loan50 <- structure(list(state = structure(c(32L, 6L, 41L, 6L, 36L, 16L, 35L, 25L, 11L, 11L, 21L, 13L, 8L, 30L, 6L, 44L, 13L, 6L, 6L, 11L, 26L, 49L, 50L, 6L, 32L, 20L, 44L, 16L, 40L, 44L, 46L, 34L, 20L, 6L, 15L, 5L, 24L, 15L, 21L, 21L, 6L, 32L, 15L, 23L, 6L, 44L, 34L, 31L, 15L, 44L), .Label = c("", "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DC", "DE", "FL", "GA", "HI", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "UT", "VA", "VT", "WA", "WI", "WV", "WY"), class = "factor"), emp_length = c(3, 10, NA, 0, 4, 6, 2, 10, 6, 3, 8, 10, 10, 2, 5, 2, 5, 3, 3, 10, 10, 10, 0, 1, 5, 2, 5, 5, 10, 0, 0, 5, 4, 7, 5, 0, NA, 2, 5, 3, 10, 6, 10, 0, 5, 10, 0, 2, 2, 9), term = c(60, 36, 36, 36, 60, 36, 36, 36, 60, 60, 36, 36, 36, 36, 36, 60, 60, 60, 36, 60, 36, 60, 36, 36, 60, 36, 36, 36, 60, 36, 36, 36, 60, 36, 36, 36, 36, 36, 36, 36, 60, 36, 60, 36, 36, 36, 36, 36, 36, 36), homeownership = structure(c(1L, 1L, 2L, 1L, 2L, 2L, 1L, 2L, 1L, 2L, 1L, 2L, 1L, 2L, 1L, 2L, 1L, 1L, 1L, 2L, 2L, 2L, 2L, 1L, 2L, 1L, 2L, 3L, 2L, 2L, 1L, 2L, 2L, 1L, 1L, 3L, 2L, 1L, 2L, 1L, 2L, 1L, 1L, 2L, 2L, 2L, 2L, 1L, 3L, 2L), .Label = c("rent", "mortgage", "own"), class = "factor"), annual_income = c(59000, 60000, 75000, 75000, 254000, 67000, 28800, 80000, 34000, 80000, 73000, 120000, 100000, 105000, 34000, 98000, 68700, 43000, 100000, 76000, 80000, 50000, 80000, 185000, 42000, 100000, 65000, 45000, 245000, 50000, 116000, 30000, 80000, 103000, 58000, 55000, 65000, 32000, 325000, 70000, 160000, 50000, 71000, 85000, 87000, 60000, 58500, 50000, 103000, 77500), verified_income = structure(c(2L, 2L, 4L, 2L, 2L, 3L, 3L, 2L, 2L, 3L, 3L, 2L, 3L, 2L, 2L, 4L, 3L, 3L, 3L, 3L, 4L, 4L, 2L, 2L, 3L, 4L, 2L, 2L, 4L, 3L, 3L, 2L, 2L, 3L, 2L, 3L, 2L, 3L, 3L, 3L, 4L, 3L, 2L, 2L, 3L, 2L, 4L, 3L, 2L, 4L), .Label = c("", "Not Verified", "Source Verified", "Verified"), class = "factor"), debt_to_income = c(0.55752542372881353, 1.3056833333333333, 1.0562800000000001, 0.57434666666666667, 0.23814960629921259, 1.0770447761194031, 0.099722222222222226, 0.35091250000000002, 0.69750000000000001, 0.16685416666666666, 0.41432876712328764, 0.79890833333333333, 0.27809, 0.2681904761904762, 0.62929411764705878, 1.1071020408163266, 1.4995487627365356, 0.15465277777777778, 0.13822999999999999, 0.58981578947368418, 0.73730593176348447, 0.52341666666666664, 0.70453750000000004, 0.25467567567567567, 0.08666666666666667, 0.32819629629629632, 0.24273846153846154, 0.15731111111111112, 0.16736326530612244, 0.63967708333333329, 0.58439655172413796, 0.51200892857142855, 0.24454128440366973, 0.2658349514563107, 4.777258620689655, 0.29909090909090907, 0.7522461538461539, 0.72128124999999998, 0.30775076923076922, 5.3337285714285718, 0.33439999999999998, 1.2574399999999999, 0.74252112676056337, 0.81876470588235295, 0.054724137931034485, 0.7311833333333333, 0.39682051282051284, 0.50261999999999996, 0.97359223300970876, 0.67785806451612907 ), total_credit_limit = c(95131L, 51929L, 301373L, 59890L, 422619L, 349825L, 15980L, 258439L, 87705L, 330394L, 36182L, 452712L, 74805L, 279386L, 33038L, 319551L, 119325L, 60693L, 69100L, 249700L, 136046L, 375828L, 197299L, 102500L, 64800L, 144700L, 256974L, 121323L, 495163L, 203326L, 446850L, 190832L, 432092L, 124900L, 236668L, 35900L, 174860L, 45594L, 793009L, 272878L, 581604L, 90398L, 115970L, 131847L, 294946L, 64017L, 49234L, 39814L, 150027L, 390156L), total_credit_utilized = c(32894L, 78341L, 79221L, 43076L, 60490L, 72162L, 2872L, 28073L, 23715L, 32036L, 30246L, 95869L, 27809L, 28160L, 21396L, 108496L, 103019L, 22270L, 13823L, 44826L, 124994L, 87934L, 56363L, 47115L, 3640L, 88613L, 15778L, 7079L, 41004L, 122818L, 