{"code": 200, "formatter": "summarize", "rules": "<pre><code class=\"summarize\">Data distribution:\n    0: 77.52% (27906 instances)\n    1: 22.48% (8094 instances)\n\n\nPredicted distribution:\n    0: 79.87% (28754 instances)\n    1: 20.13% (7246 instances)\n\n\nField importance:\n    1. person_income: 21.44%\n    2. previous_loan_defaults_on_file: 18.91%\n    3. loan_int_rate: 18.42%\n    4. loan_percent_income: 13.70%\n    5. loan_intent: 9.16%\n    6. credit_score: 7.89%\n    7. person_home_ownership: 7.48%\n    8. loan_amnt: 1.01%\n    9. person_age: 0.87%\n    10. person_emp_exp: 0.56%\n    11. cb_person_cred_hist_length: 0.55%\n\n\nRules summary:\n\n\n0: (data 77.52% / prediction 79.87%) \n    \u00b7 63.43%: previous_loan_defaults_on_file = Yes [Confidence: 99.98%]\n\n    \u00b7 2.73%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 10.94077 and person_income > 33925 and loan_intent = VENTURE [Confidence: 99.28%; impurity: 0.00%]\n\n    \u00b7 1.22%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 10.94077 and 42375 < person_income <= 68612  and loan_intent != VENTURE and credit_score > 598 and person_home_ownership != OWN and person_emp_exp <= 1 [Confidence: 75.56%; impurity: 0.16%]\n\n    \u00b7 1.22%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 8.402 < loan_int_rate <= 10.94077  and 73403 < person_income <= 96718  and loan_intent != VENTURE and credit_score > 562 [Confidence: 82.65%; impurity: 0.12%]\n\n    \u00b7 1.13%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 9.90306 and 42375 < person_income <= 68612  and loan_intent != VENTURE and 598 < credit_score <= 666  and person_home_ownership != OWN and person_emp_exp > 1 [Confidence: 82.03%; impurity: 0.12%]\n\n    \u00b7 1.09%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.155 and 12.82475 < loan_int_rate <= 14.02875  and person_income > 82342 and person_home_ownership != OWN and 575 < credit_score <= 696  [Confidence: 72.62%; impurity: 0.17%]\n\n    \u00b7 1.03%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 8.402 and person_income > 112053 and loan_intent != VENTURE and credit_score <= 684 [Confidence: 94.34%; impurity: 0.03%]\n\n    \u00b7 0.98%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 10.94077 and 33925 < person_income <= 41378  and loan_intent != VENTURE or HOMEIMPROVEMENT [Confidence: 65.62%; impurity: 0.21%]\n\n    \u00b7 0.98%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 8.402 and person_income > 68612 and loan_intent != VENTURE and credit_score > 684 [Confidence: 95.42%; impurity: 0.02%]\n\n    \u00b7 0.97%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 9.90306 and 42375 < person_income <= 68612  and loan_intent != VENTURE and credit_score > 666 and person_home_ownership != OWN and person_emp_exp > 1 [Confidence: 90.00%; impurity: 0.06%]\n\n    \u00b7 0.95%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 14.02875 and 24574 < person_income <= 33925  and person_home_ownership != OWN and loan_intent != HOMEIMPROVEMENT and credit_score > 580 and loan_amnt > 3381 [Confidence: 79.53%; impurity: 0.13%]\n\n    \u00b7 0.95%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 7.33853 and 72339 < person_income <= 112053  and loan_intent != VENTURE and credit_score <= 684 and cb_person_cred_hist_length <= 8 [Confidence: 92.50%; impurity: 0.04%]\n\n    \u00b7 0.92%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 33925 < person_income <= 41974  and person_home_ownership != OWN and credit_score > 638 and loan_intent != HOMEIMPROVEMENT [Confidence: 56.90%; impurity: 0.23%]\n\n    \u00b7 0.91%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 8.402 < loan_int_rate <= 10.94077  and 101349 < person_income <= 653347  and loan_intent != VENTURE and 562 < credit_score <= 655  [Confidence: 84.18%; impurity: 0.10%]\n\n    \u00b7 0.85%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.155 and 10.94077 < loan_int_rate <= 12.82475  and person_income > 99808 and person_home_ownership != OWN and credit_score > 598 and loan_intent != VENTURE or DEBTCONSOLIDATION and person_age <= 29 [Confidence: 90.60%; impurity: 0.05%]\n\n    \u00b7 0.83%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 7.33853 < loan_int_rate <= 8.402  and 72339 < person_income <= 112053  and loan_intent != VENTURE and credit_score <= 684 and cb_person_cred_hist_length <= 8 [Confidence: 83.59%; impurity: 0.10%]\n\n    \u00b7 