122589        2890.19     90000.0        24000            23800       558.19   \n",
       "122590         828.78     37000.0        10000            10000       339.50   \n",
       "122591        2999.44    120000.0        28000            28000       665.83   \n",
       "122592         733.05     80000.0        10000             9925       332.10   \n",
       "122593        3034.68     70000.0        17000            17000       473.40   \n",
       "122594         292.88     40800.0         8000             8000       277.25   \n",
       "122595        2739.93    200000.0        24000            24000       564.31   \n",
       "122596        2369.60     84000.0        35000            35000      1247.68   \n",
       "122597        1358.58    102000.0        35000            35000       994.73   \n",
       "122598         208.77    130000.0         5000             5000       158.77   \n",
       "122599        2537.29     60000.0        24000            23925       716.16   \n",
       "122600         822.38     96000.0         6000             6000       217.67   \n",
       "122601         497.25     45000.0         6000             6000       203.70   \n",
       "122602         347.78     45600.0         6000             6000       170.53   \n",
       "122603         654.95     65000.0        15250            15250       548.05   \n",
       "122604         510.45     37536.0         8525             8525       217.65   \n",
       "122605        2840.88     78000.0        22000            22000       582.50   \n",
       "122606         126.58     83000.0         2000             2000        62.59   \n",
       "\n",
       "        safe_loans  \n",
       "0                1  \n",
       "1               -1  \n",
       "2                1  \n",
       "3                1  \n",
       "4                1  \n",
       "5                1  \n",
       "6               -1  \n",
       "7               -1  \n",
       "8                1  \n",
       "9                1  \n",
       "10              -1  \n",
       "11               1  \n",
       "12              -1  \n",
       "13               1  \n",
       "14               1  \n",
       "15               1  \n",
       "16               1  \n",
       "17               1  \n",
       "18              -1  \n",
       "19               1  \n",
       "20               1  \n",
       "21              -1  \n",
       "22               1  \n",
       "23              -1  \n",
       "24              -1  \n",
       "25               1  \n",
       "26               1  \n",
       "27               1  \n",
       "28               1  \n",
       "29               1  \n",
       "...            ...  \n",
       "122577           1  \n",
       "122578           1  \n",
       "122579           1  \n",
       "122580          -1  \n",
       "122581           1  \n",
       "122582           1  \n",
       "122583          -1  \n",
       "122584           1  \n",
       "122585           1  \n",
       "122586           1  \n",
       "122587          -1  \n",
       "122588           1  \n",
       "122589           1  \n",
       "122590          -1  \n",
       "122591           1  \n",
       "122592           1  \n",
       "122593           1  \n",
       "122594          -1  \n",
       "122595           1  \n",
       "122596          -1  \n",
       "122597           1  \n",
       "122598           1  \n",
       "122599           1  \n",
       "122600           1  \n",
       "122601          -1  \n",
       "122602          -1  \n",
       "122603           1  \n",
       "122604          -1  \n",
       "122605          -1  \n",
       "122606           1  \n",
       "\n",
       "[122607 rows x 25 columns]"
      ]
     },
     "execution_count": 109,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "data[features]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 113,
   "metadata": {
    "collapsed": true
   },
   "outputs": [],
   "source": [
    "features = ['grade',                     # grade of the loan (categorical)\n",
    "            'sub_grade_num',             # sub-grade of the loan as a number from 0 to 1\n",
    "            'short_emp',                 # one year or less of employment\n",
    "            'emp_length_num',            # number of years of employment\n",
    "            'home_ownership',            # home_ownership status: own, mortgage or rent\n",
    "            'dti',                       # debt to income ratio\n",
    "            'purpose',                   # the purpose of the loan\n",
    "            'payment_inc_ratio',         # ratio of the monthly payment to income\n",
    "            'delinq_2yrs',               # number of delinquincies \n",
    "            'delinq_2yrs_zero',          # no delinquincies in last 2 years\n",
    "            'inq_last_6mths',            # number of creditor inquiries in last 6 months\n",
    "            'last_delinq_none',          # has borrower had a delinquincy\n",
    "            'last_major_derog_none',     # has borrower had 90 day or worse rating\n",
    "            'open_acc',                  # number of open credit accounts\n",
    "            'pub_rec',                   # number of derogatory public records\n",
    "            'pub_rec_zero',              # no derogatory public records\n",
    "            'revol_util',                # percent of available credit being used\n",
    "            'total_rec_late_fee',        # total late fees received to day\n",
    "            'int_rate',                  # interest rate of the loan\n",
    "            'total_rec_int',             # interest received to date\n",
