Table 4 Descriptive statistics of selected variables

Dependent variable

 Loan status

 Charged off

7322

0

 Fully paid

48,498

1

Independent variable

 Loan

0.001

0.035

0.012

0.007

55,820

 Income

0.007

0.230

0.065

0.029

55,820

 DTI

0.000

0.400

0.179

0.076

55,820

 Rev balance

0.000

0.064

0.013

0.009

55,820

 Rev util

0.000

1.232

0.567

0.217

55,820

 Tot balance

0.000

0.468

0.109

0.100

55,820

 Cred limit

0.001

0.478

0.134

0.109

55,820

 Loan per Income

0.008

0.500

0.200

0.101

55,820

 Tot balance per Income

0.000

10.502

1.673

1.424

55,820

Job

 ≥ 10 years

28,288

 < 10 years

27,532

Reference

Home

 Own

5086

 Rent

21,389

 Mortgage

29,345

Reference

Purpose

 Debt consolidation

33,537

 Credit card

13,815

 Others

8468

Reference

Grade

 A

10,406

 B

21,491

 C

14,416

 D or less

9507

Reference