README.md

---
license: apache-2.0
language:
- en
---
# Loan Data
This dataset contains information about loan applications, including details about applicants' credit history, income, and loan purposes.  
The data is used for the analysis and prediction of loan approval outcomes.  
## Dataset Description
The dataset includes the following columns:

- credit.policy: Whether the applicant meets the credit policy criteria (1 = approved, 0 = denied).
- purpose: The purpose of the loan (e.g., "credit_card", "debt_consolidation", "home_improvement", etc.).
- int.rate: Interest rate of the loan.
- installment: Monthly installment amount.
- log.annual.inc: Log-transformed annual income.
- dti: Debt-to-income ratio.
- fico: FICO credit score of the applicant.
- days.with.cr.line: Number of days the applicant has had a credit line.
- revol.bal: Revolving balance.
- revol.util: Revolving credit utilization.
- inq.last.6mths: Number of inquiries in the last 6 months.
- delinq.2yrs: Number of delinquencies in the last 2 years.
- pub.rec: Number of public records (e.g., bankruptcies, foreclosures).

## Dataset Source
This dataset was obtained from Kaggle:

Loan Data on Kaggle

## License Information
The dataset is released under the Database Contents License (DbCL) v1.0.  
Key Points of the License:  

- Freedom to use: You are free to use the data for commercial and non-commercial purposes.
- Modifications and Redistribution: You can modify and redistribute the data, as long as the original source is attributed.
- No Copyright on Facts: The facts in the dataset are not covered by copyright.
- No Warranty: The dataset is provided "as is" without any warranty of accuracy, fitness for a particular purpose, or any other guarantee.

## Full License Text

The full Database Contents License (DbCL) v1.0 text is available here: Open Data Commons - DbCL.

## Acknowledgements

Please note that you are using this dataset at your own risk and the dataset is provided without warranties.