Mohammed_Zuhaib.ipynb

{
 "cells": [
  {
   "cell_type": "markdown",
   "id": "2f32d9be",
   "metadata": {},
   "source": [
    "## Lending Club Case Study\n",
    "\n",
    "### Business Understanding\n",
    "\n",
    "#### You work for a consumer finance company which specialises in lending various types of loans to urban customers. When the company receives a loan application, the company has to make a decision for loan approval based on the applicant’s profile. Two types of risks are associated with the bank’s decision. If the applicant is likely to repay the loan, then not approving the loan results in a loss of business to the company. If the applicant is not likely to repay the loan, i.e. he/she is likely to default, then approving the loan may lead to a financial loss for the company\n",
    "\n",
    "### When a person applies for a loan, there are two types of decisions that could be taken by the company:\n",
    "#### Loan accepted: If the company approves the loan, there are 3 possible scenarios described below:\n",
    "#### Fully paid: Applicant has fully paid the loan (the principal and the interest rate)\n",
    "#### Current: Applicant is in the process of paying the instalments, i.e. the tenure of the loan is not yet completed. These candidates are not labelled as 'defaulted'.\n",
    "#### Charged-off: Applicant has not paid the instalments in due time for a long period of time, i.e. he/she has defaulted on the loan \n",
    "#### Loan rejected: The company had rejected the loan (because the candidate does not meet their requirements\n",
    "\n",
    "### AIm: To identify how various factors affect the defaulting of a customer loan."
   ]
  },
  {
   "cell_type": "markdown",
   "id": "fc6fa01d",
   "metadata": {},
   "source": [
    "#### importing the necessary libraries"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 107,
   "id": "cf95ffc7",
   "metadata": {},
   "outputs": [],
   "source": [
    "import numpy as np\n",
    "import pandas as pd\n",
    "import matplotlib.pyplot as plt\n",
    "import seaborn as sns"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "0a246df3",
   "metadata": {},
   "source": [
    "#### code to ignore the warning messages"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 108,
   "id": "6a416735",
   "metadata": {},
   "outputs": [],
   "source": [
    "import warnings\n",
    "warnings.filterwarnings('ignore')"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "015278cd",
   "metadata": {},
   "source": [
    "#### Reading the data from the data frame"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 109,
   "id": "d54c8045",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>id</th>\n",
       "      <th>member_id</th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>funded_amnt</th>\n",
       "      <th>funded_amnt_inv</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "      <th>...</th>\n",
       "      <th>num_tl_90g_dpd_24m</th>\n",
       "      <th>num_tl_op_past_12m</th>\n",
       "      <th>pct_tl_nvr_dlq</th>\n",
       "      <th>percent_bc_gt_75</th>\n",
       "      <th>pub_rec_bankruptcies</th>\n",
       "      <th>tax_liens</th>\n",
       "      <th>tot_hi_cred_lim</th>\n",
       "      <th>total_bal_ex_mort</th>\n",
       "      <th>total_bc_limit</th>\n",
       "      <th>total_il_high_credit_limit</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>0</th>\n",
       "      <td>1077501</td>\n",
       "      <td>1296599</td>\n",
       "      <td>5000</td>\n",
       "      <td>5000</td>\n",
       "      <td>4975.0</td>\n",
       "      <td>36 months</td>\n",
       "      <td>10.65%</td>\n",
       "      <td>162.87</td>\n",
       "      <td>B</td>\n",
       "      <td>B2</td>\n",
       "      <td>...</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>0.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>1077430</td>\n",
       "      <td>1314167</td>\n",
       "      <td>2500</td>\n",
       "      <td>2500</td>\n",
       "      <td>2500.0</td>\n",
       "      <td>60 months</td>\n",
       "      <td>15.27%</td>\n",
       "      <td>59.83</td>\n",
       "      <td>C</td>\n",
       "      <td>C4</td>\n",
       "      <td>...</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>0.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2</th>\n",
       "      <td>1077175</td>\n",
       "      <td>1313524</td>\n",
       "      <td>2400</td>\n",
       "      <td>2400</td>\n",
       "      <td>2400.0</td>\n",
       "      <td>36 months</td>\n",
       "      <td>15.96%</td>\n",
       "      <td>84.33</td>\n",
       "      <td>C</td>\n",
       "      <td>C5</td>\n",
       "      <td>...</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>0.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>3</th>\n",
       "      <td>1076863</td>\n",
       "      <td>1277178</td>\n",
       "      <td>10000</td>\n",
       "      <td>10000</td>\n",
       "      <td>10000.0</td>\n",
       "      <td>36 months</td>\n",
       "      <td>13.49%</td>\n",
       "      <td>339.31</td>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "      <td>...</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>0.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>4</th>\n",
       "      <td>1075358</td>\n",
       "      <td>1311748</td>\n",
       "      <td>3000</td>\n",
       "      <td>3000</td>\n",
       "      <td>3000.0</td>\n",
       "      <td>60 months</td>\n",
       "      <td>12.69%</td>\n",
       "      <td>67.79</td>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "      <td>...</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>0.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "<p>5 rows × 111 columns</p>\n",
       "</div>"
      ],
      "text/plain": [
       "        id  member_id  loan_amnt  funded_amnt  funded_amnt_inv        term  \\\n",
       "0  1077501    1296599       5000         5000           4975.0   36 months   \n",
       "1  1077430    1314167       2500         2500           2500.0   60 months   \n",
       "2  1077175    1313524       2400         2400           2400.0   36 months   \n",
       "3  1076863    1277178      10000        10000          10000.0   36 months   \n",
       "4  1075358    1311748       3000         3000           3000.0   60 months   \n",
       "\n",
       "  int_rate  installment grade sub_grade  ... num_tl_90g_dpd_24m  \\\n",
       "0   10.65%       162.87     B        B2  ...                NaN   \n",
       "1   15.27%        59.83     C        C4  ...                NaN   \n",
       "2   15.96%        84.33     C        C5  ...                NaN   \n",
       "3   13.49%       339.31     C        C1  ...                NaN   \n",
       "4   12.69%        67.79     B        B5  ...                NaN   \n",
       "\n",
       "  num_tl_op_past_12m pct_tl_nvr_dlq  percent_bc_gt_75 pub_rec_bankruptcies  \\\n",
       "0                NaN            NaN               NaN                  0.0   \n",
       "1                NaN            NaN               NaN                  0.0   \n",
       "2                NaN            NaN               NaN                  0.0   \n",
       "3                NaN            NaN               NaN                  0.0   \n",
       "4                NaN            NaN               NaN                  0.0   \n",
       "\n",
       "  tax_liens tot_hi_cred_lim total_bal_ex_mort total_bc_limit  \\\n",
       "0       0.0             NaN               NaN            NaN   \n",
       "1       0.0             NaN               NaN            NaN   \n",
       "2       0.0             NaN               NaN            NaN   \n",
       "3       0.0             NaN               NaN            NaN   \n",
       "4       0.0             NaN               NaN            NaN   \n",
       "\n",
       "  total_il_high_credit_limit  \n",
       "0                        NaN  \n",
       "1                        NaN  \n",
       "2                        NaN  \n",
       "3                        NaN  \n",
       "4                        NaN  \n",
       "\n",
       "[5 rows x 111 columns]"
      ]
     },
     "execution_count": 109,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan_data = pd.read_csv('loan.csv')\n",
    "loan_data.head()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 110,
   "id": "2b1462b2",
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "<class 'pandas.core.frame.DataFrame'>\n",
      "RangeIndex: 39717 entries, 0 to 39716\n",
      "Columns: 111 entries, id to total_il_high_credit_limit\n",
      "dtypes: float64(74), int64(13), object(24)\n",
      "memory usage: 33.6+ MB\n"
     ]
    }
   ],
   "source": [
    "loan_data.info()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "a0537709",
   "metadata": {},
   "source": [
    "#### The number of columns are too large and we might not need all of them for our analysis, so we can drop the ones we don't need."
   ]
  },
  {
   "cell_type": "markdown",
   "id": "37151678",
   "metadata": {},
   "source": [
    "#### we will only consider the columns we need for our analysis. Our target variable is loan_status."
   ]
  },
  {
   "cell_type": "markdown",
   "id": "91630178",
   "metadata": {},
   "source": [
    "#### First let us drop all the columns having only NULL values which are of no use to us"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 111,
   "id": "0b933de9",
   "metadata": {
    "scrolled": false
   },
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "<class 'pandas.core.frame.DataFrame'>\n",
      "RangeIndex: 39717 entries, 0 to 39716\n",
      "Data columns (total 57 columns):\n",
      " #   Column                      Non-Null Count  Dtype  \n",
      "---  ------                      --------------  -----  \n",
      " 0   id                          39717 non-null  int64  \n",
      " 1   member_id                   39717 non-null  int64  \n",
      " 2   loan_amnt                   39717 non-null  int64  \n",
      " 3   funded_amnt                 39717 non-null  int64  \n",
      " 4   funded_amnt_inv             39717 non-null  float64\n",
      " 5   term                        39717 non-null  object \n",
      " 6   int_rate                    39717 non-null  object \n",
      " 7   installment                 39717 non-null  float64\n",
      " 8   grade                       39717 non-null  object \n",
      " 9   sub_grade                   39717 non-null  object \n",
      " 10  emp_title                   37258 non-null  object \n",
      " 11  emp_length                  38642 non-null  object \n",
      " 12  home_ownership              39717 non-null  object \n",
      " 13  annual_inc                  39717 non-null  float64\n",
      " 14  verification_status         39717 non-null  object \n",
      " 15  issue_d                     39717 non-null  object \n",
      " 16  loan_status                 39717 non-null  object \n",
      " 17  pymnt_plan                  39717 non-null  object \n",
      " 18  url                         39717 non-null  object \n",
      " 19  desc                        26777 non-null  object \n",
      " 20  purpose                     39717 non-null  object \n",
      " 21  title                       39706 non-null  object \n",
      " 22  zip_code                    39717 non-null  object \n",
      " 23  addr_state                  39717 non-null  object \n",
      " 24  dti                         39717 non-null  float64\n",
      " 25  delinq_2yrs                 39717 non-null  int64  \n",
      " 26  earliest_cr_line            39717 non-null  object \n",
      " 27  inq_last_6mths              39717 non-null  int64  \n",
      " 28  mths_since_last_delinq      14035 non-null  float64\n",
      " 29  mths_since_last_record      2786 non-null   float64\n",
      " 30  open_acc                    39717 non-null  int64  \n",
      " 31  pub_rec                     39717 non-null  int64  \n",
      " 32  revol_bal                   39717 non-null  int64  \n",
      " 33  revol_util                  39667 non-null  object \n",
      " 34  total_acc                   39717 non-null  int64  \n",
      " 35  initial_list_status         39717 non-null  object \n",
      " 36  out_prncp                   39717 non-null  float64\n",
      " 37  out_prncp_inv               39717 non-null  float64\n",
      " 38  total_pymnt                 39717 non-null  float64\n",
      " 39  total_pymnt_inv             39717 non-null  float64\n",
      " 40  total_rec_prncp             39717 non-null  float64\n",
      " 41  total_rec_int               39717 non-null  float64\n",
      " 42  total_rec_late_fee          39717 non-null  float64\n",
      " 43  recoveries                  39717 non-null  float64\n",
      " 44  collection_recovery_fee     39717 non-null  float64\n",
      " 45  last_pymnt_d                39646 non-null  object \n",
      " 46  last_pymnt_amnt             39717 non-null  float64\n",
      " 47  next_pymnt_d                1140 non-null   object \n",
      " 48  last_credit_pull_d          39715 non-null  object \n",
      " 49  collections_12_mths_ex_med  39661 non-null  float64\n",
      " 50  policy_code                 39717 non-null  int64  \n",
      " 51  application_type            39717 non-null  object \n",
      " 52  acc_now_delinq              39717 non-null  int64  \n",
      " 53  chargeoff_within_12_mths    39661 non-null  float64\n",
      " 54  delinq_amnt                 39717 non-null  int64  \n",
      " 55  pub_rec_bankruptcies        39020 non-null  float64\n",
      " 56  tax_liens                   39678 non-null  float64\n",
      "dtypes: float64(20), int64(13), object(24)\n",
      "memory usage: 17.3+ MB\n"
     ]
    }
   ],
   "source": [
    "df=loan_data.dropna(axis=1,how='all')\n",
    "df.info()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "8d318083",
   "metadata": {},
   "source": [
    "#### We can now pick the columns needed for analysis"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 112,
   "id": "ab8ef776",
   "metadata": {},
   "outputs": [],
   "source": [
    "loan = loan_data.loc[:,['id','loan_amnt','member_id','term','int_rate','installment','home_ownership','annual_inc','verification_status',\n",
    "                        'issue_d','loan_status','pymnt_plan','addr_state','delinq_2yrs','mths_since_last_delinq',\n",
    "                        'total_rec_late_fee','application_type','total_pymnt','last_pymnt_amnt','delinq_amnt','tax_liens','grade','sub_grade']]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 113,
   "id": "ae22347b",
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "<class 'pandas.core.frame.DataFrame'>\n",
      "RangeIndex: 39717 entries, 0 to 39716\n",
      "Data columns (total 23 columns):\n",
      " #   Column                  Non-Null Count  Dtype  \n",
      "---  ------                  --------------  -----  \n",
      " 0   id                      39717 non-null  int64  \n",
      " 1   loan_amnt               39717 non-null  int64  \n",
      " 2   member_id               39717 non-null  int64  \n",
      " 3   term                    39717 non-null  object \n",
      " 4   int_rate                39717 non-null  object \n",
      " 5   installment             39717 non-null  float64\n",
      " 6   home_ownership          39717 non-null  object \n",
      " 7   annual_inc              39717 non-null  float64\n",
      " 8   verification_status     39717 non-null  object \n",
      " 9   issue_d                 39717 non-null  object \n",
      " 10  loan_status             39717 non-null  object \n",
      " 11  pymnt_plan              39717 non-null  object \n",
      " 12  addr_state              39717 non-null  object \n",
      " 13  delinq_2yrs             39717 non-null  int64  \n",
      " 14  mths_since_last_delinq  14035 non-null  float64\n",
      " 15  total_rec_late_fee      39717 non-null  float64\n",
      " 16  application_type        39717 non-null  object \n",
      " 17  total_pymnt             39717 non-null  float64\n",
      " 18  last_pymnt_amnt         39717 non-null  float64\n",
      " 19  delinq_amnt             39717 non-null  int64  \n",
      " 20  tax_liens               39678 non-null  float64\n",
      " 21  grade                   39717 non-null  object \n",
      " 22  sub_grade               39717 non-null  object \n",
      "dtypes: float64(7), int64(5), object(11)\n",
      "memory usage: 7.0+ MB\n"
     ]
    }
   ],
   "source": [
    "loan.info()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "5817f807",
   "metadata": {},
   "source": [
    "#### we can drop mnths_since_last_delinq as well since more than half of it's values are NULL"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 114,
   "id": "c242416d",
   "metadata": {},
   "outputs": [],
   "source": [
    "loan = loan.drop(columns=['mths_since_last_delinq'])"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "bafef707",
   "metadata": {},
   "source": [
    "### Features\n",
    "* **id**  -                    A unique assigned ID for the loan listing.  \n",
    "* **loan_amnt** -              The listed amount of the loan applied for by the borrower. \n",
    "* **member_id** -              A unique LC assigned Id for the borrower member.  \n",
    "* **term** -                   The number of payments on the loan. Values are in months and can be either 36 or 60.\n",
    "* **int_rate** -               Interest Rate on the loan\n",
    "* **installment** -            The monthly payment owed by the borrower\n",
    "* **home_ownership** -         The home ownership status provided by the borrower during registration.\n",
    "* **annual_inc** -             The self-reported annual income provided by the borrower during registration.\n",
    "* **verification_status** -    Indicates if income was verified by LC, not verified \n",
    "* **issue_d** -                The month which the loan was funded\n",
    "* **loan_status** -            Current status of the loan \n",
    "* **pymnt_plan** -             Indicates if a payment plan has been put in place for the loan \n",
    "* **addr_state** -             The state provided by the borrower in the loan application\n",
    "* **delinq_2yrs** -            The number of 30+ days past-due incidences of delinquency in the borrower's credit file for the past 2 years  \n",
    "* **total_rec_late_fee** -     Late fees received to date\n",
    "* **application_type** -       Indicates whether the loan is an individual application or a joint application\n",
    "* **total_pymnt** -            Payments received to date for total amount funded\n",
    "* **last_pymnt_amnt** -         Last total payment amount received\n",
    "* **delinq_amnt** -            The past-due amount owed for the accounts on which the borrower is now delinquent.  \n",
    "* **tax_liens** -              Number of tax liens"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 115,
   "id": "c11d90e8",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "(39717, 22)"
      ]
     },
     "execution_count": 115,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan.shape"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 116,
   "id": "8c5266bc",
   "metadata": {},
   "outputs": [
    {
     "name": "stdout",
     "output_type": "stream",
     "text": [
      "<class 'pandas.core.frame.DataFrame'>\n",
      "RangeIndex: 39717 entries, 0 to 39716\n",
      "Data columns (total 22 columns):\n",
      " #   Column               Non-Null Count  Dtype  \n",
      "---  ------               --------------  -----  \n",
      " 0   id                   39717 non-null  int64  \n",
      " 1   loan_amnt            39717 non-null  int64  \n",
      " 2   member_id            39717 non-null  int64  \n",
      " 3   term                 39717 non-null  object \n",
      " 4   int_rate             39717 non-null  object \n",
      " 5   installment          39717 non-null  float64\n",
      " 6   home_ownership       39717 non-null  object \n",
      " 7   annual_inc           39717 non-null  float64\n",
      " 8   verification_status  39717 non-null  object \n",
      " 9   issue_d              39717 non-null  object \n",
      " 10  loan_status          39717 non-null  object \n",
      " 11  pymnt_plan           39717 non-null  object \n",
      " 12  addr_state           39717 non-null  object \n",
      " 13  delinq_2yrs          39717 non-null  int64  \n",
      " 14  total_rec_late_fee   39717 non-null  float64\n",
      " 15  application_type     39717 non-null  object \n",
      " 16  total_pymnt          39717 non-null  float64\n",
      " 17  last_pymnt_amnt      39717 non-null  float64\n",
      " 18  delinq_amnt          39717 non-null  int64  \n",
      " 19  tax_liens            39678 non-null  float64\n",
      " 20  grade                39717 non-null  object \n",
      " 21  sub_grade            39717 non-null  object \n",
      "dtypes: float64(6), int64(5), object(11)\n",
      "memory usage: 6.7+ MB\n"
     ]
    }
   ],
   "source": [
    "loan.info()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "54281518",
   "metadata": {},
   "source": [
    "#### tax_liens column has some NULL values, let us check it's distribution to see what can be done"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 117,
   "id": "6f9e30d9",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "count    39678.0\n",
       "mean         0.0\n",
       "std          0.0\n",
       "min          0.0\n",
       "25%          0.0\n",
       "50%          0.0\n",
       "75%          0.0\n",
       "max          0.0\n",
       "Name: tax_liens, dtype: float64"
      ]
     },
     "execution_count": 117,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan.tax_liens.describe()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 118,
   "id": "e4a705aa",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "0.0    39678\n",
       "Name: tax_liens, dtype: int64"
      ]
     },
     "execution_count": 118,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan.tax_liens.value_counts()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "091ef3ff",
   "metadata": {},
   "source": [
    "#### As we can see that all the values are 0, we can drop this column for our anlysis"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 119,
   "id": "1412ead1",
   "metadata": {},
   "outputs": [],
   "source": [
    "loan = loan.drop(columns=['tax_liens'])"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 120,
   "id": "f12b57f0",
   "metadata": {
    "scrolled": true
   },
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
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       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>id</th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>member_id</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>verification_status</th>\n",
       "      <th>issue_d</th>\n",
       "      <th>...</th>\n",
       "      <th>pymnt_plan</th>\n",
       "      <th>addr_state</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>application_type</th>\n",
       "      <th>total_pymnt</th>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <th>delinq_amnt</th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>0</th>\n",
       "      <td>1077501</td>\n",
       "      <td>5000</td>\n",
       "      <td>1296599</td>\n",
       "      <td>36 months</td>\n",
       "      <td>10.65%</td>\n",
       "      <td>162.87</td>\n",
       "      <td>RENT</td>\n",
       "      <td>24000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>...</td>\n",
       "      <td>n</td>\n",
       "      <td>AZ</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>5863.155187</td>\n",
       "      <td>171.62</td>\n",
       "      <td>0</td>\n",
       "      <td>B</td>\n",
       "      <td>B2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>1077430</td>\n",
       "      <td>2500</td>\n",
       "      <td>1314167</td>\n",
       "      <td>60 months</td>\n",
       "      <td>15.27%</td>\n",
       "      <td>59.83</td>\n",
       "      <td>RENT</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>...</td>\n",
       "      <td>n</td>\n",
       "      <td>GA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>1008.710000</td>\n",
       "      <td>119.66</td>\n",
       "      <td>0</td>\n",
       "      <td>C</td>\n",
       "      <td>C4</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2</th>\n",
       "      <td>1077175</td>\n",
       "      <td>2400</td>\n",
       "      <td>1313524</td>\n",
       "      <td>36 months</td>\n",
       "      <td>15.96%</td>\n",
       "      <td>84.33</td>\n",
       "      <td>RENT</td>\n",
       "      <td>12252.0</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>...</td>\n",
       "      <td>n</td>\n",
       "      <td>IL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>3005.666844</td>\n",
       "      <td>649.91</td>\n",
       "      <td>0</td>\n",
       "      <td>C</td>\n",
       "      <td>C5</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>3</th>\n",
       "      <td>1076863</td>\n",
       "      <td>10000</td>\n",
       "      <td>1277178</td>\n",
       "      <td>36 months</td>\n",
       "      <td>13.49%</td>\n",
       "      <td>339.31</td>\n",
       "      <td>RENT</td>\n",
       "      <td>49200.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>...</td>\n",
       "      <td>n</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>16.97</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>12231.890000</td>\n",
       "      <td>357.48</td>\n",
       "      <td>0</td>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>4</th>\n",
       "      <td>1075358</td>\n",
       "      <td>3000</td>\n",
       "      <td>1311748</td>\n",
       "      <td>60 months</td>\n",
       "      <td>12.69%</td>\n",
       "      <td>67.79</td>\n",
       "      <td>RENT</td>\n",
       "      <td>80000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>...</td>\n",
       "      <td>n</td>\n",
       "      <td>OR</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>3513.330000</td>\n",
       "      <td>67.79</td>\n",
       "      <td>0</td>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "<p>5 rows × 21 columns</p>\n",
       "</div>"
      ],
      "text/plain": [
       "        id  loan_amnt  member_id        term int_rate  installment  \\\n",
       "0  1077501       5000    1296599   36 months   10.65%       162.87   \n",
       "1  1077430       2500    1314167   60 months   15.27%        59.83   \n",
       "2  1077175       2400    1313524   36 months   15.96%        84.33   \n",
       "3  1076863      10000    1277178   36 months   13.49%       339.31   \n",
       "4  1075358       3000    1311748   60 months   12.69%        67.79   \n",
       "\n",
       "  home_ownership  annual_inc verification_status issue_d  ... pymnt_plan  \\\n",
       "0           RENT     24000.0            Verified  Dec-11  ...          n   \n",
       "1           RENT     30000.0     Source Verified  Dec-11  ...          n   \n",
       "2           RENT     12252.0        Not Verified  Dec-11  ...          n   \n",
