#' Summarizes loan purposes, by default rates.
#' @param lending_club_stats data.frame of lending club stats
#' @return a summary of charged_off behavior by loan purpose
#' @export
#' @examples
#' data(LoanStatsNew)
#' dat <- prepare(LoanStatsNew)
#' purpose_summary <- purposeSummary(dat)
purposeSummary <- function(lending_club_stats) {
lending_club_stats <- lending_club_stats[!is.na(lending_club_stats$funded_amnt),]
ddply(
lending_club_stats,
.(purpose, grade),
.fun = function(d) {
data.frame(
percent_charged_off=nrow(d[d$charged_off,])/nrow(d),
number_of_loans=nrow(d)
)
}
)
}
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