The variables below are available in the loans_full_schema data set, and only a subset of these are available in the loan50 data set.
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emp_title - Job title.
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emp_length - Number of years in the job, rounded down. If longer than 10 years, then this is represented by the value 10.
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state - Two-letter state code.
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home_ownership - The ownership status of the applicant's residence.
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annual_income - Annual income.
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verified_income - Type of verification of the applicant's income.
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debt_to_income - Debt-to-income ratio.
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annual_income_joint - If this is a joint application, then the annual income of the two parties applying.
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verification_income_joint - Type of verification of the joint income.
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debt_to_income_joint - Debt-to-income ratio for the two parties.
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delinq_2y - Delinquencies on lines of credit in the last 2 years.
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months_since_last_delinq - Months since the last delinquency.
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earliest_credit_line - Year of the applicant's earliest line of credit
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inquiries_last_12m - Inquiries into the applicant's credit during the last 12 months.
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total_credit_lines - Total number of credit lines in this applicant's credit history.
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open_credit_lines - Number of currently open lines of credit.
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total_credit_limit - Total available credit, e.g. if only credit cards, then the total of all the credit limits. This excludes a mortgage.
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total_credit_utilized - Total credit balance, excluding a mortgage.
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num_collections_last_12m - Number of collections in the last 12 months. This excludes medical collections.
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num_historical_failed_to_pay - The number of derogatory public records, which roughly means the number of times the applicant failed to pay.
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months_since_90d_late - Months since the last time the applicant was 90 days late on a payment.
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current_accounts_delinq - Number of accounts where the applicant is currently delinquent.
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total_collection_amount_ever - The total amount that the applicant has had against them in collections.
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current_installment_accounts - Number of installment accounts, which are (roughly) accounts with a fixed payment amount and period. A typical example might be a 36-month car loan.
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accounts_opened_24m - Number of new lines of credit opened in the last 24 months.
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months_since_last_credit_inquiry - Number of months since the last credit inquiry on this applicant.
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num_satisfactory_accounts - Number of satisfactory accounts.
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num_accounts_120d_past_due - Number of current accounts that are 120 days past due.
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num_accounts_30d_past_due - Number of current accounts that are 30 days past due.
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num_active_debit_accounts - Number of currently active bank cards.
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total_debit_limit - Total of all bank card limits.
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num_total_cc_accounts - Total number of credit card accounts in the applicant's history.
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num_open_cc_accounts - Total number of currently open credit card accounts.
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num_cc_carrying_balance - Number of credit cards that are carrying a balance.
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num_mort_accounts - Number of mortgage accounts.
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account_never_delinq_percent - Percent of all lines of credit where the applicant was never delinquent.
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tax_liens - a numeric vector
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public_record_bankrupt - Number of bankruptcies listed in the public record for this applicant.
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loan_purpose - The category for the purpose of the loan.
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application_type - The type of application: either individual or joint.
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loan_amount - The amount of the loan the applicant received.
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term - The number of months of the loan the applicant received.
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interest_rate - Interest rate of the loan the applicant received.
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installment - Monthly payment for the loan the applicant received.
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grade - Grade associated with the loan.
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sub_grade - Detailed grade associated with the loan.
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issue_month - Month the loan was issued.
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loan_status - Status of the loan.
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initial_listing_status - Initial listing status of the loan. (I think this has to do with whether the lender provided the entire loan or if the loan is across multiple lenders.)
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disbursement_method - Dispersement method of the loan.
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balance - Current balance on the loan.
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paid_total - Total that has been paid on the loan by the applicant.
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paid_principal - The difference between the original loan amount and the current balance on the loan.
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paid_interest - The amount of interest paid so far by the applicant.
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paid_late_fees - Late fees paid by the applicant.