       "3           RENT     49200.0     Source Verified  Dec-11  ...          n   \n",
       "4           RENT     80000.0     Source Verified  Dec-11  ...          n   \n",
       "\n",
       "  addr_state delinq_2yrs  total_rec_late_fee  application_type   total_pymnt  \\\n",
       "0         AZ           0                0.00        INDIVIDUAL   5863.155187   \n",
       "1         GA           0                0.00        INDIVIDUAL   1008.710000   \n",
       "2         IL           0                0.00        INDIVIDUAL   3005.666844   \n",
       "3         CA           0               16.97        INDIVIDUAL  12231.890000   \n",
       "4         OR           0                0.00        INDIVIDUAL   3513.330000   \n",
       "\n",
       "   last_pymnt_amnt  delinq_amnt  grade sub_grade  \n",
       "0           171.62            0      B        B2  \n",
       "1           119.66            0      C        C4  \n",
       "2           649.91            0      C        C5  \n",
       "3           357.48            0      C        C1  \n",
       "4            67.79            0      B        B5  \n",
       "\n",
       "[5 rows x 21 columns]"
      ]
     },
     "execution_count": 120,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan.head()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 121,
   "id": "a6cfb3ab",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "0    39717\n",
       "Name: delinq_amnt, dtype: int64"
      ]
     },
     "execution_count": 121,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan.delinq_amnt.value_counts()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "6d77d40f",
   "metadata": {},
   "source": [
    "#### Since all the rows are zero in delinq_amnt we can drop this column"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 122,
   "id": "6089d4b2",
   "metadata": {},
   "outputs": [],
   "source": [
    "loan = loan.drop(columns=['delinq_amnt'])"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "e3828e99",
   "metadata": {},
   "source": [
    "#### loan.term should be an int but it is in the form of an object, similarly loan.int_rate should be converted to float"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 123,
   "id": "89c2859a",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "dtype('int64')"
      ]
     },
     "execution_count": 123,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan.term = loan.term.apply(lambda x: int(x.strip('months')))\n",
    "loan.term.dtype"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 124,
   "id": "75748db2",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "dtype('float64')"
      ]
     },
     "execution_count": 124,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan.int_rate = loan.int_rate.apply(lambda x: float(x.strip('%')))\n",
    "loan.int_rate.dtype"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 125,
   "id": "3f592df1",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
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       "        vertical-align: middle;\n",
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       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>id</th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>member_id</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>verification_status</th>\n",
       "      <th>issue_d</th>\n",
       "      <th>loan_status</th>\n",
       "      <th>pymnt_plan</th>\n",
       "      <th>addr_state</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>application_type</th>\n",
       "      <th>total_pymnt</th>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>0</th>\n",
       "      <td>1077501</td>\n",
       "      <td>5000</td>\n",
       "      <td>1296599</td>\n",
       "      <td>36</td>\n",
       "      <td>10.65</td>\n",
       "      <td>162.87</td>\n",
       "      <td>RENT</td>\n",
       "      <td>24000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Fully Paid</td>\n",
       "      <td>n</td>\n",
       "      <td>AZ</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>5863.155187</td>\n",
       "      <td>171.62</td>\n",
       "      <td>B</td>\n",
       "      <td>B2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>1077430</td>\n",
       "      <td>2500</td>\n",
       "      <td>1314167</td>\n",
       "      <td>60</td>\n",
       "      <td>15.27</td>\n",
       "      <td>59.83</td>\n",
       "      <td>RENT</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>n</td>\n",
       "      <td>GA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>1008.710000</td>\n",
       "      <td>119.66</td>\n",
       "      <td>C</td>\n",
       "      <td>C4</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2</th>\n",
       "      <td>1077175</td>\n",
       "      <td>2400</td>\n",
       "      <td>1313524</td>\n",
       "      <td>36</td>\n",
       "      <td>15.96</td>\n",
       "      <td>84.33</td>\n",
       "      <td>RENT</td>\n",
       "      <td>12252.0</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Fully Paid</td>\n",
       "      <td>n</td>\n",
       "      <td>IL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>3005.666844</td>\n",
       "      <td>649.91</td>\n",
       "      <td>C</td>\n",
       "      <td>C5</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>3</th>\n",
       "      <td>1076863</td>\n",
       "      <td>10000</td>\n",
       "      <td>1277178</td>\n",
       "      <td>36</td>\n",
       "      <td>13.49</td>\n",
       "      <td>339.31</td>\n",
       "      <td>RENT</td>\n",
       "      <td>49200.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Fully Paid</td>\n",
       "      <td>n</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>16.97</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>12231.890000</td>\n",
       "      <td>357.48</td>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>4</th>\n",
       "      <td>1075358</td>\n",
       "      <td>3000</td>\n",
       "      <td>1311748</td>\n",
       "      <td>60</td>\n",
       "      <td>12.69</td>\n",
       "      <td>67.79</td>\n",
       "      <td>RENT</td>\n",
       "      <td>80000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Current</td>\n",
       "      <td>n</td>\n",
       "      <td>OR</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>3513.330000</td>\n",
       "      <td>67.79</td>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "        id  loan_amnt  member_id  term  int_rate  installment home_ownership  \\\n",
       "0  1077501       5000    1296599    36     10.65       162.87           RENT   \n",
       "1  1077430       2500    1314167    60     15.27        59.83           RENT   \n",
       "2  1077175       2400    1313524    36     15.96        84.33           RENT   \n",
       "3  1076863      10000    1277178    36     13.49       339.31           RENT   \n",
       "4  1075358       3000    1311748    60     12.69        67.79           RENT   \n",
       "\n",
       "   annual_inc verification_status issue_d  loan_status pymnt_plan addr_state  \\\n",
       "0     24000.0            Verified  Dec-11   Fully Paid          n         AZ   \n",
       "1     30000.0     Source Verified  Dec-11  Charged Off          n         GA   \n",
       "2     12252.0        Not Verified  Dec-11   Fully Paid          n         IL   \n",
       "3     49200.0     Source Verified  Dec-11   Fully Paid          n         CA   \n",
       "4     80000.0     Source Verified  Dec-11      Current          n         OR   \n",
       "\n",
       "   delinq_2yrs  total_rec_late_fee application_type   total_pymnt  \\\n",
       "0            0                0.00       INDIVIDUAL   5863.155187   \n",
       "1            0                0.00       INDIVIDUAL   1008.710000   \n",
       "2            0                0.00       INDIVIDUAL   3005.666844   \n",
       "3            0               16.97       INDIVIDUAL  12231.890000   \n",
       "4            0                0.00       INDIVIDUAL   3513.330000   \n",
       "\n",
       "   last_pymnt_amnt grade sub_grade  \n",
       "0           171.62     B        B2  \n",
       "1           119.66     C        C4  \n",
       "2           649.91     C        C5  \n",
       "3           357.48     C        C1  \n",
       "4            67.79     B        B5  "
      ]
     },
     "execution_count": 125,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan.head()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "c7df3644",
   "metadata": {},
   "source": [
    "#### issue_d should be split in month and year to make analysis easier, create a new column by extracting month from issue_d"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 126,
   "id": "00b1211a",
   "metadata": {},
   "outputs": [],
   "source": [
    "# Importing datetime Module to extract month from date\n",
    "from datetime import datetime\n",
    "\n",
    "def get_month(x):\n",
    "    dt = datetime. strptime(x,'%b-%y')\n",
    "    return dt.month\n",
    "    \n",
    "loan['issue_d_month'] = loan.issue_d.apply(get_month)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 127,
   "id": "ecbb191d",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "0        12\n",
       "1        12\n",
       "2        12\n",
       "3        12\n",
       "4        12\n",
       "         ..\n",
       "39712     7\n",
       "39713     7\n",
       "39714     7\n",
       "39715     7\n",
       "39716     6\n",
       "Name: issue_d_month, Length: 39717, dtype: int64"
      ]
     },
     "execution_count": 127,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan['issue_d_month']"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 128,
   "id": "f5529dff",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "n    39717\n",
       "Name: pymnt_plan, dtype: int64"
      ]
     },
     "execution_count": 128,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan.pymnt_plan.value_counts()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "29807399",
   "metadata": {},
   "source": [
    "#### since all values are same in this column we can drop this column as well"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 129,
   "id": "dbf8b569",
   "metadata": {},
   "outputs": [],
   "source": [
    "loan = loan.drop(columns=['pymnt_plan'])"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 130,
   "id": "e4bcfd9f",
   "metadata": {
    "scrolled": false
   },
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>id</th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>member_id</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>verification_status</th>\n",
       "      <th>issue_d</th>\n",
       "      <th>loan_status</th>\n",
       "      <th>addr_state</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>application_type</th>\n",
       "      <th>total_pymnt</th>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "      <th>issue_d_month</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>0</th>\n",
       "      <td>1077501</td>\n",
       "      <td>5000</td>\n",
       "      <td>1296599</td>\n",
       "      <td>36</td>\n",
       "      <td>10.65</td>\n",
       "      <td>162.87</td>\n",
       "      <td>RENT</td>\n",
       "      <td>24000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Fully Paid</td>\n",
       "      <td>AZ</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>5863.155187</td>\n",
       "      <td>171.62</td>\n",
       "      <td>B</td>\n",
       "      <td>B2</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>1077430</td>\n",
       "      <td>2500</td>\n",
       "      <td>1314167</td>\n",
       "      <td>60</td>\n",
       "      <td>15.27</td>\n",
       "      <td>59.83</td>\n",
       "      <td>RENT</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>GA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>1008.710000</td>\n",
       "      <td>119.66</td>\n",
       "      <td>C</td>\n",
       "      <td>C4</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2</th>\n",
       "      <td>1077175</td>\n",
       "      <td>2400</td>\n",
       "      <td>1313524</td>\n",
       "      <td>36</td>\n",
       "      <td>15.96</td>\n",
       "      <td>84.33</td>\n",
       "      <td>RENT</td>\n",
       "      <td>12252.0</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Fully Paid</td>\n",
       "      <td>IL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>3005.666844</td>\n",
       "      <td>649.91</td>\n",
       "      <td>C</td>\n",
       "      <td>C5</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>3</th>\n",
       "      <td>1076863</td>\n",
       "      <td>10000</td>\n",
       "      <td>1277178</td>\n",
       "      <td>36</td>\n",
       "      <td>13.49</td>\n",
       "      <td>339.31</td>\n",
       "      <td>RENT</td>\n",
       "      <td>49200.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Fully Paid</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>16.97</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>12231.890000</td>\n",
       "      <td>357.48</td>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>4</th>\n",
       "      <td>1075358</td>\n",
       "      <td>3000</td>\n",
       "      <td>1311748</td>\n",
       "      <td>60</td>\n",
       "      <td>12.69</td>\n",
       "      <td>67.79</td>\n",
       "      <td>RENT</td>\n",
       "      <td>80000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Current</td>\n",
       "      <td>OR</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>3513.330000</td>\n",
       "      <td>67.79</td>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "        id  loan_amnt  member_id  term  int_rate  installment home_ownership  \\\n",
       "0  1077501       5000    1296599    36     10.65       162.87           RENT   \n",
       "1  1077430       2500    1314167    60     15.27        59.83           RENT   \n",
       "2  1077175       2400    1313524    36     15.96        84.33           RENT   \n",
       "3  1076863      10000    1277178    36     13.49       339.31           RENT   \n",
       "4  1075358       3000    1311748    60     12.69        67.79           RENT   \n",
       "\n",
       "   annual_inc verification_status issue_d  loan_status addr_state  \\\n",
       "0     24000.0            Verified  Dec-11   Fully Paid         AZ   \n",
       "1     30000.0     Source Verified  Dec-11  Charged Off         GA   \n",
       "2     12252.0        Not Verified  Dec-11   Fully Paid         IL   \n",
       "3     49200.0     Source Verified  Dec-11   Fully Paid         CA   \n",
       "4     80000.0     Source Verified  Dec-11      Current         OR   \n",
       "\n",
       "   delinq_2yrs  total_rec_late_fee application_type   total_pymnt  \\\n",
       "0            0                0.00       INDIVIDUAL   5863.155187   \n",
       "1            0                0.00       INDIVIDUAL   1008.710000   \n",
       "2            0                0.00       INDIVIDUAL   3005.666844   \n",
       "3            0               16.97       INDIVIDUAL  12231.890000   \n",
       "4            0                0.00       INDIVIDUAL   3513.330000   \n",
       "\n",
       "   last_pymnt_amnt grade sub_grade  issue_d_month  \n",
       "0           171.62     B        B2             12  \n",
       "1           119.66     C        C4             12  \n",
       "2           649.91     C        C5             12  \n",
       "3           357.48     C        C1             12  \n",
       "4            67.79     B        B5             12  "
      ]
     },
     "execution_count": 130,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan.head()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "27c92a5b",
   "metadata": {},
   "source": [
    "#### Since our Primary Analysis is for Defaulting Customers we can filter the data set appropriately by removing Current loan status records as we can't infer anything from them."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 131,
   "id": "1230ea2f",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "(5627, 20)"
      ]
     },
     "execution_count": 131,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1 = loan[loan.loan_status == 'Charged Off']\n",
    "loan1.shape"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "97197853",
   "metadata": {},
   "source": [
    "#### Detecting outliers in Numeric data types"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 132,
   "id": "82ca900b",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "count     5627.000000\n",
       "mean     12104.385108\n",
       "std       8085.732038\n",
       "min        900.000000\n",
       "25%       5600.000000\n",
       "50%      10000.000000\n",
       "75%      16500.000000\n",
       "max      35000.000000\n",
       "Name: loan_amnt, dtype: float64"
      ]
     },
     "execution_count": 132,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1.loan_amnt.describe()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 133,
   "id": "0e07c7bf",
   "metadata": {
    "scrolled": true
   },
   "outputs": [
    {
     "data": {
      "image/png": "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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "plt.boxplot(loan1['loan_amnt'])\n",
    "plt.title(\"Boxplot of Loan Amount\")\n",
    "plt.ylabel(\"Loan amount\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 134,
   "id": "228b4918",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>id</th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>member_id</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>verification_status</th>\n",
       "      <th>issue_d</th>\n",
       "      <th>loan_status</th>\n",
       "      <th>addr_state</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>application_type</th>\n",
       "      <th>total_pymnt</th>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "      <th>issue_d_month</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>430</th>\n",
       "      <td>1029473</td>\n",
       "      <td>33425</td>\n",
       "      <td>1258841</td>\n",
       "      <td>60</td>\n",
       "      <td>13.49</td>\n",
       "      <td>475.63</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>75000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NY</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>19893.95</td>\n",
       "      <td>1370.08</td>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>496</th>\n",
       "      <td>1063393</td>\n",
       "      <td>35000</td>\n",
       "      <td>1295948</td>\n",
       "      <td>60</td>\n",
       "      <td>20.30</td>\n",
       "      <td>619.88</td>\n",
       "      <td>OWN</td>\n",
       "      <td>85000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>FL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>3093.50</td>\n",
       "      <td>619.88</td>\n",
       "      <td>E</td>\n",
       "      <td>E5</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>765</th>\n",
       "      <td>1053763</td>\n",
       "      <td>35000</td>\n",
       "      <td>1285365</td>\n",
       "      <td>60</td>\n",
       "      <td>20.89</td>\n",
       "      <td>576.27</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>71316.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NC</td>\n",
       "      <td>1</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>1151.20</td>\n",
       "      <td>576.27</td>\n",
       "      <td>F</td>\n",
       "      <td>F1</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>836</th>\n",
       "      <td>1059319</td>\n",
       "      <td>35000</td>\n",
       "      <td>1291122</td>\n",
       "      <td>60</td>\n",
       "      <td>19.03</td>\n",
       "      <td>593.77</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>235000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>19075.97</td>\n",
       "      <td>31.28</td>\n",
       "      <td>E</td>\n",
       "      <td>E2</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>887</th>\n",
       "      <td>1058824</td>\n",
       "      <td>35000</td>\n",
       "      <td>1290419</td>\n",
       "      <td>60</td>\n",
       "      <td>20.89</td>\n",
       "      <td>944.71</td>\n",
       "      <td>RENT</td>\n",
       "      <td>90000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>94.480000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>43184.67</td>\n",
       "      <td>944.71</td>\n",
       "      <td>F</td>\n",
       "      <td>F1</td>\n",
       "      <td>12</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",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>19027</th>\n",
       "      <td>683184</td>\n",
       "      <td>35000</td>\n",
       "      <td>872476</td>\n",
       "      <td>60</td>\n",
       "      <td>16.02</td>\n",
       "      <td>851.51</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>92000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Feb-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NV</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>13217.03</td>\n",
       "      <td>3000.00</td>\n",
       "      <td>D</td>\n",
       "      <td>D5</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>19142</th>\n",
       "      <td>679239</td>\n",
       "      <td>35000</td>\n",
       "      <td>867705</td>\n",
       "      <td>60</td>\n",
       "      <td>16.77</td>\n",
       "      <td>865.52</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>101000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Feb-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>MA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>28981.17</td>\n",
       "      <td>32.06</td>\n",
       "      <td>E</td>\n",
       "      <td>E2</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>19238</th>\n",
       "      <td>679046</td>\n",
       "      <td>35000</td>\n",
       "      <td>867473</td>\n",
       "      <td>60</td>\n",
       "      <td>16.40</td>\n",
       "      <td>858.59</td>\n",
       "      <td>OWN</td>\n",
       "      <td>76000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Feb-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>FL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>10297.35</td>\n",
       "      <td>200.33</td>\n",
       "      <td>E</td>\n",
       "      <td>E1</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>19430</th>\n",
       "      <td>674982</td>\n",
       "      <td>35000</td>\n",
       "      <td>862684</td>\n",
       "      <td>60</td>\n",
       "      <td>21.22</td>\n",
       "      <td>951.21</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>58000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Feb-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NY</td>\n",
       "      <td>0</td>\n",
       "      <td>44.940951</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>14374.43</td>\n",
       "      <td>952.25</td>\n",
       "      <td>G</td>\n",
       "      <td>G4</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>19578</th>\n",
       "      <td>673070</td>\n",
       "      <td>35000</td>\n",
       "      <td>860334</td>\n",
       "      <td>60</td>\n",
       "      <td>17.51</td>\n",
       "      <td>879.47</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>113000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Feb-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CO</td>\n",
       "      <td>1</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>3511.24</td>\n",
       "      <td>879.47</td>\n",
       "      <td>E</td>\n",
       "      <td>E4</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "<p>157 rows × 20 columns</p>\n",
       "</div>"
      ],
      "text/plain": [
       "            id  loan_amnt  member_id  term  int_rate  installment  \\\n",
       "430    1029473      33425    1258841    60     13.49       475.63   \n",
       "496    1063393      35000    1295948    60     20.30       619.88   \n",
       "765    1053763      35000    1285365    60     20.89       576.27   \n",
       "836    1059319      35000    1291122    60     19.03       593.77   \n",
       "887    1058824      35000    1290419    60     20.89       944.71   \n",
       "...        ...        ...        ...   ...       ...          ...   \n",
       "19027   683184      35000     872476    60     16.02       851.51   \n",
       "19142   679239      35000     867705    60     16.77       865.52   \n",
       "19238   679046      35000     867473    60     16.40       858.59   \n",
       "19430   674982      35000     862684    60     21.22       951.21   \n",
       "19578   673070      35000     860334    60     17.51       879.47   \n",
       "\n",
       "      home_ownership  annual_inc verification_status issue_d  loan_status  \\\n",
       "430         MORTGAGE     75000.0     Source Verified  Dec-11  Charged Off   \n",
       "496              OWN     85000.0            Verified  Dec-11  Charged Off   \n",
       "765         MORTGAGE     71316.0            Verified  Dec-11  Charged Off   \n",
       "836         MORTGAGE    235000.0            Verified  Dec-11  Charged Off   \n",
       "887             RENT     90000.0     Source Verified  Dec-11  Charged Off   \n",
       "...              ...         ...                 ...     ...          ...   \n",
       "19027       MORTGAGE     92000.0            Verified  Feb-11  Charged Off   \n",
       "19142       MORTGAGE    101000.0            Verified  Feb-11  Charged Off   \n",
       "19238            OWN     76000.0            Verified  Feb-11  Charged Off   \n",
       "19430       MORTGAGE     58000.0            Verified  Feb-11  Charged Off   \n",
       "19578       MORTGAGE    113000.0            Verified  Feb-11  Charged Off   \n",
       "\n",
       "      addr_state  delinq_2yrs  total_rec_late_fee application_type  \\\n",
       "430           NY            0            0.000000       INDIVIDUAL   \n",
       "496           FL            0            0.000000       INDIVIDUAL   \n",
       "765           NC            1            0.000000       INDIVIDUAL   \n",
       "836           CA            0            0.000000       INDIVIDUAL   \n",
       "887           CA            0           94.480000       INDIVIDUAL   \n",
       "...          ...          ...                 ...              ...   \n",
       "19027         NV            0            0.000000       INDIVIDUAL   \n",
       "19142         MA            0            0.000000       INDIVIDUAL   \n",
       "19238         FL            0            0.000000       INDIVIDUAL   \n",
       "19430         NY            0           44.940951       INDIVIDUAL   \n",
       "19578         CO            1            0.000000       INDIVIDUAL   \n",
       "\n",
       "       total_pymnt  last_pymnt_amnt grade sub_grade  issue_d_month  \n",
       "430       19893.95          1370.08     C        C1             12  \n",
       "496        3093.50           619.88     E        E5             12  \n",
       "765        1151.20           576.27     F        F1             12  \n",
