【Python】 Machine-Learning | lending-club-risk-analysis-and-metrics

Lending Club Loan Analysis

借贷俱乐部贷款分析

Before Starting:

If you liked this kernel please don’t forget to upvote the project, this will keep me motivated to other kernels in the future. I hope you enjoy our deep exploration into this dataset. Let’s begin!


开始之前：如果您喜欢这个内核，请别忘了对该项目进行投票，这将使我在以后继续致力于其他内核。 希望您喜欢我们对该数据集的深入探索。 让我们开始！

Company Information:

Lending Club is a peer to peer lending company based in the United States, in which investors provide funds for potential borrowers and investors earn a profit depending on the risk they take (the borrowers credit score). Lending Club provides the “bridge” between investors and borrowers. For more basic information about the company please check out the wikipedia article about the company.


公司信息：
Lending Club是一家位于美国的点对点借贷公司，在该公司中，投资者为潜在的借款人提供资金，而投资者根据所承担的风险（借款人的信用评分）来获利。 借贷俱乐部提供了投资者与借款人之间的“桥梁”。 有关该公司的更多基本信息，请查看有关该公司的Wikipedia文章。

Lending Club Information

How Lending Club Works? 借贷俱乐部如何运作？

借款人申请贷款。投资者开立账户。

借款人得到资金。投资者建立投资组合。

自动借款人偿还。投资者赚钱后再投资。

About the dataset

These files contain complete loan data for all loans issued through the 2007-2015, including the current loan status (Current, Late, Fully Paid, etc.) and latest payment information. The file containing loan data through the “present” contains complete loan data for all loans issued through the previous completed calendar quarter. Additional features include credit scores, number of finance inquiries, address including zip codes, and state, and collections among others. The file is a matrix of about 890 thousand observations and 75 fields. A data dictionary is provided in a separate file.

关于数据集
这些文件包含2007-2015年间发放的所有贷款的完整贷款数据，包括当前贷款状态（“当前”，“延迟”，“已全额付款”等）和最新的付款信息。 通过“当前”包含贷款数据的文件包含通过先前完成的日历季度发行的所有贷款的完整贷款数据。 其他功能包括信用评分，财务查询数量，包括邮政编码的地址，州和其他信息。 该文件是约89万个观测值和75个字段的矩阵。 数据字典在单独的文件中提供。

import pandas as pd
import numpy as np
from datetime import datetime
start_time = datetime.now()

# Need to install these, then comment them out and rerun the notebook
# %conda install -c plotly plotly
# %pip install tensorflow 
# %pip install chart-studio
# %conda install -c conda-forge imbalanced-learn

# import tensorflow as tf
import matplotlib.pyplot as plt
import seaborn as sns
from matplotlib import rcParams

#To plot figs on jupyter
%matplotlib inline
# figure size in inches
rcParams['figure.figsize'] = 8,6
print('LOADING DURATION: ', datetime.now() - start_time) # about 13 minutes

LOADING DURATION:  0:00:01.136953

# data_file = "loan.csv"
# df_loan = pd.read_csv(data_file,low_memory=False)
# df_loan.info()

# # Original data is too big to upload to ED, this is to break down original data into smaller chunks、
# 原始数据太大，无法上传到ED，这是将原始数据分解成较小的块
# chunk_size = 100000
# batch = 0
# for chunk in pd.read_csv('loan.csv', chunksize=chunk_size):
#     chunk.to_csv('loan_' + str(batch) + '.csv', index=False)
#     batch += 1

# download all the csv files and put them into a folder called data, 
# 下载所有的csv文件，并将它们放入名为data的文件夹中，
# under the directory where you start your jupyter notebook
# 在启动jupyter笔记本的目录下
import glob
df_loan = pd.concat([pd.read_csv(f, low_memory=False) for f in glob.glob('*.csv')])

df_loan.info()

<class 'pandas.core.frame.DataFrame'>
Int64Index: 887379 entries, 0 to 87378
Data columns (total 74 columns):
 #   Column                       Non-Null Count   Dtype  
---  ------                       --------------   -----  
 0   id                           887379 non-null  int64  
 1   member_id                    887379 non-null  int64  
 2   loan_amnt                    887379 non-null  float64
 3   funded_amnt                  887379 non-null  float64
 4   funded_amnt_inv              887379 non-null  float64
 5   term                         887379 non-null  object 
 6   int_rate                     887379 non-null  float64
 7   installment                  887379 non-null  float64
 8   grade                        887379 non-null  object 
 9   sub_grade                    887379 non-null  object 
 10  emp_title                    835917 non-null  object 
 11  emp_length                   842554 non-null  object 
 12  home_ownership               887379 non-null  object 
 13  annual_inc                   887375 non-null  float64
 14  verification_status          887379 non-null  object 
 15  issue_d                      887379 non-null  object 
 16  loan_status                  887379 non-null  object 
 17  pymnt_plan                   887379 non-null  object 
 18  url                          887379 non-null  object 
 19  desc                         126028 non-null  object 
 20  purpose                      887379 non-null  object 
 21  title                        887227 non-null  object 
 22  zip_code                     887379 non-null  object 
 23  addr_state                   887379 non-null  object 
 24  dti                          887379 non-null  float64
 25  delinq_2yrs                  887350 non-null  float64
 26  earliest_cr_line             887350 non-null  object 
 27  inq_last_6mths               887350 non-null  float64
 28  mths_since_last_delinq       433067 non-null  float64
 29  mths_since_last_record       137053 non-null  float64
 30  open_acc                     887350 non-null  float64
 31  pub_rec                      887350 non-null  float64
 32  revol_bal                    887379 non-null  float64
 33  revol_util                   886877 non-null  float64
 34  total_acc                    887350 non-null  float64
 35  initial_list_status          887379 non-null  object 
 36  out_prncp                    887379 non-null  float64
 37  out_prncp_inv                887379 non-null  float64
 38  total_pymnt                  887379 non-null  float64
 39  total_pymnt_inv              887379 non-null  float64
 40  total_rec_prncp              887379 non-null  float64
 41  total_rec_int                887379 non-null  float64
 42  total_rec_late_fee           887379 non-null  float64
 43  recoveries                   887379 non-null  float64
 44  collection_recovery_fee      887379 non-null  float64
 45  last_pymnt_d                 869720 non-null  object 
 46  last_pymnt_amnt              887379 non-null  float64
 47  next_pymnt_d                 634408 non-null  object 
 48  last_credit_pull_d           887326 non-null  object 
 49  collections_12_mths_ex_med   887234 non-null  float64
 50  mths_since_last_major_derog  221703 non-null  float64
 51  policy_code                  887379 non-null  float64
 52  application_type             887379 non-null  object 
 53  annual_inc_joint             511 non-null     float64
 54  dti_joint                    509 non-null     float64
 55  verification_status_joint    511 non-null     object 
 56  acc_now_delinq               887350 non-null  float64
 57  tot_coll_amt                 817103 non-null  float64
 58  tot_cur_bal                  817103 non-null  float64
 59  open_acc_6m                  21372 non-null   float64
 60  open_il_6m                   21372 non-null   float64
 61  open_il_12m                  21372 non-null   float64
 62  open_il_24m                  21372 non-null   float64
 63  mths_since_rcnt_il           20810 non-null   float64
 64  total_bal_il                 21372 non-null   float64
 65  il_util                      18617 non-null   float64
 66  open_rv_12m                  21372 non-null   float64
 67  open_rv_24m                  21372 non-null   float64
 68  max_bal_bc                   21372 non-null   float64
 69  all_util                     21372 non-null   float64
 70  total_rev_hi_lim             817103 non-null  float64
 71  inq_fi                       21372 non-null   float64
 72  total_cu_tl                  21372 non-null   float64
 73  inq_last_12m                 21372 non-null   float64
dtypes: float64(49), int64(2), object(23)
memory usage: 507.8+ MB

df_loan.head()

	id	member_id	loan_amnt	funded_amnt	funded_amnt_inv	term	int_rate	installment	grade	sub_grade	...	total_bal_il	il_util	open_rv_12m	open_rv_24m	max_bal_bc	all_util	total_rev_hi_lim	inq_fi	total_cu_tl	inq_last_12m
0	1077501	1296599	5000.0	5000.0	4975.0	36 months	10.65	162.87	B	B2	...	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN
1	1077430	1314167	2500.0	2500.0	2500.0	60 months	15.27	59.83	C	C4	...	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN
2	1077175	1313524	2400.0	2400.0	2400.0	36 months	15.96	84.33	C	C5	...	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN
3	1076863	1277178	10000.0	10000.0	10000.0	36 months	13.49	339.31	C	C1	...	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN
4	1075358	1311748	3000.0	3000.0	3000.0	60 months	12.69	67.79	B	B5	...	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN	NaN

