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Loan - Credit Risk & Population Stability

Loan default | Credit Risk Modeling | Population Stability Index

@kaggle.beatafaron_loan_credit_risk_and_population_stability

About this Dataset

Loan - Credit Risk & Population Stability

Loan - Credit Risk & Population Stability is a part of Lending Club Company public database.
LendingClub is a US peer-to-peer lending company, headquartered in San Francisco, California. It was the first peer-to-peer lender to register its offerings as securities with the Securities and Exchange Commission (SEC), and to offer loan trading on a secondary market. LendingClub is the world's largest peer-to-peer lending platform.

The data was divided into two parts.

The first data (loan_2014-2018.csv) contains almoust 1800 000 consumer loans issued from 2014 to 2018.
The second one (loan_2019-2020.csv) is specially separated to check if model have similar characteristics and is still up to date.

This data is a part of Complete Credit Risk Modeling Project.
The project is divided on 3 parts:

  1. https://www.kaggle.com/code/beatafaron/complete-credit-risk-modeling-1-eda
    Preparing & Training models

Tables

Df 2014–18 Selected

@kaggle.beatafaron_loan_credit_risk_and_population_stability.df_2014_18_selected
  • 45.17 MB
  • 2029952 rows
  • 13 columns
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CREATE TABLE df_2014_18_selected (
  "total_rec_late_fee" DOUBLE,
  "recoveries" DOUBLE,
  "last_pymnt_amnt" DOUBLE,
  "loan_amnt_div_instlmnt" DOUBLE,
  "debt_settlement_flag" DOUBLE,
  "loan_age" DOUBLE,
  "total_rec_int" DOUBLE,
  "out_prncp" DOUBLE,
  "time_since_last_credit_pull" DOUBLE,
  "time_since_last_payment" DOUBLE,
  "int_rate" DOUBLE,
  "total_rec_prncp" DOUBLE,
  "loan_status_binary" BIGINT
);

Loan 2019–20

@kaggle.beatafaron_loan_credit_risk_and_population_stability.loan_2019_20
  • 115.05 MB
  • 664824 rows
  • 142 columns
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CREATE TABLE loan_2019_20 (
  "unnamed_0" BIGINT,
  "id" BIGINT,
  "loan_amnt" DOUBLE,
  "funded_amnt" DOUBLE,
  "funded_amnt_inv" DOUBLE,
  "term" VARCHAR,
  "int_rate" VARCHAR,
  "installment" DOUBLE,
  "grade" VARCHAR,
  "sub_grade" VARCHAR,
  "emp_title" VARCHAR,
  "emp_length" VARCHAR,
  "home_ownership" VARCHAR,
  "annual_inc" DOUBLE,
  "verification_status" VARCHAR,
  "issue_d" TIMESTAMP,
  "loan_status" VARCHAR,
  "pymnt_plan" VARCHAR,
  "url" VARCHAR,
  "purpose" VARCHAR,
  "title" VARCHAR,
  "zip_code" VARCHAR,
  "addr_state" VARCHAR,
  "dti" DOUBLE,
  "delinq_2yrs" DOUBLE,
  "earliest_cr_line" VARCHAR,
  "fico_range_low" DOUBLE,
  "fico_range_high" DOUBLE,
  "inq_last_6mths" DOUBLE,
  "mths_since_last_delinq" DOUBLE,
  "mths_since_last_record" DOUBLE,
  "open_acc" DOUBLE,
  "pub_rec" DOUBLE,
  "revol_bal" DOUBLE,
  "revol_util" VARCHAR,
  "total_acc" DOUBLE,
  "initial_list_status" VARCHAR,
  "out_prncp" DOUBLE,
  "out_prncp_inv" DOUBLE,
  "total_pymnt" DOUBLE,
  "total_pymnt_inv" DOUBLE,
  "total_rec_prncp" DOUBLE,
  "total_rec_int" DOUBLE,
  "total_rec_late_fee" DOUBLE,
  "recoveries" DOUBLE,
  "collection_recovery_fee" DOUBLE,
  "last_pymnt_d" VARCHAR,
  "last_pymnt_amnt" DOUBLE,
  "next_pymnt_d" VARCHAR,
  "last_credit_pull_d" VARCHAR,
  "last_fico_range_high" DOUBLE,
  "last_fico_range_low" DOUBLE,
  "collections_12_mths_ex_med" DOUBLE,
  "mths_since_last_major_derog" DOUBLE,
  "policy_code" DOUBLE,
  "application_type" VARCHAR,
  "annual_inc_joint" DOUBLE,
  "dti_joint" DOUBLE,
  "verification_status_joint" VARCHAR,
  "acc_now_delinq" DOUBLE,
  "tot_coll_amt" DOUBLE,
  "tot_cur_bal" DOUBLE,
  "open_acc_6m" DOUBLE,
  "open_act_il" DOUBLE,
  "open_il_12m" DOUBLE,
  "open_il_24m" DOUBLE,
  "mths_since_rcnt_il" DOUBLE,
  "total_bal_il" DOUBLE,
  "il_util" DOUBLE,
  "open_rv_12m" DOUBLE,
  "open_rv_24m" DOUBLE,
  "max_bal_bc" DOUBLE,
  "all_util" DOUBLE,
  "total_rev_hi_lim" DOUBLE,
  "inq_fi" DOUBLE,
  "total_cu_tl" DOUBLE,
  "inq_last_12m" DOUBLE,
  "acc_open_past_24mths" DOUBLE,
  "avg_cur_bal" DOUBLE,
  "bc_open_to_buy" DOUBLE,
  "bc_util" DOUBLE,
  "chargeoff_within_12_mths" DOUBLE,
  "delinq_amnt" DOUBLE,
  "mo_sin_old_il_acct" DOUBLE,
  "mo_sin_old_rev_tl_op" DOUBLE,
  "mo_sin_rcnt_rev_tl_op" DOUBLE,
  "mo_sin_rcnt_tl" DOUBLE,
  "mort_acc" DOUBLE,
  "mths_since_recent_bc" DOUBLE,
  "mths_since_recent_bc_dlq" DOUBLE,
  "mths_since_recent_inq" DOUBLE,
  "mths_since_recent_revol_delinq" DOUBLE,
  "num_accts_ever_120_pd" DOUBLE,
  "num_actv_bc_tl" DOUBLE,
  "num_actv_rev_tl" DOUBLE,
  "num_bc_sats" DOUBLE,
  "num_bc_tl" DOUBLE,
  "num_il_tl" DOUBLE,
  "num_op_rev_tl" DOUBLE,
  "num_rev_accts" DOUBLE
);

Dictionary Selected

@kaggle.beatafaron_loan_credit_risk_and_population_stability.dictionary_selected
  • 2.78 KB
  • 12 rows
  • 2 columns
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CREATE TABLE dictionary_selected (
  "feature" VARCHAR,
  "description" VARCHAR
);