IN EXCEL SPREADSHEET ATTACHED

Apply cluster analysis to the numerical data in the Excel file Credit Approval Decisions. Analyze the clusters and determine if cluster analysis would be a useful classification method for approving or rejecting loan applications.

10.10 Homeowner 1 1 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 1 1 0 1 1 1 1 1 0 0 1 0 0 0 0 1 0 0 0 1 0 0 1 0 1 0 0 Credit Score 725 573 677 625 527 795 733 620 591 660 700 500 565 620 774 802 640 523 811 763 555 617 642 688 649 695 701 635 507 677 485 582 699 703 585 620 695 774 802 640 536 801 760 567 Years of Credit History 20 9 11 15 12 22 7 5 17 24 19 16 6 3 13 10 7 14 20 2 4 9 13 3 12 15 9 7 2 12 5 3 17 22 18 8 16 13 10 7 14 20 2 4 Revolving Balance $ 11,320 $ 7,200 $ 20,000 $ 12,800 $ 5,700 $ 9,000 $ 35,200 $ 22,800 $ 16,500 $ 9,200 $ 22,000 $ 12,500 $ 7,700 $ 37,400 $ 6,100 $ 10,500 $ 17,300 $ 27,000 $ 13,400 $ 11,200 $ 2,500 $ 8,400 $ 16,000 $ 3,300 $ 7,500 $ 20,300 $ 11,700 $ 29,100 $ 2,000 $ 7,600 $ 1,000 $ 8,500 $ 12,800 $ 10,000 $ 31,000 $ 16,200 $ 9,700 $ 6,100 $ 10,500 $ 17,300 $ 27,000 $ 13,400 $ 11,200 $ 2,200 Revolving Utilization 25% 70% 55% 65% 75% 12% 20% 62% 50% 35% 18% 83% 70% 87% 7% 5% 59% 79% 3% 70% 100% 34% 25% 11% 5% 22% 15% 85% 100% 9% 80% 65% 27% 20% 78% 55% 11% 7% 5% 59% 79% 3% 70% 95% Decision 1 1 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Cluster Id 0 0 0 0 1 0 600 702 636 509 595 733 10 11 8 3 18 15 $ $ $ $ $ $ 12,050 11,700 29,100 2,000 29,000 13,000 81% 15% 85% 100% 78% 24% 0 0 0 0 0 0 Coded Credit Approval Decisions Homeowner 1 1 1 0 0 1 0 0 1 1 1 1 1 0 1 1 0 0 1 0 0 0 1 0 1 1 1 0 0 1 0 0 1 1 0 1 1 1 1 0 0 1 0 0 0 1 1 0 0 1 Credit Score Years of Credit HistoryRevolving Balance 725 20 $ 11,320 573 9 $ 7,200 677 11 $ 20,000 625 15 $ 12,800 527 12 $ 5,700 795 22 $ 9,000 733 7 $ 35,200 620 5 $ 22,800 591 17 $ 16,500 660 24 $ 9,200 700 19 $ 22,000 500 16 $ 12,500 565 6 $ 7,700 620 3 $ 37,400 774 13 $ 6,100 802 10 $ 10,500 640 7 $ 17,300 523 14 $ 27,000 811 20 $ 13,400 763 2 $ 11,200 555 4 $ 2,500 617 9 $ 8,400 642 13 $ 16,000 688 3 $ 3,300 649 12 $ 7,500 695 15 $ 20,300 701 9 $ 11,700 635 7 $ 29,100 507 2 $ 2,000 677 12 $ 7,600 485 5 $ 1,000 582 3 $ 8,500 699 17 $ 12,800 703 22 $ 10,000 585 18 $ 31,000 620 8 $ 16,200 695 16 $ 9,700 774 13 $ 6,100 802 10 $ 10,500 640 7 $ 17,300 536 14 $ 27,000 801 20 $ 13,400 760 2 $ 11,200 567 4 $ 2,200 600 10 $ 12,050 702 11 $ 11,700 636 8 $ 29,100 509 3 $ 2,000 595 18 $ 29,000 733 15 $ 13,000 Revolving Utilization Decision 25% 1 70% 0 55% 1 65% 0 75% 0 12% 1 20% 1 62% 0 50% 0 35% 1 18% 1 83% 0 70% 0 87% 0 7% 1 5% 1 59% 0 79% 0 3% 1 70% 0 100% 0 34% 0 25% 1 11% 1 5% 1 22% 1 15% 1 85% 0 100% 0 9% 1 80% 0 65% 0 27% 1 20% 1 78% 0 55% 0 11% 1 7% 1 5% 1 59% 0 79% 0 3% 1 70% 0 95% 0 81% 0 15% 1 85% 0 100% 0 78% 0 24% 1 Homeowner Credit ScoreYears of Credit HistoryRevolving BalanceRevolving Utilization Decision 1 700 8 $21,000 15% 0 520 1 $4,000 90% 1 650 10 $8,500.00 25% 0 602 7 $16,300.00 70% 0 549 2 $2,500.00 90% 1 742 15 $16,700.00 18% Credit Approval Decisions Homeowner Y Y Y N N Y N N Y Y Y Y Y N Y Y N N Y N N N Y N Y Y Y N N Y N N Y Y N Y Y Y Y N N Y N N N Y Y N N Y Credit Score Years of Credit HistoryRevolving BalanceRevolving Utilization 725 20 $ 11,320 25% 573 9 $ 7,200 70% 677 11 $ 20,000 55% 625 15 $ 12,800 65% 527 12 $ 5,700 75% 795 22 $ 9,000 12% 733 7 $ 35,200 20% 620 5 $ 22,800 62% 591 17 $ 16,500 50% 660 24 $ 9,200 35% 700 19 $ 22,000 18% 500 16 $ 12,500 83% 565 6 $ 7,700 70% 620 3 $ 37,400 87% 774 13 $ 6,100 7% 802 10 $ 10,500 5% 640 7 $ 17,300 59% 523 14 $ 27,000 79% 811 20 $ 13,400 3% 763 2 $ 11,200 70% 555 4 $ 2,500 100% 617 9 $ 8,400 34% 642 13 $ 16,000 25% 688 3 $ 3,300 11% 649 12 $ 7,500 5% 695 15 $ 20,300 22% 701 9 $ 11,700 15% 635 7 $ 29,100 85% 507 2 $ 2,000 100% 