Finance
32 columns
600 rows
8 formats

Loan Application Data

This dataset provides a comprehensive record of consumer and commercial loan applications, capturing applicant information, credit history, income verification, collateral details, and underwriting decisions. It enables robust analysis of lending trends, risk profiles, and operational efficiency for financial institutions.

last updated 1 Nov 2025
by GoMask

The brief that made it

Credit risk modeling and assessment

Sample rows

preview · 8 of 600 rows · all 32 columns

application_idstring	underwriting_decisionstring	credit_scoreinteger	collateral_typestring	application_typestring	application_datedate	applicant_idstring	applicant_typestring	applicant_first_namestring	applicant_last_namestring	applicant_business_namestring	applicant_emailstring	applicant_phonestring	applicant_street_addressstring	applicant_citystring	applicant_statestring	applicant_postal_codestring	applicant_countrystring	loan_amount_requestedfloat	loan_purposestring	loan_term_monthsinteger	loan_interest_ratefloat	credit_report_datedate	credit_report_agencystring	annual_incomefloat	income_verification_typestring	income_verification_datedate	collateral_valuefloat	collateral_descriptionstring	underwriter_idstring	decision_datedate	decision_notesstring
APP-1001	approved	712	blank	consumer	2024-04-16	IND-2001	individual	Emma	Roberts	blank	emma.roberts24@gmail.com	+1-212-555-2482	1024 Madison Ave	New York	NY	10021	USA	42000.75	home improvement	84	6.8	2024-04-10	Experian	98000	paystub	2024-04-12	blank	blank	UW-101	2024-04-20	Approved based on stable income and good credit score.
APP-1002	approved	734	medical equipment	commercial	2024-03-23	BUS-2002	business	blank	blank	MediTech Solutions LLC	contact@meditechsolutions.com	+1-415-555-6643	300 Market Street	San Francisco	CA	94105	USA	370000.5	equipment purchase	60	9	2024-03-15	Equifax	550000	audited financials	2024-03-16	275000	GE MRI Scanner, Siemens X-Ray machine	UW-102	2024-03-28	Approved due to strong financials and verified collateral.
APP-1003	approved	677	vehicle	consumer	2024-02-12	IND-2003	individual	Ajay	Patel	blank	ajay.patel22@rediffmail.com	+91-22-4967-3322	18 Marine Drive	Mumbai	MH	400002	India	23000	auto purchase	48	8.5	2024-02-08	TransUnion	45000	salary letter	2024-02-10	12000	2018 Hyundai i20, registration MH12DE4455	UW-103	2024-02-16	Applicant has sufficient income and provided collateral.
APP-1004	declined	418	blank	consumer	2023-11-28	IND-2004	individual	Fatima	Okafor	blank	fatima.okafor.ng@gmail.com	+234-1-4456-2231	27 Adeola Odeku St	Lagos	LA	101233	Nigeria	7200	medical bill	12	19.2	2023-11-22	CR Services	12600	bank statement	2023-11-23	blank	blank	UW-104	2023-12-03	Income insufficient for requested loan amount.
APP-1005	approved	789	real estate	commercial	2024-04-04	BUS-2005	business	blank	blank	EuroBuild SARL	admin@eurobuild.fr	+33-1-4820-1122	25 Rue de la Paix	Paris	IDF	75002	France	850000	real estate acquisition	120	4.5	2024-03-29	Coface	2100000	audited financials	2024-03-31	1200000	Commercial property, 25 Rue de la Paix, Paris	UW-105	2024-04-09	Excellent credit and strong collateral, approved.
APP-1006	declined	359	blank	consumer	2023-06-21	IND-2006	individual	Olga	Ivanova	blank	ivanova.olga77@mail.ru	+7-495-441-1832	14 Prospekt Mira	Moscow	MOW	129090	Russia	1300	mobile phone purchase	9	24.7	2023-06-15	NBKI	7050	bank statement	2023-06-16	blank	blank	UW-106	2023-06-26	Low credit score and high interest rate; declined.
APP-1007	approved	652	inventory	commercial	2024-05-01	BUS-2007	business	blank	blank	Global Foods Ltd	finance@globalfoods.co.uk	+44-20-7946-2039	19 Fleet Street	London	ENG	EC4Y1AA	UK	275000	inventory purchase	36	11.3	2024-04-26	Experian UK	340000	tax return	2024-04-28	125000	Bulk food inventory, various suppliers	UW-107	2024-05-06	Approved with inventory as collateral.
APP-1008	approved	639	blank	consumer	2024-01-18	IND-2008	individual	John	Miller	blank	john.miller87@outlook.com	+1-305-555-8427	5441 NW 2nd Ave	Miami	FL	33127	USA	34000	vacation	24	13.9	2024-01-10	Equifax	58000	paystub	2024-01-12	blank	blank	UW-108	2024-01-23	Approved based on credit score and employment verification.
