Proportionate effect on loan approval probabilty used when training model.
The effect education has on probability of loan approval. Note the range is approximately seven percent.
The effect income has on probability of loan approval. Note the range is approximately twenty-five percent.
Model Notes:
- Training set of 25,000 loan applications including status approved or declined.
- Income is proportionate to probability.
- Debt-to-income ratio is inversely proportionate to probability.
- All other parameters may increase or decrease probability.
API Usage:
POST: https://apicapstone.warrenjohnson.com/probability
| Field | Type | Range/Values |
|---|---|---|
person_age |
integer | min: 18, max: 95 |
person_education |
integer | 0 (NONE), 1 (HIGH SCHOOL), 2 (BACHELORS), 3 (MASTERS) |
person_income |
integer | min: 30,000, max: 150,000 |
person_emp_exp |
integer | min: 0, max: 40 |
person_home_ownership |
integer | 0 (no), 1 (yes) |
cb_person_cred_hist_length |
integer | min: 1, max: 50 |
debt_ratio |
float | min: 0.05, max: 0.50 |
api_key |
string | Include your API key |
Manual Probability Check