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 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.",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