| Variable Variable declaration | Definition | Category | |
| Socio-economic | |||
| annual_inc | Annual income | The annual income provided by the borrower during registration. | Numeric |
| verification_status | Verification status | Indicates if income was verified by LendingClub, not verified, or if the income source was verified. | Categorical |
| emp_length | Employment length | A ratio calculated using the borrower’s total monthly debt payments on the total debt obligations, excluding mortgage and the requested LendingClub loan, divided by the borrower’s self-reported monthly income. | Numeric |
| home_ownership | Home ownership | The length of time in years that borrowers have been working for their current company. Possible values are between 0 and 10 where 0 means less than one year and 10 means ten or more years. | Categorical |
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| The home ownership status provided by the borrower during registration or obtained from the credit report. Possible values are: Rent, Own, Mortgage, and Others. | Categorical |
| Loan Characteristics | |||
| purpose | Loan purpose | A category provided by the borrower for the loan request. 14 possible loan purposes: credit card, car, educational, debt consolidation, house, home improvement, major purchase, moving, medical, small business, renewable energy, vacation, wedding and others. | Categorical |
| loan_amnt | Loan amount | The listed amount of the loan applied for by the borrower. | Numeric |
| initial_list_sta | Initial list status | The initial listing status of the loan. Possible values are: “W” for Whole, “F” for Fractional. | Categorical |
| Credit History | |||
| open_acc | Open accounts | The number of open credit lines in the borrower’s credit file. | Numeric |
| total_acc | Total accounts | The total number of credit lines currently in the borrower’s credit file | Numeric |
| delinq_2 yrs | Delinquency 2 years | The number of 30+ days past-due incidences of delinquency in the borrower’s credit file for the past 2 years | Numeric |
| inq_last_6mths | Inquiries last 6 months | Number of credit inquiries in the past 6 months. | Numeric |
| revol_util | Revolving utilization | Revolving line utilization rate, or the amount of credit the borrower is using relative to all available revolving credit. | Numeric |
| revol_bal | Revolving balance | Total credit revolving balance. | Numeric |
| pub_rec | Public records | Number of derogatory public records. | Numeric |
| chargeoff_within_12_mths | Charged-off within 12 months | Number of charge-offs within 12 months | Numeric |
| recoveries | Recoveries | Post charge off gross recovery | Numeric |
| collections_12_mths_ex_med | Collections within 12 months | Number of collections in 12 months excluding medical collections | Numeric |