| { | |
| "int_rate": { | |
| "dtype": "Numeric", | |
| "default": 12.74, | |
| "min": 5.31, | |
| "max": 30.99, | |
| "description": "Interest Rate on the loan" | |
| }, | |
| "term_months": { | |
| "dtype": "Numeric", | |
| "default": 36.0, | |
| "min": 36.0, | |
| "max": 60.0, | |
| "description": "Loan term converted from text (e.g. \"36 months\") to plain numeric months (36 or 60)." | |
| }, | |
| "dti": { | |
| "dtype": "Numeric", | |
| "default": 17.62, | |
| "min": -1.0, | |
| "max": 999.0, | |
| "description": "A ratio calculated using the borrower\u0092s total monthly debt payments on the total debt obligations, excluding mortgage and the requested LC loan, divided by the borrower\u0092s self-reported monthly income." | |
| }, | |
| "acc_open_past_24mths": { | |
| "dtype": "Numeric", | |
| "default": 4.0, | |
| "min": 0.0, | |
| "max": 64.0, | |
| "description": "Number of trades opened in past 24 months." | |
| }, | |
| "fico_score": { | |
| "dtype": "Numeric", | |
| "default": 692.0, | |
| "min": 627.0, | |
| "max": 847.5, | |
| "description": "Midpoint of the borrower's reported FICO range at origination: (fico_range_low + fico_range_high) / 2." | |
| }, | |
| "loan_to_income": { | |
| "dtype": "Numeric", | |
| "default": 0.2, | |
| "min": 0.0001714285714285714, | |
| "max": 1.071428571428571, | |
| "description": "loan_amnt / annual_inc, winsorized at the 99.9th percentile (see Domain-Specific Features above)." | |
| }, | |
| "mo_sin_old_rev_tl_op": { | |
| "dtype": "Numeric", | |
| "default": 164.0, | |
| "min": 2.0, | |
| "max": 852.0, | |
| "description": "Months since oldest revolving account opened" | |
| }, | |
| "installment_to_income": { | |
| "dtype": "Numeric", | |
| "default": 0.0722, | |
| "min": 6.912e-05, | |
| "max": 0.395572729894748, | |
| "description": "(installment * 12) / annual_inc, winsorized at the 99.9th percentile (see Domain-Specific Features above)." | |
| }, | |
| "total_bc_limit": { | |
| "dtype": "Numeric", | |
| "default": 15100.0, | |
| "min": 0.0, | |
| "max": 1105500.0, | |
| "description": "Total bankcard high credit/credit limit" | |
| }, | |
| "loan_amnt": { | |
| "dtype": "Numeric", | |
| "default": 12000.0, | |
| "min": 500.0, | |
| "max": 40000.0, | |
| "description": "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." | |
| }, | |
| "emp_length_missing": { | |
| "dtype": "Numeric", | |
| "default": 0.0, | |
| "min": 0.0, | |
| "max": 1.0, | |
| "description": "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. )" | |
| }, | |
| "mort_acc": { | |
| "dtype": "Numeric", | |
| "default": 1.0, | |
| "min": 0.0, | |
| "max": 51.0, | |
| "description": "Number of mortgage accounts." | |
| }, | |
| "mths_since_recent_inq": { | |
| "dtype": "Numeric", | |
| "default": 5.0, | |
| "min": 0.0, | |
| "max": 25.0, | |
| "description": "Months since most recent inquiry." | |
| }, | |
| "mths_since_recent_bc": { | |
| "dtype": "Numeric", | |
| "default": 13.0, | |
| "min": 0.0, | |
| "max": 639.0, | |
| "description": "Months since most recent bankcard account opened." | |
| }, | |
| "bc_util": { | |
| "dtype": "Numeric", | |
| "default": 63.2, | |
| "min": 0.0, | |
| "max": 339.6, | |
| "description": "Ratio of total current balance to high credit/credit limit for all bankcard accounts." | |
| }, | |
| "percent_bc_gt_75": { | |
| "dtype": "Numeric", | |
| "default": 42.9, | |
| "min": 0.0, | |
| "max": 100.0, | |
