data_dictionary/data_dictionary_summary.csv

Variable,Description,Missing Values,Percentage (%),Missingness Label
member_id,A unique LC assigned Id for the borrower member.,1345350.0,100.0,Very High (95-100%)
next_pymnt_d,Next scheduled payment date,1345310.0,99.99702679600104,Very High (95-100%)
orig_projected_additional_accrued_interest,The original projected additional interest amount that will accrue for the given hardship payment plan as of the Hardship Start Date. This field will be null if the borrower has broken their hardship payment plan.,1341589.0,99.72044449399785,Very High (95-100%)
hardship_last_payment_amount,The last payment amount as of the hardship plan start date,1339594.0,99.57215594454975,Very High (95-100%)
hardship_reason,Describes the reason the hardship plan was offered,1339594.0,99.57215594454975,Very High (95-100%)
hardship_type,Describes the hardship plan offering,1339594.0,99.57215594454975,Very High (95-100%)
deferral_term,Amount of months that the borrower is expected to pay less than the contractual monthly payment amount due to a hardship plan,1339594.0,99.57215594454975,Very High (95-100%)
hardship_amount,The interest payment that the borrower has committed to make each month while they are on a hardship plan,1339594.0,99.57215594454975,Very High (95-100%)
hardship_length,The number of months the borrower will make smaller payments than normally obligated due to a hardship plan,1339594.0,99.57215594454975,Very High (95-100%)
hardship_end_date,The end date of the hardship plan period,1339594.0,99.57215594454975,Very High (95-100%)
hardship_dpd,Account days past due as of the hardship plan start date,1339594.0,99.57215594454975,Very High (95-100%)
hardship_loan_status,Loan Status as of the hardship plan start date,1339594.0,99.57215594454975,Very High (95-100%)
hardship_payoff_balance_amount,The payoff balance amount as of the hardship plan start date,1339594.0,99.57215594454975,Very High (95-100%)
payment_plan_start_date,"The day the first hardship plan payment is due. For example, if a borrower has a hardship plan period of 3 months, the start date is the start of the three-month period in which the borrower is allowed to make interest-only payments.",1339594.0,99.57215594454975,Very High (95-100%)
hardship_status,"Describes if the hardship plan is active, pending, canceled, completed, or broken",1339594.0,99.57215594454975,Very High (95-100%)
hardship_start_date,The start date of the hardship plan period,1339594.0,99.57215594454975,Very High (95-100%)
sec_app_mths_since_last_major_derog, Months since most recent 90-day or worse rating at time of application for the secondary applicant,1338701.0,99.50577916527298,Very High (95-100%)
sec_app_revol_util, Ratio of total current balance to high credit/credit limit for all revolving accounts,1327042.0,98.6391645296763,Very High (95-100%)
revol_bal_joint," Sum of revolving credit balance of the co-borrowers, net of duplicate balances",1326715.0,98.6148585869848,Very High (95-100%)
sec_app_mort_acc, Number of mortgage accounts at time of application for the secondary applicant,1326714.0,98.61478425688482,Very High (95-100%)
sec_app_chargeoff_within_12_mths, Number of charge-offs within last 12 months at time of application for the secondary applicant,1326714.0,98.61478425688482,Very High (95-100%)
sec_app_earliest_cr_line, Earliest credit line at time of application for the secondary applicant,1326714.0,98.61478425688482,Very High (95-100%)
sec_app_open_act_il, Number of currently active installment trades at time of application for the secondary applicant,1326714.0,98.61478425688482,Very High (95-100%)
sec_app_inq_last_6mths, Credit inquiries in the last 6 months at time of application for the secondary applicant,1326714.0,98.61478425688482,Very High (95-100%)
sec_app_fico_range_low, FICO range (high) for the secondary applicant,1326714.0,98.61478425688482,Very High (95-100%)
sec_app_num_rev_accts, Number of revolving accounts at time of application for the secondary applicant,1326714.0,98.61478425688482,Very High (95-100%)
sec_app_fico_range_high, FICO range (low) for the secondary applicant,1326714.0,98.61478425688482,Very High (95-100%)
