NeuralTools Example: Auto Loans with Evolver

This example requires the Industrial Edition of NeuralTools, since it uses the Live Prediction feature.
NeuralTools can be used to predict unknown values of a category dependent variable from known values of numeric and
category independent variables. In this example, a neural net learns to predict whether an auto loan applicant will be
making timely payments, late payments, or default on the loan.
The data set contains information on applicants who took car loans in the past, except for the first row, which contains
data on a new applicant. In this file, the neural network is already trained and tested using the historical data. Look at the
Summary Report tab, paying special attention to the percent incorrect predictions on the testing set. In additon, as part of
Auto-Testing, the Detailed Report to the right of the data set below provides the prediction for every testing case.
Also in the Detailed Report, Auto-Prediction provides the predicted outcome for the new applicant in the first row, along
with the probability of that outcome. With Live Prediction enabled, the prediction and the probability change as independent
values change. For example, with a lower loan amount, the predicted probability of this applicant falling within the "timely
payments" classification typically will be higher. Cells J21 and K21 contain the prediction and its probability for the new loan
applicant.
Evolver can be used to find the loan amount that will raise the probability that this applicant falls in the "timely payments"
category to 90%. First we need to tell Evolver that as the loan amount in cell F21 changes, the value in cell J21 should
remain "timely payments", as opposed to changing to "late payments" or "default".
Select K21 as the Target Cell in the Evolver Model window. For Optimization Goal, select Target Value and type 0.9. In
Adjustable Cell Ranges, select F21 with a range of 0 to 20,000. Under Constraints, add the constraint for "timely payments"
in cell J21. Finally click Start to find the answer.

