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6. .

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Property


Loan

Underwriter response

Employment data
Savings
Credit rating

.
.
,
.
:

LoanToValue /
PaymentToIncome /
StructureToValue /

:
PaymentToIncome - 0.28,
0.35.
- 2 .
.
85% .

- 50% - 85% o
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:

Income
YearsEmployed
Savings
AppraisedValue
Location
StructureValue
LoanAmount
MonthlyPayment
LoanToValueRatio
PaymentToIncomeRatio
StructureToValueRatio
CreditScore
Approved
InsufficientIncome
UnstableEmployment
PoorCredit
LowPropertyValue
LowStructureValue

$10 000
30
$10 000
$1 000 000
(RURAL), (SUBURB), (URBAN)
$1 000 000
$1 000 000
$10 000
0.00 1.00
0.00 1.00
0.00 o 1.00
0.00 o 1.00
YES NO
YES NO
YES NO
YES NO
YES NO
YES NO

6 . (Approved
YES), 5 NO.
, YES.
:
Income continuous input
YearsEmployed discrete input
Savings continuous input
AppraisedValue continuous input
Location categorical input
StructureValue continuous ignore
LoanAmount continuous input
MonthlyPayment continuous input
LoanToValueRatio continuous input
PaymentToIncomeRatio continuous input
2

StructureToValueRatio continuous input

CreditScore continuous input
Approved categorical output
InsufficientIncome categorical output
UnstableEmployment categorical output
PoorCredit categorical output
LowPropertyValue categorical output
LowStructureValue categorical output
Mortgage.dfn. examples/datafiles.

(Able Editor).
AbleNeuralClassifierAgent .
: Import bean , Filter
bean , bean Filter bean .
1. Agents

AbleNeuralClassifierAgent.

2. Properties.
3. Neural Classifier
- Mortgage.dfn. MortgageTest.dfn
.
4. .
. 0.1, 0.5.
, 2 , 10 9
- .
5. Generate.
6. BackPropagatoin Inspector.
View->Network graphic
. ,
.
7. :
Data BackPropagatoin Parameters.
Remove.
aveRMSerror ( ) Add.
(Data points) 200. OK.

 View ime plot. Options

Properties Y. axis 0 1.
.
8. . .
9. Test ( Neural Classifier )
.
. OutFilter
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. ABLE
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A 0.1 (Error Tolerance) ,
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aveRMSError.
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