Name: Credit Scoring | Lending Club Loan Data Cleared
Creator: Kaggle
License: http://opendatacommons.org/licenses/dbcl/1.0/

About this Dataset

Credit Scoring | Lending Club Loan Data Cleared

Important links:

Original dataset
https://www.kaggle.com/datasets/adarshsng/lending-club-loan-data-csv
The Kaggle kernel that was used to prepare the dataset
https://www.kaggle.com/code/db0boy/lending-club-loan-data-cleared-preparation

Only individual credit applications were retained, and all features that consisted entirely of missing values were deleted, further selecting the most important features based on EDA and IV score. In features containing a small number of missing values, the decision was made to delete rows with missing values. Features with a large number of missing values that had a low IV when considering missing values as a separate category were also deleted, as filling in nulls or deleting rows would result in a significant loss of information

Tables

X

@kaggle.db0boy_lending_club_loan_data_cleared.x

119.42 MB
2,139,643 rows
45 columns

CREATE TABLE x (
  "funded_amnt" BIGINT,
  "interest_rate" DOUBLE,
  "monthly_payment" DOUBLE,
  "grade" VARCHAR,
  "emp_title" VARCHAR,
  "emp_length" VARCHAR,
  "home_ownership_status" VARCHAR,
  "annual_income" DOUBLE,
  "verification_status" VARCHAR,
  "loan_purpose" VARCHAR,
  "addr_state" VARCHAR,
  "dept_paym_income_ratio" DOUBLE,
  "num_30_delinq_in_2yrs" BIGINT  -- Num 30+ Delinq In 2yrs,
  "num_inq_in_6mths" BIGINT,
  "mths_since_last_delinq" DOUBLE,
  "num_open_credit_lines" BIGINT,
  "num_derogatory_pub_rec" BIGINT,
  "total_credit_revolving_bal" BIGINT,
  "used_credit_share" DOUBLE,
  "tot_num_credit_lines" BIGINT,
  "initial_list_status" VARCHAR,
  "remaining_princ_for_tot_amnt_fund" DOUBLE,
  "paym_rec_for_tot_amnt_fund" DOUBLE,
  "princ_rec" DOUBLE,
  "interest_rec" DOUBLE,
  "late_fees_rec" DOUBLE,
  "num_open_trades_in_6mths" DOUBLE,
  "num_installment_acc_op_in_12mths" DOUBLE,
  "num_installment_acc_op_in_24mths" DOUBLE,
  "mths_since_last_installment_acc_op" DOUBLE,
  "num_rev_trades_op_in_12mths" DOUBLE,
  "num_rev_trades_op_in_24mths" DOUBLE,
  "max_bal_owed" DOUBLE,
  "bal_to_cred_lim" DOUBLE,
  "num_inq" DOUBLE,
  "num_inq_in_12mths" BIGINT,
  "mths_since_recent_bankcard_delinq" DOUBLE,
  "mths_since_recent_revol_delinq" DOUBLE,
  "disbursement_method" VARCHAR,
  "loan_term_months" BIGINT,
  "issue_date_month" VARCHAR,
  "issue_date_year" BIGINT,
  "region_code" BIGINT,
  "earliest_cr_line_month" VARCHAR,
  "earliest_cr_line_year" BIGINT
);