       "836       19075.97            31.28     E        E2             12  \n",
       "887       43184.67           944.71     F        F1             12  \n",
       "...            ...              ...   ...       ...            ...  \n",
       "19027     13217.03          3000.00     D        D5              2  \n",
       "19142     28981.17            32.06     E        E2              2  \n",
       "19238     10297.35           200.33     E        E1              2  \n",
       "19430     14374.43           952.25     G        G4              2  \n",
       "19578      3511.24           879.47     E        E4              2  \n",
       "\n",
       "[157 rows x 20 columns]"
      ]
     },
     "execution_count": 134,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1[loan1.loan_amnt > 33000]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 135,
   "id": "d3c6badd",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "(5470, 20)"
      ]
     },
     "execution_count": 135,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1 = loan1[loan1.loan_amnt <= 33000]\n",
    "loan1.shape"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 136,
   "id": "829a2d4e",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "count    5470.000000\n",
       "mean       13.715982\n",
       "std         3.603932\n",
       "min         5.420000\n",
       "25%        11.140000\n",
       "50%        13.490000\n",
       "75%        16.320000\n",
       "max        24.400000\n",
       "Name: int_rate, dtype: float64"
      ]
     },
     "execution_count": 136,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1.int_rate.describe()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 137,
   "id": "d6648192",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "plt.boxplot(loan1['int_rate'])\n",
    "plt.title(\"Box Plot of Interest Rate\")\n",
    "plt.ylabel(\"Interest Rate\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 138,
   "id": "fddceb48",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>id</th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>member_id</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>verification_status</th>\n",
       "      <th>issue_d</th>\n",
       "      <th>loan_status</th>\n",
       "      <th>addr_state</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>application_type</th>\n",
       "      <th>total_pymnt</th>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "      <th>issue_d_month</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>601</th>\n",
       "      <td>1058624</td>\n",
       "      <td>12375</td>\n",
       "      <td>1290219</td>\n",
       "      <td>60</td>\n",
       "      <td>23.13</td>\n",
       "      <td>349.79</td>\n",
       "      <td>RENT</td>\n",
       "      <td>40000.00</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>FL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>8530.26</td>\n",
       "      <td>52.05</td>\n",
       "      <td>G</td>\n",
       "      <td>G2</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2447</th>\n",
       "      <td>1036060</td>\n",
       "      <td>26300</td>\n",
       "      <td>1265925</td>\n",
       "      <td>60</td>\n",
       "      <td>23.13</td>\n",
       "      <td>743.38</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>65000.00</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>OH</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>16354.36</td>\n",
       "      <td>743.38</td>\n",
       "      <td>G</td>\n",
       "      <td>G2</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2749</th>\n",
       "      <td>896003</td>\n",
       "      <td>30000</td>\n",
       "      <td>1116554</td>\n",
       "      <td>60</td>\n",
       "      <td>23.52</td>\n",
       "      <td>854.71</td>\n",
       "      <td>RENT</td>\n",
       "      <td>110000.00</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>DC</td>\n",
       "      <td>0</td>\n",
       "      <td>42.686994</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>7625.93</td>\n",
       "      <td>876.00</td>\n",
       "      <td>G</td>\n",
       "      <td>G3</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2801</th>\n",
       "      <td>1031468</td>\n",
       "      <td>14825</td>\n",
       "      <td>1261116</td>\n",
       "      <td>60</td>\n",
       "      <td>23.52</td>\n",
       "      <td>422.37</td>\n",
       "      <td>RENT</td>\n",
       "      <td>45600.00</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Nov-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>FL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>2183.83</td>\n",
       "      <td>844.74</td>\n",
       "      <td>G</td>\n",
       "      <td>G3</td>\n",
       "      <td>11</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>3094</th>\n",
       "      <td>1025574</td>\n",
       "      <td>30000</td>\n",
       "      <td>1254736</td>\n",
       "      <td>60</td>\n",
       "      <td>23.13</td>\n",
       "      <td>847.96</td>\n",
       "      <td>RENT</td>\n",
       "      <td>102500.00</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Nov-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>7810.50</td>\n",
       "      <td>100.00</td>\n",
       "      <td>G</td>\n",
       "      <td>G2</td>\n",
       "      <td>11</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>4214</th>\n",
       "      <td>1006364</td>\n",
       "      <td>23200</td>\n",
       "      <td>1232779</td>\n",
       "      <td>60</td>\n",
       "      <td>23.52</td>\n",
       "      <td>660.97</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>85000.00</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Nov-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>TX</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>31471.29</td>\n",
       "      <td>200.00</td>\n",
       "      <td>G</td>\n",
       "      <td>G3</td>\n",
       "      <td>11</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>4314</th>\n",
       "      <td>1004462</td>\n",
       "      <td>18400</td>\n",
       "      <td>1230902</td>\n",
       "      <td>60</td>\n",
       "      <td>23.13</td>\n",
       "      <td>520.08</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>75000.00</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Nov-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>FL</td>\n",
       "      <td>1</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>9707.88</td>\n",
       "      <td>40.12</td>\n",
       "      <td>G</td>\n",
       "      <td>G2</td>\n",
       "      <td>11</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>5820</th>\n",
       "      <td>977981</td>\n",
       "      <td>17625</td>\n",
       "      <td>1200792</td>\n",
       "      <td>60</td>\n",
       "      <td>23.91</td>\n",
       "      <td>506.12</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>400000.00</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Oct-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>TX</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>20896.16</td>\n",
       "      <td>506.12</td>\n",
       "      <td>G</td>\n",
       "      <td>G4</td>\n",
       "      <td>10</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>5964</th>\n",
       "      <td>976164</td>\n",
       "      <td>21250</td>\n",
       "      <td>1198310</td>\n",
       "      <td>60</td>\n",
       "      <td>24.11</td>\n",
       "      <td>612.68</td>\n",
       "      <td>RENT</td>\n",
       "      <td>80000.00</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Oct-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NY</td>\n",
       "      <td>0</td>\n",
       "      <td>30.480934</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>10258.65</td>\n",
       "      <td>150.78</td>\n",
       "      <td>G</td>\n",
       "      <td>G5</td>\n",
       "      <td>10</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>9854</th>\n",
       "      <td>842083</td>\n",
       "      <td>13650</td>\n",
       "      <td>1052700</td>\n",
       "      <td>60</td>\n",
       "      <td>23.59</td>\n",
       "      <td>389.45</td>\n",
       "      <td>RENT</td>\n",
       "      <td>40000.00</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Aug-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NJ</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>15463.37</td>\n",
       "      <td>389.45</td>\n",
       "      <td>G</td>\n",
       "      <td>G5</td>\n",
       "      <td>8</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>10661</th>\n",
       "      <td>829308</td>\n",
       "      <td>10000</td>\n",
       "      <td>1038407</td>\n",
       "      <td>60</td>\n",
       "      <td>23.22</td>\n",
       "      <td>283.18</td>\n",
       "      <td>RENT</td>\n",
       "      <td>33280.00</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Jul-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>VA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>10037.99</td>\n",
       "      <td>283.18</td>\n",
       "      <td>G</td>\n",
       "      <td>G4</td>\n",
       "      <td>7</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>13492</th>\n",
       "      <td>774690</td>\n",
       "      <td>12000</td>\n",
       "      <td>976878</td>\n",
       "      <td>60</td>\n",
       "      <td>24.40</td>\n",
       "      <td>348.01</td>\n",
       "      <td>RENT</td>\n",
       "      <td>35775.63</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Jun-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NY</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>4777.71</td>\n",
       "      <td>696.02</td>\n",
       "      <td>G</td>\n",
       "      <td>G4</td>\n",
       "      <td>6</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "            id  loan_amnt  member_id  term  int_rate  installment  \\\n",
       "601    1058624      12375    1290219    60     23.13       349.79   \n",
       "2447   1036060      26300    1265925    60     23.13       743.38   \n",
       "2749    896003      30000    1116554    60     23.52       854.71   \n",
       "2801   1031468      14825    1261116    60     23.52       422.37   \n",
       "3094   1025574      30000    1254736    60     23.13       847.96   \n",
       "4214   1006364      23200    1232779    60     23.52       660.97   \n",
       "4314   1004462      18400    1230902    60     23.13       520.08   \n",
       "5820    977981      17625    1200792    60     23.91       506.12   \n",
       "5964    976164      21250    1198310    60     24.11       612.68   \n",
       "9854    842083      13650    1052700    60     23.59       389.45   \n",
       "10661   829308      10000    1038407    60     23.22       283.18   \n",
       "13492   774690      12000     976878    60     24.40       348.01   \n",
       "\n",
       "      home_ownership  annual_inc verification_status issue_d  loan_status  \\\n",
       "601             RENT    40000.00        Not Verified  Dec-11  Charged Off   \n",
       "2447        MORTGAGE    65000.00     Source Verified  Dec-11  Charged Off   \n",
       "2749            RENT   110000.00            Verified  Dec-11  Charged Off   \n",
       "2801            RENT    45600.00     Source Verified  Nov-11  Charged Off   \n",
       "3094            RENT   102500.00            Verified  Nov-11  Charged Off   \n",
       "4214        MORTGAGE    85000.00            Verified  Nov-11  Charged Off   \n",
       "4314        MORTGAGE    75000.00            Verified  Nov-11  Charged Off   \n",
       "5820        MORTGAGE   400000.00            Verified  Oct-11  Charged Off   \n",
       "5964            RENT    80000.00            Verified  Oct-11  Charged Off   \n",
       "9854            RENT    40000.00        Not Verified  Aug-11  Charged Off   \n",
       "10661           RENT    33280.00            Verified  Jul-11  Charged Off   \n",
       "13492           RENT    35775.63        Not Verified  Jun-11  Charged Off   \n",
       "\n",
       "      addr_state  delinq_2yrs  total_rec_late_fee application_type  \\\n",
       "601           FL            0            0.000000       INDIVIDUAL   \n",
       "2447          OH            0            0.000000       INDIVIDUAL   \n",
       "2749          DC            0           42.686994       INDIVIDUAL   \n",
       "2801          FL            0            0.000000       INDIVIDUAL   \n",
       "3094          CA            0            0.000000       INDIVIDUAL   \n",
       "4214          TX            0            0.000000       INDIVIDUAL   \n",
       "4314          FL            1            0.000000       INDIVIDUAL   \n",
       "5820          TX            0            0.000000       INDIVIDUAL   \n",
       "5964          NY            0           30.480934       INDIVIDUAL   \n",
       "9854          NJ            0            0.000000       INDIVIDUAL   \n",
       "10661         VA            0            0.000000       INDIVIDUAL   \n",
       "13492         NY            0            0.000000       INDIVIDUAL   \n",
       "\n",
       "       total_pymnt  last_pymnt_amnt grade sub_grade  issue_d_month  \n",
       "601        8530.26            52.05     G        G2             12  \n",
       "2447      16354.36           743.38     G        G2             12  \n",
       "2749       7625.93           876.00     G        G3             12  \n",
       "2801       2183.83           844.74     G        G3             11  \n",
       "3094       7810.50           100.00     G        G2             11  \n",
       "4214      31471.29           200.00     G        G3             11  \n",
       "4314       9707.88            40.12     G        G2             11  \n",
       "5820      20896.16           506.12     G        G4             10  \n",
       "5964      10258.65           150.78     G        G5             10  \n",
       "9854      15463.37           389.45     G        G5              8  \n",
       "10661     10037.99           283.18     G        G4              7  \n",
       "13492      4777.71           696.02     G        G4              6  "
      ]
     },
     "execution_count": 138,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1[loan1.int_rate > 23]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 139,
   "id": "fae5ba68",
   "metadata": {},
   "outputs": [],
   "source": [
    "loan1 = loan1[loan1.int_rate <= 23]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 140,
   "id": "a923d90e",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "plt.boxplot(loan1.total_pymnt)\n",
    "plt.title(\"Boxplot of Total Payment\")\n",
    "plt.ylabel(\"total_pymnt\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 141,
   "id": "c490b3c8",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>id</th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>member_id</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>verification_status</th>\n",
       "      <th>issue_d</th>\n",
       "      <th>loan_status</th>\n",
       "      <th>addr_state</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>application_type</th>\n",
       "      <th>total_pymnt</th>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "      <th>issue_d_month</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>2030</th>\n",
       "      <td>1041534</td>\n",
       "      <td>33000</td>\n",
       "      <td>1271765</td>\n",
       "      <td>36</td>\n",
       "      <td>18.64</td>\n",
       "      <td>1203.66</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>115000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>MD</td>\n",
       "      <td>1</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>36040.93</td>\n",
       "      <td>1203.66</td>\n",
       "      <td>E</td>\n",
       "      <td>E1</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>5643</th>\n",
       "      <td>981929</td>\n",
       "      <td>30000</td>\n",
       "      <td>1205316</td>\n",
       "      <td>60</td>\n",
       "      <td>22.06</td>\n",
       "      <td>829.60</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>160000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Oct-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>41.480000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>37610.61</td>\n",
       "      <td>829.60</td>\n",
       "      <td>F</td>\n",
       "      <td>F4</td>\n",
       "      <td>10</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>5863</th>\n",
       "      <td>978431</td>\n",
       "      <td>25000</td>\n",
       "      <td>1201269</td>\n",
       "      <td>60</td>\n",
       "      <td>21.67</td>\n",
       "      <td>685.80</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>66000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Oct-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>IL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>33876.24</td>\n",
       "      <td>685.80</td>\n",
       "      <td>F</td>\n",
       "      <td>F3</td>\n",
       "      <td>10</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>7632</th>\n",
       "      <td>878770</td>\n",
       "      <td>32000</td>\n",
       "      <td>1093592</td>\n",
       "      <td>36</td>\n",
       "      <td>15.23</td>\n",
       "      <td>1112.90</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>60000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Sep-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>VA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>37523.12</td>\n",
       "      <td>36.54</td>\n",
       "      <td>C</td>\n",
       "      <td>C5</td>\n",
       "      <td>9</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>9694</th>\n",
       "      <td>812337</td>\n",
       "      <td>32350</td>\n",
       "      <td>1019488</td>\n",
       "      <td>60</td>\n",
       "      <td>21.74</td>\n",
       "      <td>888.70</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>91000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Aug-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NJ</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>42134.53</td>\n",
       "      <td>888.70</td>\n",
       "      <td>F</td>\n",
       "      <td>F5</td>\n",
       "      <td>8</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>15185</th>\n",
       "      <td>753084</td>\n",
       "      <td>32000</td>\n",
       "      <td>952719</td>\n",
       "      <td>60</td>\n",
       "      <td>18.39</td>\n",
       "      <td>819.40</td>\n",
       "      <td>RENT</td>\n",
       "      <td>182004.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>May-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>33594.12</td>\n",
       "      <td>819.40</td>\n",
       "      <td>E</td>\n",
       "      <td>E2</td>\n",
       "      <td>5</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>15636</th>\n",
       "      <td>743946</td>\n",
       "      <td>30000</td>\n",
       "      <td>942334</td>\n",
       "      <td>60</td>\n",
       "      <td>16.89</td>\n",
       "      <td>696.08</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>99996.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>May-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>PA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>35389.04</td>\n",
       "      <td>696.08</td>\n",
       "      <td>D</td>\n",
       "      <td>D4</td>\n",
       "      <td>5</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>17877</th>\n",
       "      <td>708969</td>\n",
       "      <td>30000</td>\n",
       "      <td>901520</td>\n",
       "      <td>60</td>\n",
       "      <td>17.51</td>\n",
       "      <td>753.83</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>100000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Mar-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>GA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>34855.27</td>\n",
       "      <td>38.57</td>\n",
       "      <td>E</td>\n",
       "      <td>E4</td>\n",
       "      <td>3</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>18848</th>\n",
       "      <td>685965</td>\n",
       "      <td>25975</td>\n",
       "      <td>875698</td>\n",
       "      <td>60</td>\n",
       "      <td>15.28</td>\n",
       "      <td>621.77</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>40000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Mar-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>TX</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>33600.94</td>\n",
       "      <td>621.77</td>\n",
       "      <td>D</td>\n",
       "      <td>D3</td>\n",
       "      <td>3</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>26985</th>\n",
       "      <td>560150</td>\n",
       "      <td>25000</td>\n",
       "      <td>720996</td>\n",
       "      <td>60</td>\n",
       "      <td>13.61</td>\n",
       "      <td>576.67</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>124800.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Aug-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NY</td>\n",
       "      <td>0</td>\n",
       "      <td>28.796561</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>34765.35</td>\n",
       "      <td>865.02</td>\n",
       "      <td>C</td>\n",
       "      <td>C2</td>\n",
       "      <td>8</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "            id  loan_amnt  member_id  term  int_rate  installment  \\\n",
       "2030   1041534      33000    1271765    36     18.64      1203.66   \n",
       "5643    981929      30000    1205316    60     22.06       829.60   \n",
       "5863    978431      25000    1201269    60     21.67       685.80   \n",
       "7632    878770      32000    1093592    36     15.23      1112.90   \n",
       "9694    812337      32350    1019488    60     21.74       888.70   \n",
       "15185   753084      32000     952719    60     18.39       819.40   \n",
       "15636   743946      30000     942334    60     16.89       696.08   \n",
       "17877   708969      30000     901520    60     17.51       753.83   \n",
       "18848   685965      25975     875698    60     15.28       621.77   \n",
       "26985   560150      25000     720996    60     13.61       576.67   \n",
       "\n",
       "      home_ownership  annual_inc verification_status issue_d  loan_status  \\\n",
       "2030        MORTGAGE    115000.0     Source Verified  Dec-11  Charged Off   \n",
       "5643        MORTGAGE    160000.0            Verified  Oct-11  Charged Off   \n",
       "5863        MORTGAGE     66000.0     Source Verified  Oct-11  Charged Off   \n",
       "7632        MORTGAGE     60000.0            Verified  Sep-11  Charged Off   \n",
       "9694        MORTGAGE     91000.0            Verified  Aug-11  Charged Off   \n",
       "15185           RENT    182004.0     Source Verified  May-11  Charged Off   \n",
       "15636       MORTGAGE     99996.0            Verified  May-11  Charged Off   \n",
       "17877       MORTGAGE    100000.0            Verified  Mar-11  Charged Off   \n",
       "18848       MORTGAGE     40000.0            Verified  Mar-11  Charged Off   \n",
       "26985       MORTGAGE    124800.0            Verified  Aug-10  Charged Off   \n",
       "\n",
       "      addr_state  delinq_2yrs  total_rec_late_fee application_type  \\\n",
       "2030          MD            1            0.000000       INDIVIDUAL   \n",
       "5643          CA            0           41.480000       INDIVIDUAL   \n",
       "5863          IL            0            0.000000       INDIVIDUAL   \n",
       "7632          VA            0            0.000000       INDIVIDUAL   \n",
       "9694          NJ            0            0.000000       INDIVIDUAL   \n",
       "15185         CA            0            0.000000       INDIVIDUAL   \n",
       "15636         PA            0            0.000000       INDIVIDUAL   \n",
       "17877         GA            0            0.000000       INDIVIDUAL   \n",
       "18848         TX            0            0.000000       INDIVIDUAL   \n",
       "26985         NY            0           28.796561       INDIVIDUAL   \n",
       "\n",
       "       total_pymnt  last_pymnt_amnt grade sub_grade  issue_d_month  \n",
       "2030      36040.93          1203.66     E        E1             12  \n",
       "5643      37610.61           829.60     F        F4             10  \n",
       "5863      33876.24           685.80     F        F3             10  \n",
       "7632      37523.12            36.54     C        C5              9  \n",
       "9694      42134.53           888.70     F        F5              8  \n",
       "15185     33594.12           819.40     E        E2              5  \n",
       "15636     35389.04           696.08     D        D4              5  \n",
       "17877     34855.27            38.57     E        E4              3  \n",
       "18848     33600.94           621.77     D        D3              3  \n",
       "26985     34765.35           865.02     C        C2              8  "
      ]
     },
     "execution_count": 141,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1[loan1.total_pymnt > 33000]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 142,
   "id": "3782c1fd",
   "metadata": {},
   "outputs": [],
   "source": [
    "loan1 = loan1[loan1.total_pymnt <= 33000]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 143,
   "id": "d62292b8",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "(5448, 20)"
      ]
     },
     "execution_count": 143,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1.shape"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 144,
   "id": "49f7f566",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "plt.boxplot(loan1.last_pymnt_amnt)\n",
    "plt.title(\"Boxplot of Total Amount Paid Yet\")\n",
    "plt.ylabel(\"last_pymnt_amnt\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 145,
   "id": "a132f6ae",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>id</th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>member_id</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>verification_status</th>\n",
       "      <th>issue_d</th>\n",
       "      <th>loan_status</th>\n",
       "      <th>addr_state</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>application_type</th>\n",
       "      <th>total_pymnt</th>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "      <th>issue_d_month</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>255</th>\n",
       "      <td>1066232</td>\n",
       "      <td>10000</td>\n",
       "      <td>1300594</td>\n",
       "      <td>36</td>\n",
       "      <td>12.42</td>\n",
       "      <td>334.16</td>\n",
       "      <td>RENT</td>\n",
       "      <td>39000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>MO</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>11604.88</td>\n",
       "      <td>4378.02</td>\n",
       "      <td>B</td>\n",
       "      <td>B4</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>570</th>\n",
       "      <td>1062478</td>\n",
       "      <td>28000</td>\n",
