do test only use techniqes found in files
roberto pulpo
ClassificationwithDiscriminantAnalysisOct29.xlsxData
| Credit Approval Decisions | ||||||||||||||||||
| Homeowner | Homeowner (1 if yes) | Credit Score | Years of Credit History | Revolving Balance | Revolving Utilization | Decision | Decision (1 = approve) | Discriminant | SUMMARY OUTPUT | |||||||||
| Y | 1 | 725 | 20 | $11,320.00 | 25% | Approve | 1 | 0.8525618194 | ||||||||||
| Y | 1 | 677 | 11 | $20,000.00 | 55% | Approve | 1 | 0.4553865242 | x | Regression Statistics | ||||||||
| Y | 1 | 795 | 22 | $9,000.00 | 12% | Approve | 1 | 1.0383107197 | Multiple R | 0.9111909755 | ||||||||
| N | 0 | 733 | 7 | $35,200.00 | 20% | Approve | 1 | 0.6868867629 | R Square | 0.8302689938 | ||||||||
| Y | 1 | 660 | 24 | $9,200.00 | 35% | Approve | 1 | 0.7311217513 | Adjusted R Square | 0.8109813794 | ||||||||
| Y | 1 | 700 | 19 | $22,000.00 | 18% | Approve | 1 | 0.9044169616 | Standard Error | 0.2188845221 | ||||||||
| Y | 1 | 774 | 13 | $6,100.00 | 7% | Approve | 1 | 1.0482071612 | Observations | 50 | ||||||||
| Y | 1 | 802 | 10 | $10,500.00 | 5% | Approve | 1 | 1.0667922318 | ||||||||||
| Y | 1 | 811 | 20 | $13,400.00 | 3% | Approve | 1 | 1.1324207317 | ANOVA | |||||||||
| Y | 1 | 642 | 13 | $16,000.00 | 25% | Approve | 1 | 0.7805610762 | df | SS | MS | F | Significance F | |||||
| N | 0 | 688 | 3 | $3,300.00 | 11% | Approve | 1 | 0.7756363838 | Regression | 5 | 10.3119409027 | 2.0623881805 | 43.046743833 | 7.33307151638027E-16 | ||||
| Y | 1 | 649 | 12 | $7,500.00 | 5% | Approve | 1 | 1.0066865414 | Residual | 44 | 2.1080590973 | 0.047910434 | ||||||
| Y | 1 | 695 | 15 | $20,300.00 | 22% | Approve | 1 | 0.8428262144 | Total | 49 | 12.42 | |||||||
| Y | 1 | 701 | 9 | $11,700.00 | 15% | Approve | 1 | 0.9047631299 | ||||||||||
| Y | 1 | 677 | 12 | $7,600.00 | 9% | Approve | 1 | 0.9756664821 | Coefficients | Standard Error | t Stat | P-value | Lower 95% | Upper 95% | Lower 95.0% | Upper 95.0% | ||
| Y | 1 | 699 | 17 | $12,800.00 | 27% | Approve | 1 | 0.8046341788 | Intercept | 0.5670453467 | 0.4786486517 | 1.1846797117 | 0.2425038469 | -0.3976076254 | 1.5316983188 | -0.3976076254 | 1.5316983188 | |
| Y | 1 | 703 | 22 | $10,000.00 | 20% | Approve | 1 | 0.9068069834 | Homeowner (1 if yes) | 0.1491035221 | 0.0908775946 | 1.6407071809 | 0.1079886209 | -0.0340482354 | 0.3322552795 | -0.0340482354 | 0.3322552795 | |
| Y | 1 | 695 | 16 | $9,700.00 | 11% | Approve | 1 | 0.9770354179 | Credit Score | 0.0004646758 | 0.0005998797 | 0.7746150185 | 0.4427100325 | -0.0007443023 | 0.001673654 | -0.0007443023 | 0.001673654 | |
| Y | 1 | 774 | 13 | $6,100.00 | 7% | Approve | 1 | 1.0482071612 | Years of Credit History | 0.0041981178 | 0.0067448242 | 0.6224206428 | 0.5368777849 | -0.0093951822 | 0.0177914179 | -0.0093951822 | 0.0177914179 | |
| Y | 1 | 802 | 10 | $10,500.00 | 5% | Approve | 1 | 1.0667922318 | Revolving Balance | -0.0000008645 | 0.0000037944 | -0.2278332169 | 0.8208313423 | -0.0000085116 | 0.0000067826 | -0.0000085116 | 0.0000067826 | |