    "            'annual_inc',                # annual income of borrower\n",
    "            'funded_amnt',               # amount committed to the loan\n",
    "            'funded_amnt_inv',           # amount committed by investors for the loan\n",
    "            'installment',               # monthly payment owed by the borrower\n",
    "           ]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 111,
   "metadata": {
    "collapsed": false
   },
   "outputs": [],
   "source": [
    "data_clean  = data[features].dropna()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 112,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "data": {
      "text/plain": [
       "122578"
      ]
     },
     "execution_count": 112,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "len(data_clean)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 92,
   "metadata": {
    "collapsed": false
   },
   "outputs": [],
   "source": [
    "data_clean = data_temp.dropna()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 93,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "data": {
      "text/plain": [
       "122607"
      ]
     },
     "execution_count": 93,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "len(data_clean)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 115,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "98062\n",
      "24516\n"
     ]
    }
   ],
   "source": [
    "training_set, test_set = train_test_split(data_clean, test_size = 0.2)\n",
    "print len(training_set)\n",
    "print len(test_set)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 116,
   "metadata": {
    "collapsed": false
   },
   "outputs": [],
   "source": [
    "tensor_features = {}\n",
    "CATEGORICAL_COLUMNS = []\n",
    "CONTINUOUS_COLUMNS = []\n",
    "\n",
    "for i in features:\n",
    "    if (data[i].dtype == 'int64') or (data[i].dtype == 'float64'):\n",
    "        CONTINUOUS_COLUMNS.append(i) \n",
    "        tensor_features[i] = tf.contrib.layers.real_valued_column(i)\n",
    "    else:\n",
    "        CATEGORICAL_COLUMNS.append(i)\n",
    "        tensor_features[i] = tf.contrib.layers.sparse_column_with_keys(\n",
    "                              column_name=i, keys=list(data[i].unique()))"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 117,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "_SparseColumn(column_name='grade', is_integerized=False, bucket_size=None, lookup_config=_SparseIdLookupConfig(vocabulary_file=None, keys=('B', 'C', 'A', 'E', 'F', 'D', 'G'), num_oov_buckets=0, vocab_size=7, default_value=-1), weight_column=None, combiner='sum', dtype=tf.string)\n"
     ]
    }
   ],
   "source": [
    "print tensor_features['grade']"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 118,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "_RealValuedColumn(column_name='annual_inc', dimension=1, default_value=None, dtype=tf.float32)\n"
     ]
    }
   ],
   "source": [
    "print tensor_features['annual_inc']"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 119,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "data": {
      "text/plain": [
       "['grade', 'home_ownership', 'purpose']"
      ]
     },
     "execution_count": 119,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "CATEGORICAL_COLUMNS"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 120,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "data": {
      "text/plain": [
       "['sub_grade_num',\n",
       " 'short_emp',\n",
       " 'emp_length_num',\n",
       " 'dti',\n",
       " 'payment_inc_ratio',\n",
       " 'delinq_2yrs',\n",
       " 'delinq_2yrs_zero',\n",
       " 'inq_last_6mths',\n",
       " 'last_delinq_none',\n",
       " 'last_major_derog_none',\n",
       " 'open_acc',\n",
       " 'pub_rec',\n",
       " 'pub_rec_zero',\n",
       " 'revol_util',\n",
       " 'total_rec_late_fee',\n",
       " 'int_rate',\n",
       " 'total_rec_int',\n",
       " 'annual_inc',\n",
       " 'funded_amnt',\n",
       " 'funded_amnt_inv',\n",
       " 'installment']"
      ]
     },
     "execution_count": 120,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "CONTINUOUS_COLUMNS"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 134,
   "metadata": {
    "collapsed": false
   },
   "outputs": [],
   "source": [
    "model_dir = tempfile.mkdtemp()\n",
    "model = tf.contrib.learn.LinearClassifier(feature_columns=[tensor_features['grade'],                     # grade of the loan (categorical)\n",
    "            tensor_features['sub_grade_num'],             # sub-grade of the loan as a number from 0 to 1\n",
    "            tensor_features['short_emp'],                 # one year or less of employment\n",
    "            tensor_features['emp_length_num'],            # number of years of employment\n",
    "            tensor_features['home_ownership'],            # home_ownership status: own, mortgage or rent\n",
    "            tensor_features['dti'],                       # debt to income ratio\n",
    "            tensor_features['purpose'],                   # the purpose of the loan\n",
    "           tensor_features['payment_inc_ratio'],         # ratio of the monthly payment to income\n",
    "#            tensor_features['delinq_2yrs'],               # number of delinquincies \n",
    "#            tensor_features['delinq_2yrs_zero'],          # no delinquincies in last 2 years\n",
    "#            tensor_features['inq_last_6mths'],            # number of creditor inquiries in last 6 months\n",
    "            tensor_features['last_delinq_none'],          # has borrower had a delinquincy\n",