       "      <td>1294543</td>\n",
       "      <td>60</td>\n",
       "      <td>12.42</td>\n",
       "      <td>418.27</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>84996.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>GA</td>\n",
       "      <td>0</td>\n",
       "      <td>20.890628</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>14647.04</td>\n",
       "      <td>10000.00</td>\n",
       "      <td>B</td>\n",
       "      <td>B4</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>8311</th>\n",
       "      <td>865523</td>\n",
       "      <td>21500</td>\n",
       "      <td>1078839</td>\n",
       "      <td>36</td>\n",
       "      <td>16.89</td>\n",
       "      <td>765.36</td>\n",
       "      <td>RENT</td>\n",
       "      <td>65000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Sep-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>74.685349</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>18691.79</td>\n",
       "      <td>4152.00</td>\n",
       "      <td>D</td>\n",
       "      <td>D4</td>\n",
       "      <td>9</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>9782</th>\n",
       "      <td>819977</td>\n",
       "      <td>25300</td>\n",
       "      <td>1028154</td>\n",
       "      <td>36</td>\n",
       "      <td>10.99</td>\n",
       "      <td>828.17</td>\n",
       "      <td>RENT</td>\n",
       "      <td>95000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Aug-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NY</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>25242.42</td>\n",
       "      <td>3711.12</td>\n",
       "      <td>B</td>\n",
       "      <td>B3</td>\n",
       "      <td>8</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>9963</th>\n",
       "      <td>840354</td>\n",
       "      <td>8450</td>\n",
       "      <td>1050722</td>\n",
       "      <td>60</td>\n",
       "      <td>11.49</td>\n",
       "      <td>185.80</td>\n",
       "      <td>RENT</td>\n",
       "      <td>42000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Aug-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NC</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>7608.77</td>\n",
       "      <td>6309.65</td>\n",
       "      <td>B</td>\n",
       "      <td>B4</td>\n",
       "      <td>8</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>10572</th>\n",
       "      <td>829797</td>\n",
       "      <td>21600</td>\n",
       "      <td>1038921</td>\n",
       "      <td>60</td>\n",
       "      <td>14.79</td>\n",
       "      <td>511.49</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>32160.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Aug-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NC</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>18858.89</td>\n",
       "      <td>11328.71</td>\n",
       "      <td>C</td>\n",
       "      <td>C4</td>\n",
       "      <td>8</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>12737</th>\n",
       "      <td>788280</td>\n",
       "      <td>12225</td>\n",
       "      <td>991953</td>\n",
       "      <td>60</td>\n",
       "      <td>17.49</td>\n",
       "      <td>307.06</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>105000.0</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Jun-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>FL</td>\n",
       "      <td>0</td>\n",
       "      <td>15.347575</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>6931.98</td>\n",
       "      <td>5000.00</td>\n",
       "      <td>D</td>\n",
       "      <td>D5</td>\n",
       "      <td>6</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>12951</th>\n",
       "      <td>789015</td>\n",
       "      <td>8000</td>\n",
       "      <td>992835</td>\n",
       "      <td>36</td>\n",
       "      <td>7.49</td>\n",
       "      <td>248.82</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>87000.0</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Jun-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>5308.78</td>\n",
       "      <td>3584.00</td>\n",
       "      <td>A</td>\n",
       "      <td>A4</td>\n",
       "      <td>6</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>15480</th>\n",
       "      <td>726234</td>\n",
       "      <td>17000</td>\n",
       "      <td>921576</td>\n",
       "      <td>60</td>\n",
       "      <td>11.99</td>\n",
       "      <td>378.07</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>58000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>May-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>9311.51</td>\n",
       "      <td>8184.05</td>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "      <td>5</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>17823</th>\n",
       "      <td>708214</td>\n",
       "      <td>16000</td>\n",
       "      <td>900684</td>\n",
       "      <td>60</td>\n",
       "      <td>9.63</td>\n",
       "      <td>337.05</td>\n",
       "      <td>RENT</td>\n",
       "      <td>33924.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Mar-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>PA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>15951.85</td>\n",
       "      <td>3618.05</td>\n",
       "      <td>B</td>\n",
       "      <td>B1</td>\n",
       "      <td>3</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>19349</th>\n",
       "      <td>677087</td>\n",
       "      <td>7000</td>\n",
       "      <td>865140</td>\n",
       "      <td>60</td>\n",
       "      <td>16.77</td>\n",
       "      <td>173.11</td>\n",
       "      <td>RENT</td>\n",
       "      <td>70000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Feb-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>14.997480</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>5865.34</td>\n",
       "      <td>5005.84</td>\n",
       "      <td>E</td>\n",
       "      <td>E2</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>23228</th>\n",
       "      <td>616966</td>\n",
       "      <td>14600</td>\n",
       "      <td>791031</td>\n",
       "      <td>36</td>\n",
       "      <td>12.61</td>\n",
       "      <td>489.20</td>\n",
       "      <td>OWN</td>\n",
       "      <td>36000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Nov-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>IL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>17835.20</td>\n",
       "      <td>3500.00</td>\n",
       "      <td>C</td>\n",
       "      <td>C2</td>\n",
       "      <td>11</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>23304</th>\n",
       "      <td>611082</td>\n",
       "      <td>25000</td>\n",
       "      <td>783664</td>\n",
       "      <td>60</td>\n",
       "      <td>20.77</td>\n",
       "      <td>428.77</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>120000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Nov-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>VA</td>\n",
       "      <td>1</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>14482.94</td>\n",
       "      <td>8480.98</td>\n",
       "      <td>G</td>\n",
       "      <td>G4</td>\n",
       "      <td>11</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>23660</th>\n",
       "      <td>610101</td>\n",
       "      <td>20000</td>\n",
       "      <td>782481</td>\n",
       "      <td>60</td>\n",
       "      <td>19.29</td>\n",
       "      <td>522.01</td>\n",
       "      <td>RENT</td>\n",
       "      <td>72396.0</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Nov-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>HI</td>\n",
       "      <td>2</td>\n",
       "      <td>26.059269</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>24816.96</td>\n",
       "      <td>6000.00</td>\n",
       "      <td>F</td>\n",
       "      <td>F5</td>\n",
       "      <td>11</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>24246</th>\n",
       "      <td>602918</td>\n",
       "      <td>20000</td>\n",
       "      <td>773589</td>\n",
       "      <td>60</td>\n",
       "      <td>9.62</td>\n",
       "      <td>421.22</td>\n",
       "      <td>OWN</td>\n",
       "      <td>96000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Oct-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NY</td>\n",
       "      <td>1</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>14984.67</td>\n",
       "      <td>4841.69</td>\n",
       "      <td>B</td>\n",
       "      <td>B3</td>\n",
       "      <td>10</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>28862</th>\n",
       "      <td>531151</td>\n",
       "      <td>16000</td>\n",
       "      <td>686739</td>\n",
       "      <td>60</td>\n",
       "      <td>15.58</td>\n",
       "      <td>385.53</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>78000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Jun-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>MN</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>19634.58</td>\n",
       "      <td>10021.06</td>\n",
       "      <td>D</td>\n",
       "      <td>D3</td>\n",
       "      <td>6</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>30441</th>\n",
       "      <td>506881</td>\n",
       "      <td>25000</td>\n",
       "      <td>653616</td>\n",
       "      <td>36</td>\n",
       "      <td>10.99</td>\n",
       "      <td>818.38</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>132000.0</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>May-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>MI</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>20404.77</td>\n",
       "      <td>12818.38</td>\n",
       "      <td>B</td>\n",
       "      <td>B4</td>\n",
       "      <td>5</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>32790</th>\n",
       "      <td>477494</td>\n",
       "      <td>15000</td>\n",
       "      <td>605699</td>\n",
       "      <td>36</td>\n",
       "      <td>12.18</td>\n",
       "      <td>499.50</td>\n",
       "      <td>OWN</td>\n",
       "      <td>70000.0</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Feb-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NJ</td>\n",
       "      <td>0</td>\n",
       "      <td>24.976774</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>14383.43</td>\n",
       "      <td>12390.99</td>\n",
       "      <td>B</td>\n",
       "      <td>B4</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>35765</th>\n",
       "      <td>430330</td>\n",
       "      <td>7750</td>\n",
       "      <td>510315</td>\n",
       "      <td>36</td>\n",
       "      <td>19.79</td>\n",
       "      <td>287.20</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>53000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Aug-09</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>FL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>8843.42</td>\n",
       "      <td>3300.00</td>\n",
       "      <td>G</td>\n",
       "      <td>G4</td>\n",
       "      <td>8</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>38965</th>\n",
       "      <td>289873</td>\n",
       "      <td>16400</td>\n",
       "      <td>289870</td>\n",
       "      <td>36</td>\n",
       "      <td>11.03</td>\n",
       "      <td>537.15</td>\n",
       "      <td>RENT</td>\n",
       "      <td>49920.0</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Mar-08</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>17605.28</td>\n",
       "      <td>5809.23</td>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "      <td>3</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "            id  loan_amnt  member_id  term  int_rate  installment  \\\n",
       "255    1066232      10000    1300594    36     12.42       334.16   \n",
       "570    1062478      28000    1294543    60     12.42       418.27   \n",
       "8311    865523      21500    1078839    36     16.89       765.36   \n",
       "9782    819977      25300    1028154    36     10.99       828.17   \n",
       "9963    840354       8450    1050722    60     11.49       185.80   \n",
       "10572   829797      21600    1038921    60     14.79       511.49   \n",
       "12737   788280      12225     991953    60     17.49       307.06   \n",
       "12951   789015       8000     992835    36      7.49       248.82   \n",
       "15480   726234      17000     921576    60     11.99       378.07   \n",
       "17823   708214      16000     900684    60      9.63       337.05   \n",
       "19349   677087       7000     865140    60     16.77       173.11   \n",
       "23228   616966      14600     791031    36     12.61       489.20   \n",
       "23304   611082      25000     783664    60     20.77       428.77   \n",
       "23660   610101      20000     782481    60     19.29       522.01   \n",
       "24246   602918      20000     773589    60      9.62       421.22   \n",
       "28862   531151      16000     686739    60     15.58       385.53   \n",
       "30441   506881      25000     653616    36     10.99       818.38   \n",
       "32790   477494      15000     605699    36     12.18       499.50   \n",
       "35765   430330       7750     510315    36     19.79       287.20   \n",
       "38965   289873      16400     289870    36     11.03       537.15   \n",
       "\n",
       "      home_ownership  annual_inc verification_status issue_d  loan_status  \\\n",
       "255             RENT     39000.0     Source Verified  Dec-11  Charged Off   \n",
       "570         MORTGAGE     84996.0            Verified  Dec-11  Charged Off   \n",
       "8311            RENT     65000.0            Verified  Sep-11  Charged Off   \n",
       "9782            RENT     95000.0            Verified  Aug-11  Charged Off   \n",
       "9963            RENT     42000.0     Source Verified  Aug-11  Charged Off   \n",
       "10572       MORTGAGE     32160.0            Verified  Aug-11  Charged Off   \n",
       "12737       MORTGAGE    105000.0        Not Verified  Jun-11  Charged Off   \n",
       "12951       MORTGAGE     87000.0        Not Verified  Jun-11  Charged Off   \n",
       "15480       MORTGAGE     58000.0            Verified  May-11  Charged Off   \n",
       "17823           RENT     33924.0            Verified  Mar-11  Charged Off   \n",
       "19349           RENT     70000.0     Source Verified  Feb-11  Charged Off   \n",
       "23228            OWN     36000.0     Source Verified  Nov-10  Charged Off   \n",
       "23304       MORTGAGE    120000.0            Verified  Nov-10  Charged Off   \n",
       "23660           RENT     72396.0        Not Verified  Nov-10  Charged Off   \n",
       "24246            OWN     96000.0     Source Verified  Oct-10  Charged Off   \n",
       "28862       MORTGAGE     78000.0            Verified  Jun-10  Charged Off   \n",
       "30441       MORTGAGE    132000.0        Not Verified  May-10  Charged Off   \n",
       "32790            OWN     70000.0        Not Verified  Feb-10  Charged Off   \n",
       "35765       MORTGAGE     53000.0            Verified  Aug-09  Charged Off   \n",
       "38965           RENT     49920.0        Not Verified  Mar-08  Charged Off   \n",
       "\n",
       "      addr_state  delinq_2yrs  total_rec_late_fee application_type  \\\n",
       "255           MO            0            0.000000       INDIVIDUAL   \n",
       "570           GA            0           20.890628       INDIVIDUAL   \n",
       "8311          CA            0           74.685349       INDIVIDUAL   \n",
       "9782          NY            0            0.000000       INDIVIDUAL   \n",
       "9963          NC            0            0.000000       INDIVIDUAL   \n",
       "10572         NC            0            0.000000       INDIVIDUAL   \n",
       "12737         FL            0           15.347575       INDIVIDUAL   \n",
       "12951         CA            0            0.000000       INDIVIDUAL   \n",
       "15480         CA            0            0.000000       INDIVIDUAL   \n",
       "17823         PA            0            0.000000       INDIVIDUAL   \n",
       "19349         CA            0           14.997480       INDIVIDUAL   \n",
       "23228         IL            0            0.000000       INDIVIDUAL   \n",
       "23304         VA            1            0.000000       INDIVIDUAL   \n",
       "23660         HI            2           26.059269       INDIVIDUAL   \n",
       "24246         NY            1            0.000000       INDIVIDUAL   \n",
       "28862         MN            0            0.000000       INDIVIDUAL   \n",
       "30441         MI            0            0.000000       INDIVIDUAL   \n",
       "32790         NJ            0           24.976774       INDIVIDUAL   \n",
       "35765         FL            0            0.000000       INDIVIDUAL   \n",
       "38965         CA            0            0.000000       INDIVIDUAL   \n",
       "\n",
       "       total_pymnt  last_pymnt_amnt grade sub_grade  issue_d_month  \n",
       "255       11604.88          4378.02     B        B4             12  \n",
       "570       14647.04         10000.00     B        B4             12  \n",
       "8311      18691.79          4152.00     D        D4              9  \n",
       "9782      25242.42          3711.12     B        B3              8  \n",
       "9963       7608.77          6309.65     B        B4              8  \n",
       "10572     18858.89         11328.71     C        C4              8  \n",
       "12737      6931.98          5000.00     D        D5              6  \n",
       "12951      5308.78          3584.00     A        A4              6  \n",
       "15480      9311.51          8184.05     B        B5              5  \n",
       "17823     15951.85          3618.05     B        B1              3  \n",
       "19349      5865.34          5005.84     E        E2              2  \n",
       "23228     17835.20          3500.00     C        C2             11  \n",
       "23304     14482.94          8480.98     G        G4             11  \n",
       "23660     24816.96          6000.00     F        F5             11  \n",
       "24246     14984.67          4841.69     B        B3             10  \n",
       "28862     19634.58         10021.06     D        D3              6  \n",
       "30441     20404.77         12818.38     B        B4              5  \n",
       "32790     14383.43         12390.99     B        B4              2  \n",
       "35765      8843.42          3300.00     G        G4              8  \n",
       "38965     17605.28          5809.23     C        C1              3  "
      ]
     },
     "execution_count": 145,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1[loan1.last_pymnt_amnt > 3000]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 146,
   "id": "16693cd1",
   "metadata": {},
   "outputs": [],
   "source": [
    "loan1 = loan1[loan1.last_pymnt_amnt <= 3000]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 147,
   "id": "a9c6e924",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "(5428, 20)"
      ]
     },
     "execution_count": 147,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1.shape"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 148,
   "id": "f75c3ef9",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "plt.boxplot(loan1.installment)\n",
    "plt.title(\"Boxplot of Installemts\")\n",
    "plt.ylabel(\"installments\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 149,
   "id": "76f04f99",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>id</th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>member_id</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>verification_status</th>\n",
       "      <th>issue_d</th>\n",
       "      <th>loan_status</th>\n",
       "      <th>addr_state</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>application_type</th>\n",
       "      <th>total_pymnt</th>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "      <th>issue_d_month</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>2373</th>\n",
       "      <td>1037026</td>\n",
       "      <td>28000</td>\n",
       "      <td>1266711</td>\n",
       "      <td>36</td>\n",
       "      <td>16.77</td>\n",
       "      <td>995.08</td>\n",
       "      <td>OWN</td>\n",
       "      <td>76000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Nov-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>OH</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>32751.27</td>\n",
       "      <td>400.00</td>\n",
       "      <td>D</td>\n",
       "      <td>D2</td>\n",
       "      <td>11</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>3309</th>\n",
       "      <td>1020845</td>\n",
       "      <td>30750</td>\n",
       "      <td>1249631</td>\n",
       "      <td>36</td>\n",
       "      <td>18.25</td>\n",
       "      <td>1115.55</td>\n",
       "      <td>RENT</td>\n",
       "      <td>80000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Nov-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>8716.70</td>\n",
       "      <td>1115.55</td>\n",
       "      <td>D</td>\n",
       "      <td>D5</td>\n",
       "      <td>11</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>4033</th>\n",
       "      <td>994506</td>\n",
       "      <td>30000</td>\n",
       "      <td>1219134</td>\n",
       "      <td>36</td>\n",
       "      <td>7.51</td>\n",
       "      <td>933.33</td>\n",
       "      <td>OWN</td>\n",
       "      <td>125000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Nov-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NY</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>5574.67</td>\n",
       "      <td>933.33</td>\n",
       "      <td>A</td>\n",
       "      <td>A3</td>\n",
       "      <td>11</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>4389</th>\n",
       "      <td>1003549</td>\n",
       "      <td>30000</td>\n",
       "      <td>1230136</td>\n",
       "      <td>36</td>\n",
       "      <td>10.65</td>\n",
       "      <td>977.20</td>\n",
       "      <td>RENT</td>\n",
       "      <td>97000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Oct-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>MI</td>\n",
       "      <td>0</td>\n",
       "      <td>14.997547</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>14800.55</td>\n",
       "      <td>1957.08</td>\n",
       "      <td>B</td>\n",
       "      <td>B2</td>\n",
       "      <td>10</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>4549</th>\n",
       "      <td>1000967</td>\n",
       "      <td>30000</td>\n",
       "      <td>1226719</td>\n",
       "      <td>36</td>\n",
       "      <td>17.27</td>\n",
       "      <td>1073.62</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>75000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Oct-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>TX</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>16102.20</td>\n",
       "      <td>1073.62</td>\n",
       "      <td>D</td>\n",
       "      <td>D3</td>\n",
       "      <td>10</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>6176</th>\n",
       "      <td>971860</td>\n",
       "      <td>30000</td>\n",
       "      <td>1193617</td>\n",
       "      <td>36</td>\n",
       "      <td>6.62</td>\n",
       "      <td>921.11</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>61500.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Oct-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>FL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>19230.57</td>\n",
       "      <td>26.60</td>\n",
       "      <td>A</td>\n",
       "      <td>A2</td>\n",
       "      <td>10</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>6963</th>\n",
       "      <td>889797</td>\n",
       "      <td>30000</td>\n",
       "      <td>1106361</td>\n",
       "      <td>36</td>\n",
       "      <td>12.69</td>\n",
       "      <td>1006.35</td>\n",
       "      <td>RENT</td>\n",
       "      <td>84000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Sep-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NY</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>30240.82</td>\n",
       "      <td>133.49</td>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "      <td>9</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>7080</th>\n",
       "      <td>886292</td>\n",
       "      <td>25500</td>\n",
       "      <td>1102106</td>\n",
       "      <td>36</td>\n",
       "      <td>17.27</td>\n",
       "      <td>912.58</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>75000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Oct-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>WA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>12884.24</td>\n",
       "      <td>912.58</td>\n",
       "      <td>D</td>\n",
       "      <td>D3</td>\n",
       "      <td>10</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>8551</th>\n",
       "      <td>864057</td>\n",
       "      <td>28000</td>\n",
       "      <td>1077267</td>\n",
       "      <td>36</td>\n",
       "      <td>12.99</td>\n",
       "      <td>943.30</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>160000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Sep-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>TX</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>20751.38</td>\n",
       "      <td>943.30</td>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "      <td>9</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>8699</th>\n",
       "      <td>862084</td>\n",
       "      <td>26400</td>\n",
       "      <td>1075011</td>\n",
       "      <td>36</td>\n",
       "      <td>16.49</td>\n",
       "      <td>934.55</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>68000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Aug-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>FL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>14612.11</td>\n",
       "      <td>64.98</td>\n",
       "      <td>D</td>\n",
       "      <td>D3</td>\n",
       "      <td>8</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>11727</th>\n",
       "      <td>809149</td>\n",
       "      <td>28000</td>\n",
       "      <td>1015938</td>\n",
       "      <td>36</td>\n",
       "      <td>11.99</td>\n",
       "      <td>929.87</td>\n",
       "      <td>RENT</td>\n",
       "      <td>120000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Jul-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>22942.54</td>\n",
       "      <td>929.87</td>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "      <td>7</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>11898</th>\n",
       "      <td>806771</td>\n",
       "      <td>30000</td>\n",
       "      <td>1013140</td>\n",
       "      <td>36</td>\n",
       "      <td>16.49</td>\n",
       "      <td>1061.99</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>120000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Jul-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>TX</td>\n",