677 12 $ 7,600 9% 485 5 $ 1,000 80% 582 3 $ 8,500 65% 699 17 $ 12,800 27% 703 22 $ 10,000 20% 585 18 $ 31,000 78% 620 8 $ 16,200 55% 695 16 $ 9,700 11% 774 13 $ 6,100 7% 802 10 $ 10,500 5% 640 7 $ 17,300 59% 536 14 $ 27,000 79% 801 20 $ 13,400 3% 760 2 $ 11,200 70% 567 4 $ 2,200 95% 600 10 $ 12,050 81% 702 11 $ 11,700 15% 636 8 $ 29,100 85% 509 3 $ 2,000 100% 595 18 $ 29,000 78% 733 15 $ 13,000 24% Decision Approve Reject Approve Reject Reject Approve Approve Reject Reject Approve Approve Reject Reject Reject Approve Approve Reject Reject Approve Reject Reject Reject Approve Approve Approve Approve Approve Reject Reject Approve Reject Reject Approve Approve Reject Reject Approve Approve Approve Reject Reject Approve Reject Reject Reject Approve Reject Reject Reject Approve Homeowner Credit ScoreYears of Credit HistoryRevolving BalanceRevolving Utilization Decision Y 700 8 $21,000 15% N 520 1 $4,000 90% Y 650 10 $8,500.00 25% N 602 7 $16,300.00 70% N 549 2 $2,500.00 90% Y 742 15 $16,700.00 18% Credit Risk Data Loan Purpose Checking Savings Months CustomerMonths Employed Gender Marital Status Age Small Appliance 13 12 M Single 23 $0 $739 $0 $1,230 Furniture 25 0 M Divorced 32 $0 $389 New Car 19 119 M Single 38 $638 $347 Furniture 13 14 M Single 36 $963 $4,754 Education 40 45 M Single 31 $2,827 $0 Furniture 11 13 M Married 25 $0 $229 New Car 13 16 M Married 26 $0 $533 Business 14 2 M Single 27 $6,509 $493 Small Appliance 37 9 M Single 25 $966 $0 Small Appliance 25 4 F Divorced 43 $0 $989 Business 49 0 M Single 32 $0 $3,305 New Car 11 15 M Single 34 $322 $578 Business 10 14 M Married 26 $0 $821 New Car 25 63 M Single 44 $396 $228 New Car 13 26 M Single 46 $0 $129 Used Car 31 8 M Divorced 39 $652 $732 Furniture 49 4 F Divorced 25 $708 $683 New Car 13 33 M Single 31 $207 $0 Repairs 28 116 M Single 47 $287 $12,348 Education 7 2 F Divorced 23 $0 $17,545 Furniture 34 16 F Divorced 22 $101 $3,871 Furniture 13 5 F Divorced 26 $0 $0 Furniture 25 23 M Married 19 $0 $485 Furniture 37 23 F Divorced 27 $0 $10,723 New Car 11 15 M Single 39 $141 $245 Business 22 33 M Single 26 $0 $0 Used Car 19 58 M Single 50 $2,484 $0 Used Car 49 46 M Single 34 $237 $236 Small Appliance 37 24 M Single 23 $0 $485 Small Appliance 19 12 M Single 23 $335 $1,708 Education 37 7 M Single 46 $3,565 $0 Small Appliance 31 32 M Single 35 $0 $407 Small Appliance 13 2 F Divorced 28 $16,647 $895 Business 16 34 M Single 25 $0 $150 Business 49 46 F Divorced 36 $0 $490 Small Appliance 5 41 M Single 41 $0 $162 Furniture 25 1 M Divorced 54 $940 $715 Small Appliance 9 40 F Divorced 43 $0 $323 Small Appliance 49 42 M Married 33 $0 $128 New Car 13 74 M Single 34 $218 $0 Other 49 0 M Single 39 $0 $109 Used Car 25 26 M Single 34 $16,935 $189 Small Appliance 37 60 M Single 30 $664 $537 Furniture 31 33 M Single 48 $150 $6,520 Furniture 12 1 F Divorced 19 $0 $138 Small Appliance 7 119 M Married 29 $216 $0 Furniture 19 3 F Divorced 26 $0 $660 New Car 17 75 M Single 42 $0 $724 Business 25 8 M Single 30 $0 $897 Small Appliance 19 5 M Married 38 $265 $947 Small Appliance 25 5 M Married 21 Furniture Business New Car Used Car Education Furniture New Car New Car Furniture New Car New Car Small Appliance New Car Small Appliance Small Appliance Business Used Car Furniture Furniture New Car Small Appliance Business Furniture Small Appliance New Car Business Business Repairs Business New Car Education New Car Education New Car Small Appliance Used Car Small Appliance Small Appliance Furniture Education Small Appliance Repairs Business Small Appliance Small Appliance Small Appliance New Car Small Appliance Furniture Small Appliance New Car Retraining Furniture New Car $4,256 $0 $870 $917 $162 $595 $0 $789 $0 $0 $0 $746 $461 $140 $0 $659 $0 $717 $0 $667 $580 $0 $0 $763 $0 $1,366 $0 $552 $0 $14,643 $758 $2,665 $399 $0 $513 $442 $0 $8,357 $0 $0 $565 $863 $0 $322 $0 $800 $0 $656 $166 $922 $9,783 $885 $674 $2,886 $0 $626 $15,328 $0 $0 $904 $713 $784 $0 $806 $0 $3,281 $0 $759 $0 $680 $0 $104 $303 $899 $900 $1,732 $0 $706 $1,257 $0 $0 $576 $273 $904 $522 $194 $0 $710 $0 $5,564 $0 $192 $0 $637 $514 $405 $457 $318 $5,133 $698 $0 $369 $644 $0 $305 $492 $9,621 $308 16 28 22 25 37 13 19 19 37 29 11 13 19 25 16 13 31 7 25 22 10 28 13 37 13 13 49 43 25 12 61 19 19 16 25 37 13 37 31 10 7 7 25 25 25 46 13 49 19 19 10 13 19 25 36 6 10 28 114 16 32 5 60 10 8 46 17 4 115 31 0 0 5 9 81 28 69 85 2 3 32 0 9 6 17 3 20 59 3 25 3 11 14 65 14 2 79 1 93 13 21 13 108 14 16 88 1 41 F M M M M F M F M M M F M M M M F M M M M M M M F F M M M M M F F M F M M F M F F M M F M M F F M M M M F M Divorced Single Divorced Single Single Divorced Single Divorced Single Single Single Divorced Single Married Single Single Divorced Single Single Single Single Single Single Single Divorced Divorced Single Single Single Single Single Divorced Divorced Single Divorced Single Single Divorced Divorced Divorced Divorced Married Divorced Divorced Single Single Divorced Divorced Single Single Single Single Divorced Single 32 35 46 37 39 29 27 22 40 44 26 57 34 47 46 38 52 34 29 39 36 25 59 27 24 25 29 64 31 38 41 22 29 32 34 23 21 49 31 40 28 21 30 37 33 22 23 21 40 36 29 37 26 37 Education Business Furniture New Car Used Car Small Appliance Furniture Business Used Car Furniture Furniture Small Appliance Used Car Large Appliance Furniture Furniture Small Appliance Small Appliance Furniture New Car New Car New Car Furniture Small Appliance Business Furniture Small Appliance Small Appliance Small Appliance Other Business Repairs New Car Furniture Furniture Small Appliance Small Appliance Furniture Small Appliance Business Repairs Small Appliance Furniture New Car New Car Used Car New Car Used Car New Car Small Appliance New Car Used Car Education Furniture $0 $0 $0 $0 $0 $6,851 $13,496 $509 $0 $19,155 $0 $0 $374 $0 $828 $0 $829 $0 $0 $939 $0 $889 $876 $893 $12,760 $0 $0 $959 $0 $0 $0 $0 $698 $0 $0 $0 $12,974 $0 $317 $0 $0 $0 $192 $0 $0 $0 $0 $0 $942 $0 $3,329 $0 $0 $0 $127 $565 $12,632 $116 $178 $901 $650 $241 $609 $131 $544 $10,853 $0 $409 $391 $322 $583 $12,242 $479 $496 $466 $1,583 $1,533 $0 $4,873 $0 $717 $7,876 $4,449 $0 $104 $897 $4,033 $945 $836 $325 $19,568 $803 $10,980 $265 $609 $1,851 $199 $500 $509 $270 $457 $260 $3,036 $643 $0 $6,345 $922 $909 13 19 16 49 13 13 19 25 37 25 19 25 25 49 9 13 7 25 19 19 25 37 31 16 13 13 22 28 25 25 25 19 16 13 25 19 13 13 13 13 31 12 25 28 16 25 13 25 25 19 19 25 37 25 22 14 9 45 89 21 20 14 6 24 15 81 14 15 12 9 18 53 0 56 42 79 21 94 73 94 10 20 87 54 23 2 20 6 99 13 7 89 17 10 3 0 5 7 3 25 63 78 36 6 15 19 9 3 M M F M M F M M M M F F M M F F F M M M M M F M M M F M M M M F M M M F F M M F M F F F M M M M M M M M F M Single Married Divorced Single Single Divorced Single Single Single Single Divorced Divorced Single Single Divorced Divorced Divorced Single Single Single Single Single Divorced Single Single Single Divorced Single Single Single Married Divorced Married Divorced Single Divorced Divorced Single Single Divorced Divorced Divorced Divorced Divorced Single Single Single Single Single Single Single Single Divorced Single 39 27 19 45 34 43 33 35 31 25 27 56 45 53 23 25 63 34 24 35 30 29 20 49 56 48 24 22 30 39 20 22 24 41 32 23 41 52 65 26 33 56 24 20 35 34 38 34 37 31 67 26 24 21 Large Appliance Furniture Furniture Business Used Car Small Appliance Small Appliance Used Car Small Appliance Repairs Furniture Used Car New Car New Car New Car Repairs Furniture Used Car Small Appliance New Car Business Small Appliance Small Appliance Business Furniture Furniture Small Appliance Small Appliance Furniture Used Car Business New