sec_app_open_acc, Number of open trades at time of application for the secondary applicant,1326714.0,98.61478425688482,Very High (95-100%)
sec_app_collections_12_mths_ex_med, Number of collections within last 12 months excluding medical collections at time of application for the secondary applicant,1326714.0,98.61478425688482,Very High (95-100%)
verification_status_joint,"Indicates if the co-borrowers' joint income was verified by LC, not verified, or if the income source was verified",1319749.0,98.09707511056602,Very High (95-100%)
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",1319547.0,98.08206043037127,Very High (95-100%)
annual_inc_joint,The combined self-reported annual income provided by the co-borrowers during registration,1319544.0,98.08183744007137,Very High (95-100%)
settlement_date,The date that the borrower agrees to the settlement plan,1312068.0,97.52614561266584,Very High (95-100%)
settlement_term,The number of months that the borrower will be on the settlement plan,1312068.0,97.52614561266584,Very High (95-100%)
settlement_percentage,The settlement amount as a percentage of the payoff balance amount on the loan,1312068.0,97.52614561266584,Very High (95-100%)
debt_settlement_flag_date,The most recent date that the Debt_Settlement_Flag has been set  ,1312068.0,97.52614561266584,Very High (95-100%)
settlement_amount,The loan amount that the borrower has agreed to settle for,1312068.0,97.52614561266584,Very High (95-100%)
settlement_status,"The status of the borrower’s settlement plan. Possible values are: COMPLETE, ACTIVE, BROKEN, CANCELLED, DENIED, DRAFT",1312068.0,97.52614561266584,Very High (95-100%)
desc,Loan description provided by the borrower,1221820.0,90.8180027502137,High (50-94%)
mths_since_last_record,The number of months since the last public record.,1116786.0,83.01081502954621,High (50-94%)
mths_since_recent_bc_dlq,Months since most recent bankcard delinquency,1026321.0,76.28654253539972,High (50-94%)
mths_since_last_major_derog,Months since most recent 90-day or worse rating,991593.0,73.70520682350318,High (50-94%)
mths_since_recent_revol_delinq,Months since most recent revolving delinquency.,895374.0,66.55323893410636,High (50-94%)
il_util,Ratio of total current balance to high credit/credit limit on all install acct,880303.0,65.43300999739844,High (50-94%)
mths_since_rcnt_il,Months since most recent installment accounts opened,821931.0,61.09421340171702,High (50-94%)
all_util,Balance to credit limit on all trades,807767.0,60.04140186568551,High (50-94%)
total_cu_tl,Number of finance trades,807715.0,60.03753670048686,High (50-94%)
inq_last_12m,Number of credit inquiries in past 12 months,807715.0,60.03753670048686,High (50-94%)
open_acc_6m,Number of open trades in last 6 months,807715.0,60.03753670048686,High (50-94%)
open_act_il,Number of currently active installment trades,807714.0,60.03746237038688,High (50-94%)
open_rv_24m,Number of revolving trades opened in past 24 months,807714.0,60.03746237038688,High (50-94%)
open_rv_12m,Number of revolving trades opened in past 12 months,807714.0,60.03746237038688,High (50-94%)
open_il_24m,Number of installment accounts opened in past 24 months,807714.0,60.03746237038688,High (50-94%)
open_il_12m,Number of installment accounts opened in past 12 months,807714.0,60.03746237038688,High (50-94%)
total_bal_il,Total current balance of all installment accounts,807714.0,60.03746237038688,High (50-94%)
max_bal_bc,Maximum current balance owed on all revolving accounts,807714.0,60.03746237038688,High (50-94%)
inq_fi,Number of personal finance inquiries,807714.0,60.03746237038688,High (50-94%)
mths_since_last_delinq,The number of months since the borrower's last delinquency.,678761.0,50.452372988441674,High (50-94%)
mths_since_recent_inq,Months since most recent inquiry.,174073.0,12.938863492771398,Moderate (10-49%)
num_tl_120dpd_2m,Number of accounts currently 120 days past due (updated in past 2 months),117403.0,8.726576727245698,Low (<10%)
mo_sin_old_il_acct,Months since oldest bank installment account opened,105576.0,7.847474634853384,Low (<10%)
emp_title,The job title supplied by the Borrower when applying for the loan.*,85791.0,6.3768536068681,Low (<10%)
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. ,78516.0,5.836102129557364,Low (<10%)
