In [15]:

# Import necessary packages
import h2o
from h2o.estimators.gbm import H2OGradientBoostingEstimator
from h2o.estimators.glm import H2OGeneralizedLinearEstimator

In [16]:

# Initialize instance of H2O
h2o.init()

H2O cluster uptime:	1 days 23 hours 13 minutes 6 seconds 497 milliseconds
H2O cluster version:	3.8.3.2
H2O cluster name:	H2O_started_from_python_avniwadhwa_lrw267
H2O cluster total nodes:	1
H2O cluster total free memory:	2.8 GB
H2O cluster total cores:	8
H2O cluster allowed cores:	8
H2O cluster healthy:	True
H2O Connection ip:	127.0.0.1
H2O Connection port:	54321
H2O Connection proxy:	None
Python Version:	2.7.10

In [17]:

# If possible download from the s3 link and change the path to the dataset
path = "http://h2o-public-test-data.s3.amazonaws.com/bigdata/laptop/lending-club/LoanStats3a.csv"

In [18]:

# Specify some column types to "String" that we want to munge later
types = {"int_rate":"string", "revol_util":"string", "emp_length":"string", 
         "earliest_cr_line":"string", "issue_d":"string", "last_credit_pull_d":"factor", "verification_status":"string"}

In [19]:

# Task 1: Import the file and look at the frame
data = h2o.import_file(path=path, col_types= types)
data.describe()

Parse Progress: [##################################################] 100%
Rows:42,538 Cols:52

Chunk compression summary:

chunk_type	chunk_name	count	count_percentage	size	size_percentage
C0L	Constant Integers	167	10.0360580	13.0 KB	0.1296856
CBS	Bits	22	1.3221154	5.3 KB	0.0523596
CX0	Zero Sparse Bits	10	0.6009615	1.5 KB	0.0146576
CXI	Zero Sparse Integers	106	6.3701920	48.0 KB	0.4775846
C1	1-Byte Integers	40	2.4038462	51.7 KB	0.5138888
C1N	1-Byte Integers (w/o NAs)	371	22.2956732	509.1 KB	5.0605815
C2	2-Byte Integers	164	9.8557696	429.1 KB	4.2652965
C2S	2-Byte Fractions	60	3.6057692	168.3 KB	1.6727109
C4	4-Byte Integers	96	5.7692308	504.9 KB	5.0183658
C4S	4-Byte Fractions	209	12.5600964	1.1 MB	11.0504918
CStr	String	224	13.4615391	6.2 MB	63.5759711
CXD	Zero Sparse Reals	126	7.5721152	133.7 KB	1.3292189
CUD	Unique Reals	5	0.3004808	19.1 KB	0.1902767
C8D	64-bit Reals	64	3.8461540	668.9 KB	6.6489093

Frame distribution summary:

	size	number_of_rows	number_of_chunks_per_column	number_of_chunks
127.0.0.1:54321	9.8 MB	42538.0	32.0	1664.0
mean	9.8 MB	42538.0	32.0	1664.0
min	9.8 MB	42538.0	32.0	1664.0
max	9.8 MB	42538.0	32.0	1664.0
stddev	0 B	0.0	0.0	0.0
total	9.8 MB	42538.0	32.0	1664.0

