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license: apache-2.0
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---
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license: apache-2.0
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language:
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- en
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---
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# Loan Data
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This dataset contains information about loan applications, including details about applicants' credit history, income, and loan purposes.
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The data is used for the analysis and prediction of loan approval outcomes.
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## Dataset Description
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The dataset includes the following columns:
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- credit.policy: Whether the applicant meets the credit policy criteria (1 = approved, 0 = denied).
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- purpose: The purpose of the loan (e.g., "credit_card", "debt_consolidation", "home_improvement", etc.).
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- int.rate: Interest rate of the loan.
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- installment: Monthly installment amount.
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- log.annual.inc: Log-transformed annual income.
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- dti: Debt-to-income ratio.
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- fico: FICO credit score of the applicant.
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- days.with.cr.line: Number of days the applicant has had a credit line.
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- revol.bal: Revolving balance.
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- revol.util: Revolving credit utilization.
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- inq.last.6mths: Number of inquiries in the last 6 months.
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- delinq.2yrs: Number of delinquencies in the last 2 years.
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- pub.rec: Number of public records (e.g., bankruptcies, foreclosures).
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## Dataset Source
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This dataset was obtained from Kaggle:
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Loan Data on Kaggle
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## License Information
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The dataset is released under the Database Contents License (DbCL) v1.0.
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Key Points of the License:
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- Freedom to use: You are free to use the data for commercial and non-commercial purposes.
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- Modifications and Redistribution: You can modify and redistribute the data, as long as the original source is attributed.
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- No Copyright on Facts: The facts in the dataset are not covered by copyright.
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- No Warranty: The dataset is provided "as is" without any warranty of accuracy, fitness for a particular purpose, or any other guarantee.
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## Full License Text
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The full Database Contents License (DbCL) v1.0 text is available here: Open Data Commons - DbCL.
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## Acknowledgements
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Please note that you are using this dataset at your own risk and the dataset is provided without warranties.
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