Car New Car Furniture New Car Small Appliance Furniture Small Appliance Business Small Appliance New Car Education New Car New Car New Car Furniture Small Appliance Business Other Small Appliance New Car Small Appliance New Car Furniture $0 $0 $0 $339 $0 $0 $0 $105 $0 $216 $113 $109 $0 $0 $8,176 $0 $468 $7,885 $0 $0 $0 $0 $0 $0 $0 $0 $0 $734 $0 $0 $172 $644 $0 $617 $0 $586 $0 $0 $0 $0 $0 $522 $585 $5,588 $0 $352 $0 $2,715 $560 $895 $305 $0 $0 $0 $775 $979 $948 $2,790 $309 $762 $970 $320 $861 $262 $692 $540 $470 $192 $12,230 $772 $14,186 $6,330 $18,716 $886 $750 $3,870 $3,273 $406 $461 $340 $6,490 $348 $506 $14,717 $0 $1,571 $0 $411 $544 $0 $835 $823 $5,180 $408 $821 $385 $2,223 $0 $605 $7,525 $3,529 $1,435 $887 $243 $4,553 $418 $771 $463 19 25 19 22 49 10 13 28 13 37 11 37 13 7 7 25 22 16 19 22 37 25 13 6 13 19 19 7 25 28 25 19 25 31 25 13 19 25 22 16 48 10 16 22 37 13 14 49 25 13 7 19 25 11 8 48 2 55 37 1 14 54 111 2 14 1 0 2 5 19 24 14 93 96 2 11 4 35 48 4 85 100 3 7 36 1 19 3 0 0 42 47 4 12 5 66 0 10 20 4 0 14 20 4 2 4 0 13 M M F M M F F M M M M M F M M M M M M M M F M M F M M M F M M F F M F M F M M M F M M F F F F M M M F M M M Married Single Divorced Divorced Single Divorced Divorced Single Single Single Divorced Married Divorced Single Married Divorced Single Single Single Single Divorced Divorced Married Single Divorced Married Single Single Divorced Single Single Divorced Divorced Married Divorced Single Divorced Single Single Single Divorced Single Single Divorced Divorced Divorced Divorced Divorced Single Married Divorced Single Single Single 46 22 20 60 25 21 22 29 56 32 30 27 37 39 26 32 31 35 31 64 27 31 32 73 30 42 45 27 22 26 33 27 24 21 28 51 21 27 40 34 34 63 33 28 24 18 63 37 38 22 31 31 42 24 Business Used Car Used Car Small Appliance Small Appliance Education Small Appliance Large Appliance Education Furniture Business New Car Repairs Furniture Small Appliance New Car Small Appliance Business New Car Small Appliance Used Car New Car Small Appliance Furniture New Car Used Car Business Furniture Used Car Small Appliance Small Appliance Business Furniture Small Appliance Small Appliance New Car New Car Used Car Small Appliance Business Education Furniture Business Other Furniture New Car New Car Business Used Car Business Small Appliance New Car New Car Furniture $8,948 $0 $0 $0 $0 $0 $483 $0 $0 $0 $663 $624 $0 $0 $152 $0 $0 $498 $0 $156 $1,336 $0 $0 $0 $2,641 $0 $0 $0 $0 $0 $887 $0 $0 $0 $0 $18,408 $497 $0 $946 $986 $8,122 $0 $778 $645 $0 $682 $19,812 $0 $0 $859 $0 $0 $0 $0 $110 $10,099 $13,428 $208 $552 $3,105 $415 $1,238 $238 $127 $0 $785 $718 $493 $757 $9,125 $364 $598 $374 $0 $0 $508 $956 $636 $0 $1,519 $922 $180 $701 $296 $519 $800 $736 $11,838 $364 $212 $888 $999 $0 $578 $136 $734 $861 $855 $4,486 $2,017 $0 $500 $859 $3,305 $1,218 $9,016 $11,587 $8,944 31 16 7 13 13 16 19 13 13 31 19 37 19 13 49 13 13 37 10 13 37 13 25 22 13 40 19 5 22 16 7 49 13 7 5 13 16 25 16 28 22 37 49 25 10 37 25 25 31 25 13 49 22 25 90 108 0 23 15 19 6 0 2 35 57 9 0 21 45 24 12 14 19 58 11 3 4 41 71 74 29 2 108 8 42 2 6 70 35 9 3 0 83 1 4 111 21 17 3 85 37 1 89 26 38 22 46 66 M M F M F F M F F F M F F M M F F M M F M M F F F M M F M M M F F M M F F M M F M M M M F M M M M M M M F M Single Single Divorced Single Divorced Divorced Married Divorced Divorced Divorced Single Divorced Divorced Single Single Divorced Divorced Divorced Single Divorced Single Single Divorced Divorced Divorced Single Single Divorced Single Single Married Divorced Divorced Single Single Divorced Divorced Single Single Divorced Divorced Single Single Single Divorced Single Single Single Single Single Single Single Divorced Single 65 22 22 51 23 30 32 21 52 22 41 53 54 37 27 25 34 29 27 32 29 32 28 25 51 44 33 22 35 30 27 23 19 44 41 35 25 28 34 31 32 41 22 28 