Abstract
We study the performances of various predictive models including decision trees, random forests, neural networks, and linear discriminant analysis on an imbalanced data set of home loan applications. During the process, we propose our undersampling algorithm to cope with the issues created by the imbalance of the data. Our technique is shown to work competitively against popular resampling techniques such as random oversampling, undersampling, synthetic minority oversampling technique (SMOTE), and random oversampling examples (ROSE). We also investigate the relation between the true positive rate, true negative rate, and the imbalance of the data.
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