APP-1009	approved	783	blank	consumer	2022-12-07	IND-2009	individual	Lucas	Martin	blank	lucas.martin.fr@gmail.com	+33-4-8392-1132	8 Rue Jean Jaurès	Marseille	PAC	13001	France	9500	education	36	8.1	2022-12-03	Coface	42000	bank statement	2022-12-04	blank	blank	UW-109	2022-12-11	Education loan approved for high score and reliable income.
APP-1010	approved	803	vehicle fleet	commercial	2023-09-08	BUS-2010	business	blank	blank	Alpha Logistics GmbH	hello@alphalogistics.de	+49-30-8899-2014	42 Friedrichstr	Berlin	BE	10117	Germany	695000	fleet expansion	72	6.2	2023-09-02	Creditreform	1800000	audited financials	2023-09-03	770000	12 Mercedes Actros trucks	UW-110	2023-09-13	Approved for fleet expansion backed by strong collateral.
APP-1011	declined	522	blank	consumer	2023-10-17	IND-2011	individual	Priya	Singh	blank	priya.singh@gmail.com	+91-33-6758-2345	45 Park Street	Kolkata	WB	700016	India	9000	wedding expenses	18	17.3	2023-10-11	TransUnion	22000	bank statement	2023-10-13	blank	blank	UW-111	2023-10-21	High interest rate and low score; declined.
APP-1012	approved	842	intellectual property	commercial	2022-10-27	BUS-2012	business	blank	blank	TechNova Inc	accounts@technova.com	+1-512-555-9932	2201 W Braker Lane	Austin	TX	78758	USA	1200000	R&D investment	72	3.8	2022-10-21	Experian	5600000	audited financials	2022-10-22	1600000	Patent portfolio for new microchip tech	UW-112	2022-11-02	Excellent credit and significant IP collateral.
APP-1013	approved	624	blank	consumer	2024-05-05	IND-2013	individual	Sophie	Lemoine	blank	sophie.lemoine@orange.fr	+33-5-4558-9932	12 Avenue Victor Hugo	Toulouse	OCC	31000	France	13000	vacation	30	11.7	2024-04-28	Coface	32000	salary letter	2024-05-01	blank	blank	UW-113	2024-05-10	Stable employment and acceptable score.
APP-1014	approved	601	equipment	commercial	2023-05-18	BUS-2014	business	blank	blank	Sunrise Trading Pvt Ltd	ceo@sunrisetrading.in	+91-11-9816-4412	75 Connaught Place	Delhi	DL	110001	India	210000	working capital	24	13.5	2023-05-13	CRIF	97000	bank statement	2023-05-14	51000	Industrial textile machinery	UW-114	2023-05-23	Approved with equipment as collateral.
APP-1015	approved	758	blank	consumer	2024-03-01	IND-2015	individual	Harold	Wong	blank	harold.wong@gmail.com	+1-415-555-6319	650 Post Street	San Francisco	CA	94109	USA	17500	education	30	7.9	2024-02-22	Experian	65000	paystub	2024-02-23	blank	blank	UW-115	2024-03-06	High score and verified income, approved.
APP-1016	declined	488	blank	consumer	2023-03-17	IND-2016	individual	Elena	Popova	blank	elena.popova@ya.ru	+7-812-411-2224	29 Nevsky Prospekt	St Petersburg	SPE	191025	Russia	2500	travel	12	22.5	2023-03-12	NBKI	11500	bank statement	2023-03-13	blank	blank	UW-116	2023-03-22	Low score and income; declined.
APP-1017	approved	841	manufacturing equipment	commercial	2024-04-25	BUS-2017	business	blank	blank	NetCom Systems	info@netcomsystems.com	+1-617-555-2842	770 Boylston St	Boston	MA	02116	USA	2800000	large equipment purchase	110	2.5	2024-04-19	Equifax	8500000	audited financials	2024-04-20	3100000	Automated CNC machinery for plant expansion	UW-117	2024-04-30	Approved due to strong collateral and high credit score.
APP-1018	approved	621	blank	consumer	2023-08-09	IND-2018	individual	Grace	Nguyen	blank	grace.nguyen88@gmail.com	+1-619-555-3312	1512 Palm Ave	San Diego	CA	92154	USA	7500	auto purchase	24	13.5	2023-08-04	Experian	39000	paystub	2023-08-05	blank	blank	UW-118	2023-08-14	Auto loan approved based on employment verification.
APP-1019	approved	693	office equipment	commercial	2023-07-22	BUS-2019	business	blank	blank	DigiWorks LLC	finance@digiworksllc.com	+1-312-555-7702	120 S State St	Chicago	IL	60603	USA	153000	office expansion	36	12.1	2023-07-17	Equifax	210000	tax return	2023-07-18	82000	Computers, furniture, server racks	UW-119	2023-07-27	Expansion loan approved; collateral verified.
APP-1020	declined	325	blank	consumer	2022-11-18	IND-2020	individual	Dmitry	Morozov	blank	dmitry.morozov@inbox.ru	+7-812-411-9227	7 Ulitsa Sadovaya	St Petersburg	SPE	191023	Russia	500	test transaction	2	31.8	2022-11-10	NBKI	1800	none	blank	blank	blank	UW-120	2022-11-23	Edge case: very low loan and income; declined.