	id	member_id	loan_amnt	funded_amnt	funded_amnt_inv	term	int_rate	installment	grade	sub_grade	emp_title	emp_length	home_ownership	annual_inc	verification_status	issue_d	loan_status	pymnt_plan	url	desc	purpose	title	zip_code	addr_state	dti	delinq_2yrs	earliest_cr_line	inq_last_6mths	mths_since_last_delinq	mths_since_last_record	open_acc	pub_rec	revol_bal	revol_util	total_acc	initial_list_status	out_prncp	out_prncp_inv	total_pymnt	total_pymnt_inv	total_rec_prncp	total_rec_int	total_rec_late_fee	recoveries	collection_recovery_fee	last_pymnt_d	last_pymnt_amnt	next_pymnt_d	last_credit_pull_d	collections_12_mths_ex_med	mths_since_last_major_derog	policy_code
type	int	int	int	int	real	enum	string	real	enum	enum	enum	string	enum	real	string	string	enum	enum	string	enum	enum	enum	enum	enum	real	int	string	int	enum	enum	int	int	int	string	int	enum	real	real	real	real	real	real	real	real	real	enum	real	enum	enum	int	enum	int
mins	54734.0	70473.0	500.0	500.0	0.0	0.0	NaN	15.67	0.0	0.0	0.0	NaN	0.0	1896.0	NaN	NaN	0.0	0.0	NaN	0.0	0.0	0.0	0.0	0.0	0.0	0.0	NaN	0.0	0.0	0.0	1.0	0.0	0.0	NaN	1.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.0
mean	664579.85231	825702.55117	11089.7225814	10821.5857529	10139.8306012	0.258634066063	NaN	322.625618667	NaN	NaN	NaN	NaN	NaN	69136.5564203	NaN	NaN	NaN	0.00014106030328	NaN	NaN	NaN	NaN	NaN	NaN	13.3730431409	0.152449066014	NaN	1.08142379899	NaN	NaN	9.34395144215	0.0581564955536	14297.8609145	NaN	22.1244059662	0.0	329.411123545	327.08996544	11651.753137	10948.5801657	9368.08058187	2209.04911203	1.45873268638	73.164719007	9.07681827201	NaN	2552.60725685	NaN	NaN	0.0	0.0	1.0
maxs	1077501.0	1314167.0	35000.0	35000.0	35000.0	1.0	NaN	1305.19	6.0	34.0	30660.0	NaN	4.0	6000000.0	NaN	NaN	10.0	1.0	NaN	28964.0	13.0	21267.0	836.0	49.0	29.99	13.0	NaN	33.0	95.0	113.0	47.0	5.0	1207359.0	NaN	90.0	0.0	17749.51	17749.51	56809.0516288	56475.05	35000.03	21809.05	208.819529958	29623.35	7002.19	91.0	36115.2	93.0	97.0	0.0	0.0	1.0
sigma	219302.219319	279540.905635	7410.93839055	7146.91467501	7131.68644868	0.437889248459	NaN	208.928069	NaN	NaN	NaN	NaN	NaN	64096.3497189	NaN	NaN	NaN	0.0118761829396	NaN	NaN	NaN	NaN	NaN	NaN	6.72631490173	0.512406485017	NaN	1.5274548353	NaN	NaN	4.49627387569	0.245713140651	22018.4410097	NaN	11.5928113373	0.0	1417.54568613	1409.61373349	8555.46989933	8486.98039403	6777.11981861	2502.52824092	7.57275617593	612.26018535	149.086823026	NaN	4380.38476617	NaN	NaN	0.0	0.0	0.0
zeros	0	0	0	0	233	31534	0	0	10183	1142	2618	0	18959	0	0	0	5435	42529	0	13292	1615	10	1	86	206	37771	0	19657	26926	38884	0	40130	1119	0	0	42535	38972	38972	26	304	86	83	40214	38357	39033	83	95	36278	4	42390	42535	0
missing	3	3	3	3	3	3	3	3	3	3	3	3	3	7	3	3	3	3	3	3	3	3	3	3	3	32	3	32	3	3	32	32	3	3	32	3	3	3	3	3	3	3	3	3	3	3	3	3	3	148	3	3
0	1077501.0	1296599.0	5000.0	5000.0	4975.0	36 months	10.65%	162.87	B	B2		10+ years	RENT	24000.0	VERIFIED - income	Dec-2011	Fully Paid	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1077501	Borrower added on 12/22/11 > I need to upgrade my business technologies.	credit_card	Computer	860xx	AZ	27.65	0.0	Jan-1985	1.0			3.0	0.0	13648.0	83.7%	9.0	f	0.0	0.0	5861.07141425	5831.78	5000.0	861.07	0.0	0.0	0.0	Jan-2015	171.62		Jan-2015	0.0		1.0
1	1077430.0	1314167.0	2500.0	2500.0	2500.0	60 months	15.27%	59.83	C	C4	Ryder	< 1 year	RENT	30000.0	VERIFIED - income source	Dec-2011	Charged Off	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1077430	Borrower added on 12/22/11 > I plan to use this money to finance the motorcycle i am looking at. I plan to have it paid off as soon as possible/when i sell my old bike. I only need this money because the deal im looking at is to good to pass up. Borrower added on 12/22/11 > I plan to use this money to finance the motorcycle i am looking at. I plan to have it paid off as soon as possible/when i sell my old bike.I only need this money because the deal im looking at is to good to pass up. I have finished college with an associates degree in business and its takingmeplaces	car	bike	309xx	GA	1.0	0.0	Apr-1999	5.0			3.0	0.0	1687.0	9.4%	4.0	f	0.0	0.0	1008.71	1008.71	456.46	435.17	0.0	117.08	1.11	Apr-2013	119.66		Sep-2013	0.0		1.0
2	1077175.0	1313524.0	2400.0	2400.0	2400.0	36 months	15.96%	84.33	C	C5		10+ years	RENT	12252.0	not verified	Dec-2011	Fully Paid	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1077175		small_business	real estate business	606xx	IL	8.72	0.0	Nov-2001	2.0			2.0	0.0	2956.0	98.5%	10.0	f	0.0	0.0	3003.65364445	3003.65	2400.0	603.65	0.0	0.0	0.0	Jun-2014	649.91		Jun-2015	0.0		1.0