5 rows × 74 columns

print(df_loan.columns)

Index(['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', 'application_type',
       'annual_inc_joint', 'dti_joint', 'verification_status_joint',
       'acc_now_delinq', 'tot_coll_amt', 'tot_cur_bal', 'open_acc_6m',
       'open_il_6m', 'open_il_12m', 'open_il_24m', 'mths_since_rcnt_il',
       'total_bal_il', 'il_util', 'open_rv_12m', 'open_rv_24m', 'max_bal_bc',
       'all_util', 'total_rev_hi_lim', 'inq_fi', 'total_cu_tl',
       'inq_last_12m'],
      dtype='object')

#Let's see the data shape and NaN values
print(df_loan.shape)
pd.options.display.max_rows = 100
print(df_loan.isnull().sum())

(887379, 74)
id                                  0
member_id                           0
loan_amnt                           0
funded_amnt                         0
funded_amnt_inv                     0
term                                0
int_rate                            0
installment                         0
grade                               0
sub_grade                           0
emp_title                       51462
emp_length                      44825
home_ownership                      0
annual_inc                          4
verification_status                 0
issue_d                             0
loan_status                         0
pymnt_plan                          0
url                                 0
desc                           761351
purpose                             0
title                             152
zip_code                            0
addr_state                          0
dti                                 0
delinq_2yrs                        29
earliest_cr_line                   29
inq_last_6mths                     29
mths_since_last_delinq         454312
mths_since_last_record         750326
open_acc                           29
pub_rec                            29
revol_bal                           0
revol_util                        502
total_acc                          29
initial_list_status                 0
out_prncp                           0
out_prncp_inv                       0
total_pymnt                         0
total_pymnt_inv                     0
total_rec_prncp                     0
total_rec_int                       0
total_rec_late_fee                  0
recoveries                          0
collection_recovery_fee             0
last_pymnt_d                    17659
last_pymnt_amnt                     0
next_pymnt_d                   252971
last_credit_pull_d                 53
collections_12_mths_ex_med        145
mths_since_last_major_derog    665676
policy_code                         0
application_type                    0
annual_inc_joint               886868
dti_joint                      886870
verification_status_joint      886868
acc_now_delinq                     29
tot_coll_amt                    70276
tot_cur_bal                     70276
open_acc_6m                    866007
open_il_6m                     866007
open_il_12m                    866007
open_il_24m                    866007
mths_since_rcnt_il             866569
total_bal_il                   866007
il_util                        868762
open_rv_12m                    866007
open_rv_24m                    866007
max_bal_bc                     866007
all_util                       866007
total_rev_hi_lim                70276
inq_fi                         866007
total_cu_tl                    866007
inq_last_12m                   866007
dtype: int64

#I will start looking the loan_amnt column
# 我将开始查找loan_amnt列
plt.figure(figsize=(12,6))

g = sns.distplot(df_loan["loan_amnt"])
g.set_xlabel("", fontsize=12)
g.set_ylabel("Frequency Dist", fontsize=12)
g.set_title("Frequency Distribution", fontsize=20)

plt.show()

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-DY3oIYk8-1620867685956)(output_10_0.png)]

# Look at interest rate
# 看利率

df_loan['int_round'] = df_loan['int_rate'].round(0).astype(int)

plt.figure(figsize = (10,8))

#Exploring the Int_rate
# plt.subplot(211)
# g = sns.distplot(np.log(df_loan["int_rate"]))
# g.set_xlabel("", fontsize=12)
# g.set_ylabel("Distribuition", fontsize=12)
# g.set_title("Int Rate Log distribuition", fontsize=20)

plt.subplot(212)
g1 = sns.countplot(x="int_round",data=df_loan,
                   palette="Set2")
g1.set_xlabel("Int Rate", fontsize=12)
g1.set_ylabel("Count", fontsize=12)
g1.set_title("Int Rate Distribution", fontsize=20)

plt.subplots_adjust(wspace = 0.2, hspace = 0.6,top = 0.9)

plt.show()

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-ZGrx6NN0-1620867685958)(output_11_0.png)]

Explore Loan Status 探索贷款状态

df_loan.loc[df_loan.loan_status == \
            'Does not meet the credit policy. Status:Fully Paid', 'loan_status'] = 'NMCP Fully Paid'
df_loan.loc[df_loan.loan_status == \
            'Does not meet the credit policy. Status:Charged Off', 'loan_status'] = 'NMCP Charged Off'

print(df_loan.loan_status.value_counts())

plt.figure(figsize = (12,14))

plt.subplot(311)
plt.yscale('log')
g = sns.countplot(x="loan_status", data=df_loan)
g.set_xticklabels(g.get_xticklabels(),rotation=45)
g.set_xlabel("", fontsize=12)
g.set_ylabel("Count", fontsize=15)
g.set_title("Loan Status Count", fontsize=20)

plt.subplot(312)
g1 = sns.boxplot(x="loan_status", y="total_acc", data=df_loan)
g1.set_xticklabels(g1.get_xticklabels(),rotation=45)
g1.set_xlabel("", fontsize=12)
g1.set_ylabel("Total Acc", fontsize=15)
g1.set_title("Duration Count", fontsize=20)

plt.subplot(313)
g2 = sns.violinplot(x="loan_status", y="loan_amnt", data=df_loan)
g2.set_xticklabels(g2.get_xticklabels(),rotation=45)
g2.set_xlabel("Duration Distribuition", fontsize=15)
g2.set_ylabel("Count", fontsize=15)
g2.set_title("Loan Amount", fontsize=20)

plt.subplots_adjust(wspace = 0.2, hspace = 0.7,top = 0.9)

plt.show()

Current               601779
Fully Paid            207723
Charged Off            45248
Late (31-120 days)     11591
Issued                  8460
In Grace Period         6253
Late (16-30 days)       2357
NMCP Fully Paid         1988
Default                 1219
NMCP Charged Off         761
Name: loan_status, dtype: int64

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-B5xYaeAW-1620867685960)(output_14_1.png)]

ISSUE_D

Going depth in the default exploration to see the amount and counting though the ISSUE_D ,

that is: The month which the loan was funded

发布

在默认浏览中深入了解数量并通过ISSUE_D进行计数，

即：贷款发放的月份

df_loan['issue_month'], df_loan['issue_year'] = df_loan['issue_d'].str.split('-', 1).str
months_order = ["Jan", "Feb", "Mar", "Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec"]
df_loan['issue_month'] = pd.Categorical(df_loan['issue_month'],categories=months_order, ordered=True)

#Issue_d x loan_amount
plt.figure(figsize = (14,6))

g = sns.pointplot(x='issue_month', y='loan_amnt', 
                  data=df_loan, 
                  hue='loan_status')
g.set_xticklabels(g.get_xticklabels(),rotation=90)
g.set_xlabel("Duration Distribuition", fontsize=15)
g.set_ylabel("Mean amount", fontsize=15)
g.legend(loc='best')
g.set_title("Loan Amount by Months", fontsize=20)
plt.show()

<ipython-input-13-78e359fbf53d>:1: FutureWarning: Columnar iteration over characters will be deprecated in future releases.
  df_loan['issue_month'], df_loan['issue_year'] = df_loan['issue_d'].str.split('-', 1).str

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-I2yJDHSk-1620867685962)(output_16_1.png)]

plt.figure(figsize = (14,6))
plt.yscale('log')
#Looking the count of defaults though the issue_d that is The month which the loan was funded
g = sns.countplot(x='issue_year', data=df_loan,
                  hue='loan_status')
g.set_xticklabels(g.get_xticklabels(),rotation=90)
g.set_xlabel("Dates", fontsize=15)
g.set_ylabel("Count", fontsize=15)
g.legend(loc='upper left')
g.set_title("Analyzing Loan Status by Years", fontsize=20)
plt.show()

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-TAyvezfN-1620867685964)(output_17_0.png)]

Taking a look of Default counting through the Years column

通过“年份”列查看默认计数

plt.figure(figsize = (14,6))
#Looking the count of defaults though the issue_d that is The month which the loan was funded
g = sns.countplot(x='issue_year', data=df_loan[df_loan['loan_status'] =='Default'])
g.set_xticklabels(g.get_xticklabels(),rotation=90)
g.set_xlabel("Dates", fontsize=15)
g.set_ylabel("Count", fontsize=15)
g.legend(loc='upper left')
g.set_title("Analyzing Defaults Count by Time", fontsize=20)
plt.show()

No handles with labels found to put in legend.