Train-Test-Predict Repo
Status Age State Housing Salary Loan Amount Outcome Tag Used
new applicant 40 NJ rent 30000 1328 predict
past applicant 28 CT own 66000 19300 timely payments test
past applicant 22 CT rent 88000 19100 timely payments train
past applicant 38 CT rent 70000 7100 timely payments train
past applicant 35 CT rent 46000 34100 late payments train
past applicant 30 NY rent 82000 15500 timely payments train
past applicant 22 CT rent 37000 22200 late payments train
past applicant 51 NJ own 57000 9300 timely payments train
past applicant 43 NJ own 43000 31100 timely payments test
past applicant 48 NY rent 58000 21400 timely payments train
past applicant 59 NJ rent 45000 34800 late payments train
past applicant 36 NY rent 90000 31700 timely payments train
past applicant 21 CT rent 17000 11300 default train
past applicant 20 CT own 95000 15700 timely payments test
past applicant 35 NY rent 92000 7100 timely payments train
past applicant 29 NY own 82000 28600 timely payments train
past applicant 44 NY own 84000 9100 timely payments train
past applicant 46 NJ own 45000 31700 timely payments train
past applicant 38 NY own 35000 23200 timely payments train
past applicant 53 CT own 42000 24500 timely payments train
past applicant 48 NJ own 46000 23700 timely payments train
past applicant 27 CT own 28000 17100 late payments test
past applicant 41 NY own 52000 9600 timely payments train
past applicant 54 CT own 94000 22400 timely payments train
past applicant 57 NJ own 37000 9900 timely payments train
past applicant 37 NY rent 85000 11100 timely payments test
past applicant 22 NY rent 24000 5000 timely payments train
past applicant 59 NY own 32000 16100 timely payments train
past applicant 37 CT rent 67000 8500 timely payments train
past applicant 24 NJ rent 40000 5200 timely payments train
past applicant 30 NJ own 31000 9700 timely payments train
past applicant 28 NY own 45000 16700 timely payments test
past applicant 34 CT rent 78000 26900 timely payments test
past applicant 24 NY own 59000 10000 timely payments train
past applicant 40 NY rent 28000 13200 timely payments train
past applicant 21 NY own 85000 14800 timely payments test
past applicant 21 NJ rent 79000 33300 timely payments train
past applicant 39 CT own 61000 15500 timely payments train
past applicant 33 CT rent 90000 24300 timely payments train
past applicant 51 NJ rent 51000 9400 timely payments train
past applicant 40 NJ own 67000 19300 timely payments train
past applicant 60 NY own 80000 8100 timely payments train
past applicant 39 NJ rent 41000 8800 timely payments train
past applicant 27 NJ own 34000 23600 late payments train
past applicant 35 NY rent 33000 28900 late payments train
past applicant 60 NJ own 82000 22200 timely payments train
past applicant 29 NJ rent 17000 19900 default train
past applicant 29 NJ own 25000 32300 late payments test
past applicant 39 CT rent 68000 17900 timely payments train
past applicant 39 NJ own 37000 17400 timely payments train
past applicant 37 NY rent 45000 14100 timely payments test
past applicant 30 NJ rent 26000 33600 default train
past applicant 23 NY own 66000 25200 timely payments train
past applicant 30 NJ rent 26000 19300 default train
past applicant 20 NJ rent 88000 19300 timely payments train
past applicant 47 CT own 73000 13900 timely payments train
past applicant 55 CT rent 32000 34200 default train
past applicant 31 NJ own 41000 28200 timely payments train
past applicant 57 NJ own 54000 10800 timely payments test
past applicant 35 NY own 89000 34000 timely payments train
past applicant 47 CT rent 24000 29800 default train
past applicant 60 NJ own 67000 10200 timely payments test
past applicant 48 CT rent 49000 23000 late payments train
past applicant 38 NY own 16000 6400 timely payments train
past applicant 41 NY rent 62000 11800 timely payments test
past applicant 24 NY rent 80000 31100 timely payments train
past applicant 32 CT own 87000 34800 timely payments train
past applicant 26 NY own 61000 13500 timely payments train
past applicant 20 NJ rent 30000 33800 default train
past applicant 21 NJ own 50000 24200 timely payments train
past applicant 40 CT rent 89000 26100 timely payments test
past applicant 59 CT own 78000 9900 timely payments train
past applicant 32 NJ own 83000 17600 timely payments train
past applicant 29 NY rent 63000 14400 timely payments train
past applicant 56 CT rent 63000 23500 timely payments train
past applicant 36 NY rent 82000 14300 timely payments train
past applicant 27 CT own 84000 32200 timely payments train
past applicant 52 NJ own 21000 12700 timely payments train
past applicant 51 NJ rent 43000 30000 late payments test
past applicant 21 NJ rent 74000 7500 timely payments train
past applicant 28 CT own 21000 8000 timely payments test
past applicant 33 NJ own 67000 23700 timely payments train
past applicant 57 NY rent 90000 23700 timely payments train