3	1076863.0	1277178.0	10000.0	10000.0	10000.0	36 months	13.49%	339.31	C	C1	AIR RESOURCES BOARD	10+ years	RENT	49200.0	VERIFIED - income source	Dec-2011	Fully Paid	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1076863	Borrower added on 12/21/11 > to pay for property tax (borrow from friend, need to pay back) & central A/C need to be replace. I'm very sorry to let my loan expired last time.	other	personel	917xx	CA	20.0	0.0	Feb-1996	1.0	35		10.0	0.0	5598.0	21%	37.0	f	0.0	0.0	12226.3022123	12226.3	10000.0	2209.33	16.97	0.0	0.0	Jan-2015	357.48		Jan-2015	0.0		1.0
4	1075358.0	1311748.0	3000.0	3000.0	3000.0	60 months	12.69%	67.79	B	B5	University Medical Group	1 year	RENT	80000.0	VERIFIED - income source	Dec-2011	Current	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1075358	Borrower added on 12/21/11 > I plan on combining three large interest bills together and freeing up some extra each month to pay toward other bills. I've always been a good payor but have found myself needing to make adjustments to my budget due to a medical scare. My job is very stable, I love it.	other	Personal	972xx	OR	17.94	0.0	Jan-1996	0.0	38		15.0	0.0	27783.0	53.9%	38.0	f	1168.04	1168.04	2767.64	2767.64	1831.96	935.68	0.0	0.0	0.0	Jun-2015	67.79	Jul-2015	Jun-2015	0.0		1.0
5	1075269.0	1311441.0	5000.0	5000.0	5000.0	36 months	7.90%	156.46	A	A4	Veolia Transportaton	3 years	RENT	36000.0	VERIFIED - income source	Dec-2011	Fully Paid	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1075269		wedding	My wedding loan I promise to pay back	852xx	AZ	11.2	0.0	Nov-2004	3.0			9.0	0.0	7963.0	28.3%	12.0	f	0.0	0.0	5631.37775318	5631.38	5000.0	631.38	0.0	0.0	0.0	Jan-2015	161.03		Jun-2015	0.0		1.0
6	1069639.0	1304742.0	7000.0	7000.0	7000.0	60 months	15.96%	170.08	C	C5	Southern Star Photography	8 years	RENT	47004.0	not verified	Dec-2011	Current	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1069639	Borrower added on 12/18/11 > I am planning on using the funds to pay off two retail credit cards with 24.99% interest rates, as well as a major bank credit card with a 18.99% rate. I pay all my bills on time, looking for a lower combined payment and lower monthly payment.	debt_consolidation	Loan	280xx	NC	23.51	0.0	Jul-2005	1.0			7.0	0.0	17726.0	85.6%	11.0	f	2853.21	2853.21	6946.28	6946.28	4146.8	2799.48	0.0	0.0	0.0	Jun-2015	170.08	Aug-2015	Jun-2015	0.0		1.0
7	1072053.0	1288686.0	3000.0	3000.0	3000.0	36 months	18.64%	109.43	E	E1	MKC Accounting	9 years	RENT	48000.0	VERIFIED - income source	Dec-2011	Fully Paid	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1072053	Borrower added on 12/16/11 > Downpayment for a car.	car	Car Downpayment	900xx	CA	5.35	0.0	Jan-2007	2.0			4.0	0.0	8221.0	87.5%	4.0	f	0.0	0.0	3938.14433376	3938.14	3000.0	938.14	0.0	0.0	0.0	Jan-2015	111.34		Dec-2014	0.0		1.0
8	1071795.0	1306957.0	5600.0	5600.0	5600.0	60 months	21.28%	152.39	F	F2		4 years	OWN	40000.0	VERIFIED - income source	Dec-2011	Charged Off	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1071795	Borrower added on 12/21/11 > I own a small home-based judgment collection business. I have 5 years experience collecting debts. I am now going from a home office to a small office. I also plan to buy a small debt portfolio (eg. $10K for $1M of debt) My score is not A+ because I own my home and have no mortgage.	small_business	Expand Business & Buy Debt Portfolio	958xx	CA	5.55	0.0	Apr-2004	2.0			11.0	0.0	5210.0	32.6%	13.0	f	0.0	0.0	646.02	646.02	162.02	294.94	0.0	189.06	2.09	Apr-2012	152.39		Aug-2012	0.0		1.0
9	1071570.0	1306721.0	5375.0	5375.0	5350.0	60 months	12.69%	121.45	B	B5	Starbucks	< 1 year	RENT	15000.0	VERIFIED - income	Dec-2011	Charged Off	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1071570	Borrower added on 12/16/11 > I'm trying to build up my credit history. I live with my brother and have no car payment or credit cards. I am in community college and work full time. Im going to use the money to make some repairs around the house and get some maintenance done on my car. Borrower added on 12/20/11 > $1000 down only $4375 to go. Thanks to everyone that invested so far, looking forward to surprising my brother with the fixes around the house.	other	Building my credit history.	774xx	TX	18.08	0.0	Sep-2004	0.0			2.0	0.0	9279.0	36.5%	3.0	f	0.0	0.0	1476.19	1469.34	673.48	533.42	0.0	269.29	2.52	Nov-2012	121.45		Mar-2013	0.0		1.0