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-BmTuOC1D-1620867685966)(output_19_1.png)]

Now let's take a look on the crosstab using a heatmap to better see this

现在让我们使用热图来查看交叉表，以更好地了解这一点

#Exploring the loan_status x purpose
# 探索loan_status x的目的
purp_loan= ['purpose', 'loan_status']
cm = sns.light_palette("green", as_cmap=True)
pd.crosstab(df_loan[purp_loan[0]], df_loan[purp_loan[1]]).style.background_gradient(cmap = cm)

            <tr>
                    <th id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dflevel0_row0" class="row_heading level0 row0" >car</th>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow0_col0" class="data row0 col0" >448</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow0_col1" class="data row0 col1" >4937</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow0_col2" class="data row0 col2" >10</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow0_col3" class="data row0 col3" >3198</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow0_col4" class="data row0 col4" >40</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow0_col5" class="data row0 col5" >81</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow0_col6" class="data row0 col6" >15</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow0_col7" class="data row0 col7" >70</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow0_col8" class="data row0 col8" >13</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow0_col9" class="data row0 col9" >51</td>
        </tr>
        <tr>
                    <th id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dflevel0_row1" class="row_heading level0 row1" >credit_card</th>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow1_col0" class="data row1 col0" >7826</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow1_col1" class="data row1 col1" >149835</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow1_col2" class="data row1 col2" >233</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow1_col3" class="data row1 col3" >42250</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow1_col4" class="data row1 col4" >1150</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow1_col5" class="data row1 col5" >2071</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow1_col6" class="data row1 col6" >381</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow1_col7" class="data row1 col7" >2096</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow1_col8" class="data row1 col8" >69</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow1_col9" class="data row1 col9" >271</td>
        </tr>
        <tr>
                    <th id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dflevel0_row2" class="row_heading level0 row2" >debt_consolidation</th>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow2_col0" class="data row2 col0" >27599</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow2_col1" class="data row2 col1" >356239</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow2_col2" class="data row2 col2" >790</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow2_col3" class="data row2 col3" >120764</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow2_col4" class="data row2 col4" >3998</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow2_col5" class="data row2 col5" >4796</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow2_col6" class="data row2 col6" >1510</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow2_col7" class="data row2 col7" >7419</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow2_col8" class="data row2 col8" >292</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow2_col9" class="data row2 col9" >808</td>
        </tr>
        <tr>
                    <th id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dflevel0_row3" class="row_heading level0 row3" >educational</th>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow3_col0" class="data row3 col0" >56</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow3_col1" class="data row3 col1" >1</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow3_col2" class="data row3 col2" >0</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow3_col3" class="data row3 col3" >269</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow3_col4" class="data row3 col4" >0</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow3_col5" class="data row3 col5" >0</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow3_col6" class="data row3 col6" >0</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow3_col7" class="data row3 col7" >0</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow3_col8" class="data row3 col8" >32</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow3_col9" class="data row3 col9" >65</td>
        </tr>
        <tr>
                    <th id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dflevel0_row4" class="row_heading level0 row4" >home_improvement</th>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow4_col0" class="data row4 col0" >2269</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow4_col1" class="data row4 col1" >34980</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow4_col2" class="data row4 col2" >47</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow4_col3" class="data row4 col3" >12660</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow4_col4" class="data row4 col4" >367</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow4_col5" class="data row4 col5" >493</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow4_col6" class="data row4 col6" >137</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow4_col7" class="data row4 col7" >662</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow4_col8" class="data row4 col8" >71</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow4_col9" class="data row4 col9" >143</td>
        </tr>
        <tr>
                    <th id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dflevel0_row5" class="row_heading level0 row5" >house</th>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow5_col0" class="data row5 col0" >286</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow5_col1" class="data row5 col1" >1854</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow5_col2" class="data row5 col2" >7</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow5_col3" class="data row5 col3" >1366</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow5_col4" class="data row5 col4" >37</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow5_col5" class="data row5 col5" >37</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow5_col6" class="data row5 col6" >15</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow5_col7" class="data row5 col7" >61</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow5_col8" class="data row5 col8" >11</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow5_col9" class="data row5 col9" >33</td>
        </tr>
        <tr>
                    <th id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dflevel0_row6" class="row_heading level0 row6" >major_purchase</th>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow6_col0" class="data row6 col0" >874</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow6_col1" class="data row6 col1" >10308</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow6_col2" class="data row6 col2" >14</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow6_col3" class="data row6 col3" >5391</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow6_col4" class="data row6 col4" >125</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow6_col5" class="data row6 col5" >184</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow6_col6" class="data row6 col6" >51</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow6_col7" class="data row6 col7" >207</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow6_col8" class="data row6 col8" >23</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow6_col9" class="data row6 col9" >100</td>
        </tr>
        <tr>
                    <th id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dflevel0_row7" class="row_heading level0 row7" >medical</th>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow7_col0" class="data row7 col0" >569</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow7_col1" class="data row7 col1" >5324</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow7_col2" class="data row7 col2" >15</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow7_col3" class="data row7 col3" >2285</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow7_col4" class="data row7 col4" >56</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow7_col5" class="data row7 col5" >91</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow7_col6" class="data row7 col6" >17</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow7_col7" class="data row7 col7" >125</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow7_col8" class="data row7 col8" >22</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow7_col9" class="data row7 col9" >36</td>
        </tr>
        <tr>
                    <th id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dflevel0_row8" class="row_heading level0 row8" >moving</th>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow8_col0" class="data row8 col0" >425</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow8_col1" class="data row8 col1" >3121</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow8_col2" class="data row8 col2" >11</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow8_col3" class="data row8 col3" >1603</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow8_col4" class="data row8 col4" >43</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow8_col5" class="data row8 col5" >52</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow8_col6" class="data row8 col6" >23</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow8_col7" class="data row8 col7" >90</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow8_col8" class="data row8 col8" >15</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow8_col9" class="data row8 col9" >31</td>
        </tr>
        <tr>
                    <th id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dflevel0_row9" class="row_heading level0 row9" >other</th>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow9_col0" class="data row9 col0" >2936</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow9_col1" class="data row9 col1" >26607</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow9_col2" class="data row9 col2" >65</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow9_col3" class="data row9 col3" >11341</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow9_col4" class="data row9 col4" >310</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow9_col5" class="data row9 col5" >480</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow9_col6" class="data row9 col6" >136</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow9_col7" class="data row9 col7" >595</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow9_col8" class="data row9 col8" >121</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow9_col9" class="data row9 col9" >303</td>
        </tr>
        <tr>
                    <th id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dflevel0_row10" class="row_heading level0 row10" >renewable_energy</th>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow10_col0" class="data row10 col0" >54</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow10_col1" class="data row10 col1" >282</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow10_col2" class="data row10 col2" >0</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow10_col3" class="data row10 col3" >213</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow10_col4" class="data row10 col4" >8</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow10_col5" class="data row10 col5" >6</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow10_col6" class="data row10 col6" >0</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow10_col7" class="data row10 col7" >9</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow10_col8" class="data row10 col8" >1</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow10_col9" class="data row10 col9" >2</td>
        </tr>
        <tr>
                    <th id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dflevel0_row11" class="row_heading level0 row11" >small_business</th>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow11_col0" class="data row11 col0" >1371</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow11_col1" class="data row11 col1" >5020</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow11_col2" class="data row11 col2" >19</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow11_col3" class="data row11 col3" >3375</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow11_col4" class="data row11 col4" >79</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow11_col5" class="data row11 col5" >112</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow11_col6" class="data row11 col6" >50</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow11_col7" class="data row11 col7" >190</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow11_col8" class="data row11 col8" >72</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow11_col9" class="data row11 col9" >89</td>
        </tr>
        <tr>
                    <th id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dflevel0_row12" class="row_heading level0 row12" >vacation</th>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow12_col0" class="data row12 col0" >270</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow12_col1" class="data row12 col1" >2946</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow12_col2" class="data row12 col2" >8</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow12_col3" class="data row12 col3" >1318</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow12_col4" class="data row12 col4" >37</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow12_col5" class="data row12 col5" >57</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow12_col6" class="data row12 col6" >22</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow12_col7" class="data row12 col7" >59</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow12_col8" class="data row12 col8" >6</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow12_col9" class="data row12 col9" >13</td>
        </tr>
        <tr>
                    <th id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dflevel0_row13" class="row_heading level0 row13" >wedding</th>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow13_col0" class="data row13 col0" >265</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow13_col1" class="data row13 col1" >325</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow13_col2" class="data row13 col2" >0</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow13_col3" class="data row13 col3" >1690</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow13_col4" class="data row13 col4" >3</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow13_col5" class="data row13 col5" >0</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow13_col6" class="data row13 col6" >0</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow13_col7" class="data row13 col7" >8</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow13_col8" class="data row13 col8" >13</td>
                    <td id="T_53614aa7_b2ca_11eb_addd_00e18c9a08dfrow13_col9" class="data row13 col9" >43</td>
        </tr>
</tbody></table>