past applicant 52 CT rent 72000 10400 timely payments train
past applicant 44 NJ own 42000 26600 timely payments train
past applicant 43 CT rent 62000 15600 timely payments train
past applicant 26 NY own 86000 7400 timely payments train
past applicant 48 NY own 80000 15200 timely payments train
past applicant 25 NJ rent 28000 18700 late payments train
past applicant 25 NJ own 36000 11200 timely payments test
past applicant 53 NJ own 92000 14600 timely payments train
past applicant 44 NJ rent 29000 26700 default train
past applicant 55 CT rent 69000 31200 timely payments train
past applicant 38 CT own 49000 33900 timely payments test
past applicant 49 NY own 62000 8100 timely payments train
past applicant 50 NY own 51000 12600 timely payments train
past applicant 38 NY own 43000 29200 timely payments train
past applicant 30 NJ rent 95000 9200 timely payments train
past applicant 22 CT own 66000 8900 timely payments train
past applicant 53 CT own 52000 15500 timely payments train
past applicant 22 NJ rent 62000 27200 late payments test
past applicant 53 NJ rent 30000 12500 late payments train
past applicant 56 NJ own 59000 25100 timely payments train
past applicant 59 CT rent 18000 13800 late payments train
past applicant 38 NJ own 25000 16900 late payments train
past applicant 22 NY rent 55000 19000 timely payments test
past applicant 32 NJ own 65000 9100 timely payments train
past applicant 50 CT own 47000 5900 timely payments train
past applicant 29 CT rent 76000 33800 timely payments train
past applicant 37 CT own 47000 18700 timely payments test
past applicant 29 NJ own 32000 20600 late payments train
past applicant 44 NJ rent 34000 9500 timely payments train
past applicant 43 NJ own 64000 28300 timely payments train
past applicant 26 NY own 84000 14700 timely payments train
past applicant 38 NJ rent 79000 14100 timely payments train
past applicant 55 CT rent 38000 24200 late payments test
past applicant 33 CT own 92000 31100 timely payments train
past applicant 51 NY rent 80000 11500 timely payments train
past applicant 44 NY rent 32000 20800 late payments train
past applicant 20 NY own 52000 31900 timely payments train
past applicant 31 CT own 88000 27000 timely payments test
past applicant 58 NJ rent 76000 31400 timely payments test
past applicant 22 NJ own 61000 21000 timely payments test
past applicant 30 CT rent 64000 23400 timely payments test
past applicant 33 CT own 78000 31200 timely payments test
past applicant 60 CT own 72000 13300 timely payments train
past applicant 50 CT rent 75000 33300 timely payments test
past applicant 52 NJ rent 49000 20600 timely payments train
past applicant 29 NY own 84000 29400 timely payments train
past applicant 25 CT own 89000 9300 timely payments train
past applicant 33 NJ rent 75000 19500 timely payments test
past applicant 52 NJ own 27000 12800 timely payments train
past applicant 28 NY own 19000 11100 timely payments train
past applicant 24 NJ own 38000 21500 timely payments train
past applicant 41 NY own 93000 18000 timely payments train
past applicant 27 CT rent 58000 9800 timely payments test
past applicant 57 NJ rent 89000 16300 timely payments test
past applicant 54 CT own 22000 21800 late payments train
past applicant 21 CT rent 69000 25300 timely payments test
past applicant 48 CT own 59000 21900 timely payments train
past applicant 21 CT own 46000 5600 timely payments train
past applicant 58 NJ own 95000 31800 timely payments train
past applicant 42 NY rent 33000 26000 late payments train
past applicant 28 CT rent 23000 10300 late payments train
past applicant 31 CT own 38000 12500 timely payments train
past applicant 51 NY rent 52000 26600 timely payments train
past applicant 29 NY rent 65000 29200 timely payments train
past applicant 48 CT own 94000 12100 timely payments train
past applicant 29 NY own 91000 15400 timely payments train
past applicant 49 NJ own 60000 24900 timely payments train
past applicant 49 NJ rent 28000 30600 default test
past applicant 40 NJ own 53000 20300 timely payments test
past applicant 43 CT own 40000 26200 timely payments train
past applicant 34 CT own 65000 33900 timely payments test
past applicant 26 NY own 34000 11800 timely payments train
past applicant 33 NY rent 91000 26600 timely payments train
past applicant 44 NJ own 27000 24700 late payments train
past applicant 46 CT own 84000 33000 timely payments train
past applicant 23 NJ own 52000 28100 timely payments test
past applicant 52 NY rent 21000 11500 late payments test
past applicant 47 CT rent 27000 18000 late payments train
past applicant 24 NY own 86000 20900 timely payments train
past applicant 29 CT rent 32000 15500 late payments train
past applicant 45 CT rent 84000 13600 timely payments train
past applicant 45 NY rent 69000 26000 timely payments train
past applicant 36 NJ rent 29000 13900 late payments train
past applicant 36 NY own 23000 18800 timely payments train