67790L, 57345L, 53310L, 27381L, 277081L, 16450L, 48896L, 23081L, 100019L, 373361L, 53504L, 62872L, 52719L, 69595L, 4761L, 43871L, 23214L, 25131L, 100280L, 52534L), num_cc_carrying_balance = c(8L, 2L, 14L, 10L, 2L, 4L, 1L, 3L, 10L, 4L, 3L, 4L, 3L, 2L, 3L, 6L, 5L, 4L, 5L, 10L, 1L, 11L, 6L, 2L, 5L, 4L, 7L, 4L, 6L, 4L, 7L, 6L, 5L, 5L, 5L, 12L, 4L, 4L, 11L, 2L, 3L, 5L, 8L, 3L, 3L, 5L, 2L, 4L, 4L, 2L), loan_purpose = structure(c(4L, 3L, 4L, 3L, 5L, 5L, 4L, 3L, 3L, 4L, 4L, 3L, 3L, 5L, 4L, 3L, 4L, 4L, 10L, 4L, 2L, 4L, 4L, 3L, 6L, 12L, 4L, 4L, 3L, 4L, 4L, 5L, 4L, 10L, 3L, 4L, 3L, 11L, 3L, 10L, 4L, 3L, 2L, 4L, 4L, 5L, 4L, 4L, 4L, 10L), .Label = c("", "car", "credit_card", "debt_consolidation", "home_improvement", "house", "major_purchase", "medical", "moving", "other", "renewable_energy", "small_business", "vacation", "wedding"), class = "factor"), loan_amount = c(22000L, 6000L, 25000L, 6000L, 25000L, 6400L, 3000L, 14500L, 10000L, 18500L, 17000L, 12000L, 16000L, 16500L, 3000L, 29400L, 13500L, 18200L, 6000L, 18000L, 5000L, 40000L, 4500L, 15000L, 20000L, 20000L, 10000L, 9000L, 35000L, 40000L, 13125L, 32000L, 18000L, 30000L, 4400L, 7000L, 25000L, 6500L, 35000L, 7500L, 38500L, 15000L, 24000L, 24000L, 12800L, 6000L, 30000L, 5825L, 20000L, 15000L), grade = structure(c(3L, 3L, 6L, 3L, 3L, 3L, 5L, 2L, 2L, 4L, 5L, 2L, 2L, 2L, 2L, 6L, 5L, 3L, 2L, 5L, 4L, 5L, 3L, 3L, 3L, 2L, 2L, 4L, 3L, 4L, 3L, 3L, 3L, 2L, 5L, 5L, 2L, 2L, 2L, 2L, 4L, 4L, 3L, 3L, 3L, 3L, 5L, 3L, 3L, 2L), .Label = c("", "A", "B", "C", "D", "E", "F", "G"), class = "factor"), interest_rate = c(10.9, 9.9199999999999999, 26.300000000000001, 9.9199999999999999, 9.4299999999999997, 9.9199999999999999, 17.09, 6.0800000000000001, 7.9699999999999998, 12.619999999999999, 17.09, 5.3099999999999996, 7.3499999999999996, 5.3099999999999996, 7.96, 24.850000000000001, 18.059999999999999, 10.42, 7.96, 19.420000000000002, 14.08, 20, 9.4399999999999995, 9.9199999999999999, 10.91, 5.3200000000000003, 6.71, 15.039999999999999, 11.98, 12.619999999999999, 10.91, 9.4399999999999995, 9.9299999999999997, 7.3499999999999996, 18.449999999999999, 17.09, 7.96, 6.0800000000000001, 6.71, 7.3399999999999999, 12.619999999999999, 16.02, 10.9, 9.9299999999999997, 9.4399999999999995, 10.42, 21.449999999999999, 10.91, 9.4299999999999997, 6.0800000000000001), public_record_bankrupt = c(0L, 1L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 1L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 1L, 0L, 0L, 1L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L, 0L), loan_status = structure(c(3L, 3L, 3L, 3L, 3L, 3L, 3L, 3L, 3L, 3L, 3L, 3L, 3L, 3L, 3L, 4L, 3L, 3L, 3L, 3L, 3L, 4L, 4L, 3L, 3L, 3L, 4L, 3L, 3L, 3L, 3L, 3L, 3L, 4L, 3L, 3L, 3L, 3L, 3L, 3L, 3L, 3L, 3L, 4L, 3L, 3L, 3L, 3L, 3L, 3L), .Label = c("", "Charged Off", "Current", "Fully Paid", "In Grace Period", "Late (16-30 days)", "Late (31-120 days)"), class = "factor"), has_second_income = c(FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, TRUE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, TRUE, FALSE, FALSE, TRUE, TRUE, FALSE, FALSE, FALSE, TRUE, FALSE, FALSE, FALSE, TRUE, FALSE, TRUE, TRUE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE, FALSE ), total_income = c(59000, 60000, 75000, 75000, 254000, 67000, 28800, 80000, 34000, 192000, 73000, 120000, 100000, 105000, 34000, 98000, 68700, 144000, 100000, 76000, 169528, 168000, 80000, 185000, 42000, 270000, 65000, 45000, 245000, 192000, 116000, 112000, 218000, 103000, 58000, 55000, 65000, 32000, 325000, 70000, 160000, 50000, 71000, 85000, 87000, 60000, 58500, 50000, 103000, 77500)), row.names = c(NA, -50L), class = c("tbl_df", "tbl", "data.frame"))