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California Bank Customer Loan Data
Finance & Banking Analytics
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About
This collection of information contains details on 5,000 bank customers in California, focusing on attributes relevant to loan granting decisions. It includes demographic data, financial standing, and their relationship with the bank, such as the use of online services, credit cards, and different account types. The primary purpose of this information is to support classification tasks, specifically for predicting whether a personal loan is granted to a customer.
Columns
- ID: A unique identifier for each customer.
- Age: The age of the customer in years.
- Experience: The customer's years of professional experience.
- Income: The annual income of the customer.
- ZIP Code: The postal code for the customer's location.
- Family: The number of individuals in the customer's family.
- CCAvg: The customer's average monthly spending on their credit card.
- Education: The customer's level of education, categorised as undergraduate, graduate, or professional.
- Mortgage: The value of the customer's mortgage.
- Personal Loan: A binary indicator showing whether the customer was granted a personal loan.
- Securities Account: A binary indicator of whether the customer holds a securities or investment account.
- CD Account: A binary indicator showing if the customer has a Certificate of Deposit (CD) account.
- Online: A binary indicator of whether the customer uses the bank's online services.
- CreditCard: A binary indicator showing if the customer uses a credit card from the bank.
Distribution
The information is provided in a single CSV file named
Bank_Loan_Granting.csv. It has a size of 211.88 kB and consists of 5,000 samples (rows) and 14 features (columns). The data is fully populated, with no missing values.Usage
This information is well-suited for developing and testing binary classification models. It can be used to predict loan approval, analyse factors influencing financial decisions, and understand customer behaviour in a banking context. It is also useful for business intelligence and market segmentation analyses.
Coverage
The geographic scope is limited to bank customers in California. The demographic information includes customer age, family size, income, and education level. There is no specified time range for when the information was collected.
License
CC0: Public Domain
Who Can Use It
- Data Scientists and Analysts: For building predictive models to assess loan risk and for customer segmentation.
- Financial Institutions: To understand the characteristics of customers who are likely to take personal loans.
- Academic Researchers: For studies on consumer finance, credit risk, and banking behaviour.
- Students: As a practical dataset for learning machine learning classification techniques.
Dataset Name Suggestions
- California Bank Customer Loan Data
- Bank Loan Approval Prediction
- Customer Financial Profile for Loan Granting
- California Banking Client Information
Attributes
Original Data Source: California Bank Customer Loan Data
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