past applicant 23 CT own 91000 6100 timely payments train
past applicant 25 NJ own 15000 32000 default train
past applicant 29 NJ rent 37000 5200 timely payments train
past applicant 26 NJ own 68000 8400 timely payments train
past applicant 35 NY own 65000 9000 timely payments train
past applicant 39 NY rent 35000 9700 timely payments test
past applicant 30 NY own 32000 9000 timely payments test
past applicant 40 NJ own 26000 27600 late payments train
past applicant 42 CT rent 41000 13500 timely payments train
past applicant 34 NJ rent 86000 7100 timely payments train
past applicant 52 NJ own 22000 11200 timely payments train
past applicant 24 CT own 19000 28300 default train
past applicant 36 CT rent 93000 32300 timely payments train
past applicant 49 NJ own 66000 10600 timely payments train
past applicant 38 NJ rent 21000 29600 default train
past applicant 32 CT rent 39000 25000 late payments train
past applicant 25 NJ rent 64000 34300 late payments train
past applicant 30 NY own 30000 31000 late payments train
past applicant 38 CT rent 83000 8800 timely payments train
past applicant 49 CT rent 19000 18300 default train
past applicant 25 CT own 85000 25300 timely payments train
past applicant 40 NY own 18000 6300 timely payments train
past applicant 21 NJ rent 86000 29400 timely payments train
past applicant 48 NJ own 60000 15300 timely payments train
past applicant 27 NJ rent 41000 22500 late payments train
past applicant 52 NY rent 28000 8400 timely payments train
past applicant 56 NY own 31000 23900 timely payments test
past applicant 55 NY rent 16000 22100 late payments train
past applicant 52 NY own 64000 17200 timely payments train
past applicant 35 NY own 92000 31500 timely payments test
past applicant 49 CT own 40000 29400 timely payments train
past applicant 51 NY own 93000 13800 timely payments train
past applicant 25 CT own 67000 23200 timely payments test
past applicant 36 CT own 23000 9200 timely payments train
past applicant 46 NJ own 28000 9800 timely payments test
past applicant 25 NJ rent 46000 23600 late payments train
past applicant 25 NJ own 57000 10400 timely payments train
past applicant 24 NY rent 35000 24700 late payments train
past applicant 28 NY rent 34000 31700 late payments train
past applicant 59 NJ own 65000 21600 timely payments train
past applicant 40 NY own 72000 7200 timely payments train
past applicant 28 NY own 67000 32400 timely payments train
past applicant 24 NY own 63000 19000 timely payments train
past applicant 53 CT rent 52000 15100 timely payments test
past applicant 51 NY rent 84000 23800 timely payments train
past applicant 48 CT own 57000 19500 timely payments train
past applicant 26 NY own 38000 16100 timely payments train
past applicant 38 CT own 20000 32400 default train
past applicant 35 NY own 55000 24600 timely payments test
past applicant 55 CT rent 55000 34000 late payments train
past applicant 46 NY rent 44000 11600 timely payments train
past applicant 54 NJ own 20000 32800 late payments train
past applicant 53 NJ own 79000 27600 timely payments train
past applicant 25 NJ rent 35000 20300 late payments train
past applicant 22 CT rent 66000 6500 timely payments train
past applicant 43 NJ rent 29000 5700 timely payments train
past applicant 29 NY rent 88000 20800 timely payments test
past applicant 49 CT rent 94000 15600 timely payments test
past applicant 58 CT own 92000 29100 timely payments test
past applicant 29 CT rent 39000 17400 late payments train
past applicant 31 CT own 42000 24900 timely payments train
past applicant 22 NJ own 41000 24900 timely payments test
past applicant 22 NJ own 16000 9400 late payments test
past applicant 50 CT rent 80000 9200 timely payments train
past applicant 32 NY rent 85000 18500 timely payments train
past applicant 50 CT own 61000 33400 timely payments train
past applicant 41 NJ own 64000 18800 timely payments test
past applicant 33 NJ own 87000 7900 timely payments train
past applicant 22 NJ rent 21000 14800 default train
past applicant 38 NY own 16000 21700 late payments train
past applicant 57 NJ rent 37000 34900 late payments train
past applicant 52 NY own 68000 18800 timely payments train
past applicant 50 NJ own 51000 12400 timely payments train
past applicant 58 CT own 48000 12800 timely payments train
past applicant 54 NY rent 26000 17500 late payments test
past applicant 58 NJ rent 43000 25300 late payments train
past applicant 39 NJ rent 33000 15500 late payments train
past applicant 30 NJ rent 82000 13400 timely payments train
past applicant 60 NJ rent 86000 17500 timely payments train
past applicant 54 NJ rent 58000 24600 timely payments train
past applicant 36 NJ rent 90000 18700 timely payments train
past applicant 27 NJ own 35000 25200 late payments train
past applicant 29 CT own 51000 9700 timely payments train
past applicant 26 NY own 58000 25100 timely payments train
