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Browse Notes File
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Loan attribute
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Description
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id
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A unique LC assigned ID for the loan listing.
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memberId
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A unique LC assigned Id for the borrower member.
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loanAmnt
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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.
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fundedAmnt
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The total amount funded by investors for that loan at that point in time.
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term
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The number of payments on the loan. Values are in months and can be either 36 or 60.
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apr
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The APR to be paid by the borrower
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intRate
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Interest Rate on the loan
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expDefaultRate
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The expected default rate of the loan.
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serviceFeeRate
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Service fee rate paid by the investor for this loan.
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installment
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The monthly payment owed by the borrower if the loan originates.
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grade
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LC assigned loan grade
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subGrade
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LC assigned loan subgrade
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empName
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Name of the company borrower is currently employed with.
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empLength
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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.
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empStatus
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The employment status provided by the borrower during registration. Values: EMPLOYED, SELF_EMPLOYED, PART_TIME, OTHER.
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homeOwnership
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The home ownership status provided by the borrower during registration. Our values are: RENT, OWN, MORTGAGE, OTHER.
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annualInc
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The annual income provided by the borrower during registration.
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isIncV
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Indicates if income is verified by LC
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acceptD
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The date which the borrower accepted the offer
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expD
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The date the listing will expire
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listD
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The date which the borrower's application was listed on the platform.
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creditPullD
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The date LC pulled credit for this loan
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reviewStatusD
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The date the loan application was reviewed by LC
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reviewStatus
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The status of the loan during the listing period. Values: APPROVED, NOT_APPROVED.
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url
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URL for the LC page with listing data.
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desc
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Loan description provided by the borrower
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purpose
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A category provided by the borrower for the loan request. Values are: DEBT_CONSOLIDATION, MEDICAL, HOME_IMPROVEMENT, RENEWABLE_ENERGY, SMALL_BUSINESS, WEDDING, VACATION, MOVING, HOUSE, CAR, MAJOR_PURCHASE, OTHER
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title
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The loan title provided by the borrower
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addrCity
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The address city provided by the borrower during loan application.
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addrState
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The address state provided by the borrower during loan application
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msa
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Metropolitan Statistical Area of the borrower.
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accNowDelinq
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The number of accounts on which the borrower is now delinquent.
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accOpenPast24Mths
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Number of trades opened in past 24 months.
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bcOpenToBuy
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Total open to buy on revolving bankcards.
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percentBcGt75
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Percentage of all bankcard accounts > 75% of limit.
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bcUtil
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Ratio of total current balance to high credit/credit limit for all bankcard accounts.
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Dti
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The borrower's debt to income ratio, calculated using the monthly payments on the total debt obligations, excluding mortgage, divided by self-reported monthly income.
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delinq2Yrs
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The number of 30+ days past-due incidences of delinquency in the borrower's credit file for the past 2 years
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delinqAmnt
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The past-due amount owed for the accounts on which the borrower is now delinquent.
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earliestCrLine
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The date the borrower's earliest reported credit line was opened
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ficoRangeLow
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The lower boundary of range the borrower’s FICO belongs to.
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ficoRangeHigh
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The upper boundary of range the borrower’s FICO belongs to.
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inqLast6Mths
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The number of inquiries by creditors during the past 6 months.
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mthsSinceLastDelinq
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The number of months since the borrower's last delinquency.
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mthsSinceLastRecord
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The number of months since the last public record.
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mthsSinceMostRecentInq
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Months since most recent inquiry.
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mthsSinceRecentLoanDelinq
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Months since most recent personal finance delinquency.
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mthsSinceRecentRevolDelinq
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Months since most recent revolving delinquency.
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mthsSinceRecentBc
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Months since most recent bankcard account opened.
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mortAcc
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Number of mortgage accounts.
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openAcc
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The number of open credit lines in the borrower's credit file.
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publicRecGt100
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Number of public record and account line derogatory items greater than $100.
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pubRec
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Number of derogatory public records
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totalBalExMort
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Total credit balance excluding mortgage
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revolBal
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Total credit revolving balance
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revolUtil
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Revolving line utilization rate, or the amount of credit the borrower is using relative to all available revolving credit.
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totalBcLimit
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Total bankcard high credit/credit limit
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totalAcc
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The total number of credit lines currently in the borrower's credit file
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total_il_high_credit_limit
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Total installment high credit/credit limit
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mths_since_oldest_il_open
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Months since oldest bank installment account opened
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num_rev_accts
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Number of revolving accounts
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mths_since_recent_bc_dlq
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Months since most recent bankcard delinquency
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initialListStatus
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The initial listing status of the loan. Possible values are – W, F
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pub_rec_bankruptcies
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Number of public record bankruptcies
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num_accts_ever_120_pd
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Number of accounts ever 120 or more days past due
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chargeoff_within_12_mths
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Number of charge-offs within 12 months
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collections_12_mths_ex_med
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Number of collections in 12 months excluding medical collections
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tax_liens
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Number of tax liens
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mths_since_last_major_derog
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Months since most recent 90-day or worse rating
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num_sats
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Number of satisfactory accounts
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num_tl_op_past_12m
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Number of accounts opened in past 12 months
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mo_sin_rcnt_tl
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Months since most recent account opened
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tot_hi_cred_lim
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Total high credit/credit limit
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tot_cur_bal
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Total current balance of all accounts
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avg_cur_bal
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Average current balance of all accounts
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num_bc_tl
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Number of bankcard accounts
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num_actv_bc_tl
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Number of currently active bankcard accounts
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num_bc_sats
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Number of satisfactory bankcard accounts
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pct_tl_nvr_dlq
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Percent of trades never delinquent
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num_tl_90g_dpd_24m
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Number of accounts 90 or more days past due in last 24 months
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num_tl_30dpd
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Number of accounts currently 30 days past due (updated in past 2 months)
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num_tl_120dpd_2m
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Number of accounts currently 120 days past due (updated in past 2 months)
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num_il_tl
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Number of installment accounts
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mo_sin_old_il_acct
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Months since oldest installment account opened
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num_actv_rev_tl
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Number of currently active revolving trades
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mo_sin_old_rev_tl_op
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Months since oldest revolving account opened
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mo_sin_rcnt_rev_tl_op
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Months since most recent revolving account opened
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total_rev_hi_lim
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Total revolving high credit/credit limit
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num_rev_tl_bal_gt_0
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Number of revolving trades with balance >0
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num_op_rev_tl
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Number of open revolving accounts
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tot_coll_amt
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Total collection amounts ever owed
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