    "#            tensor_features['last_major_derog_none'],     # has borrower had 90 day or worse rating\n",
    "#            tensor_features['open_acc'],                  # number of open credit accounts\n",
    "#            tensor_features['pub_rec'],                   # number of derogatory public records\n",
    "#            tensor_features['pub_rec_zero'],              # no derogatory public records\n",
    "            tensor_features['revol_util'],                # percent of available credit being used\n",
    "            tensor_features['total_rec_late_fee'],        # total late fees received to day\n",
    "#            tensor_features['int_rate'],                  # interest rate of the loan\n",
    "#            tensor_features['total_rec_int'],             # interest received to date\n",
    "            tensor_features['annual_inc']],                # annual income of borrower\n",
    "#           tensor_features['funded_amnt'],               # amount committed to the loan\n",
    "#            tensor_features['funded_amnt_inv'],           # amount committed by investors for the loan\n",
    "#            tensor_features['installment']],               # monthly payment owed by the borrower\n",
    "  model_dir=model_dir)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": null,
   "metadata": {
    "collapsed": true
   },
   "outputs": [],
   "source": [
    "'grade',                     # grade of the loan\n",
    "            'sub_grade',                 # sub-grade of the loan\n",
    "            'short_emp',                 # one year or less of employment\n",
    "            'emp_length_num',            # number of years of employment\n",
    "            'home_ownership',            # home_ownership status: own, mortgage or rent\n",
    "            'dti',                       # debt to income ratio\n",
    "            'purpose',                   # the purpose of the loan\n",
    "            'term',                      # the term of the loan\n",
    "            'last_delinq_none',          # has borrower had a delinquincy\n",
    "            'last_major_derog_none',     # has borrower had 90 day or worse rating\n",
    "            'revol_util',                # percent of available credit being used\n",
    "            'total_rec_late_fee',        # total late fees received to day\n",
    "           ]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 139,
   "metadata": {
    "collapsed": false,
    "scrolled": true
   },
   "outputs": [
    {
     "name": "stderr",
     "output_type": "stream",
     "text": [
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n"
     ]
    },
    {
     "data": {
      "text/plain": [
       "LinearClassifier()"
      ]
     },
     "execution_count": 139,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "model.fit(input_fn=train_input_fn, steps=200)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 140,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "name": "stderr",
     "output_type": "stream",
     "text": [
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n",
      "WARNING:tensorflow:create_partitioned_variables is deprecated.  Use tf.get_variable with a partitioner set, or tf.get_partitioned_variable_list, instead.\n"
     ]
    },
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "accuracy: 0.0\n",
      "eval_auc: 0.0\n",
      "loss: 444.698\n"
     ]
    }
   ],
   "source": [
    "results = model.evaluate(input_fn=eval_input_fn, steps=1)\n",
    "for key in sorted(results):\n",
    "    print \"%s: %s\" % (key, results[key])"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 141,
   "metadata": {
    "collapsed": false
   },
   "outputs": [
    {
     "data": {
      "text/plain": [
       "{'linear/annual_inc_weight': array([[-0.00838672]], dtype=float32),\n",
       " 'linear/dti_weight': array([[-1.29763913]], dtype=float32),\n",
       " 'linear/emp_length_num_weight': array([[-0.62183005]], dtype=float32),\n",
       " 'linear/grade_weights': array([[ 0.68759507],\n",
       "        [-1.14004457],\n",
       "        [ 2.54913735],\n",
       "        [-2.71312141],\n",
       "        [-2.34279203],\n",
       "        [-2.51851296],\n",
       "        [-0.69874597]], dtype=float32),\n",
       " 'linear/home_ownership_weights': array([[-1.32648158],\n",
       "        [-0.48917532],\n",
       "        [-0.09501822],\n",
       "        [-0.02884799]], dtype=float32),\n",
       " 'linear/last_delinq_none_weight': array([[-0.69723344]], dtype=float32),\n",
       " 'linear/purpose_weights': array([[ 0.28210583],\n",
       "        [ 0.27676743],\n",
       "        [-1.41750586],\n",
       "        [-1.05768549],\n",
       "        [ 0.07574984],\n",
       "        [-0.9525066 ],\n",
       "        [ 0.14560367],\n",
       "        [ 0.31382683],\n",
       "        [-0.2215791 ],\n",
       "        [-0.15563148],\n",
       "        [-0.0113038 ],\n",
       "        [-0.03260896]], dtype=float32),\n",
       " 'linear/revol_util_weight': array([[-1.31407404]], dtype=float32),\n",
       " 'linear/short_emp_weight': array([[-0.9698934]], dtype=float32),\n",
       " 'linear/sub_grade_num_weight': array([[-0.79440641]], dtype=float32),\n",
       " 'linear/total_rec_late_fee_weight': array([[-6.71851397]], dtype=float32)}"
      ]
     },
     "execution_count": 141,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "model.weights_"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 48,
   "metadata": {
    "collapsed": false
   },
   "outputs": [],
   "source": []
  }
 ],
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