past applicant 41 CT own 88000 26400 timely payments train
past applicant 55 NY own 76000 8500 timely payments train
past applicant 32 NJ rent 34000 29100 default train
past applicant 56 NJ rent 92000 10200 timely payments train
past applicant 26 CT rent 90000 9600 timely payments train
past applicant 21 NY rent 43000 5200 timely payments train
past applicant 33 NJ rent 40000 7700 timely payments train
past applicant 34 NY own 85000 12200 timely payments test
past applicant 44 NY own 53000 30700 timely payments train
past applicant 35 NJ rent 74000 30900 timely payments train
past applicant 52 CT rent 42000 14700 timely payments train
past applicant 27 NY own 82000 14900 timely payments train
past applicant 42 NY rent 90000 9900 timely payments train
past applicant 47 CT own 59000 23800 timely payments train
past applicant 55 NJ rent 28000 24500 late payments train
past applicant 49 NJ own 37000 15600 timely payments train
past applicant 25 NJ own 47000 19300 timely payments test
past applicant 38 NY own 40000 6100 timely payments train
past applicant 53 NY own 25000 6600 timely payments test
past applicant 31 NJ own 34000 26500 late payments train
past applicant 57 NY own 78000 24900 timely payments train
past applicant 50 NY own 33000 16500 timely payments train
past applicant 47 NJ own 55000 23700 timely payments train
past applicant 25 CT own 40000 16800 timely payments train
past applicant 48 NY own 43000 17500 timely payments test
past applicant 48 NY rent 65000 19000 timely payments train
past applicant 37 NJ own 34000 6200 timely payments train
past applicant 32 NY rent 66000 18500 timely payments test
past applicant 21 CT own 22000 30500 default train
past applicant 41 CT own 27000 34000 late payments test
past applicant 49 NJ own 89000 7000 timely payments train
past applicant 50 CT own 92000 10700 timely payments train
past applicant 31 NJ own 57000 24100 timely payments train
past applicant 54 CT rent 68000 13300 timely payments train
past applicant 46 CT own 88000 27900 timely payments test
past applicant 42 NJ own 27000 34100 late payments train
past applicant 43 NY rent 31000 26900 late payments test
past applicant 44 NY rent 41000 9900 timely payments test
past applicant 38 CT rent 67000 22600 timely payments train
past applicant 43 NY rent 26000 23500 late payments train
past applicant 26 NJ rent 17000 27900 default train
past applicant 33 NY own 58000 9600 timely payments train
past applicant 44 CT rent 65000 33100 late payments train
past applicant 47 NY rent 24000 33000 default train
past applicant 45 NJ rent 55000 12200 timely payments train
past applicant 58 CT own 17000 7200 timely payments test
past applicant 26 NY rent 34000 13400 timely payments test
past applicant 31 CT own 83000 14900 timely payments train
past applicant 31 CT rent 82000 5500 timely payments train
past applicant 37 NY own 82000 6100 timely payments train
past applicant 52 CT rent 67000 32800 timely payments train
past applicant 51 CT own 62000 26100 timely payments train
past applicant 27 NJ own 83000 8100 timely payments train
past applicant 49 CT own 76000 13800 timely payments train
past applicant 44 CT rent 36000 17400 late payments test
past applicant 53 CT rent 28000 21200 late payments train
past applicant 35 NJ own 50000 14000 timely payments train
past applicant 49 NJ own 62000 13700 timely payments test
past applicant 30 CT rent 21000 16100 default train
past applicant 35 NY rent 92000 32200 timely payments train
past applicant 23 NY rent 84000 15800 timely payments test
past applicant 39 NJ rent 90000 32700 timely payments train
past applicant 52 NY own 52000 11600 timely payments train
past applicant 48 NJ rent 92000 18200 timely payments train
past applicant 35 NY own 61000 17000 timely payments train
past applicant 32 NY own 19000 13400 timely payments train
past applicant 20 NJ rent 28000 28100 default test
past applicant 37 NY own 76000 20400 timely payments train
past applicant 24 NJ own 61000 10500 timely payments train
past applicant 54 CT own 40000 25100 timely payments train
past applicant 36 NY rent 29000 27400 late payments train
past applicant 34 CT rent 68000 13200 timely payments train
past applicant 31 CT own 85000 29500 timely payments train
past applicant 31 NJ rent 92000 34100 timely payments train
past applicant 33 CT rent 19000 26300 default train
past applicant 45 NJ rent 91000 24700 timely payments train
past applicant 21 NY own 62000 20400 timely payments test
past applicant 56 NY own 33000 18900 timely payments train
past applicant 40 NY own 88000 18500 timely payments train
past applicant 23 NY own 62000 12100 timely payments train
past applicant 45 NJ own 78000 10100 timely payments train
past applicant 37 CT own 48000 15100 timely payments train
past applicant 24 NJ rent 46000 13200 timely payments test
past applicant 55 NJ own 88000 26700 timely payments test
past applicant 26 NY rent 93000 13800 timely payments train