       "      <td>1</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>20176.39</td>\n",
       "      <td>29.64</td>\n",
       "      <td>D</td>\n",
       "      <td>D3</td>\n",
       "      <td>7</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>12186</th>\n",
       "      <td>801934</td>\n",
       "      <td>29100</td>\n",
       "      <td>1007553</td>\n",
       "      <td>36</td>\n",
       "      <td>12.99</td>\n",
       "      <td>980.36</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>52000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Jul-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>FL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>14821.09</td>\n",
       "      <td>980.36</td>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "      <td>7</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>13710</th>\n",
       "      <td>777541</td>\n",
       "      <td>30000</td>\n",
       "      <td>980049</td>\n",
       "      <td>36</td>\n",
       "      <td>18.39</td>\n",
       "      <td>1090.46</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>116000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Jun-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>29609.57</td>\n",
       "      <td>81.23</td>\n",
       "      <td>E</td>\n",
       "      <td>E2</td>\n",
       "      <td>6</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>14708</th>\n",
       "      <td>761798</td>\n",
       "      <td>30000</td>\n",
       "      <td>962276</td>\n",
       "      <td>36</td>\n",
       "      <td>15.62</td>\n",
       "      <td>1049.10</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>125000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Jun-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>50.332465</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>32348.50</td>\n",
       "      <td>2106.85</td>\n",
       "      <td>D</td>\n",
       "      <td>D1</td>\n",
       "      <td>6</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>14965</th>\n",
       "      <td>755983</td>\n",
       "      <td>30000</td>\n",
       "      <td>955882</td>\n",
       "      <td>36</td>\n",
       "      <td>16.49</td>\n",
       "      <td>1061.99</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>72357.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>May-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>TX</td>\n",
       "      <td>2</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>17032.97</td>\n",
       "      <td>35.09</td>\n",
       "      <td>D</td>\n",
       "      <td>D3</td>\n",
       "      <td>5</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>23596</th>\n",
       "      <td>611270</td>\n",
       "      <td>25000</td>\n",
       "      <td>783892</td>\n",
       "      <td>36</td>\n",
       "      <td>17.80</td>\n",
       "      <td>901.31</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>80000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Nov-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>FL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>10755.71</td>\n",
       "      <td>901.31</td>\n",
       "      <td>F</td>\n",
       "      <td>F1</td>\n",
       "      <td>11</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>25488</th>\n",
       "      <td>584264</td>\n",
       "      <td>25000</td>\n",
       "      <td>750735</td>\n",
       "      <td>36</td>\n",
       "      <td>21.64</td>\n",
       "      <td>950.12</td>\n",
       "      <td>RENT</td>\n",
       "      <td>203000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Sep-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>MA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>14687.91</td>\n",
       "      <td>950.12</td>\n",
       "      <td>G</td>\n",
       "      <td>G5</td>\n",
       "      <td>9</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>27446</th>\n",
       "      <td>553306</td>\n",
       "      <td>25000</td>\n",
       "      <td>712920</td>\n",
       "      <td>36</td>\n",
       "      <td>19.04</td>\n",
       "      <td>916.91</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>61365.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Jul-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>TX</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>8825.53</td>\n",
       "      <td>525.00</td>\n",
       "      <td>F</td>\n",
       "      <td>F3</td>\n",
       "      <td>7</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>30019</th>\n",
       "      <td>515070</td>\n",
       "      <td>25000</td>\n",
       "      <td>665822</td>\n",
       "      <td>36</td>\n",
       "      <td>19.41</td>\n",
       "      <td>921.60</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>75000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>May-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>12900.23</td>\n",
       "      <td>929.79</td>\n",
       "      <td>F</td>\n",
       "      <td>F4</td>\n",
       "      <td>5</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>30785</th>\n",
       "      <td>500302</td>\n",
       "      <td>25000</td>\n",
       "      <td>642500</td>\n",
       "      <td>36</td>\n",
       "      <td>19.79</td>\n",
       "      <td>926.37</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>123000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Apr-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>MI</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>27069.89</td>\n",
       "      <td>42.20</td>\n",
       "      <td>F</td>\n",
       "      <td>F5</td>\n",
       "      <td>4</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>31843</th>\n",
       "      <td>490180</td>\n",
       "      <td>25000</td>\n",
       "      <td>625782</td>\n",
       "      <td>36</td>\n",
       "      <td>20.16</td>\n",
       "      <td>931.09</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>60000.0</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Mar-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>TX</td>\n",
       "      <td>0</td>\n",
       "      <td>61.456737</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>18924.18</td>\n",
       "      <td>801.27</td>\n",
       "      <td>G</td>\n",
       "      <td>G1</td>\n",
       "      <td>3</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>32316</th>\n",
       "      <td>483973</td>\n",
       "      <td>25000</td>\n",
       "      <td>615993</td>\n",
       "      <td>36</td>\n",
       "      <td>18.30</td>\n",
       "      <td>907.60</td>\n",
       "      <td>RENT</td>\n",
       "      <td>235000.0</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Feb-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>NY</td>\n",
       "      <td>1</td>\n",
       "      <td>45.371707</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>14112.72</td>\n",
       "      <td>2000.12</td>\n",
       "      <td>F</td>\n",
       "      <td>F1</td>\n",
       "      <td>2</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>32842</th>\n",
       "      <td>476988</td>\n",
       "      <td>25000</td>\n",
       "      <td>604531</td>\n",
       "      <td>36</td>\n",
       "      <td>18.09</td>\n",
       "      <td>904.88</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>100000.0</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Jan-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>AZ</td>\n",
       "      <td>0</td>\n",
       "      <td>45.114720</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>23110.95</td>\n",
       "      <td>120.05</td>\n",
       "      <td>F</td>\n",
       "      <td>F1</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>32950</th>\n",
       "      <td>475731</td>\n",
       "      <td>25000</td>\n",
       "      <td>602343</td>\n",
       "      <td>36</td>\n",
       "      <td>18.43</td>\n",
       "      <td>909.25</td>\n",
       "      <td>RENT</td>\n",
       "      <td>54000.0</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Jan-10</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CO</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>18320.25</td>\n",
       "      <td>275.00</td>\n",
       "      <td>F</td>\n",
       "      <td>F2</td>\n",
       "      <td>1</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>34319</th>\n",
       "      <td>453516</td>\n",
       "      <td>25000</td>\n",
       "      <td>560743</td>\n",
       "      <td>36</td>\n",
       "      <td>19.13</td>\n",
       "      <td>918.02</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>148000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Nov-09</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>AZ</td>\n",
       "      <td>1</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>18261.14</td>\n",
       "      <td>918.02</td>\n",
       "      <td>F</td>\n",
       "      <td>F4</td>\n",
       "      <td>11</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>34793</th>\n",
       "      <td>440545</td>\n",
       "      <td>25000</td>\n",
       "      <td>533658</td>\n",
       "      <td>36</td>\n",
       "      <td>18.09</td>\n",
       "      <td>904.88</td>\n",
       "      <td>MORTGAGE</td>\n",
       "      <td>70000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Oct-09</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>PA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>14477.45</td>\n",
       "      <td>904.88</td>\n",
       "      <td>F</td>\n",
       "      <td>F1</td>\n",
       "      <td>10</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>36091</th>\n",
       "      <td>422412</td>\n",
       "      <td>25000</td>\n",
       "      <td>496900</td>\n",
       "      <td>36</td>\n",
       "      <td>17.90</td>\n",
       "      <td>902.50</td>\n",
       "      <td>OTHER</td>\n",
       "      <td>85000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Jul-09</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.000000</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>18049.62</td>\n",
       "      <td>902.50</td>\n",
       "      <td>F</td>\n",
       "      <td>F3</td>\n",
       "      <td>7</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "            id  loan_amnt  member_id  term  int_rate  installment  \\\n",
       "2373   1037026      28000    1266711    36     16.77       995.08   \n",
       "3309   1020845      30750    1249631    36     18.25      1115.55   \n",
       "4033    994506      30000    1219134    36      7.51       933.33   \n",
       "4389   1003549      30000    1230136    36     10.65       977.20   \n",
       "4549   1000967      30000    1226719    36     17.27      1073.62   \n",
       "6176    971860      30000    1193617    36      6.62       921.11   \n",
       "6963    889797      30000    1106361    36     12.69      1006.35   \n",
       "7080    886292      25500    1102106    36     17.27       912.58   \n",
       "8551    864057      28000    1077267    36     12.99       943.30   \n",
       "8699    862084      26400    1075011    36     16.49       934.55   \n",
       "11727   809149      28000    1015938    36     11.99       929.87   \n",
       "11898   806771      30000    1013140    36     16.49      1061.99   \n",
       "12186   801934      29100    1007553    36     12.99       980.36   \n",
       "13710   777541      30000     980049    36     18.39      1090.46   \n",
       "14708   761798      30000     962276    36     15.62      1049.10   \n",
       "14965   755983      30000     955882    36     16.49      1061.99   \n",
       "23596   611270      25000     783892    36     17.80       901.31   \n",
       "25488   584264      25000     750735    36     21.64       950.12   \n",
       "27446   553306      25000     712920    36     19.04       916.91   \n",
       "30019   515070      25000     665822    36     19.41       921.60   \n",
       "30785   500302      25000     642500    36     19.79       926.37   \n",
       "31843   490180      25000     625782    36     20.16       931.09   \n",
       "32316   483973      25000     615993    36     18.30       907.60   \n",
       "32842   476988      25000     604531    36     18.09       904.88   \n",
       "32950   475731      25000     602343    36     18.43       909.25   \n",
       "34319   453516      25000     560743    36     19.13       918.02   \n",
       "34793   440545      25000     533658    36     18.09       904.88   \n",
       "36091   422412      25000     496900    36     17.90       902.50   \n",
       "\n",
       "      home_ownership  annual_inc verification_status issue_d  loan_status  \\\n",
       "2373             OWN     76000.0            Verified  Nov-11  Charged Off   \n",
       "3309            RENT     80000.0            Verified  Nov-11  Charged Off   \n",
       "4033             OWN    125000.0            Verified  Nov-11  Charged Off   \n",
       "4389            RENT     97000.0            Verified  Oct-11  Charged Off   \n",
       "4549        MORTGAGE     75000.0            Verified  Oct-11  Charged Off   \n",
       "6176        MORTGAGE     61500.0            Verified  Oct-11  Charged Off   \n",
       "6963            RENT     84000.0            Verified  Sep-11  Charged Off   \n",
       "7080        MORTGAGE     75000.0     Source Verified  Oct-11  Charged Off   \n",
       "8551        MORTGAGE    160000.0     Source Verified  Sep-11  Charged Off   \n",
       "8699        MORTGAGE     68000.0            Verified  Aug-11  Charged Off   \n",
       "11727           RENT    120000.0     Source Verified  Jul-11  Charged Off   \n",
       "11898       MORTGAGE    120000.0            Verified  Jul-11  Charged Off   \n",
       "12186       MORTGAGE     52000.0            Verified  Jul-11  Charged Off   \n",
       "13710       MORTGAGE    116000.0            Verified  Jun-11  Charged Off   \n",
       "14708       MORTGAGE    125000.0            Verified  Jun-11  Charged Off   \n",
       "14965       MORTGAGE     72357.0            Verified  May-11  Charged Off   \n",
       "23596       MORTGAGE     80000.0            Verified  Nov-10  Charged Off   \n",
       "25488           RENT    203000.0            Verified  Sep-10  Charged Off   \n",
       "27446       MORTGAGE     61365.0     Source Verified  Jul-10  Charged Off   \n",
       "30019       MORTGAGE     75000.0            Verified  May-10  Charged Off   \n",
       "30785       MORTGAGE    123000.0            Verified  Apr-10  Charged Off   \n",
       "31843       MORTGAGE     60000.0        Not Verified  Mar-10  Charged Off   \n",
       "32316           RENT    235000.0        Not Verified  Feb-10  Charged Off   \n",
       "32842       MORTGAGE    100000.0        Not Verified  Jan-10  Charged Off   \n",
       "32950           RENT     54000.0        Not Verified  Jan-10  Charged Off   \n",
       "34319       MORTGAGE    148000.0            Verified  Nov-09  Charged Off   \n",
       "34793       MORTGAGE     70000.0            Verified  Oct-09  Charged Off   \n",
       "36091          OTHER     85000.0            Verified  Jul-09  Charged Off   \n",
       "\n",
       "      addr_state  delinq_2yrs  total_rec_late_fee application_type  \\\n",
       "2373          OH            0            0.000000       INDIVIDUAL   \n",
       "3309          CA            0            0.000000       INDIVIDUAL   \n",
       "4033          NY            0            0.000000       INDIVIDUAL   \n",
       "4389          MI            0           14.997547       INDIVIDUAL   \n",
       "4549          TX            0            0.000000       INDIVIDUAL   \n",
       "6176          FL            0            0.000000       INDIVIDUAL   \n",
       "6963          NY            0            0.000000       INDIVIDUAL   \n",
       "7080          WA            0            0.000000       INDIVIDUAL   \n",
       "8551          TX            0            0.000000       INDIVIDUAL   \n",
       "8699          FL            0            0.000000       INDIVIDUAL   \n",
       "11727         CA            0            0.000000       INDIVIDUAL   \n",
       "11898         TX            1            0.000000       INDIVIDUAL   \n",
       "12186         FL            0            0.000000       INDIVIDUAL   \n",
       "13710         CA            0            0.000000       INDIVIDUAL   \n",
       "14708         CA            0           50.332465       INDIVIDUAL   \n",
       "14965         TX            2            0.000000       INDIVIDUAL   \n",
       "23596         FL            0            0.000000       INDIVIDUAL   \n",
       "25488         MA            0            0.000000       INDIVIDUAL   \n",
       "27446         TX            0            0.000000       INDIVIDUAL   \n",
       "30019         CA            0            0.000000       INDIVIDUAL   \n",
       "30785         MI            0            0.000000       INDIVIDUAL   \n",
       "31843         TX            0           61.456737       INDIVIDUAL   \n",
       "32316         NY            1           45.371707       INDIVIDUAL   \n",
       "32842         AZ            0           45.114720       INDIVIDUAL   \n",
       "32950         CO            0            0.000000       INDIVIDUAL   \n",
       "34319         AZ            1            0.000000       INDIVIDUAL   \n",
       "34793         PA            0            0.000000       INDIVIDUAL   \n",
       "36091         CA            0            0.000000       INDIVIDUAL   \n",
       "\n",
       "       total_pymnt  last_pymnt_amnt grade sub_grade  issue_d_month  \n",
       "2373      32751.27           400.00     D        D2             11  \n",
       "3309       8716.70          1115.55     D        D5             11  \n",
       "4033       5574.67           933.33     A        A3             11  \n",
       "4389      14800.55          1957.08     B        B2             10  \n",
       "4549      16102.20          1073.62     D        D3             10  \n",
       "6176      19230.57            26.60     A        A2             10  \n",
       "6963      30240.82           133.49     B        B5              9  \n",
       "7080      12884.24           912.58     D        D3             10  \n",
       "8551      20751.38           943.30     C        C1              9  \n",
       "8699      14612.11            64.98     D        D3              8  \n",
       "11727     22942.54           929.87     B        B5              7  \n",
       "11898     20176.39            29.64     D        D3              7  \n",
       "12186     14821.09           980.36     C        C1              7  \n",
       "13710     29609.57            81.23     E        E2              6  \n",
       "14708     32348.50          2106.85     D        D1              6  \n",
       "14965     17032.97            35.09     D        D3              5  \n",
       "23596     10755.71           901.31     F        F1             11  \n",
       "25488     14687.91           950.12     G        G5              9  \n",
       "27446      8825.53           525.00     F        F3              7  \n",
       "30019     12900.23           929.79     F        F4              5  \n",
       "30785     27069.89            42.20     F        F5              4  \n",
       "31843     18924.18           801.27     G        G1              3  \n",
       "32316     14112.72          2000.12     F        F1              2  \n",
       "32842     23110.95           120.05     F        F1              1  \n",
       "32950     18320.25           275.00     F        F2              1  \n",
       "34319     18261.14           918.02     F        F4             11  \n",
       "34793     14477.45           904.88     F        F1             10  \n",
       "36091     18049.62           902.50     F        F3              7  "
      ]
     },
     "execution_count": 149,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1[loan1.installment > 900]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 150,
   "id": "a4f46a2f",
   "metadata": {},
   "outputs": [],
   "source": [
    "loan1 = loan1[loan1.installment <= 900]"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 151,
   "id": "c9430120",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>id</th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>member_id</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>verification_status</th>\n",
       "      <th>issue_d</th>\n",
       "      <th>loan_status</th>\n",
       "      <th>addr_state</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>application_type</th>\n",
       "      <th>total_pymnt</th>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "      <th>issue_d_month</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>1077430</td>\n",
       "      <td>2500</td>\n",
       "      <td>1314167</td>\n",
       "      <td>60</td>\n",
       "      <td>15.27</td>\n",
       "      <td>59.83</td>\n",
       "      <td>RENT</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>GA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>1008.71</td>\n",
       "      <td>119.66</td>\n",
       "      <td>C</td>\n",
       "      <td>C4</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>8</th>\n",
       "      <td>1071795</td>\n",
       "      <td>5600</td>\n",
       "      <td>1306957</td>\n",
       "      <td>60</td>\n",
       "      <td>21.28</td>\n",
       "      <td>152.39</td>\n",
       "      <td>OWN</td>\n",
       "      <td>40000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>646.02</td>\n",
       "      <td>152.39</td>\n",
       "      <td>F</td>\n",
       "      <td>F2</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>9</th>\n",
       "      <td>1071570</td>\n",
       "      <td>5375</td>\n",
       "      <td>1306721</td>\n",
       "      <td>60</td>\n",
       "      <td>12.69</td>\n",
       "      <td>121.45</td>\n",
       "      <td>RENT</td>\n",
       "      <td>15000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>TX</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>1476.19</td>\n",
       "      <td>121.45</td>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>12</th>\n",
       "      <td>1064687</td>\n",
       "      <td>9000</td>\n",
       "      <td>1298717</td>\n",
       "      <td>36</td>\n",
       "      <td>13.49</td>\n",
       "      <td>305.38</td>\n",
       "      <td>RENT</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>VA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>2270.70</td>\n",
       "      <td>305.38</td>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>14</th>\n",
       "      <td>1069057</td>\n",
       "      <td>10000</td>\n",
       "      <td>1303503</td>\n",
       "      <td>36</td>\n",
       "      <td>10.65</td>\n",
       "      <td>325.74</td>\n",
       "      <td>RENT</td>\n",
       "      <td>100000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>7471.99</td>\n",
       "      <td>325.74</td>\n",
       "      <td>B</td>\n",
       "      <td>B2</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "         id  loan_amnt  member_id  term  int_rate  installment home_ownership  \\\n",
       "1   1077430       2500    1314167    60     15.27        59.83           RENT   \n",
       "8   1071795       5600    1306957    60     21.28       152.39            OWN   \n",
       "9   1071570       5375    1306721    60     12.69       121.45           RENT   \n",
       "12  1064687       9000    1298717    36     13.49       305.38           RENT   \n",
       "14  1069057      10000    1303503    36     10.65       325.74           RENT   \n",
       "\n",
       "    annual_inc verification_status issue_d  loan_status addr_state  \\\n",
       "1      30000.0     Source Verified  Dec-11  Charged Off         GA   \n",
       "8      40000.0     Source Verified  Dec-11  Charged Off         CA   \n",
       "9      15000.0            Verified  Dec-11  Charged Off         TX   \n",
       "12     30000.0     Source Verified  Dec-11  Charged Off         VA   \n",
       "14    100000.0     Source Verified  Dec-11  Charged Off         CA   \n",
       "\n",
       "    delinq_2yrs  total_rec_late_fee application_type  total_pymnt  \\\n",
       "1             0                 0.0       INDIVIDUAL      1008.71   \n",
       "8             0                 0.0       INDIVIDUAL       646.02   \n",
       "9             0                 0.0       INDIVIDUAL      1476.19   \n",
       "12            0                 0.0       INDIVIDUAL      2270.70   \n",
       "14            0                 0.0       INDIVIDUAL      7471.99   \n",
       "\n",
       "    last_pymnt_amnt grade sub_grade  issue_d_month  \n",
       "1            119.66     C        C4             12  \n",
       "8            152.39     F        F2             12  \n",
       "9            121.45     B        B5             12  \n",
       "12           305.38     C        C1             12  \n",
       "14           325.74     B        B2             12  "
      ]
     },
     "execution_count": 151,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1.head()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 152,
   "id": "1c2517dc",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "(5400, 20)"
      ]
     },
     "execution_count": 152,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1.shape"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "9538191c",
   "metadata": {},
   "source": [
    "### Univariate Analysis"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 153,