loan_status	Charged Off	Current	Default	Fully Paid	In Grace Period	Issued	Late (16-30 days)	Late (31-120 days)	NMCP Charged Off	NMCP Fully Paid
purpose

loan_grade = ['loan_status', 'grade']
cm = sns.light_palette("green", as_cmap=True)
pd.crosstab(df_loan[loan_grade[0]], df_loan[loan_grade[1]]).style.background_gradient(cmap = cm)

            <tr>
                    <th id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dflevel0_row0" class="row_heading level0 row0" >Charged Off</th>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow0_col0" class="data row0 col0" >2617</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow0_col1" class="data row0 col1" >9519</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow0_col2" class="data row0 col2" >12642</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow0_col3" class="data row0 col3" >10486</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow0_col4" class="data row0 col4" >6258</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow0_col5" class="data row0 col5" >2934</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow0_col6" class="data row0 col6" >792</td>
        </tr>
        <tr>
                    <th id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dflevel0_row1" class="row_heading level0 row1" >Current</th>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow1_col0" class="data row1 col0" >103322</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow1_col1" class="data row1 col1" >171735</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow1_col2" class="data row1 col2" >171175</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow1_col3" class="data row1 col3" >91984</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow1_col4" class="data row1 col4" >47061</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow1_col5" class="data row1 col5" >13589</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow1_col6" class="data row1 col6" >2913</td>
        </tr>
        <tr>
                    <th id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dflevel0_row2" class="row_heading level0 row2" >Default</th>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow2_col0" class="data row2 col0" >47</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow2_col1" class="data row2 col1" >198</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow2_col2" class="data row2 col2" >360</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow2_col3" class="data row2 col3" >312</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow2_col4" class="data row2 col4" >201</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow2_col5" class="data row2 col5" >79</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow2_col6" class="data row2 col6" >22</td>
        </tr>
        <tr>
                    <th id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dflevel0_row3" class="row_heading level0 row3" >Fully Paid</th>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow3_col0" class="data row3 col0" >39679</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow3_col1" class="data row3 col1" >66546</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow3_col2" class="data row3 col2" >52678</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow3_col3" class="data row3 col3" >30020</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow3_col4" class="data row3 col4" >12928</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow3_col5" class="data row3 col5" >4726</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow3_col6" class="data row3 col6" >1146</td>
        </tr>
        <tr>
                    <th id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dflevel0_row4" class="row_heading level0 row4" >In Grace Period</th>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow4_col0" class="data row4 col0" >365</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow4_col1" class="data row4 col1" >1240</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow4_col2" class="data row4 col2" >1887</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow4_col3" class="data row4 col3" >1405</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow4_col4" class="data row4 col4" >908</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow4_col5" class="data row4 col5" >354</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow4_col6" class="data row4 col6" >94</td>
        </tr>
        <tr>
                    <th id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dflevel0_row5" class="row_heading level0 row5" >Issued</th>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow5_col0" class="data row5 col0" >1448</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow5_col1" class="data row5 col1" >2529</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow5_col2" class="data row5 col2" >2472</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow5_col3" class="data row5 col3" >1185</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow5_col4" class="data row5 col4" >593</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow5_col5" class="data row5 col5" >194</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow5_col6" class="data row5 col6" >39</td>
        </tr>
        <tr>
                    <th id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dflevel0_row6" class="row_heading level0 row6" >Late (16-30 days)</th>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow6_col0" class="data row6 col0" >134</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow6_col1" class="data row6 col1" >410</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow6_col2" class="data row6 col2" >678</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow6_col3" class="data row6 col3" >569</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow6_col4" class="data row6 col4" >368</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow6_col5" class="data row6 col5" >155</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow6_col6" class="data row6 col6" >43</td>
        </tr>
        <tr>
                    <th id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dflevel0_row7" class="row_heading level0 row7" >Late (31-120 days)</th>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow7_col0" class="data row7 col0" >492</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow7_col1" class="data row7 col1" >2004</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow7_col2" class="data row7 col2" >3339</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow7_col3" class="data row7 col3" >2890</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow7_col4" class="data row7 col4" >1852</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow7_col5" class="data row7 col5" >768</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow7_col6" class="data row7 col6" >246</td>
        </tr>
        <tr>
                    <th id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dflevel0_row8" class="row_heading level0 row8" >NMCP Charged Off</th>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow8_col0" class="data row8 col0" >8</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow8_col1" class="data row8 col1" >85</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow8_col2" class="data row8 col2" >148</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow8_col3" class="data row8 col3" >197</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow8_col4" class="data row8 col4" >158</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow8_col5" class="data row8 col5" >93</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow8_col6" class="data row8 col6" >72</td>
        </tr>
        <tr>
                    <th id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dflevel0_row9" class="row_heading level0 row9" >NMCP Fully Paid</th>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow9_col0" class="data row9 col0" >90</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow9_col1" class="data row9 col1" >269</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow9_col2" class="data row9 col2" >481</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow9_col3" class="data row9 col3" >494</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow9_col4" class="data row9 col4" >378</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow9_col5" class="data row9 col5" >154</td>
                    <td id="T_537fe297_b2ca_11eb_a67b_00e18c9a08dfrow9_col6" class="data row9 col6" >122</td>
        </tr>
</tbody></table>

grade	A	B	C	D	E	F	G
loan_status

loan_home = ['loan_status', 'home_ownership']
cm = sns.light_palette("green", as_cmap=True)
pd.crosstab(df_loan[loan_home[0]], df_loan[loan_home[1]]).style.background_gradient(cmap = cm)