past applicant 50 NJ rent 92000 29700 timely payments train
past applicant 25 NY rent 54000 7200 timely payments train
past applicant 42 NY rent 28000 8100 timely payments train
past applicant 36 CT rent 21000 6300 late payments train
past applicant 30 CT own 61000 23400 timely payments test
past applicant 24 NY rent 28000 29600 default train
past applicant 56 NY own 72000 25800 timely payments train
past applicant 23 NY own 23000 34000 late payments test
past applicant 55 NJ rent 66000 26700 timely payments train
past applicant 27 CT rent 86000 16300 timely payments train
past applicant 36 NJ own 23000 24200 late payments train
past applicant 43 NY own 18000 12000 timely payments train
past applicant 20 NJ own 59000 23900 timely payments test
past applicant 29 NJ own 85000 20700 timely payments train
past applicant 37 CT own 17000 27200 default test
past applicant 58 CT own 16000 7400 timely payments test
past applicant 45 CT own 65000 9900 timely payments train
past applicant 42 CT rent 44000 32800 late payments train
past applicant 46 CT own 61000 25600 timely payments train
past applicant 34 NJ own 59000 15400 timely payments train
past applicant 25 CT own 42000 20100 timely payments train
past applicant 20 NJ own 82000 22300 timely payments train
past applicant 57 CT rent 28000 25300 late payments train
past applicant 51 NY own 31000 32200 timely payments train
past applicant 59 NY own 25000 20100 timely payments train
past applicant 22 CT rent 19000 26700 default train
past applicant 42 CT own 81000 31200 timely payments test
past applicant 20 NJ own 95000 6700 timely payments train
past applicant 49 NY rent 94000 17700 timely payments train
past applicant 56 NY rent 76000 24400 timely payments train
past applicant 29 NJ own 53000 33200 timely payments train
past applicant 30 NY rent 26000 6100 timely payments train
past applicant 35 NY rent 70000 10600 timely payments train
past applicant 32 CT rent 27000 24000 default train
past applicant 40 NJ own 33000 29300 late payments train
past applicant 37 CT rent 48000 18600 timely payments train
past applicant 57 NY rent 61000 19600 timely payments train
past applicant 57 CT rent 34000 8900 timely payments train
past applicant 28 NJ rent 86000 8100 timely payments train
past applicant 43 NJ own 25000 19900 late payments train
past applicant 43 NJ rent 86000 5700 timely payments train
past applicant 28 CT own 95000 27800 timely payments train
past applicant 36 NJ own 65000 23100 timely payments train
past applicant 26 CT rent 69000 9800 timely payments train
past applicant 26 NJ own 94000 22900 timely payments train
past applicant 58 NJ rent 41000 30300 late payments train
past applicant 58 CT rent 37000 14500 timely payments train
past applicant 26 CT own 94000 30600 timely payments train
past applicant 34 NJ own 37000 10800 timely payments train
past applicant 25 CT rent 68000 26200 timely payments train
past applicant 45 NY rent 87000 32600 timely payments test
past applicant 32 CT rent 73000 34000 timely payments train
past applicant 32 NY rent 52000 8200 timely payments train
past applicant 22 NJ own 68000 17400 timely payments train
past applicant 46 NJ rent 70000 12300 timely payments train
past applicant 48 NJ own 18000 8600 timely payments test
past applicant 54 NY own 80000 17000 timely payments train
past applicant 35 NJ rent 63000 28600 timely payments train
past applicant 38 CT rent 74000 33700 timely payments train
past applicant 36 NJ own 24000 32000 late payments train
past applicant 47 NJ own 71000 31500 timely payments train
past applicant 53 NY rent 52000 14600 timely payments train
past applicant 22 CT own 89000 17000 timely payments test
past applicant 34 CT rent 31000 6100 timely payments test
past applicant 24 CT rent 49000 13400 timely payments train
past applicant 46 CT own 53000 25000 timely payments train
past applicant 29 NY own 44000 9600 timely payments train
past applicant 49 NJ rent 94000 27100 timely payments test
past applicant 47 NJ own 20000 20800 late payments train
past applicant 20 CT rent 94000 21300 timely payments train
past applicant 38 NJ own 72000 23100 timely payments train
past applicant 41 NJ rent 86000 5600 timely payments train
past applicant 53 NY own 26000 33900 late payments train
past applicant 34 NY own 61000 31000 timely payments test
past applicant 46 NJ own 22000 20500 late payments test
past applicant 41 NJ own 75000 24800 timely payments train
past applicant 44 CT rent 19000 28400 default train
past applicant 55 NY own 86000 23200 timely payments train
past applicant 35 CT rent 62000 6500 timely payments train
past applicant 20 NJ own 75000 31400 timely payments train
past applicant 26 NJ rent 41000 13900 late payments train
past applicant 54 NJ rent 71000 10900 timely payments train
past applicant 38 CT rent 48000 22900 late payments train
past applicant 49 CT rent 40000 7500 timely payments train