| Y | 1 | 801 | 20 | $13,400.00 | 3% | Approve | 1 | 1.1277739734 | Revolving Utilization | -1.0986133381 | 0.1969840593 | -5.5771687402 | 0.0000014059 | -1.495608624 | -0.7016180522 | -1.495608624 | -0.7016180522 | |
| Y | 1 | 702 | 11 | $11,700.00 | 15% | Approve | 1 | 0.9136240414 | ||||||||||
| Y | 1 | 733 | 15 | $13,000.00 | 24% | Approve | 1 | 0.8448224233 | ||||||||||
| Y | 1 | 573 | 9 | $7,200.00 | 70% | Reject | 0 | 0.2449375023 | ||||||||||
| N | 0 | 625 | 15 | $12,800.00 | 65% | Reject | 0 | 0.1952753407 | ||||||||||
| N | 0 | 527 | 12 | $5,700.00 | 75% | Reject | 0 | 0.0334193168 | ||||||||||
| N | 0 | 620 | 5 | $22,800.00 | 62% | Reject | 0 | 0.1752842603 | ||||||||||
| Y | 1 | 591 | 17 | $16,500.00 | 50% | Reject | 0 | 0.4985694992 | x | |||||||||
| Y | 1 | 500 | 16 | $12,500.00 | 83% | Reject | 0 | 0.0930014479 | ||||||||||
| Y | 1 | 565 | 6 | $7,700.00 | 70% | Reject | 0 | 0.2281934959 | ||||||||||
| N | 0 | 620 | 3 | $37,400.00 | 87% | Reject | 0 | -0.1203868975 | ||||||||||
| N | 0 | 640 | 7 | $17,300.00 | 59% | Reject | 0 | 0.2306871205 | ||||||||||
| N | 0 | 523 | 14 | $27,000.00 | 79% | Reject | 0 | -0.0224013705 | ||||||||||
| N | 0 | 763 | 2 | $11,200.00 | 70% | Reject | 0 | 0.151277595 | ||||||||||
| N | 0 | 555 | 4 | $2,500.00 | 100% | Reject | 0 | -0.2590416616 | ||||||||||
| N | 0 | 617 | 9 | $8,400.00 | 34% | Reject | 0 | 0.5107431279 | x | |||||||||
| N | 0 | 635 | 7 | $29,100.00 | 85% | Reject | 0 | -0.0674767358 | ||||||||||
| N | 0 | 507 | 2 | $2,000.00 | 100% | Reject | 0 | -0.2893100913 | ||||||||||
| N | 0 | 485 | 5 | $1,000.00 | 80% | Reject | 0 | -0.0663514463 | ||||||||||
| N | 0 | 582 | 3 | $8,500.00 | 65% | Reject | 0 | 0.1286341826 | ||||||||||
| N | 0 | 585 | 18 | $31,000.00 | 78% | Reject | 0 | 0.0307291669 | ||||||||||
| Y | 1 | 620 | 8 | $16,200.00 | 55% | Reject | 0 | 0.4195907187 | ||||||||||
| N | 0 | 640 | 7 | $17,300.00 | 59% | Reject | 0 | 0.2306871205 | ||||||||||
| N | 0 | 536 | 14 | $27,000.00 | 79% | Reject | 0 | -0.0163605846 | ||||||||||
| N | 0 | 760 | 2 | $11,200.00 | 70% | Reject | 0 | 0.1498835675 | ||||||||||
| N | 0 | 567 | 4 | $2,200.00 | 95% | Reject | 0 | -0.198275537 | ||||||||||
| N | 0 | 600 | 10 | $12,050.00 | 81% | Reject | 0 | -0.0124619092 | ||||||||||
| Y | 1 | 636 | 8 | $29,100.00 | 85% | Reject | 0 | 0.08628958 | ||||||||||
| N | 0 | 509 | 3 | $2,000.00 | 100% | Reject | 0 | -0.2841826218 | ||||||||||
| N | 0 | 595 | 18 | $29,000.00 | 78% | Reject | 0 | 0.0371049099 | ||||||||||
| 1 | 490 | 26 | $8,000.00 | 15% | Approve | 1 | 0.8812831532 | |||||||||||
| Approve | 0.9130434783 | 723.3913043478 | 14.5217391304 | 12622.6086956522 | 0.1647826087 | 0.9083452566 | cut off | |||||||||||
| Reject | 0.2222222222 | 591.7037037037 | 8.4444444444 | 15061.1111111111 | 0.7459259259 | 0.0780762629 | 0.4932107598 |
Records to Classify
| Homeowner | Credit Score | Years of Credit History | Revolving Balance | Revolving 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% | |
