Lending Club [Folio Investing] Note Browsing Definitions

BrowseNotesFile Description
acceptD The date which the borrower accepted  the offer
accNowDelinq The number of accounts on which the borrower is now delinquent.
accOpenPast24Mths Number of trades opened in past 24 months.
addrState The state provided by the borrower in the loan application
all_util Balance to credit limit on all trades
annual_inc_joint The combined self-reported annual income provided by the co-borrowers during registration
annualInc The self-reported annual income provided by the borrower during registration.
application_type Indicates whether the loan is an individual application or a joint application with two co-borrowers
avg_cur_bal Average current balance of all accounts
bcOpenToBuy Total open to buy on revolving bankcards.
bcUtil Ratio of total current balance to high credit/credit limit for all bankcard accounts.
chargeoff_within_12_mths Number of charge-offs within 12 months
collections_12_mths_ex_med Number of collections in 12 months excluding medical collections
creditPullD The date LC pulled credit for this loan
delinq2Yrs The number of 30+ days past-due incidences of delinquency in the borrower’s credit file for the past 2 years
delinqAmnt The past-due amount owed for the accounts on which the borrower is now delinquent.
desc Loan description provided by the borrower
dti A ratio calculated using the borrower’s total monthly debt payments on the total debt obligations, excluding mortgage and the requested LC loan, divided by the borrower’s self-reported monthly income.
dti_joint A ratio calculated using the co-borrowers’ total monthly payments on the total debt obligations, excluding mortgages and the requested LC loan, divided by the co-borrowers’ combined self-reported monthly income
earliestCrLine The date the borrower’s earliest reported credit line was opened
effective_int_rate The effective interest rate is equal to the interest rate on a Note reduced by Lending Club’s estimate of the impact of uncollected interest prior to charge off.
emp_title The job title supplied by the Borrower when applying for the loan.*
empLength 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.
expD The date the listing will expire
expDefaultRate The expected default rate of the loan.
ficoRangeHigh The upper boundary range the borrower’s FICO at loan origination belongs to.
ficoRangeLow The lower boundary range the borrower’s FICO at loan origination belongs to.
fundedAmnt The total amount committed to that loan at that point in time.
grade LC assigned loan grade
homeOwnership The home ownership status provided by the borrower during registration. Our values are: RENT, OWN, MORTGAGE, OTHER.
id A unique LC assigned ID for the loan listing.
il_util Ratio of total current balance to high credit/credit limit on all install acct
ils_exp_d wholeloan platform expiration date
initialListStatus The initial listing status of the loan. Possible values are – W, F
inq_fi Number of personal finance inquiries
inq_last_12m Number of credit inquiries in past 12 months
inqLast6Mths The number of inquiries in past 6 months (excluding auto and mortgage inquiries)
installment The monthly payment owed by the borrower if the loan originates.
intRate Interest Rate on the loan
isIncV Indicates if income was verified by LC, not verified, or if the income source was verified
listD The date which the borrower’s application was listed on the platform.
loanAmnt 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.
max_bal_bc Maximum current balance owed on all revolving accounts
memberId A unique LC assigned Id for the borrower member.
mo_sin_old_rev_tl_op Months since oldest revolving account opened
mo_sin_rcnt_rev_tl_op Months since most recent revolving account opened
mo_sin_rcnt_tl Months since most recent account opened
mortAcc Number of mortgage accounts.
msa Metropolitan Statistical Area of the borrower.
mths_since_last_major_derog Months since most recent 90-day or worse rating
mths_since_oldest_il_open Months since oldest bank installment account opened
mths_since_rcnt_il Months since most recent installment accounts opened
mthsSinceLastDelinq The number of months since the borrower’s last delinquency.
mthsSinceLastRecord The number of months since the last public record.
mthsSinceMostRecentInq Months since most recent inquiry.
mthsSinceRecentBc Months since most recent bankcard account opened.
mthsSinceRecentLoanDelinq Months since most recent personal finance delinquency.
mthsSinceRecentRevolDelinq Months since most recent revolving delinquency.
num_accts_ever_120_pd Number of accounts ever 120 or more days past due
num_actv_bc_tl Number of currently active bankcard accounts
num_actv_rev_tl Number of currently active revolving trades
num_bc_sats Number of satisfactory bankcard accounts
num_bc_tl Number of bankcard accounts
num_il_tl Number of installment accounts
num_op_rev_tl Number of open revolving accounts
num_rev_accts Number of revolving accounts
num_rev_tl_bal_gt_0 Number of revolving trades with balance >0
num_sats Number of satisfactory accounts
num_tl_120dpd_2m Number of accounts currently 120 days past due (updated in past 2 months)
num_tl_30dpd Number of accounts currently 30 days past due (updated in past 2 months)
num_tl_90g_dpd_24m Number of accounts 90 or more days past due in last 24 months
num_tl_op_past_12m Number of accounts opened in past 12 months
open_acc_6m Number of open trades in last 6 months
open_il_12m Number of installment accounts opened in past 12 months
open_il_24m Number of installment accounts opened in past 24 months
open_il_6m Number of currently active installment trades
open_rv_12m Number of revolving trades opened in past 12 months
open_rv_24m Number of revolving trades opened in past 24 months
openAcc The number of open credit lines in the borrower’s credit file.
pct_tl_nvr_dlq Percent of trades never delinquent
percentBcGt75 Percentage of all bankcard accounts > 75% of limit.
pub_rec_bankruptcies Number of public record bankruptcies
pubRec Number of derogatory public records
purpose A category provided by the borrower for the loan request.
reviewStatus The status of the loan during the listing period. Values: APPROVED, NOT_APPROVED.
reviewStatusD The date the loan application was reviewed by LC
revolBal Total credit revolving balance
revolUtil Revolving line utilization rate, or the amount of credit the borrower is using relative to all available revolving credit.
serviceFeeRate Service fee rate paid by the investor for this loan.
subGrade LC assigned loan subgrade
tax_liens Number of tax liens
term The number of payments on the loan. Values are in months and can be either 36 or 60.
title The loan title provided by the borrower
tot_coll_amt Total collection amounts ever owed
tot_cur_bal Total current balance of all accounts
tot_hi_cred_lim Total high credit/credit limit
total_bal_il Total current balance of all installment accounts
total_cu_tl Number of finance trades
total_il_high_credit_limit Total installment high credit/credit limit
total_rev_hi_lim Total revolving high credit/credit limit
totalAcc The total number of credit lines currently in the borrower’s credit file
totalBalExMort Total credit balance excluding mortgage
totalBcLimit Total bankcard high credit/credit limit
url URL for the LC page with listing data.
verified_status_joint Indicates if the co-borrowers’ joint income was verified by LC, not verified, or if the income source was verified
zip_code The first 3 numbers of the zip code provided by the borrower in the loan application.
* Employer Title replaces Employer Name for all loans listed after 9/23/2013

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