as of year,respondent id,agency name,agency abbr,agency code,loan type name,loan type,property type name,property type,loan purpose name,loan purpose,owner occupancy name,owner occupancy,loan amount...

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as of year,respondent id,agency name,agency abbr,agency code,loan type name,loan type,property type name,property type,loan purpose name,loan purpose,owner occupancy name,owner occupancy,loan amount 000s,preapproval name,preapproval,action taken name,action taken,msamd name,msamd,state name,state abbr,state code,county name,county code,census tract number,applicant ethnicity name,applicant ethnicity,co applicant ethnicity name,co applicant ethnicity,applicant race name 1,applicant race 1,co applicant race name 1,co applicant race 1,applicant sex name,applicant sex,co applicant sex name,co applicant sex,applicant income 000s,purchaser type name,purchaser type,denial reason name 1,denial reason 1,hoepa status name,hoepa status,lien status name,lien status,population,minority population,hud median family income,tract to msamd income,number of owner occupied units,number of 1 to 4 family units 2017,75-2921540,Department of Housing and Urban Development,HUD,7,Conventional,1,One-to-four family dwelling (other than manufactured housing),1,Refinancing,3,Owner-occupied as a principal dwelling,1,53,Not applicable,3,Application withdrawn by applicant,4,Philadelphia - PA,37964,Pennsylvania,PA,42,Philadelphia County,101,173,Not Hispanic or Latino,2,No co-applicant,5,Black or African American,3,No co-applicant,8,Male,1,No co-applicant,5,12,Loan was not originated or was not sold in calendar year covered by register,0,,,Not a HOEPA loan,2,Secured by a first lien,1,3202,97.27999878,57400,47.54000092,710,1314 2017,504713,Consumer Financial Protection Bureau,CFPB,9,Conventional,1,One-to-four family dwelling (other than manufactured housing),1,Refinancing,3,Owner-occupied as a principal dwelling,1,168,Not applicable,3,Application denied by financial institution,3,"Spokane, Spokane Valley - WA",44060,Washington,WA,53,Spokane County,63,127.01,Not Hispanic or Latino,2,Not Hispanic or Latino,2,White,5,White,5,Male,1,Female,2,60,Loan was not originated or was not sold in calendar year covered by register,0,Credit history,3,Not a HOEPA loan,2,Secured by a first lien,1,3733,4.579999924,63900,86.23999786,861,1241 2017,7810600004,Department of Housing and Urban Development,HUD,7,Conventional,1,One-to-four family dwelling (other than manufactured housing),1,Refinancing,3,Owner-occupied as a principal dwelling,1,103,Not applicable,3,File closed for incompleteness,5,Salt Lake City - UT,41620,Utah,UT,49,Salt Lake County,35,1136,"Information not provided by applicant in mail, Internet, or telephone application",3,"Information not provided by applicant in mail, Internet, or telephone application",3,"Information not provided by applicant in mail, Internet, or telephone application",6,"Information not provided by applicant in mail, Internet, or telephone application",6,Male,1,Female,2,50,Loan was not originated or was not sold in calendar year covered by register,0,,,Not a HOEPA loan,2,Secured by a first lien,1,5498,37.91999817,75400,63.93999863,1270,1658 2017,42-1739728,Department of Housing and Urban Development,HUD,7,Conventional,1,One-to-four family dwelling (other than manufactured housing),1,Refinancing,3,Not owner-occupied as a principal dwelling,2,88,Not applicable,3,Loan originated,1,Springfield - MO,44180,Missouri,MO,29,Greene County,77,11,Not Hispanic or Latino,2,No co-applicant,5,White,5,No co-applicant,8,Female,2,No co-applicant,5,53,Freddie Mac (FHLMC),3,,,Not a HOEPA loan,2,Secured by a first lien,1,3566,11.82999992,55200,74.29000092,573,1261 2017,42-1739728,Department of Housing and Urban Development,HUD,7,Conventional,1,One-to-four family dwelling (other than manufactured housing),1,Refinancing,3,Owner-occupied as a principal dwelling,1,90,Not applicable,3,Application withdrawn by applicant,4,"Chicago, Naperville, Arlington Heights - IL",16974,Illinois,IL,17,Cook County,31,306.04,Not Hispanic or Latino,2,No co-applicant,5,White,5,No co-applicant,8,Male,1,No co-applicant,5,29,Loan was not originated or was not sold in calendar year covered by register,0,,,Not a HOEPA loan,2,Secured by a first lien,1,2910,48.65999985,77500,79.25,599,26 2017,22-3554558,Department of Housing and Urban Development,HUD,7,FHA-insured,2,Manufactured housing,2,Home purchase,1,Owner-occupied as a principal dwelling,1,202,Not applicable,3,Application withdrawn by applicant,4,"Warren, Troy, Farmington Hills - MI",47664,Michigan,MI,26,Macomb County,99,2180,Not Hispanic or