| "description": "Percentage of all bankcard accounts > 75% of limit." | |
| }, | |
| "num_actv_rev_tl": { | |
| "dtype": "Numeric", | |
| "default": 5.0, | |
| "min": 0.0, | |
| "max": 63.0, | |
| "description": "Number of currently active revolving trades" | |
| }, | |
| "all_util_missing": { | |
| "dtype": "Numeric", | |
| "default": 1.0, | |
| "min": 0.0, | |
| "max": 1.0, | |
| "description": "Missing-value indicator flag: 1 if `all_util` was missing before imputation, 0 otherwise. (Balance to credit limit on all trades)" | |
| }, | |
| "total_il_high_credit_limit": { | |
| "dtype": "Numeric", | |
| "default": 31697.0, | |
| "min": 0.0, | |
| "max": 2101913.0, | |
| "description": "Total installment high credit/credit limit" | |
| }, | |
| "total_cu_tl_missing": { | |
| "dtype": "Numeric", | |
| "default": 1.0, | |
| "min": 0.0, | |
| "max": 1.0, | |
| "description": "Missing-value indicator flag: 1 if `total_cu_tl` was missing before imputation, 0 otherwise. (Number of finance trades)" | |
| }, | |
| "credit_history_months": { | |
| "dtype": "Numeric", | |
| "default": 177.0, | |
| "min": 36.0, | |
| "max": 852.0, | |
| "description": "Months between the borrower's earliest reported credit line and this loan's issue date." | |
| }, | |
| "annual_inc": { | |
| "dtype": "Numeric", | |
| "default": 65000.0, | |
| "min": 0.0, | |
| "max": 9522972.0, | |
| "description": "The self-reported annual income provided by the borrower during registration." | |
| }, | |
| "revol_util": { | |
| "dtype": "Numeric", | |
| "default": 52.2, | |
| "min": 0.0, | |
| "max": 366.6, | |
| "description": "Revolving line utilization rate, or the amount of credit the borrower is using relative to all available revolving credit." | |
| }, | |
| "tot_hi_cred_lim": { | |
| "dtype": "Numeric", | |
| "default": 112484.0, | |
| "min": 0.0, | |
| "max": 9999999.0, | |
| "description": "Total high credit/credit limit" | |
| }, | |
| "avg_cur_bal": { | |
| "dtype": "Numeric", | |
| "default": 7411.0, | |
| "min": 0.0, | |
| "max": 958084.0, | |
| "description": "Average current balance of all accounts" | |
| }, | |
| "total_rev_hi_lim": { | |
| "dtype": "Numeric", | |
| "default": 24100.0, | |
| "min": 0.0, | |
| "max": 9999999.0, | |
| "description": "Total revolving high credit/credit limit" | |
| }, | |
| "num_il_tl": { | |
| "dtype": "Numeric", | |
| "default": 7.0, | |
| "min": 0.0, | |
| "max": 159.0, | |
| "description": "Number of installment accounts" | |
| }, | |
| "total_acc": { | |
| "dtype": "Numeric", | |
| "default": 23.0, | |
| "min": 2.0, | |
| "max": 176.0, | |
| "description": "The total number of credit lines currently in the borrower's credit file" | |
| }, | |
| "revol_bal": { | |
| "dtype": "Numeric", | |
| "default": 11140.0, | |
| "min": 0.0, | |
| "max": 2904836.0, | |
| "description": "Total credit revolving balance" | |
| }, | |
| "mths_since_last_delinq": { | |
| "dtype": "Numeric", | |
| "default": 31.0, | |
| "min": 0.0, | |
| "max": 202.0, | |
| "description": "The number of months since the borrower's last delinquency." | |
| }, | |
| "pct_tl_nvr_dlq": { | |
| "dtype": "Numeric", | |
| "default": 98.0, | |
| "min": 0.0, | |
| "max": 100.0, | |
| "description": "Percent of trades never delinquent" | |
| }, | |
| "mo_sin_rcnt_rev_tl_op": { | |
| "dtype": "Numeric", | |
| "default": 8.0, | |
| "min": 0.0, | |
| "max": 438.0, | |
| "description": "Months since most recent revolving account opened" | |