   "id": "7e09574d",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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L8MYYE6EswRtjTISyBG+MMRHKErwxxkQoS/DGGBOhLMEbY0yEsgRvjDERyhK8McZEKEvwxhgToSzBG2NMhLIEb4wxEcoSvDHGRChL8MYYE6EswRtjTITy8qLbE0Vknc+tWkS+4lV9xhhjjufZBT9U9QNgJoCIRAOlwPNe1WeMMeZ4weqiOQvYpap7g1SfMcYMeMFK8NcCTwapLmOMMQQhwYtIHHAp8Ewny28XkVUisqq8vNzrcIwxZsAIRgv+AmCNqh7oaKGq3q+qBapakJ2dHYRwjDFmYAhGgv8E1j1jjDFB52mCF5Ek4BxgkZf1GGOM+SjPhkkCqGo9kOllHcYYYzpmZ7IaY0yEsgRvjDERyhK8McZEKEvwxhgToSzBG2NMhLIEb4wxEcoSvDHGRChPx8Eb71TVH6Oi9hhRUTAqI4mYKPuufmJFUbfrXDdvVBAiMSY8WILvZ6qPNvHSxjI2lx5B3ceS4qKZPzaLjxeMICbaEr0xxmEJvh8pr2nkr+8VUt/Ywqnjs5kwNJmGYy2s2nuYxVsP8IkHlvOn6+eQnRIf6lCNMWHAEnw/UdvYzINLd9OicNvCMeSmJ364bMrwNNYVH+bF9WVc/5flPHHbSWQlW5I3ZqCz3/P9QGur8uzqYuqPtfDJ+fnHJfc2M0cO5sFbCiiqrOemB1dS19gcgkiNMeHEEnw/8MTKIrYfqOWiGcMY3kFybzN/bBb33TCHbfur+erT62ht1U7XNcZEPkvwYe7I0SZ+/doHjM4axNz8jG7XP33iEL5/0RRe23KA37+5IwgRGmPClSX4MPd/b+6g6mgTF00fhoj4tc2nFuRzxaxcfvfGDt7ZYZdBNGagsgQfxg7WNPDwsr1cPXtEl10z7YkIP71iGuOHJPPlp9ZRduSoh1EaY8KV11d0SheRZ0Vkm4hsFZGTvawv0vz13T00t7RyxxnjerxtUlwM994wh8amFu54fA3Hmls9iNAYE868bsH/Dvi3qk4CTgC2elxfxKhuaOKxZXu5YPow8rMG9aqMsdnJ/OLqGawpquLuf20LcITGmHDnWYIXkVRgIfAggKoeU9Uqr+qLNE+vLKamsZnPnTa2T+VcPGM4t8zP56F3C3llY1mAojPG9AdetuDHAOXAX0VkrYj8RUR61xQdYFSVJ1YWUZA3mGm5aX0u73sXTmbmyHS+9ewGdpfXBiBCY0x/4GWCjwFmA/eq6iygDvhO+5VE5HYRWSUiq8rLbcQHwLJdhyisqOP6kwIzMVZcTBR/vH42sdHC560/3pgBw8sEXwKUqOoK9/9ncRL+cVT1flUtUNWC7OxsD8PpPx5fUUR6UiwXTBsWsDJz0xO559pZfHCghhfWl6JqJ0EZE+k8S/Cquh8oFpGJ7kNnAVu8qi9SHK47xmtb9nPlrBEkxEYHtOzTJmTzpTPHs6aoilV7Dwe0bGNM+PF6FM0XgcdFZAMwE/iZx/X1ey9tLKOpRblqTq4n5X/prPGMH5LMC+v3scv6442JaJ4meFVd53a/zFDVy1XVmo3deH5NCRNzUpgyLNWT8qOjhGtOHEnmoDgeW76XksP1ntRjjAk9O5M1jOw9VMeaoioun5Xr97QEvZEUF8MnF4wmMS6ah94tpLjSkrwxkcgSfBj557p9iMBlM4d7XldaYiy3nTqGpLgYHnq3kO0Hajyv0xgTXJbgw8i/N+1n9qjBPZp3pi8GJ8Vx26ljyBgUxyPL9vDuzgobXWNMBLEEHyaKK+vZUlbNeVNzglpvWmIst586hok5Kby8sYzHlu+luqEpqDEYY7xhCT5MvLp5PwDnTR0a9LrjY6O54aQ8Lpw+jB0Ha/nt69t5cGkhDU0tQY/FGBM4luDDxKub9zNpaAp5maGZzUFEOGVcFl86azwjM5L48UtbOON/3+b3b+xg/5GGkMRkjOkbu+h2GCivaWTV3sN86czxoQ6FrOR4PrVgNHmZSfzp7Z385vXt3LN4O2dOGsJlM3M5a/IQkuIC+7Z5YkVRt+tcNy8w0zYYM5BYgg8Di7ceQBXOnxb87pnOLBiXxYJxWew9VMdT7xfz3OoSFm89SGJsNGdPyeG6uaNQVU+Hcxpj+sYSfBh4dfN+RmUkMWloSqhD+Yi8zEF8+/xJfOPciawsrOTFDft4ZWMZL67fx/D0BC6YNoyx2cmhDtMY0wHrgw+x6oYm3t1ZwXlTc8K6NRwdJZw8NpOfXTGd5d89i7uvnE59YwsPLi3kuTUlNkOlMWHIWvAh9ta2gzS1aFh1z3QnITaaa+eOorG5lbe2HeQ/28spOVzPJxeMJjUhNtThGWNcluA91t0BxKfeLyIrOY5ZIwcHKaLAiY2O4typQxmdPYjHVxRx/5LdfPqU0aQnxYU6NGMM1kUTUq2q7DxYy6njs4mKCt/ume6MH5LCrQtGU3+smYeX7bHx88aECUvwIVRW1UD9sRYWTsgKdSh9NjIjievm5lFe08hT7xfRalMeGBNy1kUTQjsOOhN8nTo+MFey8mc8uZfGDUnm4hnDeWH9PpbuqGDhBLtClzGhZC34ENp+oJbhaQlkJceHOpSAmTc6g6nDU3l9ywFKq46GOhxjBjRL8CHS0NRCUWUd43PCb+x7X4gIV8zKJSk+mkVrSmhuseGTxoSKpwleRPaIyEYRWSciq7ysq7/ZXV5Hq8L4IZF3klBSXAyXzBhO2ZEGHnq3MNThGDNgBaMFf4aqzlTVgiDU1W/sOFhDXEwUozKTQh2KJ6YOT2Xy0BR+8/p2yo5YV40xoWBdNCGy42AtY7IGERMVmS+BiHDRjOG0tsL/vro91OEYMyB5nV0UeE1EVovI7R2tICK3i8gqEVlVXl7ucTjh4VBtI5V1xyKye8ZXxqA4Prkgn0VrS9hUeiTU4Rgz4Hid4Beo6mzgAuAOEVnYfgVVvV9VC1S1IDt7YAyr236wFiDiDrB25PNnjCM9MZafvbLVLgdoTJD5leBF5DkRuUhEevSFoKr73L8HgeeBuT0PMfLsOljL4KRYMgdF/in9aYmxfPms8by36xBvbjsY6nCMGVD8Tdj3AtcBO0TkbhGZ1N0GIjJIRFLa7gPnApt6HWmEaFVlz6E6Rmclh/XskYF0/Ul5jMkaxM9e2WrDJo0JIr/OZFXVxcBiEUkDPgG8LiLFwAPAY6ra0VWac4Dn3SQWAzyhqv8OTNj918GaRuqPtTA667+X5gv1Gahei42O4tsXTOIzj67muTUlXHOiXZ3JmGDwe6oCEckEbgBuBNYCjwOnADcDp7dfX1V3AycEJMoIUlhRB3Bcgh8Izp2Sw6xR6dyzeAeXzcwlITY61CEZE/H87YNfBLwDJAGXqOqlqvq0qn4RiOyhIAFWWFFHWmIsg5MG1rzpIsK3zptE2ZEGHlu+N9ThGDMg+NsH/xdVnaKqP1fVMgARiQewE5j8p6oUVtQxOmvQgOl/93Xy2ExOHZ/FH9/aSU1DR716xphA8jfB/6SDx5YFMpCBoLy2kbrGZkZnDqzuGV/fOm8Sh+ubeOAdm8LAGK912QcvIkOBXCBRRGYBbc3OVJzuGtMDeyrqgYHX/+5r+og0Lpo+jL+8s5ubTs6LqJk0jQk33bXgzwP+FxgB/Ab4tXv7GvA9b0OLPIUVtaTEx5CZHPnj37vytXMn0Njcyh/f2hnqUIyJaF224FX1YeBhEblKVZ8LUkwRqa3/PX+A9r/7GpudzMfmjODx5UXcesroUIdjTMTqrovmBlV9DMgXka+1X66qv/EssghTWXeM6obmAd094+vLZ49n0dpS7lm8g9mj+t8Fx43pD7obB9+WjWwoZB8N1PHvnRmWlsjNJ+fx4NJCctMTyUlNCHVIIePPiW7XzbOTw0zPdddF82f374+CE07k2nOojqS4aIak2EHFNp87fRxPrizm9S0HuOGkvFCHY0zE8fdEp1+KSKqIxIrIGyJSISI3eB1cJCmqrCcv0/rffWUMiuP2hWPYUlZNcWV9qMMxJuL4Ow7+XFWtBi4GSoAJwDc9iyrC1Dc2U1F7jFGDE0MdStj51CmjGRQXzaub99t0wsYEmL8Jvu28+guBJ1W10qN4IlLxYad1OjLDTh1oLzk+hjMmDWF3RR07y2tDHY4xEcXfBP+iiGwDCoA3RCQbaPAurMhSVHkUAUYMtgTfkbn5GaQnxfLvTftptVa8MQHjV4JX1e8AJwMF7tTAdcBlXgYWSYoP1zM0LYG4mMi8/mpfxURHcd7UoZQdaWD13sOhDseYiOH3dMHAZJzx8L7bPBLgeCJOqyrFlfWcMDI91KGEtRm5aSzfdYjXNu9nem6aTSdsTAD4O4rmUZwpC04BTnRvNoukH8prGmlsbmWU9b93SUS4eMZw6o+12KX9jAkQf1vwBcAU7cUwBxGJBlYBpap6cU+37+/ahv+Nsv73buUOTmRO3mDe21XBifkZZNs5A8b0ib+dwpuAob2s48vA1l5u2+8VVdaTGBs94CcY89c5U3KIjY7i5Y37bNikMX3kb4LPAraIyKsi8kLbrbuNRGQEcBHwl74E2Z8VVdYzKiPJTnDyU0pCLGdPzmH7gVrWlxwJdTjG9Gv+dtHc2cvy7wG+BaT0cvt+rbqhifKaRmaMSAt1KP3KyWMzWV9SxUsb9jFuSDLJ8T0ZC2CMaePvMMn/AHuAWPf++8CarrYRkYuBg6q6upv1bheRVSKyqry83L+o+4n1xVUodoJTT0WJcOWsETQ2t/L8mhLrqjGml/wdRXMb8CzwZ/ehXOAf3Wy2ALhURPYATwFnishj7VdS1ftVtUBVC7Kzs/2Nu19YW1SFACPtAGuPDU1L4LypQ9m6v4YVhXbitDG94W8f/B04CbsaQFV3AEO62kBVv6uqI1Q1H7gWeFNVB9QEZWuLDpOdEm9juntp/thMJuQk8/KGMlbsPtTj7VWVusZmGptb7FeAGZD87dxsVNVjbQcK3ZOd7BPTBVVlY+kRG//eB1EiXFMwinv/s4vbH13N3z9zMhOHdn84p6KmkXd2VvDB/mqqG5oByE6JZ/7YTK45cSTRUXbA2wwM/rbg/yMi38O5+PY5wDPAi/5WoqpvD7Qx8PurG6ioPUZuus0g2ReJcdHcMj+f+Jgorr7vPZbt6rwlv6/qKE+uLOK3i7ezrvgweZmDuHDaUM6dkkNcdBT/XLePzz22mqPHWoL4DIwJHX9b8N8BbgU2Ap8BXmEAD31s09WVeLbsqwawBB8AGYPiWPT5+dz80Equ+8tyrikYyQ0n5TFxaAp1jc0s332Ip98v5q0PyomPiWLhhGwWjMs6bvTNaROyWbb7EC9vLOPWh9/nkU/NJSba5gbqiF1hKnL4leBVtVVE/gH8Q1Uja6iLR0qrnBkkh6ZZgg+EEYOTeP6OBfzhjR389d09PPV+8XHLMwfFce6UHOaNziQx7qPHPESE+WOzWDghm289u4HfvL6db50/KVjhGxMS3V10W4AfAl8AxH2oBfiDqt4VhPj6rdKqeoakxtsMkgGUmhDL9y+awm0Lx7Bs1yEKK5zLIM4YkU5B3mD+vqqk2zI+XjCStUWH+dPbuzhlfBbzx2YFIXJjQqO7FvxXcEbPnKiqhQAiMga4V0S+qqq/9Ti+fklVKa1qYGKOXavcC0NSErhsZm6vt//hJVN5Z0cFd76wmVe+dKp11ZiI1d07+ybgE23JHUBVdwM3uMtMB6obmqlrbLb+9zCVEBvNDy6awvYDtTy6fG+owzHGM90l+FhVrWj/oNsPH9vB+gYoPXwUsAOs4ey8qTksGJfJH97cSf2x5lCHY4wnukvwx3q5bECzA6zhT0T42jkTqaw7xuPLux81Ykx/1F2CP0FEqju41QDTgxFgf2QHWPuHOXmDWTAukz8v2U1Dk42NN5GnywykqtGqmtrBLUVVrYumA20HWK17pn/44pnjqaht5NnV3Y/AMaa/sSZmgNkB1v5l3ugMpg5P5ZFle2y+GhNxLMEHmB1g7V9EhJvn57P9QG2X0yAY0x9Zgg8wO8Da/1x6wnAGJ8Xyt/f2hDoUYwLKEnyA7as6agdY+5mE2GiunTuKxVsPUHK4PtThGBMwloUCSFUpqTpKbrpNEdzf3HBSHiJiJz6ZiGIJPoD+e4A1IdShmB7KTU/k3Ck5PP1+sU0nbCKGJfgAsgOs/dvN8/Opqm/ihfWloQ7FmIDwLMGLSIKIrBSR9SKyWUR+5FVd4cIOsPZv80ZnMDEnhYff22tDJk1E8LIF3wicqaonADOB80XkJA/rCzk7wNq/iQg3zc9jS1k1a4oOhzocY/rM3ys69Zg6TaBa999Y9xaxzaK2A6wTc7q/Zmh/4M9VfSLR5TNzufuVbTyybC9z8jJCHY4xfeJZggcQkWhgNTAO+KOqrvCyvlCyA6z9gz9fXFcXjOCx5Xv5wUVTyE6JD0JUxnjD074EVW1R1ZnACGCuiExrv46I3C4iq0RkVXl5/70aoB1gjRw3npRHU4vy1MqB+SvGRI6gdBarahXwNnB+B8vuV9UCVS3Izs4ORjie2HfEDrBGijHZyZw6PovHVxTR3NIa6nCM6TUvR9Fki0i6ez8ROBvY5lV9obav6ijZKXaANVLcdHI++6sbeG3LgVCHYkyveZmNhgFvicgG4H3gdVV9ycP6Qqq06qh1z0SQMycNIS8ziT8v2W1DJk2/5VmCV9UNqjpLVWeo6jRVvcurukKtuqGJmoZmhluCjxjRUcJtp45hfXEVKworQx2OMb1i/QkBUFblHGC1BB9Zrp4zgqzkOO77z65Qh2JMr1iCD4C2M1iHp9kQyUiSEBvNJxeM5u0PyllrJz6ZfsgSfADsq2ogMzme+NjoUIdiAuyW+flkDorjV69+EOpQjOkxS/ABsK/qKMPtBKeINCg+hjvOGMd7uw7xzo7+e56GGZgswfdRXWMzVUebbARNBLv+pFGMzEjkzhc209hsUwmb/sMSfB/tswOsES8+Jpq7LpvGrvI67v/P7lCHY4zfLMH30YcJ3s5gjWhnTBzCxTOG8Yc3d7KhpCrU4RjjF08nGxsISquOkjEojsQ4O8Aa6X582TTWFlXx2UdX8+IXTyEz2f+JyFSVTaXVrCg8xL6qBqIEThiZzsIJ/Xd6DhP+LMH30b4jDdY9M0AMHhTHn2+cw1X3vseND67kkVvnktVNkm9oauGFdfv463t72FpWDUByfAxNLa38ZWkhKfExnD5pCPNGZxAlEoynYQYQS/B9cPRYC5V1xzgxb3CoQzFBMi03jftvKuAzj67i6nvf4xdXzWDemMyPrFdyuJ4nVhTx5MoiDtc3MWloCj+/cjpnTRrCkNQEWlqVtUWHuWfxDl5cv4/CijquKRhJdJQleRM4luD7YN8RO8A6EJ02IZvHPz2PWx9exTX3L2dM1iDGDUkmITaaI0eb2HOojr2H6hHg3Kk5fHLBaOaNzkB8WujRUUJBfgaP3jqXzz22hn9v3k9rq3LdvFHWkjcBYwm+D2wEzcA1Jy+Dr5w1gaU7K9hQUvXhrJNRAkNTEzhnSg4zR6ZzxxnjuixHRFg4IZvoKOHljWW8ue0gZ0/OCcZTMAOAJfg+KK06SnpiLIPibTcORHExUZw5aQhnThpCQ1MLTS2tJMZGExPd88Fp88dmUnakgTe3HWRURhITIuTSjya0bJhkHzhnsFrr3Tjz1qQkxPYquYPTkr9s5nCGpMTz/NpSGpvshCrTd5bge6mmoYmK2mOW4E3AxEZHceWsXKqPNvHaVrvQiOk7S/C9tLWsBsAusm0CalTmIOaNyWD5rkPsr24Iev27yms5VNtoFzmJENZ53EsbS48AdoDVBN7Zk3JYV1zFa5v3c9PJ+UGp892dFfz4pS1s2+80XJLjY7hqdi4Th6YGpX7jDS+vyTpSRN4Ska0isllEvuxVXaGwufQIqQkxpCTEhjoUE2GS4mM4bcIQtu2vobCizvP6nlxZxE0PreRYcys/unQqV8zKJSUhhkeW7eW9XRWe12+842UXTTPwdVWdDJwE3CEiUzysL6g2lh6x1rvxzPyxmaQmxPDvTWWedpe8unk/3120kVPGZfHPLyzg5vn5nJifwWdPG8vkYam8vKEsKF8yxhteXpO1TFXXuPdrgK1Arlf1BVNNQxM7y2ttimDjmdjoKM6enEPx4aNs2lftSR07D9bwtafXccKINP5845zjfo3GRkfxsTkjyEyO4+n3i6g/1uxJDMZbQemDF5F8YBawooNltwO3A4waNSoY4fTZxpIjqMLIjKRQhzJgPLGiKNQhBN3svMEs3VnBa5v3c9dlU4nt5RDMjjS3tPLVp9eTEBvNfTfOIaGDq5HFx0Zz7Ymj+ONbO3n7g3IunD4sYPWb4PB8FI2IJAPPAV9R1Y80RVT1flUtUNWC7Oz+MbPe2uIqAEYMtha88U6UCOdNHcqhumM8s6okoGX/ecluNpYe4ceXT2NYF1NdD09PZPaowSzbfYjDdccCGoPxnqcteBGJxUnuj6vqIi/rCqa1RVWMyRpEUpwNQurOQGx5B9KkoSmMykjid29s58rZuR22tHuqsKKO3y3ewYXTh/rVKj97Sg7rS6pYvPUAHysY2ef6TfB4OYpGgAeBrar6G6/qCTZVZV1xFTNHpoc6FDMAiAjnTs3hQHUjD7+3p8/lqSo/fGEz8TFR3HnpVL+2SUuMZe7oDNaXVHHkaFOfYzDB42UXzQLgRuBMEVnn3i70sL6gKK06SkVtI7NGpYc6FDNAjMlKZuGEbO79zy6qG/qWYF/dvJ8l28v56jkTGJLi/0l688dmoQrLdx/qU/0muLwcRbNUVUVVZ6jqTPf2ilf1BcvaoioAZo60OeBN8HzrvIlU1TfxwJLeXxO2pqGJO1/YwuRhqdx0cl6Pts0YFMeU4amsLKzkWHNrr2MwwWWdyD20rriK+JgoJg1L+fBsVmO8Ni03jYtmDOPBpYXceFIeQ1J7PkXGr1/bzoHqBq6Ylcvfe3HQdsHYLDbvq7Zr0vYjNhdND60rrmJ6blpAh6wZ449vnjuR5hbl7n9t6/G264ureHjZHuaNyej18N68zCSyk+NZvfdwr7Y3wWdZqgeONbeyqfSIHWA1IZGfNYjbFo5m0dpS3t9T6fd2zS2tfO/5jWQnx3PulKG9rl9EmJM3mL2V9ewqr+11OSZ4LMH3wLb91TQ2tzLTDrCaELnjjHHkpify7ec2cPSYf3PGP7i0kM37qvnhJVP7PMxy5qh0ogSeXR3YcfnGG5bge2Cde4LTrFF2gNWERlJcDL+8ega7y+v46Stbul1/9d7D/OrVDzh3Sg4XTu99671NakIsE3JSeG51Cc0tdrA13FmC74F1RVVkp8QzPM3mgDehs2BcFrcvHMNjy4t4+v3OTyTbV3WULzyxhmHpCfzqYyccd9HvvpiTN5iDNY0s2VEekPKMd2wUTQ+sdU9wCtQHxYSn/nD27TfOnci2/TV8d9FGEmKjuWzm8fP4lRyu57oHVlDb0MyTt59EWmLgprWeODSFzEFxPLOqhDMn2QXCw5m14P1UUdtIYUUds617xoSBuJgo7rthNnPyBvPlp9bxtafXsWpPJTsO1PDAkt1ccM87HK4/xqOfnse03LSA1h0TFcXls3JZvPUAh2obA1q2CSxrwfvp/UJn1MK8MRkhjsQYR1JcDI9/+iT+8OYO/vT2LhatLf1w2anjs7jrsmmMzhrkSd0fLxjJg0sL+ee6fXzqlNGe1GH6zhK8n1YUVpIYG8204YFtDRnTF3ExUXz93Incespolu+u5GhTM5OHpTIxJ8XTrsSJQ1OYlpvKorUlluDDmCV4P60srGR2XjpxMdarZcJPelIc50/r+yiZnrhy1gjuemkLH+yvYeLQlKDWbfxj2coPR442sXV/NXPzM0MdijFh49KZw4mJEhatsTHx4coSvB9W761EFeaOtv53Y9pkJcdz+sRsnl9bSkurd9eNNb1nCd4Py3dXEhcdZVMEG9POVbNHcLCmkaU7K0IdiumAJXg/vLOjgjl5gwNyNR1jIsmZk4eQlhhr3TRhyhJ8N8prGtlaVs0p47NCHYoxYSc+JppLThjGq5v3U9PHi5GYwPPykn0PichBEdnkVR3B8N4u56fnKeMswRvTkStnj6ChqZWXN5SFOhTTjpct+L8B53tYflAs3VFBWmJswM8GNCZSzBqZzoScZJ5cGf5TPAw0no2DV9UlIpLvVfnBoKos3VnBgnGZREfZ/DOm5wI1r40/5Vw3b1RA6uopEeG6uaO488UtbCo9Yo2hMGJ98F344EANZUcaOHV8dqhDMSasXTFrBPExUdaKDzMhT/AicruIrBKRVeXl4TX96OItBwA4a/KQEEdiTHhLS4rlkhOG84+1pVTbwdawEfKpClT1fuB+gIKCgrA6W+L1rQeZOTKdISk2/7sx3bllfj7Pri7h6ZXF3LZwTEDLDucuqnAW8hZ8uDpY3cD64irOmWLzXRvjj2m5aZw8JpO/vltoV3sKE14Ok3wSWAZMFJESEbnVq7q88Ma2gwCcPdkSvDH++vSpo9l3pIGXN9qQyXDg5SiaT3hVdjC8vKGMvMwkJuQkhzoUY/qNMyYOYWJOCr9/YwcXzxhuo89CzLpoOnCwuoH3dlVw2QnD7fJ8xvRAVJTw1XPGs6u8jn+uK+1+A+MpS/AdeGlDGa3qTIdqjOmZ86YOZerwVH67eDsNTS2hDmdAswTfgX+u38fU4amMG2IXMTCmp0SE714wmeLKo9z3n12hDmdAswTfzs6DNawvruIya70b02unjM/i4hnD+NPbuyisqAt1OAOWJfh2Hl22l7joKK6aPSLUoRjTr/3PxVOIj47iK0+vo7HZumpCIeQnOoWTusZmnltTykUzhpGZHB/qcIzpkUDNexMoOakJ/OpjM/jsY2v46ctbueuyaaEOacCxFryP59eWUtvYzI0n54U6FGMiwvnThnHbqaN5ZNle7lm8PdThDDjWgnc1tbTy5yW7mDEijVkj00MdjjER4zsXTKaqvol7Fu+gqr6J71wwqUdXR1NVahqaqGlopqG5hRgRkuJiSB8US0yUtVG7YgnetWhNCcWVR7nzkqk29t2YAIqOEn5x1QxSE2N5cGkh7+6s4ItnjeeCaUOJjT4+QasqJYePsnnfEdaXHGF9cRUbS49Q09D8kXKjBHLTExk3JIUTRtgUxR0R1fCZ36ugoEBXrVoV9HqPNbdy5q/fJmNQHP+8Y4HfCT7c+jyNCScdTf711gcH+fGLW9hdUUdSXDTTc9PISomntVWpqG1k2/6aD5N5bLQweVgq03PTOHK0ibTEWOJjomlVpbaxmYPVjew5VEdxZT0KzBudwefPGMfC8VkDqpEmIqtVtaCjZdaCBx54Zzclh4/yk8unDag3hjHBdsbEIZw2Ppu3PjjIku3lbCw9wtZ91URFCRlJcVw2cziTh6UyZVgqk4elftiV01VjqqahiXXFVawrruLmh1YyZVgqXzprPOdNzRnwn+cBn+D3Hqrj92/s4PypQzl9os37bozXoqKEsybncFaAJvJLSYjl1PHZ/O7aWfxjXSn3vb2Lzz62mpkj0/n2+ZM4eWxmQOrpjwZ0gm9qaeWbz24gJkr44aVTQh2OMRHF3y7MQM3jHhcTxccLRnLlrFwWrSnlt4u384kHlnPahGy+ed7EAXkpwQF9CPruf21jZWElP7liGsPSEkMdjjEmAGKio/j4iSN56xun870LJ7GuuIqL/7CULz25lr2HBtZZtQO2Bf+Xd3bz4NJCbpmfzxWz7KxVYyJNQmw0ty8cyzUnjuL+Jbt4aOkeXtlYxrVzR3LbqWPIyxwU6hA9N+ASfGur8oc3d/Lbxdu5cPpQvn/R5FCHZIzxUFpiLN88bxI3n5zPH97cyZMri3h8RRFnThzCzfPzWTAuK2Lnrfc0wYvI+cDvgGjgL6p6t5f1dae4sp7v/2MTS7aXc+WsXH559Qxiogd0L5UxA8aQ1AQmD0vlG+dOZEVhJcsLK3lj20FSEmKYNjyNablpjMpIiqgz2T1L8CISDfwROAcoAd4XkRdUdYtXdXZEVdlaVsMTK/fy9/dLiIqCn14xjevmjhrwQ6iMiST+HtRNTYzlnCk5nDExmy1l1WwsPcL7eypZtvsQcTFRvLHtAPNGZzJjRBqTh6WSMSjO48i942ULfi6wU1V3A4jIU8BlgCcJvqGphSNHmzhcf4yiQ/XsKq9j58FaVhQeouTwUeJiorhydi5fOXsCQ9MSvAjBGNMLoTphMCY6ihkj0pkxIp3Gpha2H6xld3ktJYeP8vYH2z5cLzslnryMJIalJzI8PYHhaYnkpCaQmhhDakIsqQmxpCTEkBAbTWy0EB0lYdN49DLB5wLFPv+XAPMCXYmqMuPO16hp/OipzENS4pkxIp3PnDaWS2YMIz2p/34TG2O8Ex/rnFU7PTeN6+aN4lBtI1vKqtlWVsO2/TWUHK5nfXEVr25q4FhLa7flxUVHERMtxEQJcTFRxERFIQICHyZ/EfeGkDEojn/csSDgz8vLBN/RV9hH5kUQkduB291/a0Xkg0AFsBd4H3iwb8VkARUBCCfQwjUuCN/YLK6eC9fYPIvr+r5t3uu45Au9rrPTgwZeJvgSYKTP/yOAfe1XUtX7gfs9jKNPRGRVZ/M8hFK4xgXhG5vF1XPhGpvF5R8vh5C8D4wXkdEiEgdcC7zgYX3GGGN8eNaCV9VmEfkC8CrOMMmHVHWzV/UZY4w5nqfj4FX1FeAVL+sIgnDtPgrXuCB8Y7O4ei5cY7O4/BBW88EbY4wJHDuN0xhjIpQl+E6IyPki8oGI7BSR7wSpzj0islFE1onIKvexDBF5XUR2uH8H+6z/XTe+D0TkPJ/H57jl7BSR30svzroQkYdE5KCIbPJ5LGCxiEi8iDztPr5CRPL7ENedIlLq7rd1InJhCOIaKSJvichWEdksIl8Oh33WRVzhsM8SRGSliKx3Y/tRmOyzzuIK+T7rMVW1W7sbzkHhXcAYIA5YD0wJQr17gKx2j/0S+I57/zvAL9z7U9y44oHRbrzR7rKVwMk45yL8C7igF7EsBGYDm7yIBfg8cJ97/1rg6T7EdSfwjQ7WDWZcw4DZ7v0UYLtbf0j3WRdxhcM+EyDZvR8LrABOCoN91llcId9nPb1ZC75jH06zoKrHgLZpFkLhMuBh9/7DwOU+jz+lqo2qWgjsBOaKyDAgVVWXqfPuecRnG7+p6hKg0sNYfMt6FjirrXXTi7g6E8y4ylR1jXu/BtiKczZ3SPdZF3F1Jpj7TFW11v031r0pod9nncXVmaDts56yBN+xjqZZ6OpDESgKvCYiq8U5wxcgR1XLwPmwAm3XFewsxlz3fvvHAyGQsXy4jao2A0eAvlxb7QsiskGcLpy2n/Qhicv9uT0Lp+UXNvusXVwQBvtMRKJFZB1wEHhdVcNin3USF4TBPusJS/Ad82uaBQ8sUNXZwAXAHSKysIt1O4sxFLH3JpZAxnkvMBaYCZQBvw5VXCKSDDwHfEVVq7taNZixdRBXWOwzVW1R1Zk4Z7rPFZFpXawetNg6iSss9llPWILvmF/TLASaqu5z/x4EnsfpKjrg/tTD/XuwmxhL3PvtHw+EQMby4TYiEgOk4X/Xy3FU9YD7gWwFHsDZb0GPS0RicZLo46q6yH045Puso7jCZZ+1UdUq4G3gfMJgn3UUV7jtM39Ygu9Y0KdZEJFBIpLSdh84F9jk1nuzu9rNwD/d+y8A17pH40cD44GV7k/aGhE5ye3Tu8lnm74KZCy+ZV0NvOn2U/ZYWzJwXYGz34Ial1vOg8BWVf2Nz6KQ7rPO4gqTfZYtIunu/UTgbGAbod9nHcYVDvusx3p7dDbSb8CFOCMOdgHfD0J9Y3COxK8HNrfVidMv9waww/2b4bPN9934PsBnpAxQ4L75dgH/h3tCWw/jeRLnZ2gTTmvj1kDGAiQAz+AckFoJjOlDXI8CG4ENOB+cYSGI6xScn9gbgHXu7cJQ77Mu4gqHfTYDWOvGsAn4f4F+z/dyn3UWV8j3WU9vdiarMcZEKOuiMcaYCGUJ3hhjIpQleGOMiVCW4I0xJkJZgjfGmAhlCd4YYyKUJXjT74lIbfdrhS8RuVxEpoQ6DhN5LMEbE3qX40w5a0xAWYI3EUMcvxKRTeJcZOEa9/FkEXlDRNa4j1/mPp4vzoUwHhDnwg6vuaemd1b+bSLyvjgXgnhORJLcx/8mIveKc2GN3SJymjvb4FYR+ZvP9rUi8lN3++UikiMi84FLgV+JcxGJsZ7uJDOgWII3keRKnJn+TsCZP+RX7vwhDcAV6szUeQbwa3duEHDmDfmjqk4FqoCruih/kaqeqKon4MyrfqvPssHAmcBXgReB3wJTgekiMtNdZxCw3N1+CXCbqr6Hc9r7N1V1pqru6sPzN+Y4luBNJDkFeFKdGf8OAP8BTsSZmvVnIrIBWIwzF3eOu02hqq5z768G8rsof5qIvCMiG4HrcRJ4mxfVmfdjI3BAVTeqM+vgZp8yjwEv+VmXMX0WE+oAjAmgzq6Icz2QDcxR1SYR2YMz2RNAo896LUCnXTTA34DLVXW9iNwCnO6zrK2c1nZltvLfz1mT/nfypxbs82c8Zi14E0mWANeIczWebJzrt67EmWv7oJvczwDyell+ClDmzq9+fUAidtS4ZRsTUJbgTSR5Hmcq1/XAm8C3VHU/8DhQICKrcBLztl6W/z84l7t7vQ9ldOQp4JsistYOsppAsumCjTEmQlkL3hhjIpQd5DGmHRH5I7Cg3cO/U9W/hiIeY3rLumiMMSZCWReNMcZEKEvwxhgToSzBG2NMhLIEb4wxEcoSvDHGRKj/D4Xo9so6kg3LAAAAAElFTkSuQmCC\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    },
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "sns.distplot(loan1.loan_amnt)\n",
    "plt.title(\"Distribution of Loan Amount for Defaulting Category\", x=0.5, y=1.1)\n",
    "plt.show()\n",
    "sns.distplot(loan.loan_amnt)\n",
    "plt.title(\"Distribution of Loan Amount for Entire Dataset\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "ddbad141",
   "metadata": {},
   "source": [
    "#### From the above plots can conclude that loan is usually borrowed in 2.5k intervals by more number of people, spikes at 2.5k intervals say so."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 154,
   "id": "0c201a1f",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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ZiTS3d/LS5gpe21rFBbPymVeciXurAmNMBLOkYo5JdWMb972xk8bWDj4zewwl4zKJiXKOqh5qaOWptftZtmY/VfWtnD1jtCUWYyKcJRUzZPUt7fz+rV20dnSy+LSJjMlIPGp6dko8158ynmfXH+D1bYcA4ZyZo70J1hgzLOxEvRmSzi7lsff2Ut/SzhdPHv+xhNItSoTPzB7DgnFZvL6tijV7qoc5UmPMcLKkYobkHx9UsvtwExfNKaA4K6nfeUWEC2ePYUJOMk+t28/G/bXDFKUxZrhZUjGDVlbdxKullcwrzmRucaZfZaKjhKtOKCY5LppvPr6O1o7OIEdpjPGCJRUzKJ1dylNr95OSEMMFs/IHVTYpPobPzitka0UDv1q+LUgRGmO8ZEnFDMqKnYcpr23hglljSIiNHnT5KXmpXLmgiPte38HqPUeCEKExxkuWVIzfapra+McHlUzKTWHmmLQhL+e286eTn57Itx5fT1NbRwAjNMZ4zZKK8dudr2ynpb2T82bmH9P1JinxMfzi0lnsPtzEHS9tDWCExhivWVIxftl3pImHV+xm/thMRqcnHPPyTp6YzVULi3ngrV1sKKs59gCNMSHBkorxy13/2IaIcMa0vIAt85ZzjyM7JZ7vLnuf9s6ugC3XGOMdSypmQLsPNbJszX6uXlgc0MEh0xJi+dGimWwpr+P+N3YFbLnGGO/YMC1mQHf/czux0cJNp0/k5c2Vx7y8njfxmjEmjf99qZT2zi6yU+LtJl7GhDFrqZh+VdS18PS6/VxWUkRu6rGfS+nNhbPGEBMtPL12P6oalHUYY4aHtVTMUXq2Iv6+8SAdnUpuasKAtwkeqrTEWM6Zkc/T6/azek81V584NijrMcYEn7VUTJ9a2zt5b/dhZhSkk5UcF9R1lYzLZNyoZF7YWE5ZdVNQ12WMCR5LKqZPK3cfoaW9i1MnZwd9XVEiXDK/EFX496Xr6LDeYMaEJUsqpledXcpbOw4zPjuZwsz+RyEOlKzkOC6aU8DqPdX8+hUbG8yYcGTnVEyvNpTVUNvczqI5Y4Z1vbOLMuhS5Tf/3M5JE0dx8sTgt5KMMYFjLRXTqxU7D5OTEs+UvNRhX/cPF81gfHYyX1+6joO1LcO+fmPM0FlLZYTxpwdXeW0z+6qbOf/4fKI8uKd8UlwM91w9j0vufYfrH1zJ4zeeRHL8Rx/Vgepg17kY452gJhUROQf4NRAN3K+qt/eYLu7084Am4Iuquqa/siLyC+BCoA3YAVynqjXutFuB64FO4Guq+mIw6xepVu4+QkyUMLc4w7MYjhudxl1XzeX6P67kxodXc/8XSoY01H5fLDEZExxBO/wlItHA3cC5wHTgShGZ3mO2c4HJ7uMG4F4/yi4HZqrqLGArcKtbZjpwBTADOAe4x12OGYS2ji7W7q1hZkE6SXHeNmQ/NTWXn18ym7d2HOKGh1fbMPnGhIFgnlNZAGxX1Z2q2gYsBRb1mGcR8JA6VgAZIpLfX1lVfUlVu39dVgCFPstaqqqtqroL2O4uxwzC+/traO3o4oRxWV6HAsAl8wu5/bPH88a2Kq68bwVV9a1eh2SM6Ucwk0oBsM/n/zL3NX/m8acswJeAvw1ifYjIDSKySkRWVVVV+VGNkeW9XUfISYln3Kjh6Ubsj8tPKOa318yntKKe8+98gx1VDV6HZIzpQzCTSm9neHsO7NTXPAOWFZHbgA7gT4NYH6p6n6qWqGpJTk5OL0VGru4T9CeMzzqmm3AFw1kzRvPkTZ8gJSGGB97cxVNry2hotcNhxoSaYCaVMqDI5/9C4ICf8/RbVkS+AFwAXK0fjUDoz/pMP1btriY6SphXlOF1KL2aPiaN5/7tFD4xKZvVe6r55YulvPB+OYcb7JCYMaEimGdiVwKTRWQ8sB/nJPpVPeZ5BviqiCwFFgK1qlouIlV9lXV7hX0XOE1Vm3os61ERuQMYg3Py/72g1S7CdHYp68tqmJ6fRlJ86PY0T4qL4bzj8ykZm8mrW6t4a/sh3tx+iIKMRCbkJDMhO4WapjYykoI7VpkxpndB+/VQ1Q4R+SrwIk634AdUdZOILHanLwFewOlOvB2nS/F1/ZV1F/0bIB5Y7h6iWaGqi91lPw5sxjksdrOqdgarfpFme2U9TW2dzAnRVkpPuWkJXFZSxNkzRrNubzWlFfW8vf0wb2w7xIPv7CY9MZZxo5IozEoiPy2B/IxEijITmTo6leKs0DlfZEykCeouqaq+gJM4fF9b4vNcgZv9Leu+Pqmf9f0U+OlQ4x3J1pfVkhgbzeS8FK9DGZT0xFhOm5rLaVNzaevoYs+RRsakJ7LnSCN7Djex+UAdr2ypoKX9owEqs1PiKcpMZN7YTCZkJ4fc+SNjwlnoHucww6ato4vNB+qYXZRBTFT4jtwTFxPF5NzUj124qKrUNLWz50gTW8rreHfnYf6+6SBr99VQmJnIeTPzGZed7FHUxkQWSyqGDw7W0dbZxeyidK9DCQoRITM5jszkOOYUZXDlgmIefHs36/fV8PKWCn73xk5On5rDGdPyPBmWxphIYknFsOlAHcnxMYwbNXL21mOjoygZl8Wswgye3XCAf5ZWUVHXyhULisK6tWaM1+zbM8K1d3ZRerCeGflpI3IvPS4mis/NK+SCWflsLq/jsff20dn1scubjDF+spbKCLetooG2zi5mFKR5HUrA+DMSc08nT8xGgGc3lPPipoN8/qSxgQ/MmBHAWioj3KYDTq+vCdnh1esrGE6amM1JE0bx5vZD/HXdfq/DMSYsWUtlBOtSpbSinuNGpxIdFTqHvobS0giU847P50BNM997eiMLx49idHqCZ7EYE46spTKC7TvSRFNbJ1NHD//dHUNVdJTwufmFtHd2ceuTG/hoFCBjjD8sqYxgHxysJ0pgcq4lFV/ZKfH8x1lT+WdpFS9uqvA6HGPCiiWVEaz0YD1jRyWTGGf3MuvpiyePY3JuCv/9whZaO2y0H2P8ZedURqiapjYO1rVw7szRXocSkh5fVcYpk7L5w9u7+frSdXxy8tG3SbDbDRvTO2upjFDbKpwbXU3Js0NffZmcl8rk3BRe21plrRVj/GRJZYTaVtVAWkIMuanxXocS0s6YlkdTWycrdh7xOhRjwoIllRGoS5UdlQ1Myk21EXoHUJyVxOTcFN7YZq0VY/xhSWUEOlDTTHN7J5Ny7YJHf/zLcbk0tXWyek+116EYE/IsqYxA2yud8ykTc0bOAJLHYuyoZIqzknh7x2G67LoVY/plSWUE2l7VwOi0BFITYr0OJWycMimbI41tbD5Q53UoxoQ0SyojTEdnF3sPN1krZZCmj0kjKzmOt3cc9joUY0KaJZURpqy6mY4uZbzd6XBQokRYMC6L3Ycbqaxv8TocY0KWJZURZtfhRoARdUOuQJk3NpNoEVbtthP2xvTFksoIs+tQI3lp8STF22AKg5USH8O0MWms2VtNS7t1LzamN5ZURpB293yKHfoaugXjsmhq6+TFTQe9DsWYkGRJZQTZuL+Wts4uxtsNuYZsQk4yWclxPPaed/d8MSaUWVIZQbrPBYwbleRxJOErSoSSsZms2HmEnVUNXodjTMixpDKCrNlbTWZSrF2fcozmj80kJkpYunKf16EYE3IsqYwQqsrqPdWMtV5fxyw1IZYzpuXy5Jr9dHR2eR2OMSHFksoIsb+mmcr6Voqy7NBXIFw8t5BDDa28uf2Q16EYE1IsqYwQ3YMhjrWkEhCfOi6H9MRYnl673+tQjAkpllRGiLV7a0iKiyYvLcHrUCJCfEw058/K58VNFTS2dngdjjEhw5LKCLF6TzWzCzOIjrL7pwTKxXMLaG63a1aM8WVJZQRoae9kS3kdc4ozvA4lopSMzaQwM5Gn7BCYMR+ysTpGgC3ldXR0KbML0znS2O51OBHh0Xedix8n56bwamkVS17bQZpPV+2rFhZ7FZoxnrKWygiwoawWgFmFGd4GEoHmFGWiwIZ9NV6HYkxIsKQyAqwvqyE7JZ78dDtJH2g5qfEUZiay1pKKMUCQk4qInCMipSKyXURu6WW6iMid7vQNIjJvoLIicqmIbBKRLhEp8Xl9nIg0i8g697EkmHULJxvKapldmI6InaQPhtmFGZTXtlBZZ/dZMSZoSUVEooG7gXOB6cCVIjK9x2znApPdxw3AvX6U3Qh8Fni9l9XuUNU57mNxgKsUlhpaO9hR1WCHvoLo+MJ0BFjvHmY0ZiQLZktlAbBdVXeqahuwFFjUY55FwEPqWAFkiEh+f2VVdYuqlgYx7ojyflktqjCrKN3rUCJWWkIsE3NSWF9Wg6p6HY4xngpmUikAfEfcK3Nf82cef8r2ZryIrBWR10Tkk73NICI3iMgqEVlVVVXlxyLD28b97kn6AksqwTS7KJ0jjW2UVTd7HYoxngpmUuntAH7P3bi+5vGnbE/lQLGqzgW+CTwqImkfW4jqfapaoqolOTk5Aywy/G0ur2N0WgKjUuK9DiWizRiTTkyUsL6sxutQjPFUMJNKGVDk838hcMDPefwpexRVbVXVw+7z1cAOYMqQIo8gmw/UMX3Mx3KrCbCE2Gimjk5lQ1ktXXYIzIxgwUwqK4HJIjJeROKAK4BneszzDHCt2wvsRKBWVcv9LHsUEclxT/AjIhNwTv7vDGyVwktLeyfbqxqYnm9JZTjMLsygobWDnVWNXodijGeCdkW9qnaIyFeBF4Fo4AFV3SQii93pS4AXgPOA7UATcF1/ZQFE5GLgLiAHeF5E1qnq2cCpwI9EpAPoBBar6pFg1S8cbKtooLNLraUyTKaOTiU+Jor1ds2KGcH8Sioisgx4APibqvp9VyJVfQEncfi+tsTnuQI3+1vWff0p4KleXl8GLPM3tkjVPXwIwKrdTk7dUdlw1OsmOGKjo5gxJp2NB2ppae8kITba65CMGXb+Hv66F7gK2CYit4vIcUGMyQTIgdpm4mOiyEyO8zqUEWN2UTqtHV28WlrpdSjGeMKvpKKqL6vq1cA8YDewXETeFpHrRMRueB6iymtaGJ2eQJRdST9sJmSnkBIfw1/X9duvxJiI5feJehEZBXwR+DKwFvg1TpJZHpTIzDHpUqW8roX89ESvQxlRoqOE4wvTeeWDSupabERoM/L4lVRE5EngDSAJuFBVP6Oqf1bVfwNSghmgGZrqxjbaOroYY4NIDrs5hRm0dXTx94128y4z8vjbUrlfVaer6s/cLr+ISDyAqpb0X9R44UCtM7ihtVSGX2FmIsVZSTxjh8DMCORvUvlJL6+9E8hATGCV1zYTJZCbZlfSDzcRYdGcMby945CNXGxGnH6TioiMFpH5QKKIzBWRee7jdJxDYSZElde0kJMaT2y03TLHC4vmjKFL4bkN5V6HYsywGug6lbNxTs4XAnf4vF4P/GeQYjIBUF7bzMQcO93llUm5qcwYk8Zf1+3nS6eM9zocY4ZNv0lFVR8EHhSRz7kXF5ow0NDaQV1Lh93p0WMXzy3gJ89vYWtFPVPyUr0Ox5hhMdDhr2vcp+NE5Js9H8MQnxmC8lpn+PX8DDtJ76WL5xYQGy0sfW/fwDMbEyEGOuCe7P5NAVJ7eZgQdLC751eatVS8NColnrNmjObJtWW0tHd6HY4xw2Kgw1+/df/+cHjCMYFQUddCakIMSfFBGy/U+OnKE4p5fkM5L246yKI5/txnzpjw5u/Fjz8XkTQRiRWRV0TkkM+hMRNiKupayUu1VkooOHniKIqyEu0QmBkx/O1vepaq1gEX4NxAawrw7aBFZYasS5XK+ha7PiVEREUJl5cU8c7Ow+w+ZPdZMZHP36TSPWjkecBjI/0+JaGspqmd9k61lkoIubSkiOgoYelKa62YyOdvUnlWRD4ASoBXRCQHsEuFQ1D3FdzWUgkdeWkJfGpqLk+s3kdrh52wN5HN36HvbwFOAkpUtR1oBBYFMzAzNBXdScVaKiHl2pPGcqihzcYDMxFvMN2DpuFcr+Jb5qEAx2OOUUV9K+mJsSTG2V0HQ8knJ2dz3OhU7n9jF5fML0TsHjcmQvl7O+GHgYnAOpz7vwMollRCTmVdC7mpdujLa73dvnnmmHSeWFPGD5/dzJS8VK5aWOxBZMYEl78tlRJguntPeROiOruUyvpWTrQxv0LSrKJ0Xtp8kH9+UMnk3GN/j3pLXL4saRkv+HuifiMwOpiBmGO370gTHV1qLZUQFRMVxelTc9lzpIltlQ1eh2NMUPibVLKBzSLyoog80/0IZmBm8LZW1ANObyMTmkrGZZKRFMvyzRVYw99EIn8Pf/0gmEGYwOhOKtZSCV0xUVGccVwey9aUsWzNfi6ZX+h1SMYElL9dil8DdgOx7vOVwJogxmWGYGtFAxlJscTHWs+vUDa3OIOizER+9sIWapvavQ7HmIDyd+yvrwBPAL91XyoAng5STGaItlbU25X0YSBKhEVzCqhuauMnz2/2OhxjAsrfcyo3A58A6gBUdRuQG6ygzOB1dHaxs6rRrqQPE2MyEvnX0yfxl9VlPLW2zOtwjAkYf5NKq6q2df/jXgBpZxlDyJ4jTbR1dllLJYx8/czJLBifxW1PbWTN3mqvwzEmIPxNKq+JyH8CiSLyaeAvwLPBC8sM1jbr+RV2YqKj+M2Vc8lJjecLv3+PtZZYTATwN6ncAlQB7wM3Ai8A3wtWUGbwSg82IAI51vMrrOSmJfDoV04kIzmWy3+7gt+/uYuOzi6vwzJmyPzqUqyqXSLyNPC0qlYFNyQzFFsr6ynKTCIuxt/9BBMqCjIS+evNp/CdJ9bz4+c288e3d3HFCcWcPHEUE7JTSEuMsbHCTNjoN6mI80n+PvBVQNyXOoG7VPVHwxCf8dO2inqm5NnwLOEqKzmO311bwvLNFSx5bQe/eLH0w2mx0UJqQiwp8TGkxMeQlhjDcaPT6OxSpuSlEh1lCceEjoFaKl/H6fV1gqruAhCRCcC9IvINVf1VkOMzfmjv7GLXoUbOmJbndSjmGIgIZ80YzVkzRlNZ38KaPdWUVTdzpLGN+pYOGlo7qG/poLqpjT+v3EdzeydpCTH8y3F5lIzLJMpaMyYEDJRUrgU+raqHul9Q1Z3u/elfAiyphIDdhxpp71Sm5KXQ3GbH4yNBbmoCRxrbSYqLISnu41/Ti+YoWyvqeWNbFU+v28/6shquWlBMcvxg7mZhTOANdAA+1jehdHPPq8T2Mr/xwNYKZ3DCKXmpHkdihkt0lDAtP42vfHICn51bwL4jTSx5bQdHGtsGLmxMEA2UVPr7hA746RWRc0SkVES2i8gtvUwXEbnTnb5BROYNVFZELhWRTSLSJSIlPZZ3qzt/qYicPVB8kaK0op4ogYk25P2IIyKUjMvi+lPG09TWyQNv7aKhtcPrsMwINlBSmS0idb086oHj+ysoItHA3cC5wHTgShGZ3mO2c4HJ7uMG4F4/ym4EPgu83mN904ErgBnAOcA97nIi3raKesaOSibBxvwascaOSuYLJ42lrrmdh97Zbd2SjWf6TSqqGq2qab08UlV1oMNfC4DtqrrTvRp/KR+/r/0i4CF1rAAyRCS/v7KqukVVS/m4RcBSVW11OxVsd5cT8bZW1Afkpk8mvBWPSuaykiLKqpt5cdNBr8MxI1QwL2ooAPb5/F/mvubPPP6UHcr6EJEbRGSViKyqqgr/S25aOzrZfbjJzqcYAGYWpHPihCze2nGYV0srvQ7HjEDBTCq99W/sOV5YX/P4U3Yo60NV71PVElUtycnJGWCRoW/XoUbneoXRllSM49yZ+eSmxnPbUxtparPzK2Z4BTOplAFFPv8XAgf8nMefskNZX8T5qOeXHf4yjtjoKC6aU8D+mmb+7+VtXodjRphgdmpfCUwWkfHAfpyT6Ff1mOcZ4KsishRYCNSqarmIVPlRtqdngEdF5A5gDM7J//cCVpsQ8ei7e4/6/6XNB4kSeG/nEdbsqfEmKBNyxmUnc+WCIn7/5i4unV/IZDs8aoZJ0FoqqtqBM7zLi8AW4HFV3SQii0VksTvbC8BOnJPqvwP+tb+yACJysYiUAScBz4vIi26ZTcDjwGbg78DNqtoZrPqFisq6VkYlxxMTbWN+maN9++zjSIqN5va/feB1KGYECerlt6r6Ak7i8H1tic9zxbkBmF9l3defAp7qo8xPgZ8eQ8hhp6KuhdHpNty9+bi/bzzIJyZl8/dNB/nxc5s/dh3TVQuLPYrMRDLbvQ1j7Z1dHGlss3uomD6dNHEUGYmxvLTpIM4+nDHBZQMFhbGq+lYUuzFXuOp5fiwYYqOjOH1qLk+v28+2ygbrem6CzloqYayirgWAXLsxl+nHvLEZZCTG8sqWCmutmKCzpBLGKutbiRLITrGkYvoWE+W0VvZVN7OtssHrcEyEs6QSxirqWshJjbebNJkBWWvFDBdLKmGsoq6F3FQ7n2IGZq0VM1wsqYSpto4uqpva7SS98Vt3a+UfH1Raa8UEjSWVMFVZ75ykH51m51OMf2Kiojh1Sg57jzSx63Cj1+GYCGVJJUx92PPLWipmEOaPzSQlPoZXS8N/hG4TmiyphKmKulZiooSs5DivQzFhJDY6ilMmZbO9soH1+2q8DsdEIEsqYaqiroXctHiixHp+mcFZOD6LxNhofvPP7V6HYiKQJZUwVVHXQp71/DJDEB8bzUkTR7F8cwWlB+u9DsdEGEsqYai5rZO6lg7r+WWG7OSJo0iKi+aeV621YgLLkkoY6u75lWc9v8wQJcXFcM2JY3l2/QF2H7KeYCZwLKmEoYPW88sEwJdPGU9MdBS/fX2H16GYCGJJJQxV1LUSFxNFRmKs16GYMJablsDlJUU8sbqMAzXNXodjIoQllTBUWddCXmo8Yj2/zDG68bQJANz1D7uXvQkMSyphqKKuxU7Sm4AozEzi6oVjeXxVGTurbEwwc+wsqYSZhtYOGts6LamYgLn5U5OIj4nijuVbvQ7FRABLKmGme3gWSyomUHJS4/nSJ8bz3IZyNu6v9TocE+YsqYSZj8b8su7EJnC+cuoE0hNj+eVLpV6HYsKcJZUwU1HXQmJsNKnxMV6HYiJIemIsN50+kVdLq3hnx2GvwzFhzJJKmCmvbSE/PcF6fpmA++LJ4yjISOQHz2yivbPL63BMmLKkEkY6Ors46CYVYwItITaa/3fhdEor6nnonT1eh2PClCWVMLL7cCMdXUp+RqLXoZgIddb0PE6bksMdL5VSVt3kdTgmDFlSCSObDtQBWEvFBI2I8JOLZgJwy7L37bbDZtAsqYSRzeV1REcJuTbkvQmioqwkbj1vGm9uP2SHwcygWReiMLL5QB15afFER9lJenPsHn13b7/Tp+al8tPntzCvOJPjC9OHKSoT7iyphAlVZfOBOsZlJ3sdihkBokS4dH4hD7y1i5v+tJqn/vUT5KQO/tqogRLXVQuLhxqiCVF2+CtMVNa3crixzc6nmGGTFB/Dks/P53BDG9c/uJKmtg6vQzJhwJJKmNj84Ul66/llhs+swgzuunIuG/fXct0fVtLYaonF9M+SSpjYXG49v4w3zpyex68un8OqPdVcff+7H9551JjeWFIJE5sP1DF2VBIJsdFeh2JGoEVzCrjn6nmUHqznwrvetKFcTJ8sqYSJzeV1TM9P8zoMM4KdPWM0T/7rySTGRnPl71bw3Sc2UF5rd4w0RwtqUhGRc0SkVES2i8gtvUwXEbnTnb5BROYNVFZEskRkuYhsc/9muq+PE5FmEVnnPpYEs27DqaG1g92HGy2pGM9Ny0/jb/9+KjecOoFla8o47eev8q3H1/POjsN02HhhhiB2KRaRaOBu4NNAGbBSRJ5R1c0+s50LTHYfC4F7gYUDlL0FeEVVb3eTzS3Ad93l7VDVOcGqk1dKD9ahCtPHpFFR1+p1OGaES4yL5j/Pm8bnTxzLktd28Nd1B1i2pozUhBjmFmcybXQq0/LTmJKXSntnF7HRdkBkJAnmdSoLgO2quhNARJYCiwDfpLIIeEidsSBWiEiGiOQD4/opuwg43S3/IPAqHyWViNQ9PIuTVKo8jsYYR1FWEj+9+HhuO38ar5VW8drWKjaU1fKHHYdpc1stAmQmx5GTEk9eWjzjs5MZn51CXIwlmkgVzKRSAOzz+b8MpzUy0DwFA5TNU9VyAFUtF5Fcn/nGi8haoA74nqq+ccy1CAGbD9SRmRTLaLvbowlBSXExnHt8Pucenw9Ae2cXO6sa2VpRz1Nr91NV30plfQvbKxt4fdsh4mKiOL4gnVMmZdvFkREomEmlt7FEeo5O19c8/pTtqRwoVtXDIjIfeFpEZqhq3VErFLkBuAGguDg8PrAbymqZWZBu91Axw24oP/qx0VFMHZ3K1NGp1Ld8dF1Le2cXuw418n5ZLe+X1bJmTzWzizI47/h8UuymcxEjmG3QMqDI5/9C4ICf8/RXtsI9RIb7txJAVVtV9bD7fDWwA5jSMyhVvU9VS1S1JCcnZ4hVGz7NbZ2UVtQzpyjD61CMOSax0VFMyUvlc/ML+c7ZUzl1Sg7v76/lV8u3fnhxrwl/wUwqK4HJIjJeROKAK4BneszzDHCt2wvsRKDWPbTVX9lngC+4z78A/BVARHLcE/yIyASck/87g1e94bHxQC2dXWpJxUSUpPgYzp4xmn/71CSykuN45N09vLT5oA21HwGC1uZU1Q4R+SrwIhANPKCqm0RksTt9CfACcB6wHWgCruuvrLvo24HHReR6YC9wqfv6qcCPRKQD6AQWq+qRYNVvuKzbWwM4w2UYE2oGOjw2kNy0BG44dQLPrj/Aq6VV1Dd3cNHcAhuJO4wF9UCmqr6Akzh8X1vi81yBm/0t675+GDijl9eXAcuOMeSQs66shoKMxCGNEGtMOIiNjuLiuQWkJcbyjw8q6VLlc/MLibJziGHJzo6FuPX7auzQl4l4IsKZ0/KIEnh5SyUp8TEf9iYz4cU6i4ewQw2tlFU3W1IxI8anpuZy4oRRvLH9EK9vtWuywpEllRC2Zk81AHOKM7wNxJhhIiJcMCufWYXp/H3TQZ5cU+Z1SGaQLKmEsFV7qomLdi4UM2akiBLhkvmFTMhJ5pZl77Pa3bky4cGSSgh7b9cRZhel23D3ZsSJiYriqgXF5GckcOPDqzlQY6MhhwtLKiGqua2TjftrKRmX5XUoxngiKS6G+68toaW9k688tMpuZxwmLKmEqLX7qunoUhZYUjEj2OS8VO66ci6by+v4j7+sp6vLLo4MdZZUQtSq3dWIwLyxmV6HYoynPnVcLreeexwvvH+QO/+xzetwzADsOpUQ9d6uI0zNSyU9MdbrUIzx3Fc+OYHSgw3838vbmJybyvmz7BqWUGUtlRDU0t7Jyt1HOHlittehGBMSRIT//uxM5hVn8K2/rGPj/lqvQzJ9sKQSglbvqaa1o4tTJo/yOhRjQkZ8TDRLPj+fzKQ4bnhoFZX1LV6HZHphSSUEvbHtEDFRwsLxllSM8ZWbmsDvri2huqmdGx9eTXNbp9chmR4sqYSgt7YfYl5xJsl24yJjPmZmQTp3XDabdftqWPzIalo7LLGEEvvVCjHVjW1sPFDLN8782P3FjBlx+hta/+I5BTy5dj83PbKGe66eZxcJhwhrqYSY17dVoQqnTLaT9Mb0p2RcFovmjOGfpZVc+/v3qG5s8zokg7VUQs5LmyvITolnjt2Uy5gBLRw/ijOn5fGtx9dz4W/eZMk185k5zGPl+XOjsqsWFg9DJKHBkkoIae3o5NUPKvnMnDFE2Z3vjPHLhbPHUJiZyE2PrOGiu9/i5k9N4qbTJwbscJhv0ujsUto6umjr7KKjs4u4mCiS4mLsTpU+LKmEkHd2HKaxrZNPT8/zOhRjwsrc4kz+9u+f5AfPbuLXr2xj6cq9LD5tIp+dVzjoC4hVlYN1LeyobGTnoQZeeP8gh+pbqWpopba5/WPzRwlkJcdRmJnEpJwUpuWnkRg3cs/vWFIJIS9triApLtouejRmCDKT4/j1FXO54oRifvlSKT98djM/+9sHnDhhFAvHZzElL5W8tHiS4qJp7eiiraOL+pYO9tc0s7+6mb1Hmth5qIGdVY00+XRVjo+JIic1nvHZyYxKjiMhNpq46Ciio4S2zi7qmtuprG9lW2UD6/bVEB0lzC5M55OTc8hLS/Bwi3jDkkqIaO/s4sWNB/nU1FzrxWLMMThp4iiW3XQyG/fXsmxNGa9trRrwLpLRUUJ+egITclI4YVwWE3NSmJCTzKScFJZvrkBk4MNbqkpZdTNr9lazZm81a/fWMH9sJmfNGD3geZdIOudiSSVEvL61isONbVw8t8DrUIyJCDML0j88aV/b3M7OqgYONbTR3N5JXHQU8TFRJMfHUJCZSF5qPDHRvXeG9SehdM9XlJVEUVYSn56Wx6tbq3hnx2E2l9exaE7BiLnZniWVELFsTRlZyXGcNjXH61CMiSgDtRK2VzYEfJ1J8TGcd3w+88dmsmxNGY+9t5fdE0dx3sz8iD+pb0klBNQ2tfPy5kquWlhMbB97S8aY3vnTpdcreWkJ3HjqRP6+sZy3dhymvKaZKxcUk5oQuaOP2y9YCHhybRltnV1cMr/Q61CMMQEWHSWcP2sMl5UUsb+mmbv/uZ3y2si9PbIlFY91dikPvLWLkrGZw37RljFm+MwpymDxaRMREe57fSfbKuu9DikoLKl4bPnmg+w70sz1p4z3OhRjTJDlpyey+LSJZCbF8eDbu1m9p9rrkALOkoqHVJXfvr6ToqxEzpox2utwjDHDID0xlhtOncCE7BSWrSnjlS0VqKrXYQWMJRUPvbipgrV7a1h82sSI7xFijPlIQmw01548lnnFGbzyQSXfeWID7Z1dXocVENb7yyPtnV38z98/YFJuCpeXFHkdjjFmmMVERfG5eYVkJMXxl9VlHKxr4Z6r54V9zzBrqXjk92/uYtehRm4997g+L7oyxkQ2EeHMaXn8/HOzeHvHYS777QoO1ob3bZLt18wDmw/U8b8vlXLOjNH8y3G5XodjjPHYZScU8cAXT2Dv4UYuvuctPjhY53VIQ2ZJZZjVNrfztaVryUiK478/e7zfQ0AYYyLbaVNyeHzxSXR2KZfe+w5PrS0LyxP4llSGUUt7J195cBV7Djfy68vnkJUc53VIxpgQMmNMOk/d/AmmjE7lG39ez+JHVnOoodXrsAbFksowOdTQyjX3v8vKPUe447I5nDzJhrc3xnxcQUYij994Ereeexz//KCKs371Oo+s2ENHmPQOs6QyDF7adJAL73qT9/fXcteVc7lw9hivQzLGhLDoKOHG0yby3NdOYWJOMt97eiNn3PEaD6/YQ13Lx28UFkqCmlRE5BwRKRWR7SJySy/TRUTudKdvEJF5A5UVkSwRWS4i29y/mT7TbnXnLxWRs4NZt4E0t3Xy/IZyLl3yNjc8vJq0hFieWHwyF8yyhGKM8c+UvFQev/EkfndtCRlJcfzX0xsp+fHLfOWhVfx13X4q60Kvp1jQrlMRkWjgbuDTQBmwUkSeUdXNPrOdC0x2HwuBe4GFA5S9BXhFVW93k80twHdFZDpwBTADGAO8LCJTVLWTAFNVWju6aGztoLG1k/rWdirqWthf00LZkSbe31/Lmr3VtLR3UZiZyPcvnM41J461EYiNMYMmInx6eh5nTstl3b4anl1fzvPvH2D55goARqclMKswnfE5yRRkJJKfnkhGUizJcTGkxMeQFB9NUlw0MVFRxEQJUUG+0DqYFz8uALar6k4AEVkKLAJ8k8oi4CF1ujisEJEMEckHxvVTdhFwulv+QeBV4Lvu60tVtRXYJSLb3RjeCXTF1u6r4bP3vN3rtNho4bjRaVxxQjGfnp7HwvFZdh2KMeaYiQhzizOZW5zJ986fxrqyGtburWFDWQ3vl9XyamkVbX6cdxGBmCjhgllj+NXlcwIeZzCTSgGwz+f/MpzWyEDzFAxQNk9VywFUtVxEui/0KABW9LKso4jIDcAN7r8NIlLqb4X8tR14Dvjh0BeRDRwKUDihKNLrB5FfR6tfAF09XCvy8X+Q/X9XDLmOY/uaEMyk0lsbq2en677m8afsUNaHqt4H3DfAsjwlIqtUtcTrOIIl0usHkV9Hq1/4C1Ydg3lcpgzwHdSqEDjg5zz9la1wD5Hh/q0cxPqMMcYEUTCTykpgsoiMF5E4nJPoz/SY5xngWrcX2IlArXtoq7+yzwBfcJ9/Afirz+tXiEi8iIzHOfn/XrAqZ4wx5uOCdvhLVTtE5KvAi0A08ICqbhKRxe70JcALwHk4pyGagOv6K+su+nbgcRG5HtgLXOqW2SQij+OczO8Abg5Gz69hEtKH5wIg0usHkV9Hq1/4C0odJRzHljHGGBOarK+rMcaYgLGkYowxJmAsqYSYgYa2CQciUiQi/xSRLSKySUT+3X09LIbY8ZeIRIvIWhF5zv0/YurnXoj8hIh84L6PJ0VY/b7hfjY3ishjIpIQ7vUTkQdEpFJENvq8Nug6ich8EXnfnXanyCDvz6Gq9giRB06nhB3ABCAOWA9M9zquIdQjH5jnPk8FtgLTgZ8Dt7iv3wL8j/t8ulvXeGC8uw2iva6HH/X8JvAo8Jz7f8TUD2e0ii+7z+OAjEipH85F0buARPf/x4Evhnv9gFOBecBGn9cGXSecXrMn4Vz79zfg3MHEYS2V0PLh0Daq2gZ0D08TVlS1XFXXuM/rgS04X+RFOD9WuH8vcp9/OMSOqu7C6Q24YFiDHiQRKQTOB+73eTki6iciaTg/UL8HUNU2Va0hQurnigESRSQGSMK5pi2s66eqrwNHerw8qDq51/6lqeo76mSYh3zK+MWSSmjpa9iasCUi44C5wLv0GGIH8B1iJ9zq/X/AdwDfwZYipX4TgCrgD+7hvftFJJkIqZ+q7gd+iXNJQjnO9XEvESH162GwdSpwn/d83W+WVELLUIanCVkikgIsA76uqv3ddDus6i0iFwCVqrra3yK9vBay9cPZi58H3Kuqc4FGnEMnfQmr+rnnFRbhHPYZAySLyDX9FenltZCtn58COUTWUSyphJaIGWpGRGJxEsqfVPVJ9+VIGWLnE8BnRGQ3ziHKfxGRR4ic+pUBZar6rvv/EzhJJlLqdyawS1WrVLUdeBI4mcipn6/B1qnMfd7zdb9ZUgkt/gxtE/Lc3iK/B7ao6h0+kyJiiB1VvVVVC1V1HM579A9VvYbIqd9BYJ+ITHVfOgNnpIqIqB/OYa8TRSTJ/ayegXPeL1Lq52tQdXIPkdWLyInutrnWp4x/vO6xYI+P9eA4D6e31A7gNq/jGWIdTsFpMm8A1rmP84BRwCvANvdvlk+Z29w6lzLI3iYe1/V0Pur9FTH1A+YAq9z38GkgM8Lq90PgA2Aj8DBOL6iwrh/wGM45onacFsf1Q6kTUOJulx3Ab3BHXvH3YcO0GGOMCRg7/GWMMSZgLKkYY4wJGEsqxhhjAsaSijHGmICxpGKMMSZgLKkYMwgi8vYQy10kItP9mO8HIvIf7vM/isglQ1nfIOL6ooiMCeY6zMhiScWYQVDVk4dY9CKckWFDzRdxhioxJiAsqRgzCCLS4P49XURe9bnnyJ+67zshIreLyGYR2SAivxSRk4HPAL8QkXUiMlFEviIiK0VkvYgsE5GkAda7W0T+W0TeEZFVIjJPRF4UkR0isthnvm+7y90gIj90Xxsnzj1RfufeQ+QlEUl0W0ElwJ/cuBKDtd3MyGFJxZihmwt8HacFMgH4hIhkARcDM1R1FvATVX0bZ1iMb6vqHFXdATypqieo6mycIUKu92N9+1T1JOAN4I/AJcCJwI8AROQsnOE2FuBcET9fRE51y04G7lbVGUAN8DlVfQLnqvmr3biaj2VjGAPOaKTGmKF5T1XLAERkHTAOWAG0APeLyPPAc32UnSkiP8G5+VUK8KIf6+seB+59IEWde9XUi0iLiGQAZ7mPte58KTjJZC/OAIrr3NdXu7EaE3DWUjFm6Fp9nncCMaragdNSWIZzHuXvfZT9I/BVVT0eZxyqhEGsr6vHurtwdhAF+Jnb6pijqpNU9fd9xerH+owZNEsqxgSQew+ZdFV9AefQ2Bx3Uj3OrZW7pQLl7i0Crg7Q6l8EvuTGgIgUiEjuAGV6xmXMMbG9FWMCKxX4q4gk4LQcvuG+vhT4nYh8DedcyH/h3A1zD87hrGP+YVfVl0RkGvCO22egAbgGp2XSlz8CS0SkGTjJzquYY2WjFBtjjAkYO/xljDEmYCypGGOMCRhLKsYYYwLGkooxxpiAsaRijDEmYCypGGOMCRhLKsYYYwLm/wMaqjeFgEdYqQAAAABJRU5ErkJggg==\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    },
