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HMEQ data(SAS format)

About Dataset

Context

The consumer credit department of a bank wants to automate the decisionmaking process for approval of home equity lines of credit. To do this, they will follow the recommendations of the Equal Credit Opportunity Act to create an empirically derived and statistically sound credit scoring model. The model will be based on data collected from recent applicants granted credit through the current process of loan underwriting. The model will be built from predictive modeling tools, but the created model must be sufficiently interpretable to provide a reason for any adverse actions (rejections).

Content

The Home Equity dataset (HMEQ) contains baseline and loan performance information for 5,960 recent home equity loans. The target (BAD) is a binary variable indicating whether an applicant eventually defaulted or was seriously delinquent. This adverse outcome occurred in 1,189 cases (20%). For each applicant, 12 input variables were recorded.

hmeq.sas7bdat

BAD
1 = client defaulted on loan 0 = loan repaid

LOAN
Amount of the loan request

MORTDUE
Amount due on existing mortgage

VALUE
Value of current property

REASON
DebtCon = debt consolidation HomeImp = home improvement

JOB
Six occupational categories

YOJ
Years at present job

DEROG
Number of major derogatory reports

DELINQ
Number of delinquent credit lines

CLAGE
Age of oldest trade line in months

NINQ
Number of recent credit lines

CLNO
Number of credit lines

DEBTINC
Debt-to-income ratio

HMEQ data(SAS format)HMEQ data(SAS format)

原创文章,作者:xsmile,如若转载,请注明出处:http://www.17bigdata.com/hmeq-datasas-format/

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