Description: Full-stack loan tracking system built with Node.js, Express.js, MongoDB, and React.js. • 2 user roles: regular users apply for loans; admins review, approve, or reject them • 7 REST APIs: registration, login, loan application, status tracking, admin list, approve, reject • JWT authentication with protected routes and middleware-enforced RBAC • MVC architecture with MongoDB Atlas schemas designed using Mongoose • All endpoints tested and validated using Postman Live URL: https://loan-frontend-h30g.onrender.com/ GitHub: https://github.com/shashank2359/Loan-Utilization-Tool