            <tr>
                    <th id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dflevel0_row0" class="row_heading level0 row0" >Charged Off</th>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow0_col0" class="data row0 col0" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow0_col1" class="data row0 col1" >19878</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow0_col2" class="data row0 col2" >7</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow0_col3" class="data row0 col3" >27</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow0_col4" class="data row0 col4" >4025</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow0_col5" class="data row0 col5" >21311</td>
        </tr>
        <tr>
                    <th id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dflevel0_row1" class="row_heading level0 row1" >Current</th>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow1_col0" class="data row1 col0" >2</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow1_col1" class="data row1 col1" >303764</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow1_col2" class="data row1 col2" >2</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow1_col3" class="data row1 col3" >3</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow1_col4" class="data row1 col4" >62041</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow1_col5" class="data row1 col5" >235967</td>
        </tr>
        <tr>
                    <th id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dflevel0_row2" class="row_heading level0 row2" >Default</th>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow2_col0" class="data row2 col0" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow2_col1" class="data row2 col1" >498</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow2_col2" class="data row2 col2" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow2_col3" class="data row2 col3" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow2_col4" class="data row2 col4" >110</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow2_col5" class="data row2 col5" >611</td>
        </tr>
        <tr>
                    <th id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dflevel0_row3" class="row_heading level0 row3" >Fully Paid</th>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow3_col0" class="data row3 col0" >1</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow3_col1" class="data row3 col1" >104966</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow3_col2" class="data row3 col2" >36</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow3_col3" class="data row3 col3" >114</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow3_col4" class="data row3 col4" >17960</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow3_col5" class="data row3 col5" >84646</td>
        </tr>
        <tr>
                    <th id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dflevel0_row4" class="row_heading level0 row4" >In Grace Period</th>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow4_col0" class="data row4 col0" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow4_col1" class="data row4 col1" >2855</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow4_col2" class="data row4 col2" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow4_col3" class="data row4 col3" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow4_col4" class="data row4 col4" >637</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow4_col5" class="data row4 col5" >2761</td>
        </tr>
        <tr>
                    <th id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dflevel0_row5" class="row_heading level0 row5" >Issued</th>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow5_col0" class="data row5 col0" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow5_col1" class="data row5 col1" >4220</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow5_col2" class="data row5 col2" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow5_col3" class="data row5 col3" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow5_col4" class="data row5 col4" >1038</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow5_col5" class="data row5 col5" >3202</td>
        </tr>
        <tr>
                    <th id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dflevel0_row6" class="row_heading level0 row6" >Late (16-30 days)</th>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow6_col0" class="data row6 col0" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow6_col1" class="data row6 col1" >1101</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow6_col2" class="data row6 col2" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow6_col3" class="data row6 col3" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow6_col4" class="data row6 col4" >260</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow6_col5" class="data row6 col5" >996</td>
        </tr>
        <tr>
                    <th id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dflevel0_row7" class="row_heading level0 row7" >Late (31-120 days)</th>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow7_col0" class="data row7 col0" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow7_col1" class="data row7 col1" >5019</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow7_col2" class="data row7 col2" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow7_col3" class="data row7 col3" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow7_col4" class="data row7 col4" >1212</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow7_col5" class="data row7 col5" >5360</td>
        </tr>
        <tr>
                    <th id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dflevel0_row8" class="row_heading level0 row8" >NMCP Charged Off</th>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow8_col0" class="data row8 col0" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow8_col1" class="data row8 col1" >348</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow8_col2" class="data row8 col2" >1</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow8_col3" class="data row8 col3" >11</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow8_col4" class="data row8 col4" >49</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow8_col5" class="data row8 col5" >352</td>
        </tr>
        <tr>
                    <th id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dflevel0_row9" class="row_heading level0 row9" >NMCP Fully Paid</th>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow9_col0" class="data row9 col0" >0</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow9_col1" class="data row9 col1" >908</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow9_col2" class="data row9 col2" >4</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow9_col3" class="data row9 col3" >27</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow9_col4" class="data row9 col4" >138</td>
                    <td id="T_53a16be8_b2ca_11eb_a9cf_00e18c9a08dfrow9_col5" class="data row9 col5" >911</td>
        </tr>
</tbody></table>

home_ownership	ANY	MORTGAGE	NONE	OTHER	OWN	RENT
loan_status

# Looking the 'verification_status' column that is the Indicates 
# 寻找“ verification_status”列，即“
#if the co-borrowers' joint income was verified by LC, not verified, or if the income source was verified
# 共同借款人的共同收入是否已由信用证（LC）核实，未核实，或收入来源是否已核实
loan_verification = ['loan_status', 'verification_status']
cm = sns.light_palette("green", as_cmap=True)
pd.crosstab(df_loan[loan_verification[0]], df_loan[loan_verification[1]]).style.background_gradient(cmap = cm)

            <tr>
                    <th id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dflevel0_row0" class="row_heading level0 row0" >Charged Off</th>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow0_col0" class="data row0 col0" >12208</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow0_col1" class="data row0 col1" >13740</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow0_col2" class="data row0 col2" >19300</td>
        </tr>
        <tr>
                    <th id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dflevel0_row1" class="row_heading level0 row1" >Current</th>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow1_col0" class="data row1 col0" >171400</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow1_col1" class="data row1 col1" >243705</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow1_col2" class="data row1 col2" >186674</td>
        </tr>
        <tr>
                    <th id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dflevel0_row2" class="row_heading level0 row2" >Default</th>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow2_col0" class="data row2 col0" >278</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow2_col1" class="data row2 col1" >462</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow2_col2" class="data row2 col2" >479</td>
        </tr>
        <tr>
                    <th id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dflevel0_row3" class="row_heading level0 row3" >Fully Paid</th>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow3_col0" class="data row3 col0" >73856</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow3_col1" class="data row3 col1" >60271</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow3_col2" class="data row3 col2" >73596</td>
        </tr>
        <tr>
                    <th id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dflevel0_row4" class="row_heading level0 row4" >In Grace Period</th>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow4_col0" class="data row4 col0" >1403</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow4_col1" class="data row4 col1" >2523</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow4_col2" class="data row4 col2" >2327</td>
        </tr>
        <tr>
                    <th id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dflevel0_row5" class="row_heading level0 row5" >Issued</th>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow5_col0" class="data row5 col0" >2779</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow5_col1" class="data row5 col1" >2836</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow5_col2" class="data row5 col2" >2845</td>
        </tr>
        <tr>
                    <th id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dflevel0_row6" class="row_heading level0 row6" >Late (16-30 days)</th>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow6_col0" class="data row6 col0" >473</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow6_col1" class="data row6 col1" >1006</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow6_col2" class="data row6 col2" >878</td>
        </tr>
        <tr>
                    <th id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dflevel0_row7" class="row_heading level0 row7" >Late (31-120 days)</th>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow7_col0" class="data row7 col0" >2521</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow7_col1" class="data row7 col1" >4725</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow7_col2" class="data row7 col2" >4345</td>
        </tr>
        <tr>
                    <th id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dflevel0_row8" class="row_heading level0 row8" >NMCP Charged Off</th>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow8_col0" class="data row8 col0" >511</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow8_col1" class="data row8 col1" >82</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow8_col2" class="data row8 col2" >168</td>
        </tr>
        <tr>
                    <th id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dflevel0_row9" class="row_heading level0 row9" >NMCP Fully Paid</th>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow9_col0" class="data row9 col0" >1321</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow9_col1" class="data row9 col1" >208</td>
                    <td id="T_53c57cff_b2ca_11eb_94dc_00e18c9a08dfrow9_col2" class="data row9 col2" >459</td>
        </tr>
</tbody></table>

verification_status	Not Verified	Source Verified	Verified
loan_status

Looking verification status using plotly library

使用绘图库查看验证状态

import plotly.offline as py
py.init_notebook_mode(connected=True)
import plotly.graph_objs as go
import plotly.tools as tls
import warnings
from collections import Counter