pct_tl_nvr_dlq,Percent of trades never delinquent,67681.0,5.0307354963392426,Low (<10%)
avg_cur_bal,Average current balance of all accounts,67549.0,5.020923923142677,Low (<10%)
mo_sin_old_rev_tl_op,Months since oldest revolving account opened,67528.0,5.019362991043223,Low (<10%)
mo_sin_rcnt_rev_tl_op,Months since most recent revolving account opened,67528.0,5.019362991043223,Low (<10%)
num_rev_accts,Number of revolving accounts,67528.0,5.019362991043223,Low (<10%)
num_op_rev_tl,Number of open revolving accounts,67527.0,5.019288660943249,Low (<10%)
num_actv_bc_tl,Number of currently active bankcard accounts,67527.0,5.019288660943249,Low (<10%)
num_tl_op_past_12m,Number of accounts opened in past 12 months,67527.0,5.019288660943249,Low (<10%)
num_il_tl,Number of installment accounts,67527.0,5.019288660943249,Low (<10%)
num_rev_tl_bal_gt_0,Number of revolving trades with balance >0,67527.0,5.019288660943249,Low (<10%)
mo_sin_rcnt_tl,Months since most recent account opened,67527.0,5.019288660943249,Low (<10%)
tot_cur_bal,Total current balance of all accounts,67527.0,5.019288660943249,Low (<10%)
tot_coll_amt,Total collection amounts ever owed,67527.0,5.019288660943249,Low (<10%)
total_rev_hi_lim,Total revolving high credit/credit limit,67527.0,5.019288660943249,Low (<10%)
total_il_high_credit_limit,Total installment high credit/credit limit,67527.0,5.019288660943249,Low (<10%)
tot_hi_cred_lim,Total high credit/credit limit,67527.0,5.019288660943249,Low (<10%)
num_actv_rev_tl,Number of currently active revolving trades,67527.0,5.019288660943249,Low (<10%)
num_tl_90g_dpd_24m,Number of accounts 90 or more days past due in last 24 months,67527.0,5.019288660943249,Low (<10%)
num_bc_tl,Number of bankcard accounts,67527.0,5.019288660943249,Low (<10%)
num_tl_30dpd,Number of accounts currently 30 days past due (updated in past 2 months),67527.0,5.019288660943249,Low (<10%)
num_accts_ever_120_pd,Number of accounts ever 120 or more days past due,67527.0,5.019288660943249,Low (<10%)
bc_util,Ratio of total current balance to high credit/credit limit for all bankcard accounts.,61914.0,4.602073809789274,Low (<10%)
percent_bc_gt_75,Percentage of all bankcard accounts > 75% of limit.,61557.0,4.575537964098562,Low (<10%)
bc_open_to_buy,Total open to buy on revolving bankcards.,61145.0,4.54491396290928,Low (<10%)
mths_since_recent_bc,Months since most recent bankcard account opened.,60223.0,4.476381610733267,Low (<10%)
num_bc_sats,Number of satisfactory bankcard accounts,55841.0,4.150667112647267,Low (<10%)
num_sats,Number of satisfactory accounts,55841.0,4.150667112647267,Low (<10%)
acc_open_past_24mths,Number of trades opened in past 24 months.,47281.0,3.5144014568699595,Low (<10%)
total_bal_ex_mort,Total credit balance excluding mortgage,47281.0,3.5144014568699595,Low (<10%)
total_bc_limit,Total bankcard high credit/credit limit,47281.0,3.5144014568699595,Low (<10%)
mort_acc,Number of mortgage accounts.,47281.0,3.5144014568699595,Low (<10%)
title,The loan title provided by the borrower,16660.0,1.2383394655665811,Low (<10%)
last_pymnt_d,Last month payment was received,2313.0,0.17192552123982607,Low (<10%)
revol_util,"Revolving line utilization rate, or the amount of credit the borrower is using relative to all available revolving credit.",857.0,0.06370089567770469,Low (<10%)
pub_rec_bankruptcies,Number of public record bankruptcies,697.0,0.05180807968186717,Low (<10%)
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.",374.0,0.027799457390270187,Low (<10%)
chargeoff_within_12_mths,Number of charge-offs within 12 months,56.0,0.00416248559854313,Low (<10%)
collections_12_mths_ex_med,Number of collections in 12 months excluding medical collections,56.0,0.00416248559854313,Low (<10%)
last_credit_pull_d,The most recent month LC pulled credit for this loan,55.0,0.004088155498569146,Low (<10%)
tax_liens,Number of tax liens,39.0,0.002898873898985394,Low (<10%)
zip_code,The first 3 numbers of the zip code provided by the borrower in the loan application.,1.0,7.433009997398447e-05,Low (<10%)
inq_last_6mths,The number of inquiries in past 6 months (excluding auto and mortgage inquiries),1.0,7.433009997398447e-05,Low (<10%)
fico_range_high,The upper boundary range the borrower’s FICO at loan origination belongs to.,0.0,0.0,None (0%)
