Assessment of Irish Mortgage Arrears at County Level using Machine Learning Techniques and Open Data
The repository contains notes and work that has been done for the project.
You can access a working web application as a demo at : https://arrear-model.herokuapp.com/
This paper addresses the challenge of predicting mortgage arrears at the county level for Ireland. Unlike the other works literature which focus on individual mortgages data about borrowers or exploratory analysis of lender’s data, the paper presents both supervised and unsupervised data mining techniques on openly available data. The extensive experiments conducted for the paper show that it is possible to distinguish neighbouring counties from counties which are away from each other, classify provinces and predict the amount of annual arrear using derived factors from economic and census data. The benefits include an addition to the academic literature regarding arrears and the use of features and model by local authorities, lenders or the government to successfully predict the arrears and plan for the future.
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