past applicant 25 NY rent 16000 29500 default train
past applicant 21 NJ rent 27000 32300 default train
past applicant 26 CT own 16000 16100 late payments test
past applicant 52 NY own 71000 23200 timely payments train
past applicant 40 NY rent 75000 29400 timely payments train
past applicant 47 NJ rent 82000 18100 timely payments train
past applicant 24 CT own 23000 27700 late payments train
past applicant 39 NJ own 90000 25500 timely payments test
past applicant 43 CT own 57000 26400 timely payments train
past applicant 20 CT own 76000 5400 timely payments train
past applicant 52 CT rent 55000 19100 timely payments train
past applicant 46 CT rent 78000 16600 timely payments train
past applicant 44 NY own 59000 8200 timely payments train
past applicant 22 CT rent 67000 17800 timely payments train
past applicant 32 NY own 22000 23300 late payments train
past applicant 58 CT own 84000 11100 timely payments train
past applicant 30 NJ own 57000 7500 timely payments train
past applicant 47 CT rent 83000 6400 timely payments train
past applicant 21 CT rent 86000 29500 timely payments test
past applicant 57 CT rent 90000 19400 timely payments train
past applicant 42 NY rent 78000 8900 timely payments train
past applicant 28 CT rent 17000 24300 default train
past applicant 47 NY own 29000 21000 timely payments train
past applicant 30 CT rent 94000 19200 timely payments train
past applicant 51 CT own 32000 9400 timely payments test
past applicant 56 NJ own 48000 14800 timely payments train
past applicant 39 NY rent 78000 16300 timely payments train
past applicant 28 NY own 70000 16600 timely payments test
past applicant 47 NJ own 51000 29600 timely payments train
past applicant 28 NJ rent 37000 8700 timely payments train
past applicant 38 NY rent 69000 32500 timely payments test
past applicant 55 NJ own 30000 10100 timely payments train
past applicant 27 NY rent 85000 30300 timely payments train
past applicant 28 CT own 91000 25500 timely payments train
past applicant 20 NJ rent 93000 26600 timely payments train
past applicant 46 NJ own 64000 22400 timely payments train
past applicant 42 NY rent 35000 17200 timely payments train
past applicant 49 NY own 50000 22400 timely payments test
past applicant 51 CT rent 89000 12200 timely payments train
past applicant 27 NJ rent 52000 18500 timely payments train
past applicant 23 NJ own 74000 24000 timely payments train
past applicant 24 NJ own 29000 31400 late payments train
past applicant 37 NJ rent 22000 6700 late payments train
past applicant 59 NJ own 74000 34400 timely payments train
past applicant 27 NJ own 56000 28100 timely payments train
past applicant 23 NJ rent 62000 31900 late payments train
past applicant 43 CT rent 89000 6300 timely payments test
past applicant 52 NY rent 63000 21100 timely payments train
past applicant 57 CT rent 23000 20500 late payments train
past applicant 47 NY rent 39000 25000 late payments train
past applicant 46 CT own 92000 30400 timely payments train
past applicant 54 CT own 57000 9700 timely payments test
past applicant 38 CT own 69000 30900 timely payments train
past applicant 39 NY own 54000 26500 timely payments test
past applicant 59 NY rent 72000 32300 timely payments train
past applicant 35 NY own 50000 18900 timely payments test
past applicant 43 NJ rent 52000 16400 timely payments train
past applicant 21 CT own 70000 7500 timely payments train
past applicant 33 CT rent 36000 32200 default train
past applicant 44 NY own 80000 31300 timely payments train
past applicant 44 NJ rent 37000 19800 late payments train
past applicant 23 NY own 41000 31200 timely payments train
past applicant 56 NJ rent 29000 8100 timely payments test
past applicant 38 CT rent 59000 6200 timely payments train
past applicant 46 NY rent 68000 8400 timely payments test
past applicant 39 CT own 19000 28500 late payments train
past applicant 45 CT own 47000 30900 timely payments train
past applicant 50 NY own 46000 10900 timely payments train
past applicant 57 CT own 23000 10600 timely payments test
past applicant 57 NJ own 50000 34100 timely payments train
past applicant 35 CT rent 58000 9000 timely payments train
past applicant 27 CT rent 49000 28300 late payments train
past applicant 51 NY own 94000 6400 timely payments train
past applicant 37 NY rent 87000 16500 timely payments test
past applicant 41 NJ rent 92000 24700 timely payments train
past applicant 57 NY own 60000 19200 timely payments train
past applicant 22 NJ rent 38000 33900 default train
past applicant 54 NJ own 39000 34400 late payments train
past applicant 20 NY own 68000 5600 timely payments train
past applicant 50 NJ own 38000 14900 timely payments test
past applicant 46 NJ own 44000 34100 timely payments test
Train-Test-Predict Report for "Net Trained on Auto Loan Data"
Prediction Prediction% Incorrect% Good/Bad
#ADDIN? #ADDIN?
timely payments 100.00% 0.00% Good