0.83%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 8.402 < loan_int_rate <= 10.94077  and 101349 < person_income <= 653347  and loan_intent != VENTURE and credit_score > 655 [Confidence: 93.54%; impurity: 0.03%]\n\n    \u00b7 0.82%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 54316 < person_income <= 63991  and person_home_ownership != OWN and credit_score > 638 and loan_intent != VENTURE and person_age <= 36 and loan_amnt > 1308 [Confidence: 72.14%; impurity: 0.17%]\n\n    \u00b7 0.80%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 9.90306 < loan_int_rate <= 10.94077  and 42375 < person_income <= 68612  and loan_intent != VENTURE and credit_score > 598 and person_home_ownership != OWN and person_emp_exp > 1 [Confidence: 75.19%; impurity: 0.16%]\n\n    \u00b7 0.78%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and person_income > 33925 and person_home_ownership = OWN [Confidence: 98.32%]\n\n    \u00b7 0.75%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 10.94077 and 42375 < person_income <= 68612  and loan_intent != VENTURE and 482 < credit_score <= 598  [Confidence: 64.45%; impurity: 0.21%]\n\n    \u00b7 0.75%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.155 and 10.94077 < loan_int_rate <= 12.82475  and person_income > 82342 and person_home_ownership != OWN and credit_score > 598 and loan_intent != VENTURE or DEBTCONSOLIDATION and person_age > 29 [Confidence: 80.86%; impurity: 0.12%]\n\n    \u00b7 0.75%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 12.82475  and person_income > 82342 and person_home_ownership != OWN and credit_score > 575 and loan_intent = VENTURE [Confidence: 91.69%; impurity: 0.04%]\n\n    \u00b7 0.74%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 41974 < person_income <= 82342  and person_home_ownership != OWN and credit_score > 638 and loan_intent = VENTURE [Confidence: 79.13%; impurity: 0.13%]\n\n    \u00b7 0.74%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 12.82475  and person_income > 82342 and person_home_ownership != OWN and credit_score > 575 and loan_intent = DEBTCONSOLIDATION [Confidence: 68.55%; impurity: 0.19%]\n\n    \u00b7 0.70%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.02875 < loan_int_rate <= 16.88625  and person_home_ownership != RENT and loan_intent != DEBTCONSOLIDATION or MEDICAL and person_income > 98670 [Confidence: 76.31%; impurity: 0.15%]\n\n    \u00b7 0.63%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 72354 < person_income <= 82342  and person_home_ownership != OWN and credit_score > 638 and loan_intent != VENTURE and person_age <= 36 [Confidence: 73.24%; impurity: 0.16%]\n\n    \u00b7 0.63%: previous_loan_defaults_on_file = No and 0.155 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 12.82475  and person_income > 82342 and person_home_ownership != OWN and credit_score > 575 and loan_intent != VENTURE or DEBTCONSOLIDATION [Confidence: 70.72%; impurity: 0.18%]\n\n    \u00b7 0.62%: previous_loan_defaults_on_file = No and loan_percent_income > 0.24226 and person_home_ownership != RENT or OWN and person_income > 25567 and loan_int_rate <= 10.49535 [Confidence: 76.21%; impurity: 0.14%]\n\n    \u00b7 0.49%: previous_loan_defaults_on_file = No and loan_percent_income > 0.24226 and person_home_ownership != RENT or OWN and person_income > 42702 and 10.49535 < loan_int_rate <= 13.74129  and loan_intent != VENTURE and credit_score > 582 [Confidence: 54.48%; impurity: 0.23%]\n\n    \u00b7 0.47%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 41974 < person_income <= 48327  and person_home_ownership != OWN and 638 < credit_score <= 710  and loan_intent != VENTURE and person_age <= 36 and loan_amnt > 1308 [Confidence: 56.07%; impurity: 0.23%]\n\n    \u00b7 0.46%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 8.402 and 72339 < person_income <= 112053  and loan_intent != VENTURE and credit_score <= 684 and cb_person_cred_hist_length > 8 [Confidence: 94.60%; impurity: 0.01%]\n\n    \u00b7 0.45%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 41974 < person_income <= 82342  and person_home_ownership != OWN and credit_score > 638 and loan_intent != VENTURE and person_age > 36 and loan_amnt <= 15800 [Confidence: 79.02%; impurity: 0.12%]\n\n    \u00b7 0.44%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 14.02875 and 24574 < person_income <= 33925  and person_home_ownership != OWN and loan_intent != HOMEIMPROVEMENT and credit_score > 580 and loan_amnt <= 3381 [Confidence: 63.27%; impurity: 0.20%]\n\n    \u00b7 0.44%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.155 and 10.94077 < loan_int_rate <= 12.82475  and 82342 < person_income <= 99808  and person_home_ownership != OWN and credit_score > 598 and loan_intent != VENTURE or DEBTCONSOLIDATION and person_age <= 29 [Confidence: 80.51%; impurity: 0.11%]\n\n    \u00b7 0.42%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 14.02875  and 44804 < person_income <= 78332  and person_home_ownership != OWN and 569 < credit_score <= 638  and loan_intent = PERSONAL [Confidence: 68.59%; impurity: 0.18%]\n\n    \u00b7 0.41%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 14.02875 and person_home_ownership != RENT or OWN and loan_intent != DEBTCONSOLIDATION or MEDICAL and 42325 < person_income <= 98670  and credit_score > 633 and cb_person_cred_hist_length <= 6 [Confidence: 60.11%; impurity: 0.21%]\n\n    \u00b7 0.41%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 33925 < person_income <= 78332  and person_home_ownership != OWN and 519 < credit_score <= 638  and loan_intent = VENTURE [Confidence: 67.59%; impurity: 0.18%]\n\n    \u00b7 0.34%: previous_loan_defaults_on_file = No and loan_percent_income > 0.24226 and person_home_ownership = OWN and person_income > 25567 and loan_int_rate <= 13.74129 [Confidence: 94.44%; impurity: 0.01%]\n\n    \u00b7 0.33%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.185 and 10.94077 < loan_int_rate <= 14.02875  and person_income > 82342 and person_home_ownership != OWN and 500 < credit_score <= 575  [Confidence: 48.34%; impurity: 0.24%]\n\n    \u00b7 0.33%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 66310 < person_income <= 71088  and person_home_ownership != OWN and credit_score > 638 and loan_intent != VENTURE and person_age <= 36 and loan_amnt > 1308 [Confidence: 60.70%; impurity: 0.21%]\n\n    \u00b7 0.30%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 14.02875  and 44804 < person_income <= 53159  and person_home_ownership != OWN and 569 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE or PERSONAL [Confidence: 66.43%; impurity: 0.18%]\n\n    \u00b7 0.29%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.125 and loan_int_rate <= 12.913 and 14069 < person_income <= 24574  and loan_amnt <= 2938 [Confidence: 56.81%; impurity: 0.22%]\n\n    \u00b7 0.26%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 50167 < person_income <= 53225  and person_home_ownership != OWN and credit_score > 638 and loan_intent != VENTURE and person_age <= 36 and loan_amnt > 1308 [Confidence: 64.22%; impurity: 0.19%]\n\n    \u00b7 0.26%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 14.02875 and person_home_ownership = OWN and loan_intent != DEBTCONSOLIDATION or MEDICAL and person_income <= 98670 [Confidence: 70.71%; impurity: 0.15%]\n\n    \u00b7 0.25%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 14.02875 and 24574 < person_income <= 33925  and person_home_ownership = OWN [Confidence: 92.64%; impurity: 0.01%]\n\n    \u00b7 0.25%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 10.94077 and 42375 < person_income <= 68612  and loan_intent != VENTURE and credit_score > 598 and person_home_ownership = OWN [Confidence: 94.87%]\n\n    \u00b7 0.24%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 48327 < person_income <= 50167  and person_home_ownership != OWN and credit_score > 638 and loan_intent != VENTURE and person_age <= 36 and loan_amnt > 1308 [Confidence: 77.33%; impurity: 0.11%]\n\n    \u00b7 0.20%: previous_loan_defaults_on_file = No and 0.155 < loan_percent_income <= 0.24226  and 12.82475 < loan_int_rate <= 14.02875  and person_income > 93980 and person_home_ownership != OWN and 575 < credit_score <= 696  [Confidence: 54.42%; impurity: 0.22%]\n\n    \u00b7 0.20%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 12.82475 < loan_int_rate <= 14.02875  and person_income > 82342 and person_home_ownership != OWN and credit_score > 696 [Confidence: 85.63%; impurity: 0.05%]\n\n    \u00b7 0.19%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 8.402 < loan_int_rate <= 10.94077  and 68612 < person_income <= 72364  and loan_intent != VENTURE and credit_score > 562 [Confidence: 46.81%; impurity: 0.24%]\n\n    \u00b7 0.19%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 8.402 < loan_int_rate <= 10.94077  and 72364 < person_income <= 73403  and loan_intent != VENTURE and credit_score > 562 [Confidence: 90.39%; impurity: 0.02%]\n\n    \u00b7 0.19%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 8.402 and 68612 < person_income <= 72339  and loan_intent != VENTURE and credit_score <= 684 [Confidence: 67.10%; impurity: 0.16%]\n\n    \u00b7 0.18%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 78332 < person_income <= 82342  and person_home_ownership != OWN and 519 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT [Confidence: 75.16%; impurity: 0.11%]\n\n    \u00b7 0.18%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 14.02875 and 24574 < person_income <= 33925  and person_home_ownership != OWN and loan_intent != HOMEIMPROVEMENT and credit_score <= 580 [Confidence: 38.69%; impurity: 0.25%]\n\n    \u00b7 0.18%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.155 and 10.94077 < loan_int_rate <= 12.82475  and person_income > 82342 and person_home_ownership != OWN and 575 < credit_score <= 598  and loan_intent != VENTURE or DEBTCONSOLIDATION [Confidence: 57.73%; impurity: 0.21%]\n\n    \u00b7 0.18%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 8.402 < loan_int_rate <= 10.94077  and 96718 < person_income <= 100834  and loan_intent != VENTURE and credit_score > 562 [Confidence: 89.70%; impurity: 0.02%]\n\n    \u00b7 0.17%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 14.02875  and 54344 < person_income <= 59255  and person_home_ownership != OWN and 569 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE or PERSONAL [Confidence: 58.34%; impurity: 0.20%]\n\n    \u00b7 0.16%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.02875 < loan_int_rate <= 15.52809  and person_home_ownership = RENT and loan_intent = EDUCATION and person_income > 24724 and credit_score > 671 [Confidence: 58.24%; impurity: 0.20%]\n\n    \u00b7 0.16%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 14.02875  and 61635 < person_income <= 78332  and person_home_ownership != OWN and 569 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE or PERSONAL and cb_person_cred_hist_length > 2 and loan_amnt > 5303 and person_age > 26 [Confidence: 44.34%; impurity: 0.24%]\n\n    \u00b7 0.14%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 8.402 < loan_int_rate <= 10.94077  and 68612 < person_income <= 653347  and loan_intent != VENTURE and credit_score <= 562 [Confidence: 44.60%; impurity: 0.24%]\n\n    \u00b7 0.13%: previous_loan_defaults_on_file = No and loan_percent_income > 0.24226 and person_home_ownership != RENT or OWN and person_income > 25567 and 10.49535 < loan_int_rate <= 13.74129  and loan_intent = VENTURE [Confidence: 69.58%; impurity: 0.13%]\n\n    \u00b7 0.12%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 14.02875  and 61635 < person_income <= 78332  and person_home_ownership != OWN and 569 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE or PERSONAL and cb_person_cred_hist_length <= 2 [Confidence: 54.94%; impurity: 0.20%]\n\n    \u00b7 0.10%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 14.02875  and 61635 < person_income <= 78332  and person_home_ownership != OWN and 569 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE or PERSONAL and cb_person_cred_hist_length > 2 and loan_amnt <= 4087 [Confidence: 42.32%; impurity: 0.24%]\n\n    \u00b7 0.10%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.195  and 11.03314 < loan_int_rate <= 13.95625  and 35578 < person_income <= 37633  and person_home_ownership != OWN and 582 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE and loan_amnt <= 8937 [Confidence: 45.83%; impurity: 0.23%]\n\n    \u00b7 0.09%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.02875 < loan_int_rate <= 14.44  and person_home_ownership = RENT and loan_intent = EDUCATION and person_income > 24724 and 577 < credit_score <= 671  and person_emp_exp <= 20 [Confidence: 46.22%; impurity: 0.23%]\n\n    \u00b7 0.08%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 14.02875 and person_home_ownership != RENT or MORTGAGE and loan_intent = DEBTCONSOLIDATION [Confidence: 42.95%; impurity: 0.23%]\n\n    \u00b7 0.07%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 14.02875  and 60016 < person_income <= 61635  and person_home_ownership != OWN and 569 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE or PERSONAL [Confidence: 60.00%; impurity: 