21 41 36 26 37 35 34 43 30 31 Repairs Small Appliance Small Appliance Furniture Furniture Furniture Furniture Other Education Small Appliance New Car Business Business Education New Car Used Car Used Car New Car New Car New Car Small Appliance New Car New Car Furniture Retraining New Car Education Education Furniture New Car Small Appliance Business New Car Small Appliance New Car Furniture New Car Furniture Small Appliance Small Appliance Furniture New Car New Car New Car New Car New Car Furniture Small Appliance Furniture New Car Repairs New Car Small Appliance Small Appliance $0 $807 $0 $867 $795 $16,804 $0 $347 $0 $836 $0 $142 $0 $169 $852 $3,613 $0 $403 $0 $836 $425 $0 $0 $11,481 $0 $3,285 $0 $164 $11,072 $891 $0 $0 $219 $841 $8,060 $607 $0 $486 $0 $108 $0 $0 $0 $113 $1,613 $0 $757 $208 $0 $603 $0 $343 $977 $463 $197 $0 $0 $299 $0 $490 $0 $6,628 $0 $859 $0 $750 $256 $954 $296 $591 $0 $13,970 $0 $857 $0 $5,857 $298 $3,326 $0 $726 $8,636 $214 $0 $207 $0 $713 $19,766 $2,141 $0 $483 $0 $127 $0 $367 $0 $813 $4,089 $0 $0 $102 $271 $759 $949 $0 $0 $503 $911 $823 25 31 49 16 16 7 19 61 7 25 19 25 7 13 61 37 43 19 12 25 43 25 25 25 13 19 10 37 19 13 37 19 13 10 37 13 11 19 73 19 11 13 13 11 19 7 37 43 7 7 19 49 13 46 75 27 40 5 4 53 6 83 5 0 7 18 21 65 17 49 0 71 22 52 28 31 118 36 35 22 61 17 11 15 65 23 14 13 103 24 34 20 15 7 3 119 29 54 90 13 22 28 14 0 0 36 62 4 M F M F M F M F F M F M M F M M M F M M F F M M M F F M M F M M M M M F M M M F F M M F F M M M M F F F M M Single Divorced Single Divorced Single Divorced Single Divorced Divorced Single Divorced Single Single Divorced Single Single Single Divorced Single Single Divorced Divorced Married Divorced Married Divorced Divorced Married Single Divorced Single Single Single Single Single Divorced Single Single Married Divorced Divorced Single Single Divorced Divorced Single Single Single Married Divorced Divorced Divorced Single Single 43 24 26 45 26 48 43 59 55 29 32 53 33 56 33 46 54 22 35 46 29 22 53 42 20 35 33 26 46 28 38 35 47 23 56 28 48 27 23 24 22 42 25 47 32 25 36 25 26 53 66 23 25 24 New Car Used Car New Car Other Used Car Small Appliance Used Car New Car Furniture New Car Business Small Appliance New Car Education Education Furniture New Car Small Appliance Furniture Furniture Furniture Small Appliance Business Small Appliance Small Appliance Small Appliance Small Appliance Small Appliance New Car Furniture Education Repairs Small Appliance Furniture Small Appliance Small Appliance Repairs Small Appliance Small Appliance New Car Small Appliance New Car Business Small Appliance Used Car New Car Furniture New Car Used Car Small Appliance Used Car New Car Furniture Small Appliance $0 $693 $0 $973 $0 $648 $0 $523 $271 $7,090 $0 $596 $0 $904 $0 $541 $0 $154 $4,802 $0 $177 $0 $0 $337 $0 $716 $996 $837 $705 $0 $0 $7,710 $0 $531 $5,960 $129 $0 $941 $759 $596 $0 $987 $651 $0 $257 $460 $955 $0 $0 $798 $8,249 $0 $0 $959 $956 $1,482 $382 $883 $0 $12,721 $842 $0 $3,111 $0 $0 $302 $0 $538 $2,846 $0 $231 $702 $0 $2,688 $17,366 $0 $0 $425 $332 $214 $242 $0 $0 $272 $929 $124 $0 $17,124 $0 $612 $0 $862 $0 $146 $0 $14,190 $0 $396 $0 $519 $646 $0 $538 $344 $0 $204 $0 $148 19 49 15 37 25 13 49 19 37 37 49 25 19 49 25 25 13 13 13 10 37 37 49 49 25 31 11 46 31 37 37 13 10 25 13 10 10 16 13 25 19 7 9 13 49 49 25 37 49 31 25 13 31 43 28 81 57 0 2 67 119 13 2 12 9 107 33 83 24 114 5 16 111 18 101 102 75 29 42 77 21 19 20 31 9 27 30 59 14 99 89 21 10 2 6 90 1 95 32 62 46 92 73 23 9 40 5 2 M F M M F M M M F M M M M M F M M M M F M M F M M M M M F F M F M M M M M M M M M M M M M M M M M F M M M M Single Divorced Divorced Divorced Divorced Single Single Single Divorced Single Single Single Single Single Divorced Single Single Married Single Divorced Single Single Divorced Single Single Single