What the 600 rows show

from the 600-row sample

Declined (underwriting decision) stands out: mean credit_score is 443.6, against 725.4 for the rest.

689median credit_score
2application types
2applicant types
6income verification types
36applicant countries
75credit report agencies

Mean credit_score by underwriting_decision600 rows

credit_score600 rows, in bands of 100

Median 689, from 301 to 850.

collateral_type230 rows with a value · 370 left blank

equipment90
real estate42
inventory24
vehicle16
intellectual property15
office equipment3
farm equipment3
machinery3
vehicle fleet2
manufacturing equipment2

32 columns by typefrom the column list below

string 22
integer 2
float 4
date 4

Columns

32 columns in three groups

blueprint · 32 columns
column	type	description	example
Text 22 columns
`application_id`	string	Unique identifier for each loan applicationunique	APP-1001
`application_type`	string	Type of loan application (consumer or commercial)consumer · commercial	consumer
`applicant_id`	string	Unique identifier for the applicant (individual or business)	IND-2001
`applicant_type`	string	Indicates if the applicant is an individual or a business entityindividual · business	individual
`applicant_first_name`	string	First name of the applicant (if individual)optional	Emma
`applicant_last_name`	string	Last name of the applicant (if individual)optional	Roberts
`applicant_business_name`	string	Legal name of the business (if business applicant)optional	MediTech Solutions LLC
`applicant_email`	string	Email address of the applicantoptional	emma.roberts24@gmail.com
`applicant_phone`	string	Phone number of the applicantoptional	+1-212-555-2482
`applicant_street_address`	string	Street address of the applicantoptional	1024 Madison Ave
`applicant_city`	string	City of the applicantoptional	New York
`applicant_state`	string	State or province of the applicantoptional	NY
`applicant_postal_code`	string	Postal code of the applicantoptional	10021
`applicant_country`	string	Country of the applicantoptional	USA
`loan_purpose`	string	Purpose of the loan (e.g., home purchase, business expansion)	home improvement
`credit_report_agency`	string	Credit bureau or agency providing the reportoptional	Experian
`income_verification_type`	string	Type of income verification provided (e.g., paystub, tax return, bank statement)6 types · optional	paystub
`collateral_type`	string	Type of collateral offered (e.g., real estate, vehicle, equipment)optional	medical equipment
`collateral_description`	string	Brief description of the collateraloptional	Bulk textile inventory
`underwriter_id`	string	Unique identifier for the underwriter who reviewed the applicationoptional	UW-101
`underwriting_decision`	string	Final decision from underwriting (approved, declined, pending)approved · declined · pending	approved
`decision_notes`	string	Additional notes or comments from the underwriteroptional	Vacation loan approved.
Numbers 6 columns
`loan_amount_requested`	float	Amount of loan requested by the applicant0.01 or more	42000.75
`loan_term_months`	integer	Requested loan term in months1 or more	84
`loan_interest_rate`	float	Interest rate offered for the loan0 or more · optional	6.8
`credit_score`	integer	Credit score of the applicant at time of application300 to 850 · optional	712
`annual_income`	float	Annual income of the applicant (individual or business)0 or more · optional	98000
`collateral_value`	float	Estimated value of the collateral0 or more · optional	275000
Dates and times 4 columns
`application_date`	date	Date when the loan application was submitted	2024-04-16
`credit_report_date`	date	Date the credit report was pulledoptional	2024-04-10
`income_verification_date`	date	Date income was verifiedoptional	2024-04-12
`decision_date`	date	Date the underwriting decision was madeoptional	2024-04-20

Use it for

A finance dashboard
Credit_score by underwriting_decision and a breakdown of collateral_type. Excel, Power BI or Tableau.
Why do the 152 declined rows have a mean credit_score of 443.6?
A root-cause class exercise
Hand out the rows and one question. The answer is in the data, not in the brief.
Applications600
APP-1001712approved
APP-1002734approved
APP-1003677approved
A software demo
Believable applications with application_type, application_date and applicant_id to fill a screen in front of a buyer.

This dataset600 rows32 columns

Yours1,000 rows32 columnsapplicant_street_address: UK only

blueprint · loan-application-data-2

Behind this dataset

Same schema. As many rows as you need.

These 600 rows came out of a blueprint — 32 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with

Application ID unique per request
Loan type: personal, auto, mortgage, commercial
Requested amount and term
Applicant credit score pulled
Debt-to-income ratio calculated
Income verification documentation
Collateral appraisal if secured
Decision: approved, declined, conditional

Rows1,000 rows10,000 rows100,000 rows1,000,000 rows

Open the blueprint in Data Factory

1 credit per row. New accounts start with 25 free credits.

Exports: CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence: yours to use, including commercially
API slug: loan-application-data-2

What should your data show?

No signup. No card.

Sample rows

What the 600 rows show

Columns

Use it for

A finance dashboard

A root-cause class exercise

A software demo

Make it yours.

Same schema. As many rows as you need.

More in Finance

What should your data show?