0.15%]\n\n    \u00b7 0.07%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.215 < loan_int_rate <= 14.38433  and person_home_ownership = RENT and loan_intent = PERSONAL and 24946 < person_income <= 95464  [Confidence: 56.66%; impurity: 0.17%]\n\n    \u00b7 0.06%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 14.02875  and 33925 < person_income <= 44804  and person_home_ownership != OWN and 569 < credit_score <= 582  and loan_intent != HOMEIMPROVEMENT or VENTURE [Confidence: 52.74%; impurity: 0.18%]\n\n    \u00b7 0.06%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.215 < loan_int_rate <= 14.38433  and person_home_ownership = RENT and loan_intent != EDUCATION and person_income > 95464 [Confidence: 63.98%; impurity: 0.11%]\n\n    \u00b7 0.05%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.025 and 10.94077 < loan_int_rate <= 14.02875  and 33925 < person_income <= 78332  and person_home_ownership != OWN and 519 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE [Confidence: 77.19%]\n\n    \u00b7 0.05%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 11.03314 < loan_int_rate <= 13.95625  and 35578 < person_income <= 44804  and person_home_ownership != OWN and 582 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE and loan_amnt > 8937 [Confidence: 49.74%; impurity: 0.18%]\n\n    \u00b7 0.04%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 41974 < person_income <= 71088  and person_home_ownership != OWN and credit_score > 638 and loan_intent != VENTURE and person_age <= 36 and loan_amnt <= 1308 [Confidence: 74.12%]\n\n    \u00b7 0.02%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.38433 < loan_int_rate <= 15.52809  and person_home_ownership = RENT and loan_intent = VENTURE and cb_person_cred_hist_length > 11 [Confidence: 56.55%]\n\n    \u00b7 0.02%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.02875 < loan_int_rate <= 15.52809  and person_home_ownership = RENT and loan_intent = EDUCATION and person_income > 24724 and 531 < credit_score <= 565  and person_emp_exp <= 20 [Confidence: 56.55%]\n\n    \u00b7 0.01%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 11.03314 < loan_int_rate <= 14.02875  and 33925 < person_income <= 35578  and person_home_ownership != OWN and 582 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE [Confidence: 51.01%]\n\n    \u00b7 0.01%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 14.02875 and person_home_ownership != RENT or OWN and loan_intent != DEBTCONSOLIDATION or MEDICAL and person_income <= 98670 and credit_score > 719 and cb_person_cred_hist_length > 6 [Confidence: 51.01%]\n\n    \u00b7 0.01%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 14.02875 and person_home_ownership != RENT or OWN and loan_intent != DEBTCONSOLIDATION or MEDICAL and 95156 < person_income <= 98670  and 561 < credit_score <= 719  and cb_person_cred_hist_length > 6 [Confidence: 34.24%]\n\n\n1: (data 22.48% / prediction 20.13%) previous_loan_defaults_on_file = No\n    \u00b7 35.40%: previous_loan_defaults_on_file = No and loan_percent_income > 0.255 and person_home_ownership = RENT [Confidence: 99.85%]\n\n    \u00b7 5.71%: previous_loan_defaults_on_file = No and 0.125 < loan_percent_income <= 0.24226  and loan_int_rate <= 14.02875 and person_income <= 24574 [Confidence: 98.26%; impurity: 0.00%]\n\n    \u00b7 4.69%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.38433 < loan_int_rate <= 15.52809  and person_home_ownership = RENT and loan_intent != EDUCATION or VENTURE or PERSONAL and credit_score <= 680 [Confidence: 88.35%; impurity: 0.08%]\n\n    \u00b7 4.66%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 15.52809 and person_home_ownership = RENT and person_income <= 42503 [Confidence: 92.45%; impurity: 0.05%]\n\n    \u00b7 4.62%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 15.52809 and person_home_ownership = RENT and person_income > 42503 and loan_intent != DEBTCONSOLIDATION or MEDICAL and credit_score > 581 [Confidence: 70.33%; impurity: 0.19%]\n\n    \u00b7 3.96%: previous_loan_defaults_on_file = No and 0.24226 < loan_percent_income <= 0.255  and person_home_ownership = RENT [Confidence: 84.68%; impurity: 0.10%]\n\n    \u00b7 3.80%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 14.02875 and person_home_ownership != RENT and loan_intent = MEDICAL [Confidence: 83.63%; impurity: 0.11%]\n\n    \u00b7 