Single Single Divorced Divorced Single Divorced Single Single Single Single Single Single Single Single Single Single Married Married Single Single Single Single Single Divorced Divorced Married Divorced Single 31 57 44 42 27 51 23 31 22 35 37 35 30 49 32 52 45 23 41 28 30 50 58 36 23 48 37 20 23 39 34 22 21 38 36 26 47 38 27 25 28 67 25 34 38 41 26 35 45 32 47 24 30 33 Furniture Small Appliance New Car Used Car New Car New Car Small Appliance Small Appliance Furniture Furniture Small Appliance Small Appliance Business New Car New Car New Car Furniture Small Appliance Education Business Business New Car Used Car Used Car Large Appliance Furniture Business Furniture New Car Education Used Car New Car Furniture Furniture Used Car New Car Small Appliance Furniture New Car Furniture Used Car Used Car Education New Car New Car Small Appliance Furniture New Car New Car New Car $0 $0 $135 $2,472 $0 $10,417 $211 $16,630 $0 $642 $0 $296 $898 $478 $315 $122 $0 $0 $0 $670 $444 $3,880 $819 $0 $0 $0 $0 $0 $0 $0 $0 $0 $161 $0 $0 $789 $765 $0 $0 $983 $0 $0 $798 $0 $193 $497 $0 $0 $0 $0 $435 $914 $0 $0 $412 $19,811 $822 $0 $3,369 $0 $707 $818 $177 $4,071 $466 $460 $991 $17,653 $497 $4,014 $921 $0 $0 $607 $15,800 $369 $4,973 $0 $761 $471 $674 $547 $524 $815 $0 $989 $10,406 $957 $770 $950 $160 $276 $137 $579 $2,684 $0 $0 $0 $712 $912 19 19 37 37 25 13 8 11 25 13 7 19 22 10 13 37 7 22 41 31 28 23 13 37 16 7 25 40 25 7 37 13 13 19 11 31 10 19 37 13 13 25 25 22 13 7 31 25 16 7 16 0 7 41 22 27 5 47 17 65 26 93 105 40 3 109 3 4 24 21 51 37 23 17 40 23 17 30 92 52 69 40 106 13 4 0 24 11 3 5 7 91 25 70 5 51 53 103 6 39 F F M M M M F M M F M M F M M M F F M F F F M M M M M M M F M M M M F M F F F F M M F M F M M F F M Divorced Divorced Single Single Single Married Divorced Single Single Divorced Single Married Divorced Single Single Single Divorced Divorced Single Divorced Divorced Divorced Single Single Single Single Single Single Single Divorced Single Divorced Single Single Divorced Married Divorced Divorced Divorced Divorced Married Single Divorced Married Divorced Single Single Divorced Divorced Single 23 21 36 30 52 27 44 26 24 24 50 31 38 28 48 56 31 28 26 25 41 24 29 25 35 35 26 29 59 34 41 35 27 41 30 27 65 19 33 24 40 62 33 29 22 35 30 28 28 44 Housing Years Job Credit Risk Own 3 Unskilled Low Own 1 Skilled High Own 4 Management High Own 2 Unskilled High Rent 3 Skilled Low Own 1 Skilled Low Own 3 Unskilled Low Own 1 Unskilled Low Own 2 Skilled High Own 1 Skilled High Rent 2 Management High Rent 2 Unskilled Low Own 1 Skilled Low Own 1 Skilled High Own 3 Unskilled Low Own 4 Management Low Own 2 Skilled High Own 2 Skilled Low Own 4 Skilled Low Rent 2 Skilled High Own 4 Skilled High Rent 4 Skilled High Own 4 Skilled High Own 2 Management High Rent 2 Unskilled Low Own 3 Skilled Low Other 4 Skilled High Other 1 Skilled Low Rent 4 Skilled Low Own 2 Skilled Low Other 4 Skilled High Own 3 Skilled Low Own 2 Skilled Low Rent 4 Skilled Low Rent 4 Skilled High Own 1 Unskilled Low Own 1 Skilled High Own 2 Unskilled Low Own 1 Skilled High Own 3 Skilled High Other 4 Unemployed Low Own 3 Unskilled Low Own 2 Skilled Low Own 2 Skilled High Own 1 Skilled Low Rent 2 Skilled Low Rent 3 Skilled High Rent 4 Skilled High Rent 2 Skilled High Own 4 Skilled Low Own 1 Skilled High Rent Own Own Own Own Own Rent Rent Own Own Own Own Own Own Own Own Own Own Other Own Own Own Own Own Rent Own Own Own Own Own Other Own Own Rent Own Own Own Other Own Rent Own Own Own Own Own Other Own Own Own Own Own Own Own Other 4 Unskilled 2 Skilled 4 Skilled 3 Management 4 Management 3 Skilled 3 Unskilled 3 Skilled 2 Skilled 2 Unskilled 4 Unskilled 3 Unskilled 4 Unskilled 4 Skilled 3 Skilled 4 Unskilled 1 Management 1 Management 4 Skilled 2 Unskilled 4 Unskilled 4 Skilled 3 Skilled 2 Skilled 