#First plot
trace0 = go.Bar(
    x = df_loan['verification_status'].value_counts().index.values,
    y = df_loan['verification_status'].value_counts().values,
    marker=dict(
        color=df_loan['verification_status'].value_counts().values,
        colorscale = 'Viridis'
    ),
)

data = [trace0]

layout = go.Layout(
    yaxis=dict(
        title='Count'
    ),
    xaxis=dict(
        title='Status'
    ),
    title='Verification Status Count'
)

fig = go.Figure(data=data, layout=layout)

py.iplot(fig, filename='verification-bar')

var gd = document.getElementById(‘7af8b97e-10c0-4d54-a8f3-56a6daa07942’);
var x = new MutationObserver(function (mutations, observer) {{
var display = window.getComputedStyle(gd).display;
if (!display || display === ‘none’) {{
console.log([gd, ‘removed!’]);
Plotly.purge(gd);
observer.disconnect();
}}
}});

// Listen for the removal of the full notebook cells
var notebookContainer = gd.closest(’#notebook-container’);
if (notebookContainer) {{
x.observe(notebookContainer, {childList: true});
}}

// Listen for the clearing of the current output cell
var outputEl = gd.closest(’.output’);
if (outputEl) {{
x.observe(outputEl, {childList: true});
}}

                    })                };                });            </script>        </div>

sns.distplot(df_loan['installment'])
plt.show()

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-jCUZlYtk-1620867685967)(output_27_0.png)]

Crossing the Loan Status and Installment

越过贷款状态和分期付款

plt.figure(figsize = (12,6))

g = sns.violinplot(x='loan_status', y="installment",
                   data=df_loan)
g.set_xticklabels(g.get_xticklabels(),rotation=45)
g.set_xlabel("", fontsize=12)
g.set_ylabel("Installment Dist", fontsize=15)
g.set_title("Loan Status by Installment", fontsize=20)

plt.show()

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-gsG98l8V-1620867685968)(output_29_0.png)]

# Exploring the loan_status x Application_type

# 探索loan_status x Application_type
loan_application = ['loan_status', 'application_type']
cm = sns.light_palette("green", as_cmap=True)
pd.crosstab(df_loan[loan_application[0]], df_loan[loan_application[1]]).style.background_gradient(cmap = cm)

            <tr>
                    <th id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dflevel0_row0" class="row_heading level0 row0" >Charged Off</th>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow0_col0" class="data row0 col0" >45248</td>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow0_col1" class="data row0 col1" >0</td>
        </tr>
        <tr>
                    <th id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dflevel0_row1" class="row_heading level0 row1" >Current</th>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow1_col0" class="data row1 col0" >601338</td>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow1_col1" class="data row1 col1" >441</td>
        </tr>
        <tr>
                    <th id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dflevel0_row2" class="row_heading level0 row2" >Default</th>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow2_col0" class="data row2 col0" >1219</td>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow2_col1" class="data row2 col1" >0</td>
        </tr>
        <tr>
                    <th id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dflevel0_row3" class="row_heading level0 row3" >Fully Paid</th>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow3_col0" class="data row3 col0" >207722</td>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow3_col1" class="data row3 col1" >1</td>
        </tr>
        <tr>
                    <th id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dflevel0_row4" class="row_heading level0 row4" >In Grace Period</th>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow4_col0" class="data row4 col0" >6250</td>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow4_col1" class="data row4 col1" >3</td>
        </tr>
        <tr>
                    <th id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dflevel0_row5" class="row_heading level0 row5" >Issued</th>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow5_col0" class="data row5 col0" >8396</td>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow5_col1" class="data row5 col1" >64</td>
        </tr>
        <tr>
                    <th id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dflevel0_row6" class="row_heading level0 row6" >Late (16-30 days)</th>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow6_col0" class="data row6 col0" >2357</td>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow6_col1" class="data row6 col1" >0</td>
        </tr>
        <tr>
                    <th id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dflevel0_row7" class="row_heading level0 row7" >Late (31-120 days)</th>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow7_col0" class="data row7 col0" >11589</td>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow7_col1" class="data row7 col1" >2</td>
        </tr>
        <tr>
                    <th id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dflevel0_row8" class="row_heading level0 row8" >NMCP Charged Off</th>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow8_col0" class="data row8 col0" >761</td>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow8_col1" class="data row8 col1" >0</td>
        </tr>
        <tr>
                    <th id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dflevel0_row9" class="row_heading level0 row9" >NMCP Fully Paid</th>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow9_col0" class="data row9 col0" >1988</td>
                    <td id="T_5710d93f_b2ca_11eb_ad84_00e18c9a08dfrow9_col1" class="data row9 col1" >0</td>
        </tr>
</tbody></table>

application_type	INDIVIDUAL	JOINT
loan_status

Distribution of Application_type thought the Loan Amount and Interest Rate

按贷款类型和利率划分的Application_type分布

plt.figure(figsize = (12,14))
#The amount and int rate x application_type 
plt.subplot(211)
g = sns.violinplot(x="application_type", y="loan_amnt",data=df_loan, 
            palette="hls")
g.set_title("Application Type - Loan Amount", fontsize=20)
g.set_xlabel("", fontsize=15)
g.set_ylabel("Loan Amount", fontsize=15)

plt.subplot(212)
g1 = sns.violinplot(x="application_type", y="int_rate",data=df_loan,
               palette="hls")
g1.set_title("Application Type - Interest Rate", fontsize=20)
g1.set_xlabel("", fontsize=15)
g1.set_ylabel("Int Rate", fontsize=15)

plt.subplots_adjust(wspace = 0.4, hspace = 0.4,top = 0.9)

plt.show()

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-frqIetMB-1620867685969)(output_32_0.png)]

Looking the Home Ownership by Loan_Amount

通过Loan_Amount查看房屋所有权

plt.figure(figsize = (10,6))

g = sns.violinplot(x="home_ownership",y="loan_amnt",data=df_loan,
               kind="violin",
               split=True,palette="hls",
               hue="application_type")
g.set_title("Homer Ownership - Loan Distribuition", fontsize=20)
g.set_xlabel("", fontsize=15)
g.set_ylabel("Loan Amount", fontsize=15)

plt.show()

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-b79IeEMq-1620867685970)(output_34_0.png)]

Looking the Purpose distribution

寻找目的分布

# Now will start exploring the Purpose variable
# 现在将开始探索Purpose变量
print("Purposes count description: ")
print(pd.crosstab(df_loan.purpose, df_loan.application_type))

plt.figure(figsize = (12,8))

plt.subplot(211)
plt.yscale('log')
g = sns.countplot(x="purpose",data=df_loan,
                  palette='hls')
g.set_xticklabels(g.get_xticklabels(),rotation=45)
g.set_title("Application Type - Loan Amount", fontsize=20)
g.set_xlabel("", fontsize=15)
g.set_ylabel("Loan Amount", fontsize=15)

plt.subplot(212)
g1 = sns.violinplot(x="purpose",y="loan_amnt",data=df_loan,
               hue="application_type", split=True)
g1.set_xticklabels(g1.get_xticklabels(),rotation=45)
g1.set_title("Application Type - Loan Amount", fontsize=20)
g1.set_xlabel("", fontsize=15)
g1.set_ylabel("Loan Amount", fontsize=15)

plt.subplots_adjust(wspace = 0.2, hspace = 0.8,top = 0.9)
plt.show()

Purposes count description: 
application_type    INDIVIDUAL  JOINT
purpose                              
car                       8862      1
credit_card             206067    115
debt_consolidation      523881    334
educational                423      0
home_improvement         51803     26
house                     3707      0
major_purchase           17275      2
medical                   8538      2
moving                    5413      1
other                    42867     27
renewable_energy           575      0
small_business           10375      2
vacation                  4735      1
wedding                   2347      0

