| Variable,Description,Dtype,mean_abs_shap,cumulative_pct
|
| int_rate,Interest Rate on the loan,Numeric,0.32780445,11.667716
|
| term_months,"Loan term converted from text (e.g. ""36 months"") to plain numeric months (36 or 60).",Numeric,0.23201394,19.92591
|
| addr_state,The state provided by the borrower in the loan application,Categorical,0.15126105,25.309822
|
| dti,"A ratio calculated using the borrowers total monthly debt payments on the total debt obligations, excluding mortgage and the requested LC loan, divided by the borrowers self-reported monthly income.",Numeric,0.14298378,30.39912
|
| 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",Categorical,0.11530151,34.50311
|
| loan_to_income,"loan_amnt / annual_inc, winsorized at the 99.9th percentile (see Domain-Specific Features above).",Numeric,0.11150077,38.471813
|
| acc_open_past_24mths,Number of trades opened in past 24 months.,Numeric,0.10662905,42.267117
|
| fico_score,Midpoint of the borrower's reported FICO range at origination: (fico_range_low + fico_range_high) / 2.,Numeric,0.08909366,45.438274
|
| purpose,A category provided by the borrower for the loan request. ,Categorical,0.068368375,47.871746
|
| mo_sin_old_rev_tl_op,Months since oldest revolving account opened,Numeric,0.060855158,50.037796
|
| all_util_missing,"Missing-value indicator flag: 1 if `all_util` was missing before imputation, 0 otherwise. (Balance to credit limit on all trades)",Numeric,0.06005916,52.175514
|
| total_cu_tl_missing,"Missing-value indicator flag: 1 if `total_cu_tl` was missing before imputation, 0 otherwise. (Number of finance trades)",Numeric,0.05961795,54.29753
|
| 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.",Numeric,0.05565863,56.278618
|
| total_bc_limit,Total bankcard high credit/credit limit,Numeric,0.054391377,58.2146
|
| mths_since_last_delinq,The number of months since the borrower's last delinquency.,Numeric,0.051157918,60.035492
|
| mort_acc,Number of mortgage accounts.,Numeric,0.04998594,61.81466
|
| emp_length_missing,"Missing-value indicator flag: 1 if `emp_length` was missing before imputation, 0 otherwise. (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. )",Numeric,0.04938113,63.57231
|
| percent_bc_gt_75,Percentage of all bankcard accounts > 75% of limit.,Numeric,0.04666434,65.23326
|
| verification_status,"Indicates if income was verified by LC, not verified, or if the income source was verified",Categorical,0.046607204,66.89217
|
| mths_since_recent_bc,Months since most recent bankcard account opened.,Numeric,0.046524663,68.54816
|
| mths_since_recent_inq,Months since most recent inquiry.,Numeric,0.046242766,70.19409
|
| bc_util,Ratio of total current balance to high credit/credit limit for all bankcard accounts.,Numeric,0.045000713,71.79583
|
| num_actv_rev_tl,Number of currently active revolving trades,Numeric,0.04263305,73.31329
|
| total_rev_hi_lim,Total revolving high credit/credit limit,Numeric,0.04091324,74.76954
|
| total_il_high_credit_limit,Total installment high credit/credit limit,Numeric,0.040093828,76.196625
|
| annual_inc,The self-reported annual income provided by the borrower during registration.,Numeric,0.039209183,77.59222
|
| credit_history_months,Months between the borrower's earliest reported credit line and this loan's issue date.,Numeric,0.038266383,78.95425
|
| avg_cur_bal,Average current balance of all accounts,Numeric,0.03815424,80.312294
|
| tot_hi_cred_lim,Total high credit/credit limit,Numeric,0.034595337,81.54366
|
| num_il_tl,Number of installment accounts,Numeric,0.03400201,82.753914
|
| num_rev_tl_bal_gt_0,Number of revolving trades with balance >0,Numeric,0.031885393,83.88883
|
| revol_util,"Revolving line utilization rate, or the amount of credit the borrower is using relative to all available revolving credit.",Numeric,0.03158231,85.012955
|
| inq_last_6mths,The number of inquiries in past 6 months (excluding auto and mortgage inquiries),Numeric,0.03140092,86.13062
|
| tot_cur_bal,Total current balance of all accounts,Numeric,0.030706123,87.223564
|
| mo_sin_rcnt_tl,Months since most recent account opened,Numeric,0.03018859,88.29808
|
| revol_bal,Total credit revolving balance,Numeric,0.030098377,89.36939
|
| mo_sin_rcnt_rev_tl_op,Months since most recent revolving account opened,Numeric,0.029895458,90.43348
|
| num_tl_op_past_12m,Number of accounts opened in past 12 months,Numeric,0.028099237,91.43363
|
| num_actv_bc_tl,Number of currently active bankcard accounts,Numeric,0.026710898,92.38437
|
| bc_open_to_buy,Total open to buy on revolving bankcards.,Numeric,0.02547008,93.29094
|
| emp_length_years,"Employment length converted from text (e.g. ""10+ years"") to a plain ordinal number (0-10).",Numeric,0.023908326,94.14192
|
| total_acc,The total number of credit lines currently in the borrower's credit file,Numeric,0.022992255,94.960304
|
| installment,The monthly payment owed by the borrower if the loan originates.,Numeric,0.021549344,95.72732
|
| num_rev_accts,Number of revolving accounts,Numeric,0.021134745,96.47958
|
| mo_sin_old_il_acct,Months since oldest bank installment account opened,Numeric,0.020332977,97.20331
|
| installment_to_income,"(installment * 12) / annual_inc, winsorized at the 99.9th percentile (see Domain-Specific Features above).",Numeric,0.02002648,97.91612
|
| pct_tl_nvr_dlq,Percent of trades never delinquent,Numeric,0.019841094,98.62234
|
| num_tl_120dpd_2m_missing,"Missing-value indicator flag: 1 if `num_tl_120dpd_2m` was missing before imputation, 0 otherwise. (Number of accounts currently 120 days past due (updated in past 2 months))",Numeric,0.019550864,99.31822
|
| open_rv_24m,Number of revolving trades opened in past 24 months,Numeric,0.0191555,100.00004
|
|
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