collection_recovery_fee,post charge off collection fee,0.0,0.0,None (0%)
application_type,Indicates whether the loan is an individual application or a joint application with two co-borrowers,0.0,0.0,None (0%)
addr_state,The state provided by the borrower in the loan application,0.0,0.0,None (0%)
annual_inc,The self-reported annual income provided by the borrower during registration.,0.0,0.0,None (0%)
acc_now_delinq,The number of accounts on which the borrower is now delinquent.,0.0,0.0,None (0%)
earliest_cr_line,The month the borrower's earliest reported credit line was opened,0.0,0.0,None (0%)
delinq_amnt,The past-due amount owed for the accounts on which the borrower is now delinquent.,0.0,0.0,None (0%)
delinq_2yrs,The number of 30+ days past-due incidences of delinquency in the borrower's credit file for the past 2 years,0.0,0.0,None (0%)
last_fico_range_high,The upper boundary range the borrower’s last FICO pulled belongs to.,0.0,0.0,None (0%)
issue_d,The month which the loan was funded,0.0,0.0,None (0%)
int_rate,Interest Rate on the loan,0.0,0.0,None (0%)
last_fico_range_low,The lower boundary range the borrower’s last FICO pulled belongs to.,0.0,0.0,None (0%)
pub_rec,Number of derogatory public records,0.0,0.0,None (0%)
policy_code,"publicly available policy_code=1
new products not publicly available policy_code=2",0.0,0.0,None (0%)
out_prncp,Remaining outstanding principal for total amount funded,0.0,0.0,None (0%)
out_prncp_inv,Remaining outstanding principal for portion of total amount funded by investors,0.0,0.0,None (0%)
open_acc,The number of open credit lines in the borrower's credit file.,0.0,0.0,None (0%)
home_ownership,"The home ownership status provided by the borrower during registration or obtained from the credit report. Our values are: RENT, OWN, MORTGAGE, OTHER",0.0,0.0,None (0%)
id,A unique LC assigned ID for the loan listing.,0.0,0.0,None (0%)
initial_list_status,"The initial listing status of the loan. Possible values are – W, F",0.0,0.0,None (0%)
funded_amnt,The total amount committed to that loan at that point in time.,0.0,0.0,None (0%)
funded_amnt_inv,The total amount committed by investors for that loan at that point in time.,0.0,0.0,None (0%)
fico_range_low,The lower boundary range the borrower’s FICO at loan origination belongs to.,0.0,0.0,None (0%)
installment,The monthly payment owed by the borrower if the loan originates.,0.0,0.0,None (0%)
grade,LC assigned loan grade,0.0,0.0,None (0%)
last_pymnt_amnt,Last total payment amount received,0.0,0.0,None (0%)
loan_amnt,"The listed amount of the loan applied for by the borrower. If at some point in time, the credit department reduces the loan amount, then it will be reflected in this value.",0.0,0.0,None (0%)
purpose,A category provided by the borrower for the loan request. ,0.0,0.0,None (0%)
verification_status,"Indicates if income was verified by LC, not verified, or if the income source was verified",0.0,0.0,None (0%)
url,URL for the LC page with listing data.,0.0,0.0,None (0%)
total_rec_late_fee,Late fees received to date,0.0,0.0,None (0%)
total_pymnt,Payments received to date for total amount funded,0.0,0.0,None (0%)
total_pymnt_inv,Payments received to date for portion of total amount funded by investors,0.0,0.0,None (0%)
total_rec_int,Interest received to date,0.0,0.0,None (0%)
total_rec_prncp,Principal received to date,0.0,0.0,None (0%)
total_acc,The total number of credit lines currently in the borrower's credit file,0.0,0.0,None (0%)
pymnt_plan,Indicates if a payment plan has been put in place for the loan,0.0,0.0,None (0%)
sub_grade,LC assigned loan subgrade,0.0,0.0,None (0%)
term,The number of payments on the loan. Values are in months and can be either 36 or 60.,0.0,0.0,None (0%)
revol_bal,Total credit revolving balance,0.0,0.0,None (0%)
recoveries,post charge off gross recovery,0.0,0.0,None (0%)
hardship_flag,Flags whether or not the borrower is on a hardship plan,0.0,0.0,None (0%)
disbursement_method,"The method by which the borrower receives their loan. Possible values are: CASH, DIRECT_PAY",0.0,0.0,None (0%)
debt_settlement_flag,"Flags whether or not the borrower, who has charged-off, is working with a debt-settlement company.",0.0,0.0,None (0%)
loan_status,Current status of the loan,,,