1 Skilled 1 Unemployed 2 Skilled 4 Unemployed 4 Skilled 4 Unskilled 4 Skilled 2 Unskilled 2 Skilled 3 Skilled 4 Skilled 4 Skilled 1 Skilled 4 Skilled 2 Skilled 4 Unskilled 1 Skilled 1 Unskilled 4 Skilled 3 Skilled 2 Skilled 4 Skilled 2 Unskilled 2 Skilled 1 Skilled 2 Skilled 1 Skilled 4 Skilled 1 Skilled 3 Skilled Low High Low Low High Low Low High High High High Low Low High Low Low High Low High High Low Low High Low High High Low Low Low Low High High High High High High High High Low Low Low Low High Low Low High High High Low High Low Low Low High Rent Own Rent Other Other Rent Own Own Other Own Own Rent Own Own Own Own Own Own Own Own Own Other Rent Own Rent Rent Own Own Own Own Own Own Rent Own Own Own Rent Other Own Own Own Own Own Rent Own Own Own Own Own Other Rent Own Own Other 4 Unskilled 2 Skilled 4 Skilled 4 Skilled 4 Skilled 2 Unskilled 1 Unskilled 4 Unskilled 2 Management 2 Skilled 2 Skilled 4 Management 4 Management 4 Skilled 4 Skilled 1 Skilled 3 Skilled 2 Skilled 1 Unemployed 4 Skilled 3 Skilled 3 Skilled 4 Skilled 4 Skilled 4 Unskilled 4 Skilled 2 Skilled 2 Unskilled 4 Skilled 3 Management 2 Unskilled 4 Skilled 2 Skilled 1 Skilled 4 Skilled 2 Skilled 3 Skilled 4 Management 3 Unskilled 2 Skilled 1 Unskilled 4 Unskilled 4 Unskilled 3 Skilled 3 Skilled 3 Skilled 4 Management 4 Management 3 Skilled 2 Management 4 Skilled 2 Skilled 2 Management 1 Skilled High High Low High High Low High High Low Low Low Low Low High High Low Low High High High High Low High Low Low Low High High High High Low High High Low Low High Low High High Low High Low High High Low Low Low Low Low Low High Low High Low Own Rent Rent Rent Own Rent Own Own Own Rent Own Rent Own Own Own Own Own Own Own Own Own Own Own Own Own Own Own Own Rent Own Own Own Rent Own Rent Own Own Own Own Other Own Own Own Own Own Rent Own Own Own Rent Own Own Other Rent 3 Unskilled 4 Skilled 4 Skilled 2 Unskilled 3 Skilled 4 Skilled 1 Skilled 2 Management 4 Unskilled 1 Unskilled 2 Unskilled 4 Management 2 Unemployed 4 Unskilled 2 Unemployed 2 Skilled 2 Skilled 2 Skilled 3 Management 4 Skilled 1 Skilled 2 Unskilled 3 Unskilled 4 Unskilled 4 Unskilled 1 Unskilled 4 Skilled 4 Skilled 4 Unskilled 2 Skilled 3 Skilled 3 Skilled 4 Skilled 1 Skilled 4 Unemployed 1 Management 1 Skilled 2 Skilled 2 Unskilled 4 Skilled 1 Unskilled 4 Unskilled 2 Management 4 Skilled 2 Skilled 4 Unskilled 4 Skilled 2 Skilled 3 Management 1 Skilled 1 Unskilled 2 Skilled 2 Skilled 2 Unskilled High High Low High Low High Low Low High High Low High Low Low Low Low Low Low Low Low High High High Low Low High Low Low High Low Low High High Low High High High Low High Low Low Low High High High Low Low High High High High Low High High Own Rent Rent Own Own Own Own Own Own Rent Own Rent Other Own Own Own Own Own Own Own Own Own Rent Rent Other Own Own Rent Own Own Own Rent Rent Own Own Own Rent Other Own Own Rent Own Own Own Rent Own Own Own Other Rent Own Other Own Rent 4 Management 4 Skilled 2 Unemployed 4 Skilled 4 Unskilled 3 Skilled 2 Skilled 3 Skilled 4 Skilled 4 Skilled 2 Skilled 2 Skilled 4 Unemployed 3 Unskilled 4 Skilled 2 Skilled 2 Skilled 2 Management 3 Unskilled 3 Unskilled 2 Management 1 Unskilled 2 Unskilled 4 Unskilled 4 Management 2 Management 1 Skilled 3 Unskilled 4 Management 2 Skilled 3 Unskilled 4 Skilled 4 Skilled 4 Unskilled 1 Unskilled 2 Skilled 1 Unemployed 2 Management 2 Skilled 1 Skilled 1 Skilled 2 Skilled 2 Skilled 3 Management 4 Skilled 4 Management 2 Unskilled 2 Skilled 4 Management 4 Management 1 Skilled 2 Skilled 2 Management 3 Skilled High Low Low Low High Low High High High High Low Low High Low High High Low High High High Low High High Low Low Low Low Low Low Low Low High High Low Low Low High Low Low Low High High High High Low High High High Low Low Low High