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "sns.distplot(loan1.installment)\n",
    "plt.title(\"Distribution of Installment for Charged Off Customers\")\n",
    "plt.show()\n",
    "sns.distplot(loan.installment)\n",
    "plt.title(\"Distribution of Installment for Entire Dataset\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "e5fa6ad0",
   "metadata": {},
   "source": [
    "#### Maximum number of people pay for installments per month of 200."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 155,
   "id": "af5b44f7",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    },
    {
     "data": {
      "text/plain": [
       "count    5400.000000\n",
       "mean      285.338102\n",
       "std       239.246394\n",
       "min         0.000000\n",
       "25%       110.832500\n",
       "50%       229.875000\n",
       "75%       391.460000\n",
       "max      3000.000000\n",
       "Name: last_pymnt_amnt, dtype: float64"
      ]
     },
     "execution_count": 155,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "sns.distplot(loan1.last_pymnt_amnt)\n",
    "plt.title(\"Distribution of last_pymnt_amnt\")\n",
    "plt.show()\n",
    "loan1.last_pymnt_amnt.describe()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "8cfd26c6",
   "metadata": {},
   "source": [
    "#### This indicates that most people who been charged off have paid balance amount between 0 - 1k."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 156,
   "id": "b106886c",
   "metadata": {
    "scrolled": false
   },
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "sns.distplot(loan1.term)\n",
    "plt.title(\"Distribution of term\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "f74ccba6",
   "metadata": {},
   "source": [
    "#### This shows that people whose term is 36 months are more likely to default than those who have term as 60 months. The difference is nearly 1.5 times."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 157,
   "id": "cde22401",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "sns.distplot(loan1.annual_inc)\n",
    "plt.title(\"Distribution of Annual Income\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "3f0f706f",
   "metadata": {},
   "source": [
    "#### People who have Annual Income Less than 2 Lakhs are more likely to Default on a Loan"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 158,
   "id": "8b0e6d01",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>id</th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>member_id</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>verification_status</th>\n",
       "      <th>issue_d</th>\n",
       "      <th>loan_status</th>\n",
       "      <th>addr_state</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>application_type</th>\n",
       "      <th>total_pymnt</th>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "      <th>issue_d_month</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>1077430</td>\n",
       "      <td>2500</td>\n",
       "      <td>1314167</td>\n",
       "      <td>60</td>\n",
       "      <td>15.27</td>\n",
       "      <td>59.83</td>\n",
       "      <td>RENT</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>GA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>1008.71</td>\n",
       "      <td>119.66</td>\n",
       "      <td>C</td>\n",
       "      <td>C4</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>8</th>\n",
       "      <td>1071795</td>\n",
       "      <td>5600</td>\n",
       "      <td>1306957</td>\n",
       "      <td>60</td>\n",
       "      <td>21.28</td>\n",
       "      <td>152.39</td>\n",
       "      <td>OWN</td>\n",
       "      <td>40000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>646.02</td>\n",
       "      <td>152.39</td>\n",
       "      <td>F</td>\n",
       "      <td>F2</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>9</th>\n",
       "      <td>1071570</td>\n",
       "      <td>5375</td>\n",
       "      <td>1306721</td>\n",
       "      <td>60</td>\n",
       "      <td>12.69</td>\n",
       "      <td>121.45</td>\n",
       "      <td>RENT</td>\n",
       "      <td>15000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>TX</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>1476.19</td>\n",
       "      <td>121.45</td>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>12</th>\n",
       "      <td>1064687</td>\n",
       "      <td>9000</td>\n",
       "      <td>1298717</td>\n",
       "      <td>36</td>\n",
       "      <td>13.49</td>\n",
       "      <td>305.38</td>\n",
       "      <td>RENT</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>VA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>2270.70</td>\n",
       "      <td>305.38</td>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>14</th>\n",
       "      <td>1069057</td>\n",
       "      <td>10000</td>\n",
       "      <td>1303503</td>\n",
       "      <td>36</td>\n",
       "      <td>10.65</td>\n",
       "      <td>325.74</td>\n",
       "      <td>RENT</td>\n",
       "      <td>100000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>7471.99</td>\n",
       "      <td>325.74</td>\n",
       "      <td>B</td>\n",
       "      <td>B2</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "         id  loan_amnt  member_id  term  int_rate  installment home_ownership  \\\n",
       "1   1077430       2500    1314167    60     15.27        59.83           RENT   \n",
       "8   1071795       5600    1306957    60     21.28       152.39            OWN   \n",
       "9   1071570       5375    1306721    60     12.69       121.45           RENT   \n",
       "12  1064687       9000    1298717    36     13.49       305.38           RENT   \n",
       "14  1069057      10000    1303503    36     10.65       325.74           RENT   \n",
       "\n",
       "    annual_inc verification_status issue_d  loan_status addr_state  \\\n",
       "1      30000.0     Source Verified  Dec-11  Charged Off         GA   \n",
       "8      40000.0     Source Verified  Dec-11  Charged Off         CA   \n",
       "9      15000.0            Verified  Dec-11  Charged Off         TX   \n",
       "12     30000.0     Source Verified  Dec-11  Charged Off         VA   \n",
       "14    100000.0     Source Verified  Dec-11  Charged Off         CA   \n",
       "\n",
       "    delinq_2yrs  total_rec_late_fee application_type  total_pymnt  \\\n",
       "1             0                 0.0       INDIVIDUAL      1008.71   \n",
       "8             0                 0.0       INDIVIDUAL       646.02   \n",
       "9             0                 0.0       INDIVIDUAL      1476.19   \n",
       "12            0                 0.0       INDIVIDUAL      2270.70   \n",
       "14            0                 0.0       INDIVIDUAL      7471.99   \n",
       "\n",
       "    last_pymnt_amnt grade sub_grade  issue_d_month  \n",
       "1            119.66     C        C4             12  \n",
       "8            152.39     F        F2             12  \n",
       "9            121.45     B        B5             12  \n",
       "12           305.38     C        C1             12  \n",
       "14           325.74     B        B2             12  "
      ]
     },
     "execution_count": 158,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1.head()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 159,
   "id": "2f41b210",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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ngbF8vaqeNrunRpI032Y7vXYWMPnHiY4EPjJQ9zLgDVV1DUD/843Ay0e0cy6weoZjnQi8rKqu79vbXFXvrarLB7Y5EngpsHuSyfaeBNxZVe+a3KiqvltVb5/NACVJC2+2ofNR4Igk2wEPAb41UHcgsH5o+3V9+bCn0F2NTOdA4NtTVSbZA3hgVZ0HfAx47mz26z12aHptnxHtH5tkXZJ1m2/bNENzkqS5mFXo9NNkE3RXGP80VB2gZih7U5KrgQ8Cb5ht55Ic1IfDVUkmw+UIurCBLgyPnGLfd/b3g84fKP56Va0ZeFw1vF9VnVZVa6tq7YqVq2bbVUnSLMzl22tn0t27+chQ+SXA2qGyg4FLB9ZfDuwLnAS8f4bjXNLvT1Vd1N/vOQvYvq8/Ejgmyca+Tw9Nst/gfv2+LwIOAXaeeWiSpBbmEjrvBV5bVRcNlb8ZeFWSCYD+5wnAWwY3qqpfAW8D7pXkydMc543Am5PsPlC2fd/2/sC9q2p1VU1U1US//RHAvwDbJflvA/utnMP4JEkLbNahU1XXVdXbRpRvAF4JfDbJvwGfBV7Rlw9vW8DrgFdMc5x/Ak4FzkpyaZJzgM3AP9Nd5XxqaJdPAEf2bT8TeHz/Fe3z6K6qXjmw7fA9nWfPbvSSpPmQ7r1ao2y7636169F/P+5uSFpg/s+h8yvJ+qoavu0C+BcJJEkNGTqSpGYMHUlSM4aOJKkZQ0eS1IyhI0lqxtCRJDVj6EiSmpnN/6ezxTpo9SrW+UtjkjRvvNKRJDVj6EiSmjF0JEnNGDqSpGYMHUlSM4aOJKkZQ0eS1IyhI0lqxtCRJDVj6EiSmjF0JEnNGDqSpGYMHUlSM4aOJKkZQ0eS1IyhI0lqxtCRJDVj6EiSmjF0JEnNGDqSpGYMHUlSM4aOJKkZQ0eS1IyhI0lqxtCRJDVj6EiSmtlq3B1YzC66fhMTx39+3N2QpKY2nnz4grXtlY4kqRlDR5LUjKEjSWrG0JEkNWPoSJKaMXQkSc0YOpKkZgwdSVIzho4kqZlFHTpJNifZkOTiJJ9Nct++fCLJ7X3d5OOovm5jkk8MtPHsJKcnef7AtncmuahfPnlMw5OkLc5i/zM4t1fVGoAk7wdeBLy+r7tqsm6EtUkOrKpLJguq6n3A+/q2NgJPrKqbF6jfkqQRFvWVzpBzgdWz3PbNwAkL2BdJ0t2wJEInyQrgEODMgeJ9hqbXHjtQ9zHg4CT7Nu2oJGlai316bfskG4AJYD3wpYG66abXNgNvAl4FnDWXAyY5FjgWYMWOO8+tt5KkaS32K53Jezp7AtvQ3dOZrTOAxwEPmssBq+q0qlpbVWtXrFw1l10lSTNY7KEDQFVtAl4MvCzJ1rPc5xfAW4G/WsCuSZLmYEmEDkBV/StwAXBEXzR8T+fFI3Z7D4t/ClGSthiL+g25qnYYWn/6wOr2U+wzMbD8c2C36baRJLWzZK50JElLn6EjSWrG0JEkNWPoSJKaMXQkSc0YOpKkZgwdSVIzho4kqZlF/cuh43bQ6lWsO/nwcXdDkpYNr3QkSc0YOpKkZgwdSVIzho4kqRlDR5LUjKEjSWrG0JEkNWPoSJKaMXQkSc0YOpKkZgwdSVIzho4kqRlDR5LUTKpq3H1YtJLcClw+7n40sBNw87g7scC2hDHCljHOLWGMsLTHuWdV7Tyqwv/aYHqXV9XacXdioSVZt9zHuSWMEbaMcW4JY4TlO06n1yRJzRg6kqRmDJ3pnTbuDjSyJYxzSxgjbBnj3BLGCMt0nH6RQJLUjFc6kqRmDB1JUjOGzhSSPCXJ5UmuTHL8uPtzTyTZmOSiJBuSrOvL7p/kS0mu6H/eb2D7V/XjvjzJk8fX8+kleW+Sm5JcPFA253El+Y/983NlklOTpPVYpjLFGF+d5Pr+fG5I8tSBuqU4xj2S/N8klyW5JMn/6MuX27mcapzL6nzOqKp8DD2AFcBVwN7ANsAFwAHj7tc9GM9GYKehslOA4/vl44G/7ZcP6Me7LbBX/zysGPcYphjX44CDgYvvybiA84BHAQHOAg4b99hmGOOrgZeN2HapjnFX4OB++T7Ad/qxLLdzOdU4l9X5nOnhlc5oDweurKqrq+pO4KPAM8bcp/n2DOD9/fL7gWcOlH+0qn5eVdcAV9I9H4tOVX0N+PFQ8ZzGlWRXYMeqOre6f80fGNhn7KYY41SW6hhvqKpv98u3ApcBq1l+53KqcU5lSY5zJobOaKuB7w2sX8f0L47FroAvJlmf5Ni+bJequgG6fwzAA/rypT72uY5rdb88XL7Y/fckF/bTb5PTTkt+jEkmgN8HvsUyPpdD44Rlej5HMXRGGzU/upS/W/6YqjoYOAx4UZLHTbPtchv7pKnGtRTH+7+AfYA1wA3AW/ryJT3GJDsAnwD+qqpumW7TEWVLeZzL8nxOxdAZ7Tpgj4H13YHvj6kv91hVfb//eRPwKbrpshv7y3T6nzf1my/1sc91XNf1y8Pli1ZV3VhVm6vqV8A/8pvpzyU7xiRb070Rf6iqPtkXL7tzOWqcy/F8TsfQGe18YL8keyXZBjgCOHPMfbpbktw7yX0ml4H/BFxMN56j+82OBj7TL58JHJFk2yR7AfvR3bRcKuY0rn7a5tYkj+y/AXTUwD6L0uQbce9ZdOcTlugY+z69B7isqv5uoGpZncupxrnczueMxv1NhsX6AJ5K9+2Sq4ATx92fezCOvem+AXMBcMnkWIDfAb4CXNH/vP/APif2476cRfytGOAjdNMRv6D79PfCuzMuYC3dP/SrgHfQ/6WOxfCYYoxnABcBF9K9Me26xMf4B3TTQxcCG/rHU5fhuZxqnMvqfM708M/gSJKacXpNktSMoSNJasbQkSQ1Y+hIkpoxdCRJzRg6kqRmDB1JUjP/H11nHiNn4qjSAAAAAElFTkSuQmCC\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "loan1.home_ownership.value_counts().plot.barh()\n",
    "plt.title(\"Distribution of home_ownership\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "abe92f7a",
   "metadata": {},
   "source": [
    "#### People who are in mortgage agreement or in Rent are more likely to default than People who have Own Houses with Maximum number of defaults coming from people who live in rented homes."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 160,
   "id": "93d5a476",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "loan1.verification_status.value_counts().plot.barh()\n",
    "plt.title(\"Distribution of Verification Status\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "884c7673",
   "metadata": {},
   "source": [
    "#### Not Verified People are more likely to default than verified and Verified ones are more likely to default than ones Whose Source of Income is verified"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 161,
   "id": "f368c52a",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>id</th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>member_id</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>verification_status</th>\n",
       "      <th>issue_d</th>\n",
       "      <th>loan_status</th>\n",
       "      <th>addr_state</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>application_type</th>\n",
       "      <th>total_pymnt</th>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "      <th>issue_d_month</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>1077430</td>\n",
       "      <td>2500</td>\n",
       "      <td>1314167</td>\n",
       "      <td>60</td>\n",
       "      <td>15.27</td>\n",
       "      <td>59.83</td>\n",
       "      <td>RENT</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>GA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>1008.71</td>\n",
       "      <td>119.66</td>\n",
       "      <td>C</td>\n",
       "      <td>C4</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>8</th>\n",
       "      <td>1071795</td>\n",
       "      <td>5600</td>\n",
       "      <td>1306957</td>\n",
       "      <td>60</td>\n",
       "      <td>21.28</td>\n",
       "      <td>152.39</td>\n",
       "      <td>OWN</td>\n",
       "      <td>40000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>646.02</td>\n",
       "      <td>152.39</td>\n",
       "      <td>F</td>\n",
       "      <td>F2</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>9</th>\n",
       "      <td>1071570</td>\n",
       "      <td>5375</td>\n",
       "      <td>1306721</td>\n",
       "      <td>60</td>\n",
       "      <td>12.69</td>\n",
       "      <td>121.45</td>\n",
       "      <td>RENT</td>\n",
       "      <td>15000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>TX</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>1476.19</td>\n",
       "      <td>121.45</td>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>12</th>\n",
       "      <td>1064687</td>\n",
       "      <td>9000</td>\n",
       "      <td>1298717</td>\n",
       "      <td>36</td>\n",
       "      <td>13.49</td>\n",
       "      <td>305.38</td>\n",
       "      <td>RENT</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>VA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>2270.70</td>\n",
       "      <td>305.38</td>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>14</th>\n",
       "      <td>1069057</td>\n",
       "      <td>10000</td>\n",
       "      <td>1303503</td>\n",
       "      <td>36</td>\n",
       "      <td>10.65</td>\n",
       "      <td>325.74</td>\n",
       "      <td>RENT</td>\n",
       "      <td>100000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>7471.99</td>\n",
       "      <td>325.74</td>\n",
       "      <td>B</td>\n",
       "      <td>B2</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "         id  loan_amnt  member_id  term  int_rate  installment home_ownership  \\\n",
       "1   1077430       2500    1314167    60     15.27        59.83           RENT   \n",
       "8   1071795       5600    1306957    60     21.28       152.39            OWN   \n",
       "9   1071570       5375    1306721    60     12.69       121.45           RENT   \n",
       "12  1064687       9000    1298717    36     13.49       305.38           RENT   \n",
       "14  1069057      10000    1303503    36     10.65       325.74           RENT   \n",
       "\n",
       "    annual_inc verification_status issue_d  loan_status addr_state  \\\n",
       "1      30000.0     Source Verified  Dec-11  Charged Off         GA   \n",
       "8      40000.0     Source Verified  Dec-11  Charged Off         CA   \n",
       "9      15000.0            Verified  Dec-11  Charged Off         TX   \n",
       "12     30000.0     Source Verified  Dec-11  Charged Off         VA   \n",
       "14    100000.0     Source Verified  Dec-11  Charged Off         CA   \n",
       "\n",
       "    delinq_2yrs  total_rec_late_fee application_type  total_pymnt  \\\n",
       "1             0                 0.0       INDIVIDUAL      1008.71   \n",
       "8             0                 0.0       INDIVIDUAL       646.02   \n",
       "9             0                 0.0       INDIVIDUAL      1476.19   \n",
       "12            0                 0.0       INDIVIDUAL      2270.70   \n",
       "14            0                 0.0       INDIVIDUAL      7471.99   \n",
       "\n",
       "    last_pymnt_amnt grade sub_grade  issue_d_month  \n",
       "1            119.66     C        C4             12  \n",
       "8            152.39     F        F2             12  \n",
       "9            121.45     B        B5             12  \n",
       "12           305.38     C        C1             12  \n",
       "14           325.74     B        B2             12  "
      ]
     },
     "execution_count": 161,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1.head()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 162,
   "id": "a48b6208",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": "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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "loan1.grade.value_counts().plot.barh()\n",
    "plt.title(\"Distribution of Grade\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "9135fd07",
   "metadata": {},
   "source": [
    "#### Grade assigned as B has the highest default rate than all the other grades"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 163,
   "id": "61d59e23",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": "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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "loan1.application_type.value_counts().plot.barh()\n",
    "plt.title(\"Distribution of Grade\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "5960a683",
   "metadata": {},
   "source": [
    "#### All the loan defaulters are Individual Borrowers"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 164,
   "id": "ba2b10ed",
   "metadata": {
    "scrolled": true
   },
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "sns.distplot(loan1.issue_d_month)\n",
    "plt.title(\"Distribution of Issue Month\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "a7f50a6a",
   "metadata": {},
   "source": [
    "#### Maximum Loan Defaults have happened for loans issued in month of Dec"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 165,
   "id": "5dd74010",
   "metadata": {
    "scrolled": true
   },
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "sns.distplot(loan1.int_rate)\n",
    "plt.title(\"Distribution of Interest Rate\")\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 166,
   "id": "3c7cb909",
   "metadata": {
    "scrolled": true
   },
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>id</th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>member_id</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>verification_status</th>\n",
       "      <th>issue_d</th>\n",
       "      <th>loan_status</th>\n",
       "      <th>addr_state</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>application_type</th>\n",
       "      <th>total_pymnt</th>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "      <th>issue_d_month</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>1077430</td>\n",
       "      <td>2500</td>\n",
       "      <td>1314167</td>\n",
       "      <td>60</td>\n",
       "      <td>15.27</td>\n",
       "      <td>59.83</td>\n",
       "      <td>RENT</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>GA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>1008.71</td>\n",
       "      <td>119.66</td>\n",
       "      <td>C</td>\n",
       "      <td>C4</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>8</th>\n",
       "      <td>1071795</td>\n",
       "      <td>5600</td>\n",
       "      <td>1306957</td>\n",
       "      <td>60</td>\n",
       "      <td>21.28</td>\n",
       "      <td>152.39</td>\n",
       "      <td>OWN</td>\n",
       "      <td>40000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>646.02</td>\n",
       "      <td>152.39</td>\n",
       "      <td>F</td>\n",
       "      <td>F2</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>9</th>\n",
       "      <td>1071570</td>\n",
       "      <td>5375</td>\n",
       "      <td>1306721</td>\n",
       "      <td>60</td>\n",
       "      <td>12.69</td>\n",
       "      <td>121.45</td>\n",
       "      <td>RENT</td>\n",
       "      <td>15000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>TX</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>1476.19</td>\n",
       "      <td>121.45</td>\n",
       "      <td>B</td>\n",
       "      <td>B5</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>12</th>\n",
       "      <td>1064687</td>\n",
       "      <td>9000</td>\n",
       "      <td>1298717</td>\n",
       "      <td>36</td>\n",
       "      <td>13.49</td>\n",
       "      <td>305.38</td>\n",
       "      <td>RENT</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>VA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>2270.70</td>\n",
       "      <td>305.38</td>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>14</th>\n",
       "      <td>1069057</td>\n",
       "      <td>10000</td>\n",
       "      <td>1303503</td>\n",
       "      <td>36</td>\n",
       "      <td>10.65</td>\n",
       "      <td>325.74</td>\n",
       "      <td>RENT</td>\n",
       "      <td>100000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>7471.99</td>\n",
       "      <td>325.74</td>\n",
       "      <td>B</td>\n",
       "      <td>B2</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "         id  loan_amnt  member_id  term  int_rate  installment home_ownership  \\\n",
       "1   1077430       2500    1314167    60     15.27        59.83           RENT   \n",
       "8   1071795       5600    1306957    60     21.28       152.39            OWN   \n",
       "9   1071570       5375    1306721    60     12.69       121.45           RENT   \n",
       "12  1064687       9000    1298717    36     13.49       305.38           RENT   \n",
       "14  1069057      10000    1303503    36     10.65       325.74           RENT   \n",
       "\n",
       "    annual_inc verification_status issue_d  loan_status addr_state  \\\n",
       "1      30000.0     Source Verified  Dec-11  Charged Off         GA   \n",
       "8      40000.0     Source Verified  Dec-11  Charged Off         CA   \n",
       "9      15000.0            Verified  Dec-11  Charged Off         TX   \n",
       "12     30000.0     Source Verified  Dec-11  Charged Off         VA   \n",
       "14    100000.0     Source Verified  Dec-11  Charged Off         CA   \n",
       "\n",
       "    delinq_2yrs  total_rec_late_fee application_type  total_pymnt  \\\n",
       "1             0                 0.0       INDIVIDUAL      1008.71   \n",
       "8             0                 0.0       INDIVIDUAL       646.02   \n",
       "9             0                 0.0       INDIVIDUAL      1476.19   \n",
       "12            0                 0.0       INDIVIDUAL      2270.70   \n",
       "14            0                 0.0       INDIVIDUAL      7471.99   \n",
       "\n",
       "    last_pymnt_amnt grade sub_grade  issue_d_month  \n",
       "1            119.66     C        C4             12  \n",
       "8            152.39     F        F2             12  \n",
       "9            121.45     B        B5             12  \n",
       "12           305.38     C        C1             12  \n",
       "14           325.74     B        B2             12  "
      ]
     },
     "execution_count": 166,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan1.head()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "ca1a88b4",
   "metadata": {},
   "source": [
    "### Bivariate Analysis on categorical variables"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "7fdc9ecc",
   "metadata": {},
   "source": [
    "#### Now considering both the Charged Off and Paid loans and Ignoring Current loan status as it gives us no value"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 167,
   "id": "87724ca4",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/plain": [
       "(38577, 20)"
      ]
     },
     "execution_count": 167,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan2 = loan[~(loan.loan_status == 'Current')]\n",
    "loan2.shape"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 168,
   "id": "5d94f898",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
