Loan Evaluation & Risk Assessment System
AI-powered loan approval prediction and risk assessment platform.
Enter applicant details below and the evaluation engine — the same risk, credit, geographic and recommendation logic as the original project — returns a live decision.
Loan application
All fields are validated on the client and re-validated on the server before the evaluation models run.
About the project
This project demonstrates an AI-powered loan evaluation workflow that analyses an applicant's financial, credit, loan and geographic information to produce a risk assessment and a loan recommendation.
The original system is a Python/Streamlit application built from modular components — RiskAnalyzer, CreditScorer, GeolocationAnalyzer, LoanRecommender, DataProcessor and InputValidator. For this portfolio the Streamlit UI is separated from the business logic, which is exposed through a JSON API at POST /api/public/evaluate-loan and consumed by this page.
Every number on the results dashboard — risk score, credit grade, interest rate, amortised monthly payment, approval probability — comes from the evaluation engine on the server, using the same thresholds, weights and formulas as the repository.
Evaluation pipeline
- 1Applicant form (React)
- 2Client-side schema validation
- 3POST /api/public/evaluate-loan
- 4Server-side re-validation
- 5Risk · Credit · Geo · Recommender models
- 6Structured JSON response
- 7Results dashboard
AI-powered risk assessment
Weighted financial, credit and employment risk scoring.
Credit score analysis
Score adjustment by defaults and credit-history length, with grading.
Geographic risk assessment
State-level unemployment, income and crime risk model.
Loan recommendations
Affordability caps, credit-tier pricing and amortised payments.
Interactive evaluation
Full applicant form evaluated live through the API.
Risk classification
LOW / MEDIUM / HIGH categories with contributing factors.
Financial analysis
Monthly payment, total cost and alternative loan structures.
Analytics dashboard
Session-level approval rate, average risk and credit metrics.