DESCRIPTION

For safe and secure lending experience, it's important to analyze the past data. In this project, you have to build a deep learning model to predict the chance of default for future loans using the historical data. As you will see, this dataset is highly imbalanced and includes a lot of features that make this problem more challenging.

Objective: Create a model that predicts whether or not an applicant will be able to repay a loan using historical data.

Domain: Finance

Analysis to be done: Perform data preprocessing and build a deep learning prediction model.

Steps to be done:

⦁ Load the dataset that is given to you ⦁ Check for null values in the dataset ⦁ Print percentage of default to payer of the dataset for the TARGET column ⦁ Balance the dataset if the data is imbalanced ⦁ Plot the balanced data or imbalanced data ⦁ Encode the columns that is required for the model ⦁ Calculate Sensitivity as a metrice ⦁ Calculate area under receiver operating characteristics curve

30 Year Mortgage Rate in the United States decreased to 6.23 percent in November 26 from 6.26 percent in the previous week. This dataset includes a chart with historical data for the United States 30 Year Mortgage Rate.

Mortgage Rate in Sweden decreased to 2.80 percent in September from 2.84 percent in August of 2025. This dataset includes a chart with historical data for Sweden Average Interest Rate on New Agreements for Mortgages to Households.

Mortgage rates in the Netherlands increased sharply in 2022 and 2023, after declining gradually between 2008 and 2021. In December 2021, the average interest rate for new mortgage loans stood at **** percent, and by the end of 2023, it had risen to **** percent. In May 2025, mortgage rates decreased slightly, falling to **** percent on average. Mortgages with a 10-year fixed rate were the most affordable, at **** percent. Are mortgage rates in the Netherlands different from those in other European countries? When comparing this ranking to data that covers multiple European countries, the Netherlands’ mortgage rate was similar to the rates found in Spain, the United Kingdom, and Sweden. It was, however, a lot lower than the rates in Eastern Europe. Hungary and Romania, for example, had some of the highest mortgage rates. For more information on the European mortgage market and how much the countries differ from each other, please visit this dedicated research page. How big is the mortgage market in the Netherlands? The Netherlands has overall seen an increase in the number of mortgage loans sold and is regarded as one of the countries with the highest mortgage debt in Europe. The reason behind this is that Dutch homeowners were able to for many years to deduct interest paid from pre-tax income (a system known in the Netherlands as hypotheekrenteaftrek). Total mortgage debt of Dutch households has been increasing year-on-year since 2013.

In the 2025 financial year, the total value of the Commonwealth Bank of Australia's home loan lending rose to approximately ***** billion Australian dollars. CommBank is currently the largest Australian bank in terms of market capitalization, with a presence in New Zealand, Asia, the United States, and the United Kingdom.

Fixed 30-year mortgage rates in the United States averaged 6.40 percent in the week ending November 21 of 2025. This dataset provides the latest reported value for - United States MBA 30-Yr Mortgage Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Singapore Housing Loan Rate for 15 Years: 10 Finance Co Average data was reported at 3.160 % pa in Sep 2018. This stayed constant from the previous number of 3.160 % pa for Aug 2018. Singapore Housing Loan Rate for 15 Years: 10 Finance Co Average data is updated monthly, averaging 6.160 % pa from Jan 1983 (Median) to Sep 2018, with 429 observations. The data reached an all-time high of 12.420 % pa in Jan 1983 and a record low of 2.870 % pa in Jul 2013. Singapore Housing Loan Rate for 15 Years: 10 Finance Co Average data remains active status in CEIC and is reported by Monetary Authority of Singapore. The data is categorized under Global Database’s Singapore – Table SG.M001: Lending Rate.

Complete historical table of national mortgage loan limits for conventional, FHA, VA, and USDA loans from 1972 to 2026, showing annual changes by property type

Historical national mortgage loan limits for conventional, FHA, VA, and USDA loans from 1972 to 2026, showing how limits have evolved over time

Following the drastic increase directly after the COVID-19 pandemic, the delinquency rate started to gradually decline, falling below *** percent in the second quarter of 2023. In the second half of 2023, the delinquency rate picked up but remained stable throughout 2024. In the second quarter of 2025, **** percent of mortgage loans were delinquent. That was significantly lower than the **** percent during the onset of the COVID-19 pandemic in 2020 or the peak of *** percent during the subprime mortgage crisis of 2007-2010. What does the mortgage delinquency rate tell us? The mortgage delinquency rate is the share of the total number of mortgaged home loans in the U.S. where payment is overdue by 30 days or more. Many borrowers eventually manage to service their loan, though, as indicated by the markedly lower foreclosure rates. Total home mortgage debt in the U.S. stood at almost ** trillion U.S. dollars in 2024. Not all mortgage loans are made equal ‘Subprime’ loans, being targeted at high-risk borrowers and generally coupled with higher interest rates to compensate for the risk. These loans have far higher delinquency rates than conventional loans. Defaulting on such loans was one of the triggers for the 2007-2010 financial crisis, with subprime delinquency rates reaching almost ** percent around this time. These higher delinquency rates translate into higher foreclosure rates, which peaked at just under ** percent of all subprime mortgages in 2011.