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-nJsuCeFw-1620867685971)(output_36_1.png)]

Look at the Credit Quality

看信用质量

fig, ax = plt.subplots(3,1, figsize=(14,10))
sns.boxplot(x="grade", y="loan_amnt", data=df_loan,
            palette="hls",ax=ax[0], hue="application_type", 
            order=["A",'B','C','D','E','F', 'G'])
sns.violinplot(x='grade', y="int_rate",data=df_loan, 
              hue="application_type", palette = "hls", ax=ax[1], 
            order=["A",'B','C','D','E','F', 'G'])
sns.boxenplot(x="sub_grade", y="loan_amnt",data=df_loan, 
               palette="hls", ax=ax[2])

plt.show()

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-nC83qjBZ-1620867685972)(output_38_0.png)]

Look at the Employment Title >查看就业头衔

#First plot
trace0 = go.Bar(
    x = df_loan.emp_title.value_counts()[:40].index.values,
    y = df_loan.emp_title.value_counts()[:40].values,
    marker=dict(
        color=df_loan.emp_title.value_counts()[:40].values
    ),
)

data = [trace0]

layout = go.Layout(
    yaxis=dict(
        title='Count'
    ),
    xaxis=dict(
        title='Employment name'
    ),
    title='TOP 40 Employment Title'
)

fig = go.Figure(data=data, layout=layout)

py.iplot(fig, filename='emp-title-bar')

var gd = document.getElementById(‘9fdf2e9c-edce-45c4-8616-aaae98fbbc0e’);
var x = new MutationObserver(function (mutations, observer) {{
var display = window.getComputedStyle(gd).display;
if (!display || display === ‘none’) {{
console.log([gd, ‘removed!’]);
Plotly.purge(gd);
observer.disconnect();
}}
}});

// Listen for the removal of the full notebook cells
var notebookContainer = gd.closest(’#notebook-container’);
if (notebookContainer) {{
x.observe(notebookContainer, {childList: true});
}}

// Listen for the clearing of the current output cell
var outputEl = gd.closest(’.output’);
if (outputEl) {{
x.observe(outputEl, {childList: true});
}}

                    })                };                });            </script>        </div>

Look at the Title 看标题

df_loan.title.value_counts()[:40].index.values

array(['Debt consolidation', 'Credit card refinancing',
       'Home improvement', 'Other', 'Debt Consolidation',
       'Major purchase', 'Business', 'Medical expenses', 'Car financing',
       'Consolidation', 'debt consolidation', 'Moving and relocation',
       'Vacation', 'Debt Consolidation Loan', 'Home buying',
       'Credit Card Consolidation', 'consolidation', 'Personal Loan',
       'Consolidation Loan', 'Home Improvement', 'Credit Card Refinance',
       'Credit Card Payoff', 'Consolidate', 'Personal', 'Loan', 'Freedom',
       'Credit Card Loan', 'personal', 'consolidate', 'personal loan',
       'Debt', 'home improvement', 'Payoff', 'Credit Cards', 'payoff',
       'DEBT CONSOLIDATION', 'Debt Consolidation ',
       'Home Improvement Loan', 'Credit Card', 'credit card payoff'],
      dtype=object)

#First plot
trace0 = go.Bar(
    x = df_loan.title.value_counts()[:40].index.values,
    y = df_loan.title.value_counts()[:40].values,
    marker=dict(
        color=df_loan.title.value_counts()[:40].values
    ),
)

data = [trace0]

layout = go.Layout(
    yaxis=dict(
        title='Count'
    ),
    xaxis=dict(
        title='Title name'
    ),
    title='TOP 40 Title'
)

fig = go.Figure(data=data, layout=layout)

py.iplot(fig, filename='emp-title-bar')

var gd = document.getElementById(‘cb6ab44f-99b4-48e2-bc14-8b20d2d4dfea’);
var x = new MutationObserver(function (mutations, observer) {{
var display = window.getComputedStyle(gd).display;
if (!display || display === ‘none’) {{
console.log([gd, ‘removed!’]);
Plotly.purge(gd);
observer.disconnect();
}}
}});

// Listen for the removal of the full notebook cells
var notebookContainer = gd.closest(’#notebook-container’);
if (notebookContainer) {{
x.observe(notebookContainer, {childList: true});
}}

// Listen for the clearing of the current output cell
var outputEl = gd.closest(’.output’);
if (outputEl) {{
x.observe(outputEl, {childList: true});
}}

                    })                };                });            </script>        </div>

Employment length cross tabs 就业长度交叉表

# emp_lenght description: 
# Employment length in years. Possible values are between 0 and 10 where 0 means 
# less than one year and 10 means ten or more years. 



#  emp_lenght说明：
#  就业年限（以年为单位）。 可能的值在0到10之间，其中0表示
#   少于一年且10表示十年或更长时间。
print(pd.crosstab(df_loan["emp_length"], df_loan["application_type"]))

fig, ax = plt.subplots(2,1, figsize=(12,10))
g = sns.boxplot(x="emp_length", y="int_rate", data=df_loan,
              palette="hls",ax=ax[0],
               order=["n/a",'< 1 year','1 year','2 years','3 years','4 years', '5 years',
                      '6 years', '7 years', '8 years','9 years','10+ years'])

z = sns.violinplot(x="emp_length", y="loan_amnt",data=df_loan, 
               palette="hls", ax=ax[1],
               order=["n/a",'< 1 year','1 year','2 years','3 years','4 years', '5 years',
                      '6 years', '7 years', '8 years','9 years','10+ years'])
               
plt.legend(loc='upper left')
plt.show()

application_type  INDIVIDUAL  JOINT
emp_length                         
1 year                 57064     31
10+ years             291403    166
2 years                78833     37
3 years                69994     32
4 years                52496     33
5 years                55686     18
6 years                42928     22
7 years                44576     18
8 years                43930     25
9 years                34635     22
< 1 year               70559     46


No handles with labels found to put in legend.

[外链图片转存失败,源站可能有防盗链机制,建议将图片保存下来直接上传(img-dEj2j1ar-1620867685973)(output_45_2.png)]

Interesting! We can see that the years do not influence the interest rate but it have a difference considering the loan_amount

有趣的！ 我们可以看到，年份不影响利率，但考虑到loan_amount的金额，它会有差异

Terms

条款

print('Term x application type Description')
print(pd.crosstab(df_loan.term, df_loan.application_type))

#First plot
trace0 = go.Bar(
    x = df_loan.term.value_counts().index.values,
    y = df_loan.term.value_counts().values,
    marker=dict(
        color=df_loan.term.value_counts().values
    ),
)

data = [trace0]

layout = go.Layout(
    yaxis=dict(
        title='Count'
    ),
    xaxis=dict(
        title='Term name'
    ),
    title='Term Distribuition'
)

fig = go.Figure(data=data, layout=layout)

py.iplot(fig, filename='Term-bar')

Term x application type Description
application_type  INDIVIDUAL  JOINT
term                               
 36 months            620886    239
 60 months            265982    272

var gd = document.getElementById(‘2bb0aca8-43fa-40ca-8ea6-79b6f0c00057’);
var x = new MutationObserver(function (mutations, observer) {{
var display = window.getComputedStyle(gd).display;
if (!display || display === ‘none’) {{
console.log([gd, ‘removed!’]);
Plotly.purge(gd);
observer.disconnect();
}}
}});

// Listen for the removal of the full notebook cells
var notebookContainer = gd.closest(’#notebook-container’);
if (notebookContainer) {{
x.observe(notebookContainer, {childList: true});
}}

// Listen for the clearing of the current output cell
var outputEl = gd.closest(’.output’);
if (outputEl) {{
x.observe(outputEl, {childList: true});
}}