Latino,2,No co-applicant,5,White,5,No co-applicant,8,Male,1,No co-applicant,5,43,Loan was not originated or was not sold in calendar year covered by register,0,,,Not a HOEPA loan,2,Secured by a first lien,1,7618,26.5699997,79600,72.16000366,1565,2179 2017,497404,Consumer Financial Protection Bureau,CFPB,9,Conventional,1,One-to-four family dwelling (other than manufactured housing),1,Home improvement,2,Not owner-occupied as a principal dwelling,2,5,Not applicable,3,Application denied by financial institution,3,"Orlando, Kissimmee, Sanford - FL",36740,Florida,FL,12,Osceola County,97,429,Hispanic or Latino,1,No co-applicant,5,"Information not provided by applicant in mail, Internet, or telephone application",6,No co-applicant,8,Male,1,No co-applicant,5,,Loan was not originated or was not sold in calendar year covered by register,0,Credit history,3,Not a HOEPA loan,2,Not secured by a lien,3,17107,70.05000305,58400,73.94000244,2546,4722 2017,146672,Consumer Financial Protection Bureau,CFPB,9,Conventional,1,One-to-four family dwelling (other than manufactured housing),1,Home purchase,1,Not owner-occupied as a principal dwelling,2,185,Not applicable,3,Application denied by financial institution,3,"Riverside, San Bernardino, Ontario - CA",40140,California,CA,6,Riverside County,65,432.27,Not Hispanic or Latino,2,No co-applicant,5,Asian,2,No co-applicant,8,Female,2,No co-applicant,5,51,Loan was not originated or was not sold in calendar year covered by register,0,Credit application incomplete,7,Not a HOEPA loan,2,Secured by a first lien,1,7404,57.52000046,63200,116.0100021,1215,1743 2017,451965,Consumer Financial Protection Bureau,CFPB,9,Conventional,1,One-to-four family dwelling (other than manufactured housing),1,Home purchase,1,Owner-occupied as a principal dwelling,1,1079,Not applicable,3,Loan originated,1,"Oakland, Hayward, Berkeley - CA",36084,California,CA,6,Alameda County,1,4038,"Information not provided by applicant in mail, Internet, or telephone application",3,"Information not provided by applicant in mail, Internet, or telephone application",3,"Information not provided by applicant in mail, Internet, or telephone application",6,"Information not provided by applicant in mail, Internet, or telephone application",6,"Information not provided by applicant in mail, Internet, or telephone application",3,"Information not provided by applicant in mail, Internet, or telephone application",3,278,Loan was not originated or was not sold in calendar year covered by register,0,,,Not a HOEPA loan,2,Secured by a first lien,1,3372,33.18999863,97400,141.7400055,592,1105 2017,58243,Federal Reserve System,FRS,2,Conventional,1,One-to-four family dwelling (other than manufactured housing),1,Refinancing,3,Not owner-occupied as a principal dwelling,2,94,Not applicable,3,Loan originated,1,"Lake County, Kenosha County - IL, WI",29404,Wisconsin,WI,55,Kenosha County,59,22,Not Hispanic or Latino,2,No co-applicant,5,White,5,No co-applicant,8,Female,2,No co-applicant,5,31,Loan was not originated or was not sold in calendar year covered by register,0,,,Not a HOEPA loan,2,Secured by a first lien,1,3779,15.36999989,91600,71.12999725,1019,1465 2017,62-1859487,Department of Housing and Urban Development,HUD,7,FHA-insured,2,One-to-four family dwelling (other than manufactured housing),1,Refinancing,3,Owner-occupied as a principal dwelling,1,95,Not applicable,3,Application denied by financial institution,3,"St. Louis - MO, IL",41180,Missouri,MO,29,St. Louis County,189,2108.04,Not Hispanic or Latino,2,No co-applicant,5,Black or African American,3,No co-applicant,8,Female,2,No co-applicant,5,26,Loan was not originated or was not sold in calendar year covered by register,0,Credit history,3,Not a HOEPA loan,2,Secured by a first lien,1,9786,87.36000061,74300,100.75,2517,3325 2017,71-0697350,Department of Housing and Urban Development,HUD,7,Conventional,1,One-to-four family dwelling (other than manufactured housing),1,Home purchase,1,Not owner-occupied as a principal dwelling,2,38,Not applicable,3,Application denied by financial institution,3,"Texarkana - TX, AR",45500,Arkansas,AR,5,Miller County,91,210,Not Hispanic or Latino,2,No co-applicant,5,White,5,No co-applicant,8,Male,1,No co-applicant,5,36,Loan was not originated or was not sold in calendar year covered by register,0,Credit history,3,Not a HOEPA loan,2,Secured by a first lien,1,8031,8.289999962,53000,114.6900024,2450,3353 2017,3656,Office of the Comptroller of the Currency,OCC,1,Conventional,1,One-to-four family dwelling (other than manufactured housing),1,Home purchase,1,Owner-occupied as a principal dwelling,1,45,Preapproval was not requested,2,Application denied by