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       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>id</th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>member_id</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>home_ownership</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>verification_status</th>\n",
       "      <th>issue_d</th>\n",
       "      <th>loan_status</th>\n",
       "      <th>addr_state</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>application_type</th>\n",
       "      <th>total_pymnt</th>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <th>grade</th>\n",
       "      <th>sub_grade</th>\n",
       "      <th>issue_d_month</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>0</th>\n",
       "      <td>1077501</td>\n",
       "      <td>5000</td>\n",
       "      <td>1296599</td>\n",
       "      <td>36</td>\n",
       "      <td>10.65</td>\n",
       "      <td>162.87</td>\n",
       "      <td>RENT</td>\n",
       "      <td>24000.0</td>\n",
       "      <td>Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Fully Paid</td>\n",
       "      <td>AZ</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>5863.155187</td>\n",
       "      <td>171.62</td>\n",
       "      <td>B</td>\n",
       "      <td>B2</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>1</th>\n",
       "      <td>1077430</td>\n",
       "      <td>2500</td>\n",
       "      <td>1314167</td>\n",
       "      <td>60</td>\n",
       "      <td>15.27</td>\n",
       "      <td>59.83</td>\n",
       "      <td>RENT</td>\n",
       "      <td>30000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Charged Off</td>\n",
       "      <td>GA</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>1008.710000</td>\n",
       "      <td>119.66</td>\n",
       "      <td>C</td>\n",
       "      <td>C4</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>2</th>\n",
       "      <td>1077175</td>\n",
       "      <td>2400</td>\n",
       "      <td>1313524</td>\n",
       "      <td>36</td>\n",
       "      <td>15.96</td>\n",
       "      <td>84.33</td>\n",
       "      <td>RENT</td>\n",
       "      <td>12252.0</td>\n",
       "      <td>Not Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Fully Paid</td>\n",
       "      <td>IL</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>3005.666844</td>\n",
       "      <td>649.91</td>\n",
       "      <td>C</td>\n",
       "      <td>C5</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>3</th>\n",
       "      <td>1076863</td>\n",
       "      <td>10000</td>\n",
       "      <td>1277178</td>\n",
       "      <td>36</td>\n",
       "      <td>13.49</td>\n",
       "      <td>339.31</td>\n",
       "      <td>RENT</td>\n",
       "      <td>49200.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Fully Paid</td>\n",
       "      <td>CA</td>\n",
       "      <td>0</td>\n",
       "      <td>16.97</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>12231.890000</td>\n",
       "      <td>357.48</td>\n",
       "      <td>C</td>\n",
       "      <td>C1</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>5</th>\n",
       "      <td>1075269</td>\n",
       "      <td>5000</td>\n",
       "      <td>1311441</td>\n",
       "      <td>36</td>\n",
       "      <td>7.90</td>\n",
       "      <td>156.46</td>\n",
       "      <td>RENT</td>\n",
       "      <td>36000.0</td>\n",
       "      <td>Source Verified</td>\n",
       "      <td>Dec-11</td>\n",
       "      <td>Fully Paid</td>\n",
       "      <td>AZ</td>\n",
       "      <td>0</td>\n",
       "      <td>0.00</td>\n",
       "      <td>INDIVIDUAL</td>\n",
       "      <td>5632.210000</td>\n",
       "      <td>161.03</td>\n",
       "      <td>A</td>\n",
       "      <td>A4</td>\n",
       "      <td>12</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "        id  loan_amnt  member_id  term  int_rate  installment home_ownership  \\\n",
       "0  1077501       5000    1296599    36     10.65       162.87           RENT   \n",
       "1  1077430       2500    1314167    60     15.27        59.83           RENT   \n",
       "2  1077175       2400    1313524    36     15.96        84.33           RENT   \n",
       "3  1076863      10000    1277178    36     13.49       339.31           RENT   \n",
       "5  1075269       5000    1311441    36      7.90       156.46           RENT   \n",
       "\n",
       "   annual_inc verification_status issue_d  loan_status addr_state  \\\n",
       "0     24000.0            Verified  Dec-11   Fully Paid         AZ   \n",
       "1     30000.0     Source Verified  Dec-11  Charged Off         GA   \n",
       "2     12252.0        Not Verified  Dec-11   Fully Paid         IL   \n",
       "3     49200.0     Source Verified  Dec-11   Fully Paid         CA   \n",
       "5     36000.0     Source Verified  Dec-11   Fully Paid         AZ   \n",
       "\n",
       "   delinq_2yrs  total_rec_late_fee application_type   total_pymnt  \\\n",
       "0            0                0.00       INDIVIDUAL   5863.155187   \n",
       "1            0                0.00       INDIVIDUAL   1008.710000   \n",
       "2            0                0.00       INDIVIDUAL   3005.666844   \n",
       "3            0               16.97       INDIVIDUAL  12231.890000   \n",
       "5            0                0.00       INDIVIDUAL   5632.210000   \n",
       "\n",
       "   last_pymnt_amnt grade sub_grade  issue_d_month  \n",
       "0           171.62     B        B2             12  \n",
       "1           119.66     C        C4             12  \n",
       "2           649.91     C        C5             12  \n",
       "3           357.48     C        C1             12  \n",
       "5           161.03     A        A4             12  "
      ]
     },
     "execution_count": 168,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan2.head()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "355cb817",
   "metadata": {},
   "source": [
    "#### Converting Fully Paid to 0 and Charged Off to 1 so that we can carry out analysis easily"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 169,
   "id": "d7891735",
   "metadata": {},
   "outputs": [],
   "source": [
    "loan2.loan_status = loan2.loan_status.apply(lambda x: 0 if x=='Fully Paid' else 1)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 170,
   "id": "96ca6db6",
   "metadata": {
    "scrolled": true
   },
   "outputs": [],
   "source": [
    "pv = loan2.pivot_table(values = ['loan_status'], index = ['home_ownership'], columns = ['verification_status'], aggfunc=np.sum)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 171,
   "id": "b1db6a50",
   "metadata": {
    "scrolled": false
   },
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
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       "\n",
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       "\n",
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       "\n",
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       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr>\n",
       "      <th></th>\n",
       "      <th colspan=\"3\" halign=\"left\">loan_status</th>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>verification_status</th>\n",
       "      <th>Not Verified</th>\n",
       "      <th>Source Verified</th>\n",
       "      <th>Verified</th>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>home_ownership</th>\n",
       "      <th></th>\n",
       "      <th></th>\n",
       "      <th></th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>MORTGAGE</th>\n",
       "      <td>836.0</td>\n",
       "      <td>489.0</td>\n",
       "      <td>1002.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>NONE</th>\n",
       "      <td>0.0</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>OTHER</th>\n",
       "      <td>10.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>7.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>OWN</th>\n",
       "      <td>187.0</td>\n",
       "      <td>117.0</td>\n",
       "      <td>139.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>RENT</th>\n",
       "      <td>1109.0</td>\n",
       "      <td>827.0</td>\n",
       "      <td>903.0</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "                     loan_status                         \n",
       "verification_status Not Verified Source Verified Verified\n",
       "home_ownership                                           \n",
       "MORTGAGE                   836.0           489.0   1002.0\n",
       "NONE                         0.0             NaN      NaN\n",
       "OTHER                       10.0             1.0      7.0\n",
       "OWN                        187.0           117.0    139.0\n",
       "RENT                      1109.0           827.0    903.0"
      ]
     },
     "execution_count": 171,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "pv"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "eaabaf24",
   "metadata": {},
   "source": [
    "#### Mortgage-Verified and Rent-Not Verified are the most defaulting categories, Though Mortage Verified is a Peculiar Category."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 172,
   "id": "d6a8da88",
   "metadata": {
    "scrolled": true
   },
   "outputs": [],
   "source": [
    "pv = loan2.pivot_table(values = ['loan_status'], index = ['home_ownership'], columns = ['grade'], aggfunc=np.sum)"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 173,
   "id": "3a25b23d",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
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       "\n",
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       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr>\n",
       "      <th></th>\n",
       "      <th colspan=\"7\" halign=\"left\">loan_status</th>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>grade</th>\n",
       "      <th>A</th>\n",
       "      <th>B</th>\n",
       "      <th>C</th>\n",
       "      <th>D</th>\n",
       "      <th>E</th>\n",
       "      <th>F</th>\n",
       "      <th>G</th>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>home_ownership</th>\n",
       "      <th></th>\n",
       "      <th></th>\n",
       "      <th></th>\n",
       "      <th></th>\n",
       "      <th></th>\n",
       "      <th></th>\n",
       "      <th></th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>MORTGAGE</th>\n",
       "      <td>266.0</td>\n",
       "      <td>594.0</td>\n",
       "      <td>541.0</td>\n",
       "      <td>429.0</td>\n",
       "      <td>306.0</td>\n",
       "      <td>149.0</td>\n",
       "      <td>42.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>NONE</th>\n",
       "      <td>0.0</td>\n",
       "      <td>0.0</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "      <td>NaN</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>OTHER</th>\n",
       "      <td>2.0</td>\n",
       "      <td>6.0</td>\n",
       "      <td>2.0</td>\n",
       "      <td>5.0</td>\n",
       "      <td>2.0</td>\n",
       "      <td>1.0</td>\n",
       "      <td>NaN</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>OWN</th>\n",
       "      <td>52.0</td>\n",
       "      <td>115.0</td>\n",
       "      <td>109.0</td>\n",
       "      <td>82.0</td>\n",
       "      <td>51.0</td>\n",
       "      <td>23.0</td>\n",
       "      <td>11.0</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>RENT</th>\n",
       "      <td>282.0</td>\n",
       "      <td>710.0</td>\n",
       "      <td>695.0</td>\n",
       "      <td>602.0</td>\n",
       "      <td>356.0</td>\n",
       "      <td>146.0</td>\n",
       "      <td>48.0</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "               loan_status                                         \n",
       "grade                    A      B      C      D      E      F     G\n",
       "home_ownership                                                     \n",
       "MORTGAGE             266.0  594.0  541.0  429.0  306.0  149.0  42.0\n",
       "NONE                   0.0    0.0    NaN    NaN    NaN    NaN   NaN\n",
       "OTHER                  2.0    6.0    2.0    5.0    2.0    1.0   NaN\n",
       "OWN                   52.0  115.0  109.0   82.0   51.0   23.0  11.0\n",
       "RENT                 282.0  710.0  695.0  602.0  356.0  146.0  48.0"
      ]
     },
     "execution_count": 173,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "pv"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "70f4b165",
   "metadata": {},
   "source": [
    "#### People who are staying in Rented homes and have grades B, C and D are more likely to default. Same applies for people staying in mortgage homes."
   ]
  },
  {
   "cell_type": "markdown",
   "id": "87745892",
   "metadata": {},
   "source": [
    "###  Segmented Univariate Anaylysis"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 174,
   "id": "bebfd8fe",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": "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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "# Ignoring Current Customers for further Analysis as they give us no meaning full insights.\n",
    "sns.barplot(data=loan[loan.loan_status!='Current'], x= 'loan_status', y='annual_inc')\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "dd06fc59",
   "metadata": {},
   "source": [
    "#### From this we see that the people who are Charged Off have less overall annual income. "
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 175,
   "id": "b58923b5",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": "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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "sns.barplot(data=loan[loan.loan_status!='Current'], x= 'loan_status', y='int_rate')\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "c2c9fcec",
   "metadata": {},
   "source": [
    "#### The interest rate of Charged Off customers is more than that off Fully paid. Therefore it can be said that high interest rate loans are more likely to default."
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 176,
   "id": "7f4a2678",
   "metadata": {
    "scrolled": true
   },
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "sns.barplot(data=loan[loan.loan_status!='Current'], x= 'loan_status', y='installment')\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "6b983073",
   "metadata": {},
   "source": [
    "#### A similar kind of Analysis as above can be inferred"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 177,
   "id": "01164d66",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "sns.barplot(data=loan[loan.loan_status!='Current'], x= 'loan_status', y='total_pymnt')\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "e4c0f3cc",
   "metadata": {},
   "source": [
    "#### Default loans receive less amount of money in terms of loan repayments, nearly half than that of fully paid"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "a6c5ae9f",
   "metadata": {},
   "source": [
    "### Bivariate analysis on continous variables"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 178,
   "id": "18fc7376",
   "metadata": {},
   "outputs": [],
   "source": [
    "# Dropping member_id and id columns for plotting a correlation matrix so that it is simple and easy to understand\n",
    "loan3 = loan1.drop(columns=['id','member_id'])"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 179,
   "id": "7e69641b",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "text/html": [
       "<div>\n",
       "<style scoped>\n",
       "    .dataframe tbody tr th:only-of-type {\n",
       "        vertical-align: middle;\n",
       "    }\n",
       "\n",
       "    .dataframe tbody tr th {\n",
       "        vertical-align: top;\n",
       "    }\n",
       "\n",
       "    .dataframe thead th {\n",
       "        text-align: right;\n",
       "    }\n",
       "</style>\n",
       "<table border=\"1\" class=\"dataframe\">\n",
       "  <thead>\n",
       "    <tr style=\"text-align: right;\">\n",
       "      <th></th>\n",
       "      <th>loan_amnt</th>\n",
       "      <th>term</th>\n",
       "      <th>int_rate</th>\n",
       "      <th>installment</th>\n",
       "      <th>annual_inc</th>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <th>total_pymnt</th>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <th>issue_d_month</th>\n",
       "    </tr>\n",
       "  </thead>\n",
       "  <tbody>\n",
       "    <tr>\n",
       "      <th>loan_amnt</th>\n",
       "      <td>1.000000</td>\n",
       "      <td>0.374624</td>\n",
       "      <td>0.309507</td>\n",
       "      <td>0.918214</td>\n",
       "      <td>0.315718</td>\n",
       "      <td>-0.040833</td>\n",
       "      <td>0.054392</td>\n",
       "      <td>0.656817</td>\n",
       "      <td>0.552708</td>\n",
       "      <td>0.048815</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>term</th>\n",
       "      <td>0.374624</td>\n",
       "      <td>1.000000</td>\n",
       "      <td>0.447833</td>\n",
       "      <td>0.098396</td>\n",
       "      <td>0.060647</td>\n",
       "      <td>-0.015131</td>\n",
       "      <td>-0.050060</td>\n",
       "      <td>0.255863</td>\n",
       "      <td>0.021251</td>\n",
       "      <td>0.057626</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>int_rate</th>\n",
       "      <td>0.309507</td>\n",
       "      <td>0.447833</td>\n",
       "      <td>1.000000</td>\n",
       "      <td>0.281476</td>\n",
       "      <td>0.100461</td>\n",
       "      <td>0.119633</td>\n",
       "      <td>0.027247</td>\n",
       "      <td>0.223431</td>\n",
       "      <td>0.153211</td>\n",
       "      <td>0.067301</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>installment</th>\n",
       "      <td>0.918214</td>\n",
       "      <td>0.098396</td>\n",
       "      <td>0.281476</td>\n",
       "      <td>1.000000</td>\n",
       "      <td>0.323135</td>\n",
       "      <td>-0.020694</td>\n",
       "      <td>0.093413</td>\n",
       "      <td>0.632486</td>\n",
       "      <td>0.618982</td>\n",
       "      <td>0.029544</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>annual_inc</th>\n",
       "      <td>0.315718</td>\n",
       "      <td>0.060647</td>\n",
       "      <td>0.100461</td>\n",
       "      <td>0.323135</td>\n",
       "      <td>1.000000</td>\n",
       "      <td>0.018523</td>\n",
       "      <td>0.047129</td>\n",
       "      <td>0.244436</td>\n",
       "      <td>0.210856</td>\n",
       "      <td>0.000740</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>delinq_2yrs</th>\n",
       "      <td>-0.040833</td>\n",
       "      <td>-0.015131</td>\n",
       "      <td>0.119633</td>\n",
       "      <td>-0.020694</td>\n",
       "      <td>0.018523</td>\n",
       "      <td>1.000000</td>\n",
       "      <td>0.031328</td>\n",
       "      <td>-0.017900</td>\n",
       "      <td>-0.002434</td>\n",
       "      <td>-0.017620</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>total_rec_late_fee</th>\n",
       "      <td>0.054392</td>\n",
       "      <td>-0.050060</td>\n",
       "      <td>0.027247</td>\n",
       "      <td>0.093413</td>\n",
       "      <td>0.047129</td>\n",
       "      <td>0.031328</td>\n",
       "      <td>1.000000</td>\n",
       "      <td>0.128799</td>\n",
       "      <td>0.184867</td>\n",
       "      <td>-0.022816</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>total_pymnt</th>\n",
       "      <td>0.656817</td>\n",
       "      <td>0.255863</td>\n",
       "      <td>0.223431</td>\n",
       "      <td>0.632486</td>\n",
       "      <td>0.244436</td>\n",
       "      <td>-0.017900</td>\n",
       "      <td>0.128799</td>\n",
       "      <td>1.000000</td>\n",
       "      <td>0.355609</td>\n",
       "      <td>0.034667</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>last_pymnt_amnt</th>\n",
       "      <td>0.552708</td>\n",
       "      <td>0.021251</td>\n",
       "      <td>0.153211</td>\n",
       "      <td>0.618982</td>\n",
       "      <td>0.210856</td>\n",
       "      <td>-0.002434</td>\n",
       "      <td>0.184867</td>\n",
       "      <td>0.355609</td>\n",
       "      <td>1.000000</td>\n",
       "      <td>0.043237</td>\n",
       "    </tr>\n",
       "    <tr>\n",
       "      <th>issue_d_month</th>\n",
       "      <td>0.048815</td>\n",
       "      <td>0.057626</td>\n",
       "      <td>0.067301</td>\n",
       "      <td>0.029544</td>\n",
       "      <td>0.000740</td>\n",
       "      <td>-0.017620</td>\n",
       "      <td>-0.022816</td>\n",
       "      <td>0.034667</td>\n",
       "      <td>0.043237</td>\n",
       "      <td>1.000000</td>\n",
       "    </tr>\n",
       "  </tbody>\n",
       "</table>\n",
       "</div>"
      ],
      "text/plain": [
       "                    loan_amnt      term  int_rate  installment  annual_inc  \\\n",
       "loan_amnt            1.000000  0.374624  0.309507     0.918214    0.315718   \n",
       "term                 0.374624  1.000000  0.447833     0.098396    0.060647   \n",
       "int_rate             0.309507  0.447833  1.000000     0.281476    0.100461   \n",
       "installment          0.918214  0.098396  0.281476     1.000000    0.323135   \n",
       "annual_inc           0.315718  0.060647  0.100461     0.323135    1.000000   \n",
       "delinq_2yrs         -0.040833 -0.015131  0.119633    -0.020694    0.018523   \n",
       "total_rec_late_fee   0.054392 -0.050060  0.027247     0.093413    0.047129   \n",
       "total_pymnt          0.656817  0.255863  0.223431     0.632486    0.244436   \n",
       "last_pymnt_amnt      0.552708  0.021251  0.153211     0.618982    0.210856   \n",
       "issue_d_month        0.048815  0.057626  0.067301     0.029544    0.000740   \n",
       "\n",
       "                    delinq_2yrs  total_rec_late_fee  total_pymnt  \\\n",
       "loan_amnt             -0.040833            0.054392     0.656817   \n",
       "term                  -0.015131           -0.050060     0.255863   \n",
       "int_rate               0.119633            0.027247     0.223431   \n",
       "installment           -0.020694            0.093413     0.632486   \n",
       "annual_inc             0.018523            0.047129     0.244436   \n",
       "delinq_2yrs            1.000000            0.031328    -0.017900   \n",
       "total_rec_late_fee     0.031328            1.000000     0.128799   \n",
       "total_pymnt           -0.017900            0.128799     1.000000   \n",
       "last_pymnt_amnt       -0.002434            0.184867     0.355609   \n",
       "issue_d_month         -0.017620           -0.022816     0.034667   \n",
       "\n",
       "                    last_pymnt_amnt  issue_d_month  \n",
       "loan_amnt                  0.552708       0.048815  \n",
       "term                       0.021251       0.057626  \n",
       "int_rate                   0.153211       0.067301  \n",
       "installment                0.618982       0.029544  \n",
       "annual_inc                 0.210856       0.000740  \n",
       "delinq_2yrs               -0.002434      -0.017620  \n",
       "total_rec_late_fee         0.184867      -0.022816  \n",
       "total_pymnt                0.355609       0.034667  \n",
       "last_pymnt_amnt            1.000000       0.043237  \n",
       "issue_d_month              0.043237       1.000000  "
      ]
     },
     "execution_count": 179,
     "metadata": {},
     "output_type": "execute_result"
    }
   ],
   "source": [
    "loan3.corr()"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 180,
   "id": "db8b6a0b",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 1152x648 with 2 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "plt.figure(figsize=(16,9))\n",
    "sns.heatmap(loan3.corr(), annot = True)\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "321d3984",
   "metadata": {},
   "source": [
    "#### There is a high correlation between installment and loan_amnt, plotting the graph for same we get"
   ]
  },
  {
   "cell_type": "code",
   "execution_count": 181,
   "id": "41e8f673",
   "metadata": {},
   "outputs": [
    {
     "data": {
      "image/png": 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\n",
      "text/plain": [
       "<Figure size 432x288 with 1 Axes>"
      ]
     },
     "metadata": {
      "needs_background": "light"
     },
     "output_type": "display_data"
    }
   ],
   "source": [
    "# Bivariate Analysis\n",
    "sns.scatterplot(loan3.loan_amnt, loan3.installment)\n",
    "plt.show()"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "dd2ff454",
   "metadata": {},
   "source": [
    "#### We see that as loan_amnt increases, the monthly installment also increases, and people often tend to take hefty loans and fail to pay their monthly installment and default on loan."
   ]
  },
  {
   "cell_type": "markdown",
   "id": "1319d099",
   "metadata": {},
   "source": [
    "### Conclusions"
   ]
  },
  {
   "cell_type": "markdown",
   "id": "bf2ae8d4",
   "metadata": {},
   "source": [
    "*  loan is usually borrowed in 5k intervals by more number of people, spikes at 5k intervals say so.\n",
    "*  people whose term is 36 months are more likely to default than those who have term as 60 months\n",
    "*  People who are in mortgage agreement or in Rent are more likely to default than People who have Own Houses with Maximum number of defaults coming from people who live in Rented homes.\n",
    "*  not verified people are more likely to default than verified and verified ones are more likely to default than ones whose source of income is verified\n",
    "*  Grades B,C and D account for most number of defualts.\n",
    "*  Mortgage-Verified and Rent-Not Verified are the most defaulting categories, though Mortage-Verified is a peculiar category, indicating that it might be possible that verification is not done properly for Mortgage customers.\n",
    "*  People who are staying in rented homes and have grades B, C and D are more likely to default. Same applies for people staying in mortgage homes.\n",
    "*  The people who are Charged Off have least overall annual income.\n",
    "*  The interest rate of Charged Off customers is more than that off Fully paid(ignoring the Current Segment). Therefore it can be said that high interest rate loans are more likely to default. The same trend can be seen for monthly installment as well.\n",
    "*  We see that as loan_amnt increases, the monthly installment also increases, and people often tend to take hefty loans and fail to pay their monthly installment and default on loan."
   ]
  },
  {
   "cell_type": "markdown",
   "id": "f984bf62",
   "metadata": {},
   "source": [
    "### Variables affecting loan default"
   ]
  },
  {
   "cell_type": "markdown",
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    "1. term\n",
    "2. home ownership\n",
    "3. verification status\n",
    "4. grades assigned to loan\n",
    "5. annual income\n",
    "6. interest rate\n",
    "7. Combination of home ownership and verification status"
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   "id": "6bd7bd57",
   "metadata": {},
   "outputs": [],
   "source": []
  }
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