3.67%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 14.02875 and person_home_ownership = MORTGAGE and loan_intent = DEBTCONSOLIDATION [Confidence: 87.80%; impurity: 0.08%]\n\n    \u00b7 2.88%: previous_loan_defaults_on_file = No and loan_percent_income > 0.24226 and person_home_ownership != RENT and person_income > 25567 and loan_int_rate > 13.74129 [Confidence: 65.82%; impurity: 0.20%]\n\n    \u00b7 2.18%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 15.52809 and person_home_ownership = RENT and person_income > 42503 and loan_intent = MEDICAL [Confidence: 90.33%; impurity: 0.05%]\n\n    \u00b7 2.11%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 15.52809 and person_home_ownership = RENT and person_income > 42503 and loan_intent = DEBTCONSOLIDATION [Confidence: 91.71%; impurity: 0.04%]\n\n    \u00b7 1.79%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 33925 < person_income <= 82342  and person_home_ownership != OWN and credit_score <= 638 and loan_intent = HOMEIMPROVEMENT [Confidence: 60.84%; impurity: 0.21%]\n\n    \u00b7 1.68%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 14.02875  and 33925 < person_income <= 78332  and person_home_ownership != OWN and 519 < credit_score <= 569  and loan_intent != HOMEIMPROVEMENT or VENTURE [Confidence: 49.33%; impurity: 0.24%]\n\n    \u00b7 1.59%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.38433 < loan_int_rate <= 15.52809  and person_home_ownership = RENT and loan_intent = PERSONAL and credit_score <= 680 [Confidence: 72.73%; impurity: 0.15%]\n\n    \u00b7 1.31%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.38433 < loan_int_rate <= 15.52809  and person_home_ownership = RENT and loan_intent != EDUCATION or VENTURE and credit_score > 680 [Confidence: 61.81%; impurity: 0.20%]\n\n    \u00b7 1.28%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 14.02875 and person_home_ownership != RENT or OWN and loan_intent != DEBTCONSOLIDATION or MEDICAL and person_income <= 95156 and 561 < credit_score <= 719  and cb_person_cred_hist_length > 6 [Confidence: 56.59%; impurity: 0.22%]\n\n    \u00b7 1.28%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.38433 < loan_int_rate <= 15.52809  and person_home_ownership = RENT and loan_intent = VENTURE and cb_person_cred_hist_length <= 11 [Confidence: 58.81%; impurity: 0.21%]\n\n    \u00b7 1.21%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.02875 < loan_int_rate <= 14.215  and person_home_ownership = RENT and loan_intent != EDUCATION [Confidence: 71.22%; impurity: 0.16%]\n\n    \u00b7 1.13%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 14.02875 and person_home_ownership != RENT or OWN and loan_intent != DEBTCONSOLIDATION or MEDICAL and person_income <= 98670 and 561 < credit_score <= 633  and cb_person_cred_hist_length <= 6 [Confidence: 47.73%; impurity: 0.24%]\n\n    \u00b7 1.09%: previous_loan_defaults_on_file = No and loan_percent_income > 0.24226 and person_home_ownership != RENT and person_income <= 25567 [Confidence: 91.23%; impurity: 0.02%]\n\n    \u00b7 1.02%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.195  and 11.03314 < loan_int_rate <= 13.95625  and 37633 < person_income <= 44804  and person_home_ownership != OWN and 582 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE and loan_amnt <= 8937 [Confidence: 49.42%; impurity: 0.24%]\n\n    \u00b7 0.95%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.215 < loan_int_rate <= 14.38433  and person_home_ownership = RENT and loan_intent != EDUCATION or PERSONAL and 24946 < person_income <= 95464  [Confidence: 43.38%; impurity: 0.25%]\n\n    \u00b7 0.87%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.44 < loan_int_rate <= 15.52809  and person_home_ownership = RENT and loan_intent = EDUCATION and person_income > 24724 and 577 < credit_score <= 671  and person_emp_exp <= 20 [Confidence: 46.42%; impurity: 0.24%]\n\n    \u00b7 0.84%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 63991 < person_income <= 66310  and person_home_ownership != OWN and credit_score > 638 and loan_intent != VENTURE and person_age <= 36 and loan_amnt > 1308 [Confidence: 43.30%; impurity: 0.25%]\n\n    \u00b7 0.83%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 16.88625 and person_home_ownership != RENT and loan_intent != DEBTCONSOLIDATION or MEDICAL and person_income > 98670 [Confidence: 42.49%; impurity: 0.25%]\n\n    \u00b7 