timely payments 90.84% 9.16% Good

timely payments 100.00% 0.00% Good

late payments 84.42% 15.58% Good

timely payments 100.00% 0.00% Good

timely payments 99.91% 0.09% Good
timely payments 99.95% 0.05% Good

timely payments 100.00% 0.00% Good

late payments 75.37% 24.63% Good

timely payments 98.63% 1.37% Good

timely payments 100.00% 0.00% Good

timely payments 100.00% 0.00% Good

timely payments 100.00% 0.00% Good

timely payments 100.00% 0.00% Good

late payments 92.80% 7.20% Good

timely payments 95.89% 4.11% Good

timely payments 99.39% 0.61% Good

timely payments 97.63% 2.37% Good

timely payments 78.30% 78.30% Bad

timely payments 99.42% 0.58% Good

timely payments 99.08% 0.92% Good

late payments 90.68% 9.32% Good

timely payments 100.00% 0.00% Good

timely payments 99.23% 0.77% Good
timely payments 100.00% 0.00% Good
timely payments 99.70% 0.30% Good
timely payments 100.00% 0.00% Good

timely payments 98.51% 1.49% Good

timely payments 100.00% 0.00% Good

timely payments 100.00% 0.00% Good
timely payments 100.00% 0.00% Good

timely payments 99.35% 0.65% Good

default 88.03% 11.97% Good

timely payments 99.59% 0.41% Good

timely payments 96.70% 3.30% Good

timely payments 99.33% 0.67% Good

timely payments 94.24% 95.21% Bad

timely payments 98.56% 1.44% Good

timely payments 99.98% 0.02% Good
timely payments 94.30% 5.70% Good

timely payments 100.00% 0.00% Good

timely payments 100.00% 0.00% Good

timely payments 98.51% 1.49% Good

timely payments 99.08% 0.92% Good

timely payments 99.98% 0.02% Good

timely payments 100.00% 0.00% Good

timely payments 100.00% 0.00% Good
timely payments 100.00% 0.00% Good

timely payments 77.90% 22.10% Good

timely payments 89.98% 96.44% Bad

timely payments 100.00% 0.00% Good

timely payments 50.68% 52.47% Bad

timely payments 100.00% 0.00% Good

timely payments 98.54% 1.46% Good

timely payments 99.90% 0.10% Good

timely payments 99.79% 0.21% Good

timely payments 100.00% 0.00% Good

late payments 86.05% 13.95% Good

timely payments 100.00% 0.00% Good

late payments 92.63% 7.37% Good

timely payments 99.62% 0.38% Good

timely payments 97.58% 2.42% Good

timely payments 91.51% 8.49% Good

late payments 74.76% 25.24% Good

timely payments 100.00% 0.00% Good

timely payments 100.00% 0.00% Good

default 93.19% 6.81% Good

timely payments 100.00% 0.00% Good

timely payments 70.12% 29.88% Good

timely payments 100.00% 0.00% Good
timely payments 100.00% 0.00% Good

late payments 84.58% 15.42% Good

timely payments 99.98% 0.02% Good

late payments 58.65% 58.65% Bad

timely payments 97.60% 2.40% Good

timely payments 100.00% 0.00% Good

timely payments 100.00% 0.00% Good

timely payments 98.22% 1.78% Good

timely payments 100.00% 0.00% Good

timely payments 90.93% 9.07% Good

timely payments 100.00% 0.00% Good

timely payments 99.92% 0.08% Good

late payments 97.89% 2.11% Good

late payments 51.10% 48.90% Good

timely payments 100.00% 0.00% Good

timely payments 100.00% 0.00% Good

timely payments 99.45% 0.55% Good

timely payments 100.00% 0.00% Good

timely payments 98.10% 1.90% Good

timely payments 99.23% 0.77% Good

timely payments 100.00% 0.00% Good

timely payments 100.00% 0.00% Good

timely payments 99.98% 0.02% Good

timely payments 99.83% 0.17% Good

timely payments 73.76% 26.24% Good

timely payments 100.00% 0.00% Good

timely payments 98.56% 1.44% Good

timely payments 100.00% 0.00% Good

timely payments 98.75% 1.25% Good

timely payments 77.23% 22.77% Good
 NeuralTools (Report: Neural Net Training, Auto-Testing, and Auto-Prediction)
Created for:
Date: Friday, November 11, 2005

Summary
Net Information
Name Net Trained on Auto Loan Data
Configuration PNN Category Predictor
Location Auto Loans with Solver.xls
Independent Category Variables 2 (State, Housing)
Independent Numeric Variables 3 (Age, Salary, Loan Amount)
Dependent Variable Category Var. (Outcome)
Training
Number of Cases 400
Training Time (h:min:sec) 0:00:04
Number of Trials 102
Reason Stopped Auto-Stopped
% Bad Predictions 0.2500%
Mean Incorrect Probability 4.9940%
Std. Deviation of Incorrect Prob. 9.8362%
Testing
Number of Cases 100
% Bad Predictions 5.0000%
Mean Incorrect Probability 7.3950%
Std. Deviation of Incorrect Prob. 18.1238%
Prediction
Number of Cases 1
Live Prediction Enabled YES
Data Set
Name Auto Loan Data
Number of Rows 501
Manual Case Tags NO
Variable Impact Analysis
Salary 50.3972%
Loan Amount 24.8749%
Housing 12.6631%
State 7.4645%
Age 4.6003%

Classification Matrix
(for training cases) default late payments timely payments
default 28 1 0
late payments 0 67 0
timely payments 0 0 304

Classification Matrix
(for testing cases) default late payments timely payments
default 2 1 0
late payments 0 10 4
timely payments 0 0 83
 Histogram of Probability of Incorrect Categories (Training)

350

300
Frequency

250

200

150

100

50

0
0.30
0.00

0.10

0.20

0.40

0.50

0.60
Histogram of Probability of Incorrect Categories (Testing)

90

80
Frequency

70

60

50

40

30

20

10

0
0.00

0.10

0.40

0.50

0.80

0.90
0.20

0.30

0.60

0.70

1.00

Relative Variable Impacts

0% 10% 20% 30% 40% 50% 60% 70% 80%

Salary 50%

Loan Amount 25%

Housing 13%
 0% 10% 20% 30% 40% 50% 60% 70% 80%

Salary 50%

Loan Amount 25%

Housing 13%

State 7%

Age 5%
 Bad (%)
3.4483%
0.0000%
0.0000%

Bad (%)
33.3333%
28.5714%
0.0000%