| lendingclub {creditmodel} | R Documentation |
Lending Club data
Description
This data contains complete loan data for all loans issued through the time period stated, including the current loan status (Current, Late, Fully Paid, etc.) and latest payment information. The data containing loan data through the "present" contains complete loan data for all loans issued through the previous completed calendar quarter(time period: 2018Q1:2018Q4).
Format
A data frame with 63532 rows and 145 variables.
Details
id: A unique LC assigned ID for the loan listing.
issue_d: The month which the loan was funded.
loan_status: Current status of the loan.
addr_state: The state provided by the borrower in the loan application.
acc_open_past_24mths: Number of trades opened in past 24 months.
all_util: Balance to credit limit on all trades.
annual_inc: The self:reported annual income provided by the borrower during registration.
avg_cur_bal: Average current balance of all accounts.
bc_open_to_buy: Total open to buy on revolving bankcards.
bc_util: Ratio of total current balance to high credit/credit limit for all bankcard accounts.
dti: A ratio calculated using the borrower's total monthly debt payments on the total debt obligations, excluding mortgage and the requested LC loan, divided by the borrower's self:reported monthly income.
dti_joint: A ratio calculated using the co:borrowers' total monthly payments on the total debt obligations, excluding mortgages and the requested LC loan, divided by the co:borrowers' combined self:reported monthly income
emp_length: Employment length in years. Possible values are between 0 and 10 where 0 means less than one year and 10 means ten or more years.
emp_title: The job title supplied by the Borrower when applying for the loan.
funded_amnt_inv: The total amount committed by investors for that loan at that point in time.
grade: LC assigned loan grade
inq_last_12m: Number of credit inquiries in past 12 months
installment: The monthly payment owed by the borrower if the loan originates.
max_bal_bc: Maximum current balance owed on all revolving accounts
mo_sin_old_il_acct: Months since oldest bank installment account opened
mo_sin_old_rev_tl_op: Months since oldest revolving account opened
mo_sin_rcnt_rev_tl_op: Months since most recent revolving account opened
mo_sin_rcnt_tl: Months since most recent account opened
mort_acc: Number of mortgage accounts.
pct_tl_nvr_dlq: Percent of trades never delinquent
percent_bc_gt_75: Percentage of all bankcard accounts > 75
purpose: A category provided by the borrower for the loan request.
sub_grade: LC assigned loan subgrade
term: The number of payments on the loan. Values are in months and can be either 36 or 60.
tot_cur_bal: Total current balance of all accounts
tot_hi_cred_lim: Total high credit/credit limit
total_acc: The total number of credit lines currently in the borrower's credit file
total_bal_ex_mort: Total credit balance excluding mortgage
total_bc_limit: Total bankcard high credit/credit limit
total_cu_tl: Number of finance trades
total_il_high_credit_limit: Total installment high credit/credit limit
verification_status_joint: Indicates if the co:borrowers' joint income was verified by LC, not verified, or if the income source was verified
zip_code: The first 3 numbers of the zip code provided by the borrower in the loan application.