financial institution,3,"Dallas, Plano, Irving - TX",19124,Texas,TX,48,Dallas County,113,80,"Information not provided by applicant in mail, Internet, or telephone application",3,No co-applicant,5,"Information not provided by applicant in mail, Internet, or telephone application",6,No co-applicant,8,"Information not provided by applicant in mail, Internet, or telephone application",3,No co-applicant,5,490,Loan was not originated or was not sold in calendar year covered by register,0,Credit history,3,Not a HOEPA loan,2,Secured by a subordinate lien,2,6926,12.8199997,73400,255.5500031,2472,2747 2017,22-3039688,Department of Housing and Urban Development,HUD,7,FHA-insured,2,One-to-four family dwelling (other than manufactured housing),1,Home purchase,1,Owner-occupied as a principal dwelling,1,250,Not applicable,3,Loan purchased by the institution,6,Colorado Springs - CO,17820,Colorado,CO,8,El Paso County,41,28,Not applicable,4,Not applicable,4,Not applicable,7,Not applicable,7,Not applicable,4,Not applicable,4,,Ginnie Mae (GNMA),2,,,Not a HOEPA loan,2,Not applicable,4,5871,56.11999893,73500,65.26000214,1002,1735 2017,817824,Consumer Financial Protection Bureau,CFPB,9,Conventional,1,One-to-four family dwelling (other than manufactured housing),1,Home purchase,1,Not owner-occupied as a principal dwelling,2,329,Preapproval was not requested,2,Application withdrawn by applicant,4,"Orlando, Kissimmee, Sanford - FL",36740,Florida,FL,12,Osceola County,97,408.03,Not Hispanic or Latino,2,No co-applicant,5,"Information not provided by applicant in mail, Internet, or telephone application",6,No co-applicant,8,Female,2,No co-applicant,5,75,Loan was not originated or was not sold in calendar year covered by register,0,,,Not a HOEPA loan,2,Secured by a first lien,1,8465,16.21999931,58400,160.8999939,1838,2805 2017,451965,Consumer Financial Protection Bureau,CFPB,9,Conventional,1,One-to-four family dwelling (other than manufactured housing),1,Home purchase,1,Owner-occupied as a principal dwelling,1,285,Not applicable,3,Loan purchased by the institution,6,"San Antonio, New Braunfels - TX",41700,Texas,TX,48,Bexar County,29,1915.06,"Information not provided by applicant in mail, Internet, or telephone application",3,No co-applicant,5,White,5,No co-applicant,8,Male,1,No co-applicant,5,130,Fannie Mae (FNMA),1,,,Not a HOEPA loan,2,Not applicable,4,5548,49
Answered Same DayDec 03, 2021

Answer To: as of year,respondent id,agency name,agency abbr,agency code,loan type name,loan type,property type...

Mohd answered on Dec 06 2021
142 Votes
Predictive Model of Loan Applicants Data
Company Information:
XYZ company is a technology solutions company in New York. Founded in 1998, XYZ team of 296 employees provides application testing, BI and big dat
a consulting, custom software development, and more to small and enterprise businesses alike.
XYZsoftware provides ongoing independent Quantitative Analytics service for this financial research group, ensuring that the case studies the client has been using for valid, running regression analysis using Microsoft office tools.
We are providing data analytics solutions around the globe. We are a gold partner with Microsoft.
I am a data science professional working at XYZ . By having extensive experience in business analytics. I am deep into business analytics and advanced statistics. I have expertise in drawing actionable insights from data by using tools like R, Excel and Tableau.
Data understanding:
It's loan approval data. It contains applicant demographic, financial and regarding loan approval.
Data preparation:
We fetched data from respective API. It has some missing value no more than 8 or 10 in a few columns. So we have just replaced those values with mean or mode. Organised the sheet in such a manner it's easy to read. We have coded all categorical variables in order to smoothly build regression models.
Continuous Variables:
In case of continuous variables, we want to see the central tendency and the distribution of the variable.These are measured using various statistical visualization methods such as Histogram.
In case we want to analyse variation in two variables ( both must be continuous).
Categorical Variables
For categorical variables, we need to understand the distribution of each category. It can be measured using aggregation like count against each category. Bar chart can be used as a visualization.
Data dictionary: URL
Correlation matrix:
Figure: 1
As we know generally loan amounts are based on an individual's income. Loan providers want to be sure about their repayment of loan.
So they prefer those...
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