Lending Club [Folio Investing] Note Rejection Definitions

RejectStats File Description
Amount Requested The total amount requested by the borrower
Application Date The date which the borrower applied
Loan Title The loan title provided by the borrower
Risk_Score For applications prior to November 5, 2013 the risk score is the borrower’s FICO score. For applications after November 5, 2013 the risk score is the borrower’s Vantage score.
Debt-To-Income Ratio 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.
Zip Code The first 3 numbers of the zip code provided by the borrower in the loan application.
State The state provided by the borrower in the loan application
Employment Length 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.
Policy Code publicly available policy_code=1
new products not publicly available policy_code=2

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