I am definitively not an expert in statistics, in fact I'm nearly a complete layman. But, I need to produce a binary log regression for loan data. The probability of default in the data ranges from 3% in grade A1 to 25-35% for the poor grades. I would think that the attached spreadsheet would provide the necessary data to create an accurate binary log regression model capable of predicting whether a loan defaults or fully pays. However, every time I run it, the model predicts every loan fully pays. I'm sure the answer is quite obvious to someone with a cursory knowledge of stats, but if you could help me understand in basic terms that would be ultra helpful.
Thanks in advance, you're really helping me out!
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