Low Low Other Own Own Rent Own Own Own Other Own Own Own Own Own Other Other Other Other Own Rent Own Own Rent Own Own Rent Own Own Own Other Own Own Own Own Own Other Rent Own Own Own Rent Own Rent Own Other Rent Rent Own Own Own Own Own Own Own Own 4 Skilled 2 Skilled 2 Skilled 1 Skilled 3 Unskilled 1 Skilled 3 Skilled 4 Management 2 Skilled 2 Management 2 Skilled 3 Management 2 Unskilled 4 Unskilled 4 Skilled 4 Skilled 2 Management 2 Management 2 Skilled 4 Unskilled 3 Management 4 Skilled 4 Skilled 3 Skilled 4 Skilled 3 Skilled 3 Management 2 Skilled 4 Skilled 2 Skilled 4 Skilled 2 Skilled 4 Skilled 3 Skilled 4 Skilled 4 Unskilled 3 Skilled 2 Skilled 2 Skilled 4 Skilled 2 Skilled 4 Skilled 2 Skilled 4 Unskilled 4 Skilled 3 Skilled 2 Skilled 2 Skilled 2 Skilled 4 Unemployed 4 Skilled 2 Skilled 2 Skilled 2 Unskilled Low Low High Low Low Low High High Low High High High Low Low Low High Low Low Low High High High Low High High Low High Low Low High Low High High Low High High Low Low High High Low High High High High Low Low High Low Low Low Low Low High Other Other Own Own Rent Own Other Own Rent Own Other Own Own Other Own Own Own Own Own Own Own Own Rent Own Rent Own Own Rent Own Own Other Own Own Rent Other Own Own Other Rent Own Own Own Own Own Other Other Own Own Other Own Other Own Own Own 4 Unskilled 4 Unskilled 4 Management 3 Management 4 Skilled 4 Skilled 4 Skilled 2 Skilled 4 Skilled 4 Skilled 4 Skilled 1 Management 2 Skilled 4 Skilled 2 Skilled 4 Skilled 2 Skilled 1 Skilled 4 Skilled 2 Skilled 4 Skilled 2 Skilled 3 Skilled 3 Skilled 4 Unskilled 4 Unskilled 4 Skilled 4 Skilled 2 Skilled 4 Skilled 4 Unskilled 4 Skilled 2 Skilled 2 Management 4 Skilled 4 Unskilled 4 Skilled 4 Skilled 2 Skilled 1 Skilled 3 Skilled 4 Management 2 Skilled 1 Skilled 4 Skilled 4 Management 4 Skilled 4 Skilled 4 Skilled 2 Skilled 4 Skilled 3 Unskilled 4 Unskilled 3 Skilled High High High Low High Low High High High Low Low Low High High Low Low High Low Low High High Low High Low High Low Low High High Low Low Low High High Low Low Low High High Low Low High Low Low High High High Low High Low Low High High High Rent Rent Other Own Other Own Own Own Own Own Own Own Own Own Own Other Own Own Own Rent Other Rent Own Own Own Own Own Own Own Other Other Own Rent Own Rent Own Own Rent Own Rent Rent Own Other Own Own Other Own Own Own Own 4 Skilled 4 Skilled 4 Skilled 2 Management 4 Skilled 2 Skilled 1 Skilled 2 Skilled 1 Skilled 2 Skilled 2 Skilled 2 Unskilled 4 Skilled 3 Skilled 3 Unskilled 2 Management 4 Skilled 2 Skilled 3 Skilled 4 Unskilled 4 Management 4 Skilled 2 Skilled 2 Skilled 3 Skilled 2 Unskilled 3 Unskilled 4 Management 4 Unskilled 4 Skilled 4 Skilled 3 Skilled 4 Skilled 3 Skilled 4 Skilled 2 Management 3 Unskilled 4 Skilled 4 Skilled 3 Skilled 4 Skilled 4 Skilled 4 Unskilled 3 Skilled 2 Unskilled 4 Skilled 4 Skilled 2 Skilled 2 Skilled 3 Management High High High Low High High Low Low Low High Low Low High High Low High High Low High High High Low Low High Low Low Low Low High High Low High Low High Low High Low High High High Low Low High Low High Low High High High Low Loan Purpose Checking Savings Months CustomerMonths Employed Gender Marital Status Age Education 30 45 M Single 27 $600 $3,500 $500 $800 Business 15 20 f Married 26 $250 $250 New Car 15 48 M Single 25 $101 $3,871 Furniture 10 16 F Single 26 $300 $400 Small Appliance 10 5 m Divorced 28 $790 $3,000 Business 8 24 M Single 38 $680 $600 Education 50 18 f Married 37 $644 $2,000 Retraining 20 60 M Single 30 $100 $8,000 Small Appliance 12 90 F Single 33 $0 $900 Repairs 25 4 m Divorced 29 Housing Years Job Credit Risk Rent 3 Skilled Rent 1 Unskilled Own 3 Skilled Own 4 Skilled Own 2 Skilled Rent 7 Unskilled Other 6 Management Own 4 Skilled Rent 9 Management Own 3 Management