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Finance · Decision Making · Banking

Loan Approval Decision Tree

Type Decision treeStandard Howard-Raiffa / CART-sklearn / taxonomyEngine schematex-decisiontreeUpdated 5/27/2026
Loan Approval Decision Tree
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The request

“A loan approval decision tree: approve applicants with credit score above 700, income above $50,000, and debt-to-income below 30%; use manual review or conditional approval for the remaining thresholds.”

Then tryAdd an employment-length checkChange the income threshold to $60,000
What is in this drawing

Read the decisions behind it.

01

credit score threshold >700

02

income check >$50,000

When evaluating loan applications with credit score, income, and DTI criteria.

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