0.79%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 10.94077 and 33925 < person_income <= 42375  and loan_intent = HOMEIMPROVEMENT [Confidence: 66.71%; impurity: 0.17%]\n\n    \u00b7 0.69%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 10.94077 and 41378 < person_income <= 42375  and loan_intent != VENTURE or HOMEIMPROVEMENT [Confidence: 50.14%; impurity: 0.23%]\n\n    \u00b7 0.65%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 14.02875  and 61635 < person_income <= 78332  and person_home_ownership != OWN and 569 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE or PERSONAL and cb_person_cred_hist_length > 2 and loan_amnt > 5303 and person_age <= 26 [Confidence: 51.67%; impurity: 0.22%]\n\n    \u00b7 0.58%: previous_loan_defaults_on_file = No and 0.155 < loan_percent_income <= 0.24226  and 12.82475 < loan_int_rate <= 14.02875  and 82342 < person_income <= 93980  and person_home_ownership != OWN and 575 < credit_score <= 696  [Confidence: 44.49%; impurity: 0.24%]\n\n    \u00b7 0.51%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 14.02875 and 24574 < person_income <= 33925  and person_home_ownership != OWN and loan_intent = HOMEIMPROVEMENT [Confidence: 57.02%; impurity: 0.20%]\n\n    \u00b7 0.48%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 11.03314  and 33925 < person_income <= 44804  and person_home_ownership != OWN and 582 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE [Confidence: 60.98%; impurity: 0.18%]\n\n    \u00b7 0.48%: previous_loan_defaults_on_file = No and loan_percent_income > 0.24226 and person_home_ownership != RENT or OWN and 25567 < person_income <= 42702  and 10.49535 < loan_int_rate <= 13.74129  and loan_intent != VENTURE and credit_score > 582 [Confidence: 46.34%; impurity: 0.23%]\n\n    \u00b7 0.46%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 15.52809 and person_home_ownership = RENT and person_income > 42503 and loan_intent != DEBTCONSOLIDATION or MEDICAL and credit_score <= 581 [Confidence: 84.68%; impurity: 0.03%]\n\n    \u00b7 0.39%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 33925 < person_income <= 41974  and person_home_ownership != OWN and credit_score > 638 and loan_intent = HOMEIMPROVEMENT [Confidence: 77.35%; impurity: 0.07%]\n\n    \u00b7 0.36%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 14.02875  and 53159 < person_income <= 54344  and person_home_ownership != OWN and 569 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE or PERSONAL [Confidence: 66.47%; impurity: 0.13%]\n\n    \u00b7 0.35%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 33925 < person_income <= 82342  and person_home_ownership != OWN and credit_score <= 519 and loan_intent != HOMEIMPROVEMENT [Confidence: 75.03%; impurity: 0.07%]\n\n    \u00b7 0.35%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 53225 < person_income <= 54316  and person_home_ownership != OWN and credit_score > 638 and loan_intent != VENTURE and person_age <= 36 and loan_amnt > 1308 [Confidence: 52.42%; impurity: 0.20%]\n\n    \u00b7 0.32%: previous_loan_defaults_on_file = No and loan_percent_income > 0.24226 and person_home_ownership != RENT or OWN and person_income > 25567 and 10.49535 < loan_int_rate <= 13.74129  and loan_intent != VENTURE and credit_score <= 582 [Confidence: 58.10%; impurity: 0.17%]\n\n    \u00b7 0.30%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 71088 < person_income <= 72354  and person_home_ownership != OWN and credit_score > 638 and loan_intent != VENTURE and person_age <= 36 [Confidence: 56.56%; impurity: 0.18%]\n\n    \u00b7 0.26%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 14.02875  and 61635 < person_income <= 78332  and person_home_ownership != OWN and 569 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE or PERSONAL and cb_person_cred_hist_length > 2 and 4087 < loan_amnt <= 5303  [Confidence: 68.61%; impurity: 0.09%]\n\n    \u00b7 0.25%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.125 and loan_int_rate <= 12.913 and person_income <= 14069 and loan_amnt <= 2938 [Confidence: 49.13%; impurity: 0.20%]\n\n    \u00b7 0.23%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.125 and 12.913 < loan_int_rate <= 14.02875  and person_income <= 24574 [Confidence: 58.97%; impurity: 0.15%]\n\n    \u00b7 0.22%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 14.02875  and 59255 < person_income <= 60016  and person_home_ownership != OWN and 569 