For example, a bank may use a model to predict customers’ loan eligibility on the basis of their bank statements and their credit score, which itself is often a predictive model12. Explaining a series of models is crucial for debugging and building trust, even more so because a series of...
CrowdStreetexplains, “For example, a few years ago sponsors could typically borrow 65-80% of the property's value (known as the loan-to-value or LTV ratio). Today, however, lenders may only finance 45-60% LTV on the same deals. And that is if sponsors can even find a lender willin...
Loan-to-value ratio: Jumbo loans also have stricter loan-to-value (LTV) ratio requirements than conforming loans. Your LTV is a measure of how much money the property is worth vs. the loan amount. To calculate your LTV, take your total mortgage amount and divide it by the appraised value...
We find that foreclosures are more likely when building are older and have higher ratios of loan to value, and where buildings are located in Census Tract where median incomes are lower and unemployment rates are higher. We also find that loan vintage is a key determinant of foreclosure. Our...
being run on an NVIDIA V100 GPU. On the horizontal axis are the features of the dataset in low to high order of Shapley importance. On the vertical axis is the actual Shapley value of the feature, which is the impact on the model output. The model output of 1 represents a loan ...
Assume that the median value of salary is 90000. A pertinent positive might be: Even if the salary of the person was 100000, the model still predicts Loan Partially Approved. Alternatively, the pertinent negative is: If the salary of the person was 200000, the model prediction would change...
we will walk through the use case of predicting loan charge off (loan default) rate, architecture configuration that enable this use case, and rich visual dashboard that allow customer to do what-if analysis. Attend this session to find out how SQL + R allows you to build an “intelligent...
The subsidies offered certainly reduce the cost of adoption but unfortunately the cost is still substantially higher than what the farmers can afford without taking either formal or informal loan which would add to their level of risk. For farmers in Bugun, in addition to costs associated with ...
in some business cases it makes sense to sacrifice some accuracy for the sake of interpretability. For example, when a bank rejects a loan application, it must also have a reasoning behind the decision, which can also be presented to the customer ...
I would not wish my worst enemy to have to learn about logarithms the way I did, using log tables to find logs and anti-logs and interpolating to tweak out one more decimal value for both. There was also the special case situation of using a log table to determine the log of x ...