In [20]:

# Task 2: Look at the levels int he response column, "loan_status"
# Hint: Use .table() function on the response column

loan_status	Count
Charged Off	5435
Current	3351
Default	7
Does not meet the credit policy. Status:Charged Off	761
Does not meet the credit policy. Status:Current	53
Does not meet the credit policy. Status:Fully Paid	1933
Does not meet the credit policy. Status:In Grace Period	2
Fully Paid	30843
In Grace Period	60
Late (16-30 days)	16

Out[20]:

In [21]:

# Task 3: Drop all loans that are still in progess and therefore cannot be deemed good/bad loans
# Hint: "Current", "In Grace Period", "Late (16-30 days)", "Late (31-120 days)" are ongoing loans

In [22]:

data.show()

id	member_id	loan_amnt	funded_amnt	funded_amnt_inv	term	int_rate	installment	grade	sub_grade	emp_title	emp_length	home_ownership	annual_inc	verification_status	issue_d	loan_status	pymnt_plan	url	desc	purpose	title	zip_code	addr_state	dti	earliest_cr_line	inq_last_6mths	mths_since_last_delinq	open_acc	revol_bal	revol_util	total_acc	initial_list_status	total_pymnt	total_pymnt_inv	total_rec_prncp	total_rec_int	total_rec_late_fee	recoveries	collection_recovery_fee	last_pymnt_d	last_pymnt_amnt	last_credit_pull_d	policy_code
1.0775e+06	1.2966e+06	5000	5000	4975	36 months	10.65%	162.87	B	B2		10+ years	RENT	24000	VERIFIED - income	Dec-2011	Fully Paid	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1077501	Borrower added on 12/22/11 > I need to upgrade my business technologies.	credit_card	Computer	860xx	AZ	27.65	Jan-1985	1		3	13648	83.7%	9	f	5861.07	5831.78	5000	861.07	0	0	0	Jan-2015	171.62	Jan-2015	1
1.07743e+06	1.31417e+06	2500	2500	2500	60 months	15.27%	59.83	C	C4	Ryder	< 1 year	RENT	30000	VERIFIED - income source	Dec-2011	Charged Off	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1077430	Borrower added on 12/22/11 > I plan to use this money to finance the motorcycle i am looking at. I plan to have it paid off as soon as possible/when i sell my old bike. I only need this money because the deal im looking at is to good to pass up. Borrower added on 12/22/11 > I plan to use this money to finance the motorcycle i am looking at. I plan to have it paid off as soon as possible/when i sell my old bike.I only need this money because the deal im looking at is to good to pass up. I have finished college with an associates degree in business and its takingmeplaces	car	bike	309xx	GA	1	Apr-1999	5		3	1687	9.4%	4	f	1008.71	1008.71	456.46	435.17	0	117.08	1.11	Apr-2013	119.66	Sep-2013	1
1.07718e+06	1.31352e+06	2400	2400	2400	36 months	15.96%	84.33	C	C5		10+ years	RENT	12252	not verified	Dec-2011	Fully Paid	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1077175		small_business	real estate business	606xx	IL	8.72	Nov-2001	2		2	2956	98.5%	10	f	3003.65	3003.65	2400	603.65	0	0	0	Jun-2014	649.91	Jun-2015	1
1.07686e+06	1.27718e+06	10000	10000	10000	36 months	13.49%	339.31	C	C1	AIR RESOURCES BOARD	10+ years	RENT	49200	VERIFIED - income source	Dec-2011	Fully Paid	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1076863	Borrower added on 12/21/11 > to pay for property tax (borrow from friend, need to pay back) & central A/C need to be replace. I'm very sorry to let my loan expired last time.	other	personel	917xx	CA	20	Feb-1996	1	35	10	5598	21%	37	f	12226.3	12226.3	10000	2209.33	16.97	0	0	Jan-2015	357.48	Jan-2015	1