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE or PERSONAL [Confidence: 56.99%; impurity: 0.15%]\n\n    \u00b7 0.22%: previous_loan_defaults_on_file = No and 0.185 < loan_percent_income <= 0.24226  and 10.94077 < loan_int_rate <= 14.02875  and person_income > 82342 and person_home_ownership != OWN and credit_score <= 575 [Confidence: 56.99%; impurity: 0.15%]\n\n    \u00b7 0.22%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 14.02875 and person_home_ownership != RENT or OWN and loan_intent != DEBTCONSOLIDATION or MEDICAL and person_income <= 98670 and credit_score <= 561 [Confidence: 80.64%]\n\n    \u00b7 0.22%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate > 14.02875 and person_home_ownership != RENT or OWN and loan_intent != DEBTCONSOLIDATION or MEDICAL and person_income <= 42325 and credit_score > 633 and cb_person_cred_hist_length <= 6 [Confidence: 44.40%; impurity: 0.21%]\n\n    \u00b7 0.15%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.02875 < loan_int_rate <= 15.52809  and person_home_ownership = RENT and loan_intent = EDUCATION and person_income <= 24724 [Confidence: 74.12%]\n\n    \u00b7 0.14%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 8.402 < loan_int_rate <= 10.94077  and person_income > 653347 and loan_intent != VENTURE [Confidence: 49.02%; impurity: 0.16%]\n\n    \u00b7 0.14%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 41974 < person_income <= 48327  and person_home_ownership != OWN and credit_score > 710 and loan_intent != VENTURE and person_age <= 36 and loan_amnt > 1308 [Confidence: 49.02%; impurity: 0.16%]\n\n    \u00b7 0.11%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.215 < loan_int_rate <= 14.38433  and person_home_ownership = RENT and loan_intent != EDUCATION and person_income <= 24946 [Confidence: 67.56%]\n\n    \u00b7 0.08%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.125 and loan_int_rate <= 12.913 and person_income <= 24574 and loan_amnt > 2938 [Confidence: 60.97%]\n\n    \u00b7 0.07%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.185 and 10.94077 < loan_int_rate <= 14.02875  and person_income > 82342 and person_home_ownership != OWN and credit_score <= 500 [Confidence: 56.55%]\n\n    \u00b7 0.07%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.02875 < loan_int_rate <= 15.52809  and person_home_ownership = RENT and loan_intent = EDUCATION and person_income > 24724 and 565 < credit_score <= 577  and person_emp_exp <= 20 [Confidence: 56.55%]\n\n    \u00b7 0.06%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and loan_int_rate <= 10.94077 and 42375 < person_income <= 68612  and loan_intent != VENTURE and credit_score <= 482 [Confidence: 51.01%]\n\n    \u00b7 0.06%: previous_loan_defaults_on_file = No and 0.195 < loan_percent_income <= 0.24226  and 11.03314 < loan_int_rate <= 13.95625  and 35578 < person_income <= 44804  and person_home_ownership != OWN and 582 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE and loan_amnt <= 8937 [Confidence: 51.01%]\n\n    \u00b7 0.06%: previous_loan_defaults_on_file = No and 0.025 < loan_percent_income <= 0.24226  and 13.95625 < loan_int_rate <= 14.02875  and 35578 < person_income <= 44804  and person_home_ownership != OWN and 582 < credit_score <= 638  and loan_intent != HOMEIMPROVEMENT or VENTURE [Confidence: 51.01%]\n\n    \u00b7 0.06%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.02875 < loan_int_rate <= 15.52809  and person_home_ownership = RENT and loan_intent = EDUCATION and person_income > 24724 and credit_score <= 671 and person_emp_exp > 20 [Confidence: 51.01%]\n\n    \u00b7 0.04%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 10.94077 < loan_int_rate <= 14.02875  and 41974 < person_income <= 82342  and person_home_ownership != OWN and credit_score > 638 and loan_intent != VENTURE and person_age > 36 and loan_amnt > 15800 [Confidence: 43.85%]\n\n    \u00b7 0.04%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 14.02875 < loan_int_rate <= 15.52809  and person_home_ownership = RENT and loan_intent = EDUCATION and person_income > 24724 and credit_score <= 531 and person_emp_exp <= 20 [Confidence: 43.85%]\n\n    \u00b7 0.03%: previous_loan_defaults_on_file = No and loan_percent_income <= 0.24226 and 8.402 < loan_int_rate <= 10.94077  and 100834 < person_income <= 101349  and loan_intent != VENTURE and credit_score > 562 [Confidence: 34.24%]\n</code></pre>"}