                    })                };                });            </script>        </div>

Heatmap crosstabs State by Status 热图交叉表状态显示

#   Exploring the State Adress x Loan Status

# 探索州地址x贷款状态
adress_loan = ['addr_state', 'loan_status']
cm = sns.light_palette("green", as_cmap=True)
pd.crosstab(df_loan[adress_loan[0]], df_loan[adress_loan[1]]).style.background_gradient(cmap = cm)

            <tr>
                    <th id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dflevel0_row0" class="row_heading level0 row0" >AK</th>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow0_col0" class="data row0 col0" >96</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow0_col1" class="data row0 col1" >1469</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow0_col2" class="data row0 col2" >2</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow0_col3" class="data row0 col3" >567</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow0_col4" class="data row0 col4" >15</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow0_col5" class="data row0 col5" >14</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow0_col6" class="data row0 col6" >6</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow0_col7" class="data row0 col7" >31</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow0_col8" class="data row0 col8" >1</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow0_col9" class="data row0 col9" >4</td>
        </tr>
        <tr>
                    <th id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dflevel0_row1" class="row_heading level0 row1" >AL</th>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow1_col0" class="data row1 col0" >662</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow1_col1" class="data row1 col1" >7576</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow1_col2" class="data row1 col2" >9</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow1_col3" class="data row1 col3" >2485</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow1_col4" class="data row1 col4" >111</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow1_col5" class="data row1 col5" >122</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow1_col6" class="data row1 col6" >43</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow1_col7" class="data row1 col7" >160</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow1_col8" class="data row1 col8" >8</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow1_col9" class="data row1 col9" >24</td>
        </tr>
        <tr>
                    <th id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dflevel0_row2" class="row_heading level0 row2" >AR</th>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow2_col0" class="data row2 col0" >337</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow2_col1" class="data row2 col1" >4637</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow2_col2" class="data row2 col2" >8</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow2_col3" class="data row2 col3" >1417</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow2_col4" class="data row2 col4" >57</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow2_col5" class="data row2 col5" >70</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow2_col6" class="data row2 col6" >13</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow2_col7" class="data row2 col7" >86</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow2_col8" class="data row2 col8" >6</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow2_col9" class="data row2 col9" >9</td>
        </tr>
        <tr>
                    <th id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dflevel0_row3" class="row_heading level0 row3" >AZ</th>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow3_col0" class="data row3 col0" >1049</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow3_col1" class="data row3 col1" >13577</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow3_col2" class="data row3 col2" >39</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow3_col3" class="data row3 col3" >5028</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow3_col4" class="data row3 col4" >143</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow3_col5" class="data row3 col5" >193</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow3_col6" class="data row3 col6" >50</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow3_col7" class="data row3 col7" >282</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow3_col8" class="data row3 col8" >18</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow3_col9" class="data row3 col9" >33</td>
        </tr>
        <tr>
                    <th id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dflevel0_row4" class="row_heading level0 row4" >CA</th>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow4_col0" class="data row4 col0" >7332</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow4_col1" class="data row4 col1" >81851</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow4_col2" class="data row4 col2" >211</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow4_col3" class="data row4 col3" >35778</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow4_col4" class="data row4 col4" >906</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow4_col5" class="data row4 col5" >1147</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow4_col6" class="data row4 col6" >327</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow4_col7" class="data row4 col7" >1641</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow4_col8" class="data row4 col8" >101</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow4_col9" class="data row4 col9" >223</td>
        </tr>
        <tr>
                    <th id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dflevel0_row5" class="row_heading level0 row5" >CO</th>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow5_col0" class="data row5 col0" >784</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow5_col1" class="data row5 col1" >12573</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow5_col2" class="data row5 col2" >25</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow5_col3" class="data row5 col3" >4829</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow5_col4" class="data row5 col4" >106</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow5_col5" class="data row5 col5" >166</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow5_col6" class="data row5 col6" >57</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow5_col7" class="data row5 col7" >202</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow5_col8" class="data row5 col8" >13</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow5_col9" class="data row5 col9" >52</td>
        </tr>
        <tr>
                    <th id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dflevel0_row6" class="row_heading level0 row6" >CT</th>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow6_col0" class="data row6 col0" >614</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow6_col1" class="data row6 col1" >9353</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow6_col2" class="data row6 col2" >8</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow6_col3" class="data row6 col3" >3067</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow6_col4" class="data row6 col4" >126</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow6_col5" class="data row6 col5" >139</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow6_col6" class="data row6 col6" >29</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow6_col7" class="data row6 col7" >133</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow6_col8" class="data row6 col8" >12</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow6_col9" class="data row6 col9" >50</td>
        </tr>
        <tr>
                    <th id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dflevel0_row7" class="row_heading level0 row7" >DC</th>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow7_col0" class="data row7 col0" >87</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow7_col1" class="data row7 col1" >1543</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow7_col2" class="data row7 col2" >2</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow7_col3" class="data row7 col3" >750</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow7_col4" class="data row7 col4" >10</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow7_col5" class="data row7 col5" >13</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow7_col6" class="data row7 col6" >0</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow7_col7" class="data row7 col7" >17</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow7_col8" class="data row7 col8" >2</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow7_col9" class="data row7 col9" >8</td>
        </tr>
        <tr>
                    <th id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dflevel0_row8" class="row_heading level0 row8" >DE</th>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow8_col0" class="data row8 col0" >121</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow8_col1" class="data row8 col1" >1730</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow8_col2" class="data row8 col2" >5</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow8_col3" class="data row8 col3" >546</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow8_col4" class="data row8 col4" >21</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow8_col5" class="data row8 col5" >28</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow8_col6" class="data row8 col6" >7</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow8_col7" class="data row8 col7" >31</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow8_col8" class="data row8 col8" >4</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow8_col9" class="data row8 col9" >18</td>
        </tr>
        <tr>
                    <th id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dflevel0_row9" class="row_heading level0 row9" >FL</th>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow9_col0" class="data row9 col0" >3524</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow9_col1" class="data row9 col1" >40999</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow9_col2" class="data row9 col2" >95</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow9_col3" class="data row9 col3" >14021</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow9_col4" class="data row9 col4" >408</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow9_col5" class="data row9 col5" >607</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow9_col6" class="data row9 col6" >162</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow9_col7" class="data row9 col7" >887</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow9_col8" class="data row9 col8" >72</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow9_col9" class="data row9 col9" >160</td>
        </tr>
        <tr>
                    <th id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dflevel0_row10" class="row_heading level0 row10" >GA</th>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow10_col0" class="data row10 col0" >1360</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow10_col1" class="data row10 col1" >19993</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow10_col2" class="data row10 col2" >36</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow10_col3" class="data row10 col3" >6654</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow10_col4" class="data row10 col4" >211</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow10_col5" class="data row10 col5" >308</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow10_col6" class="data row10 col6" >75</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow10_col7" class="data row10 col7" >344</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow10_col8" class="data row10 col8" >35</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow10_col9" class="data row10 col9" >69</td>
        </tr>
        <tr>
                    <th id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dflevel0_row11" class="row_heading level0 row11" >HI</th>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow11_col0" class="data row11 col0" >276</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow11_col1" class="data row11 col1" >2894</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow11_col2" class="data row11 col2" >8</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow11_col3" class="data row11 col3" >1202</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow11_col4" class="data row11 col4" >45</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow11_col5" class="data row11 col5" >42</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow11_col6" class="data row11 col6" >13</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow11_col7" class="data row11 col7" >83</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow11_col8" class="data row11 col8" >2</td>
                    <td id="T_646cfc01_b2ca_11eb_b60c_00e18c9a08dfrow11_col9" class="data row11 col9" >5</td>
        </tr>
        <tr>
                    <th id="T_646cfc01_b2

loan_status	Charged Off	Current	Default	Fully Paid	In Grace Period	Issued	Late (16-30 days)	Late (31-120 days)	NMCP Charged Off	NMCP Fully Paid
addr_state