1.07527e+06	1.31144e+06	5000	5000	5000	36 months	7.90%	156.46	A	A4	Veolia Transportaton	3 years	RENT	36000	VERIFIED - income source	Dec-2011	Fully Paid	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1075269		wedding	My wedding loan I promise to pay back	852xx	AZ	11.2	Nov-2004	3		9	7963	28.3%	12	f	5631.38	5631.38	5000	631.38	0	0	0	Jan-2015	161.03	Jun-2015	1
1.07205e+06	1.28869e+06	3000	3000	3000	36 months	18.64%	109.43	E	E1	MKC Accounting	9 years	RENT	48000	VERIFIED - income source	Dec-2011	Fully Paid	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1072053	Borrower added on 12/16/11 > Downpayment for a car.	car	Car Downpayment	900xx	CA	5.35	Jan-2007	2		4	8221	87.5%	4	f	3938.14	3938.14	3000	938.14	0	0	0	Jan-2015	111.34	Dec-2014	1
1.0718e+06	1.30696e+06	5600	5600	5600	60 months	21.28%	152.39	F	F2		4 years	OWN	40000	VERIFIED - income source	Dec-2011	Charged Off	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1071795	Borrower added on 12/21/11 > I own a small home-based judgment collection business. I have 5 years experience collecting debts. I am now going from a home office to a small office. I also plan to buy a small debt portfolio (eg. $10K for $1M of debt) My score is not A+ because I own my home and have no mortgage.	small_business	Expand Business & Buy Debt Portfolio	958xx	CA	5.55	Apr-2004	2		11	5210	32.6%	13	f	646.02	646.02	162.02	294.94	0	189.06	2.09	Apr-2012	152.39	Aug-2012	1
1.07157e+06	1.30672e+06	5375	5375	5350	60 months	12.69%	121.45	B	B5	Starbucks	< 1 year	RENT	15000	VERIFIED - income	Dec-2011	Charged Off	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1071570	Borrower added on 12/16/11 > I'm trying to build up my credit history. I live with my brother and have no car payment or credit cards. I am in community college and work full time. Im going to use the money to make some repairs around the house and get some maintenance done on my car. Borrower added on 12/20/11 > $1000 down only $4375 to go. Thanks to everyone that invested so far, looking forward to surprising my brother with the fixes around the house.	other	Building my credit history.	774xx	TX	18.08	Sep-2004	0		2	9279	36.5%	3	f	1476.19	1469.34	673.48	533.42	0	269.29	2.52	Nov-2012	121.45	Mar-2013	1
1.07008e+06	1.3052e+06	6500	6500	6500	60 months	14.65%	153.45	C	C3	Southwest Rural metro	5 years	OWN	72000	not verified	Dec-2011	Fully Paid	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1070078	Borrower added on 12/15/11 > I had recived a loan from Citi Financial about a year ago, I was paying 29.99 intrest, so the refinance is to cut that rate since cleaning up my credit I have been paying everything on time as shown on my credit report	debt_consolidation	High intrest Consolidation	853xx	AZ	16.12	Jan-1998	2		14	4032	20.6%	23	f	7677.52	7677.52	6500	1177.52	0	0	0	Jun-2013	1655.54	Jul-2013	1
1.06991e+06	1.30501e+06	12000	12000	12000	36 months	12.69%	402.54	B	B5	UCLA	10+ years	OWN	75000	VERIFIED - income source	Dec-2011	Fully Paid	n	https://www.lendingclub.com/browse/loanDetail.action?loan_id=1069908		debt_consolidation	Consolidation	913xx	CA	10.78	Oct-1989	0		12	23336	67.1%	34	f	13943.1	13943.1	12000	1943.08	0	0	0	Sep-2013	6315.3	Aug-2013	1