Graph and download economic data for 30-Year Fixed Rate Veterans Affairs Mortgage Index (OBMMIVA30YF) from 2017-01-03 to 2025-12-01 about veterans, 30-year, mortgage, fixed, rate, indexes, and USA.

This dataset provides values for HOME LOANS reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Thailand Housing Loan: to Developers: New Loan: Total data was reported at 24,945.000 THB mn in Sep 2018. This records an increase from the previous number of 22,857.000 THB mn for Jun 2018. Thailand Housing Loan: to Developers: New Loan: Total data is updated quarterly, averaging 18,012.000 THB mn from Mar 2010 (Median) to Sep 2018, with 35 observations. The data reached an all-time high of 29,670.049 THB mn in Dec 2010 and a record low of 9,771.000 THB mn in Jun 2010. Thailand Housing Loan: to Developers: New Loan: Total data remains active status in CEIC and is reported by Real Estate Information Center. The data is categorized under Global Database’s Thailand – Table TH.KB026: Housing Loans: Real Estate Information Center.

As of the end of March 2025, the average mortgage interest rate for Australian owner-occupier borrowers was around *** percent. In comparison, the average investor interest rate was approximately *** percent. These rates refer to outstanding housing loans from banks and registered financial corporations. New loans financed in that month had even similar interest rates, at *** percent for owner-occupiers and *** percent for investors, respectively.

Macau SAR (China) Mortgage Loan: Value: Total data was reported at 1,670,857.000 MOP th in Dec 2024. This records an increase from the previous number of 1,415,135.000 MOP th for Nov 2024. Macau SAR (China) Mortgage Loan: Value: Total data is updated monthly, averaging 2,931,719.000 MOP th from Jan 2000 (Median) to Dec 2024, with 300 observations. The data reached an all-time high of 115,318,215.000 MOP th in Apr 2015 and a record low of 171,375.000 MOP th in Apr 2001. Macau SAR (China) Mortgage Loan: Value: Total data remains active status in CEIC and is reported by Statistics and Census Service. The data is categorized under Global Database’s Macau SAR (China) – Table MO.KB005: Mortgage Loan.

In financial year 2024, banks in India advanced over *** trillion Indian rupees in housing loans. This was an increase compared to the previous year. This reflected renewed homebuyer sentiment, as an increasing number of Indians were investing in buying residential property. Growth of home loans market Forty years ago, home loans were an alien concept. People would direct their provident fund savings and retirement benefits toward buying a home. However, three key institutions: HDFC, ICICI Ltd, and the State bank of India with their new lending concepts led to significant changes in the home loan market. Currently different commercial banks, NBFCs, and housing finance companies have flooded the mortgage market, and giving prospective home buyers from diverse strata of society with bargaining power and a chance at affording a home. Inflation and home loans   India is not untouched by global inflation. To address the problem, the Reserve Bank of India hiked the repo rate **** times since April 2022 to *** percent. Consequently, leading banks and housing finance companies raised their lending rates. For a prospective homebuyer, this meant a rise in tenure for home loans. In other words, equivalent monthly payments (EMIs)for homebuyers have lengthened and become more expensive. In financial year 2022, banks in India advanced around *** trillion Indian rupees in housing loans almost reaching pre-COVID levels.

As of November 2024, the average owner-occupier home loan interest rate was the highest in the Australian state of Western Australia, with an average rate of around **** percent. In comparison, the average mortgage interest rate in Victoria was at around **** percent.

See how mortgage loan limits in Waushara County have evolved over time. This historical chart shows conventional, FHA, VA, and USDA limits for 1-4 unit properties. See local market trends and understand how loan limit increases have changed what's it like to buy a home in the area.

The total outstanding debt of Polish households under housing loans amounted to *** billion zloty in 2024, a *** percent increase from the previous year.

Average Mortgage Size in the United States increased to 381.40 Thousand USD in October from 379.11 Thousand USD in September of 2025. This dataset includes a chart with historical data for the United States Average Mortgage Size.