| }, | |
| "mo_sin_rcnt_tl": { | |
| "dtype": "Numeric", | |
| "default": 5.0, | |
| "min": 0.0, | |
| "max": 314.0, | |
| "description": "Months since most recent account opened" | |
| }, | |
| "inq_last_6mths": { | |
| "dtype": "Numeric", | |
| "default": 0.0, | |
| "min": 0.0, | |
| "max": 8.0, | |
| "description": "The number of inquiries in past 6 months (excluding auto and mortgage inquiries)" | |
| }, | |
| "num_tl_op_past_12m": { | |
| "dtype": "Numeric", | |
| "default": 2.0, | |
| "min": 0.0, | |
| "max": 30.0, | |
| "description": "Number of accounts opened in past 12 months" | |
| }, | |
| "num_rev_tl_bal_gt_0": { | |
| "dtype": "Numeric", | |
| "default": 5.0, | |
| "min": 0.0, | |
| "max": 45.0, | |
| "description": "Number of revolving trades with balance >0" | |
| }, | |
| "num_rev_accts": { | |
| "dtype": "Numeric", | |
| "default": 13.0, | |
| "min": 0.0, | |
| "max": 128.0, | |
| "description": "Number of revolving accounts" | |
| }, | |
| "emp_length_years": { | |
| "dtype": "Numeric", | |
| "default": 7.0, | |
| "min": 0.0, | |
| "max": 10.0, | |
| "description": "Employment length converted from text (e.g. \"10+ years\") to a plain ordinal number (0-10)." | |
| }, | |
| "bc_open_to_buy": { | |
| "dtype": "Numeric", | |
| "default": 4700.0, | |
| "min": 0.0, | |
| "max": 559912.0, | |
| "description": "Total open to buy on revolving bankcards." | |
| }, | |
| "mo_sin_old_il_acct": { | |
| "dtype": "Numeric", | |
| "default": 129.0, | |
| "min": 0.0, | |
| "max": 822.0, | |
| "description": "Months since oldest bank installment account opened" | |
| }, | |
| "num_tl_120dpd_2m_missing": { | |
| "dtype": "Numeric", | |
| "default": 0.0, | |
| "min": 0.0, | |
| "max": 1.0, | |
| "description": "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))" | |
| }, | |
| "installment": { | |
| "dtype": "Numeric", | |
| "default": 375.43, | |
| "min": 4.93, | |
| "max": 1719.83, | |
| "description": "The monthly payment owed by the borrower if the loan originates." | |
| }, | |
| "open_rv_24m": { | |
| "dtype": "Numeric", | |
| "default": 2.0, | |
| "min": 0.0, | |
| "max": 53.0, | |
| "description": "Number of revolving trades opened in past 24 months" | |
| }, | |
| "num_actv_bc_tl": { | |
| "dtype": "Numeric", | |
| "default": 3.0, | |
| "min": 0.0, | |
| "max": 35.0, | |
| "description": "Number of currently active bankcard accounts" | |
| }, | |
| "tot_cur_bal": { | |
| "dtype": "Numeric", | |
| "default": 80341.0, | |
| "min": 0.0, | |
| "max": 8000078.0, | |
| "description": "Total current balance of all accounts" | |
| }, | |
| "addr_state": { | |
| "dtype": "Categorical", | |
| "default": "CA", | |
| "description": "The state provided by the borrower in the loan application" | |
| }, | |
| "home_ownership": { | |
| "dtype": "Categorical", | |
| "default": "MORTGAGE", | |
| "description": "The home ownership status provided by the borrower during registration\u00a0or obtained from the credit report.\u00a0Our values are: RENT, OWN, MORTGAGE, OTHER" | |
| }, | |
| "purpose": { | |
| "dtype": "Categorical", | |
| "default": "debt_consolidation", | |
| "description": "A category provided by the borrower for the loan request. " | |
| }, | |
| "verification_status": { | |
| "dtype": "Categorical", | |
| "default": "Source Verified", | |
| "description": "Indicates if income was verified by LC, not verified, or if the income source was verified" | |
| } | |
| } |