In [23]:

# Task 4: Bin the response variable to good/bad oans only, use your best judgement for what qualifies as a good/bad loan
# Create a new column called "bad_loan" which should be a binary variable
# Hint: You can turn the bad_loan columm into a factor using .asfactor()

In [24]:

# Task 5: String munging to clearn string columns before converting to numeric
# Hint: Column that need munging include "int_rate," "revol_util," "emp_length"

#### Example for int_rate using gsub, trim, asnumeric ####
data ["int_rate"] = data["int_rate"].gsub(pattern = "%", replacement = "") # strip %
data [ "int_rate"] = data["int_rate"].trim() # trim ws
data ["int_rate"] = data["int_rate"].asnumeric() #change to a numeric 
data["int_rate"].show()

int_rate
10.65
15.27
15.96
13.49
7.9
18.64
21.28
12.69
14.65
12.69

In [25]:

# Now try for revol_util yourself

revol_util
83.7
9.4
98.5
21
28.3
87.5
32.6
36.5
20.6
67.1

In [26]:

# Now we're going to clean up emp_length
# Use gsub to remove " year" and " years" also translate n/a to "" 
data ["emp_length"] = data["emp_length"].gsub(pattern = "([ ]*+[a-zA-Z].*)|(n/a)", 
                                              replacement = "") 

# Use trim to remove any trailing spaces 
data ["emp_length"] = data["emp_length"].trim()

In [27]:

# Use sub to convert < 1 to 0 years and do the same for 10 + to 10
# Hint: Be mindful of spaces between characters

emp_length
10
0.5
10
10
3
9
4
0.5
5
10

In [30]:

# Task 6: Extract month and year from earliest_cr_line and make two new columns called 
# earliest_cr_month and earliest_cr_year

earliest_cr_year
1985
1999
2001
1996
2004
2007
2004
2004
1998
1989

In [33]:

# Task 7: Extract month and year from issue_d and make two new columns called issue_d_month and issue_d_year

issue_d_year
2011
2011
2011
2011
2011
2011
2011
2011
2011
2011

In [34]:

# Task 8: Create new column called credit_length
# Hint: Do this by subtracting the earliest_cr_year from the issue_d_year

credit_length
26
12
10
15
7
4
7
7
13
22

In [35]:

# Task 9: Use the sub function to create two levels from the verification_status column. Ie "verified" and "not verified"

In [36]:

# Task 10: Do a test-train split (80-20)

In [37]:

# Task 11: Define your response and predictor variables 
y="bad_loan"
x=[]

In [38]:

# Task 12: Set parameters for GBM model

In [39]:

# Task 13: Build your model

gbm Model Build Progress: [##################################################] 100%

In [ ]:

# Task 14: View your model results