R/data-loans_full_schema.R

In OpenIntroStat/openintro-r-package: Data Sets and Supplemental Functions from 'OpenIntro' Textbooks and Labs

#' Loan data from Lending Club
#'
#' This data set represents thousands of loans made through the Lending Club
#' platform, which is a platform that allows individuals to lend to other
#' individuals. Of course, not all loans are created equal. Someone who is a
#' essentially a sure bet to pay back a loan will have an easier time getting a
#' loan with a low interest rate than someone who appears to be riskier. And
#' for people who are very risky? They may not even get a loan offer, or they
#' may not have accepted the loan offer due to a high interest rate. It is
#' important to keep that last part in mind, since this data set only
#' represents loans actually made, i.e. do not mistake this data for loan
#' applications!
#'
#'
#' @name loans_full_schema
#' @aliases loans_full_schema loan50
#' @docType data
#' @format A data frame with 10,000 observations on the following 55 variables.
#' \describe{
#'   \item{emp_title}{Job title.}
#'   \item{emp_length}{Number of years in the job, rounded down.
#'       If longer than 10 years, then this is represented by the value
#'       \code{10}.}
#'   \item{state}{Two-letter state code.}
#'   \item{homeownership}{The ownership status of the
#'       applicant's residence.}
#'   \item{annual_income}{Annual income.}
#'   \item{verified_income}{Type of verification
#'       of the applicant's income.}
#'   \item{debt_to_income}{Debt-to-income ratio.}
#'   \item{annual_income_joint}{If this is a joint application,
#'       then the annual income of the two parties applying.}
#'   \item{verification_income_joint}{Type of verification of
#'       the joint income.}
#'   \item{debt_to_income_joint}{Debt-to-income ratio for the
#'       two parties.}
#'   \item{delinq_2y}{Delinquencies on lines of credit in the
#'       last 2 years.}
#'   \item{months_since_last_delinq}{Months since the last
#'       delinquency.}
#'   \item{earliest_credit_line}{Year of the applicant's
#'       earliest line of credit}
#'   \item{inquiries_last_12m}{Inquiries into the applicant's
#'       credit during the last 12 months.}
#'   \item{total_credit_lines}{Total number of credit lines
#'       in this applicant's credit history.}
#'   \item{open_credit_lines}{Number of currently open lines
#'       of credit.}
#'   \item{total_credit_limit}{Total available credit, e.g.
#'       if only credit cards, then the total of all the credit limits.
#'       This excludes a mortgage.}
#'   \item{total_credit_utilized}{Total credit balance,
#'       excluding a mortgage.}
#'   \item{num_collections_last_12m}{Number of collections
#'       in the last 12 months. This excludes medical collections.}
#'   \item{num_historical_failed_to_pay}{The number of
#'       derogatory public records, which roughly means the
#'       number of times the applicant failed to pay.}
#'   \item{months_since_90d_late}{Months since the last time
#'       the applicant was 90 days late on a payment.}
#'   \item{current_accounts_delinq}{Number of accounts where
#'       the applicant is currently delinquent.}
#'   \item{total_collection_amount_ever}{The total amount
#'       that the applicant has had against them in collections.}
#'   \item{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.}
#'   \item{accounts_opened_24m}{Number of new lines of credit
#'       opened in the last 24 months.}
#'   \item{months_since_last_credit_inquiry}{Number of months
#'       since the last credit inquiry on this applicant.}
#'   \item{num_satisfactory_accounts}{Number of satisfactory
#'       accounts.}
#'   \item{num_accounts_120d_past_due}{Number of current
#'       accounts that are 120 days past due.}
#'   \item{num_accounts_30d_past_due}{Number of current
#'       accounts that are 30 days past due.}
#'   \item{num_active_debit_accounts}{Number of currently
#'       active bank cards.}
#'   \item{total_debit_limit}{Total of all bank card limits.}
#'   \item{num_total_cc_accounts}{Total number of credit card
#'       accounts in the applicant's history.}
#'   \item{num_open_cc_accounts}{Total number of currently
#'       open credit card accounts.}
#'   \item{num_cc_carrying_balance}{Number of credit cards
#'       that are carrying a balance.}
#'   \item{num_mort_accounts}{Number of mortgage accounts.}
#'   \item{account_never_delinq_percent}{Percent of all lines
#'       of credit where the applicant was never delinquent.}
#'   \item{tax_liens}{a numeric vector}
#'   \item{public_record_bankrupt}{Number of bankruptcies
#'       listed in the public record for this applicant.}
#'   \item{loan_purpose}{The category for the purpose
#'       of the loan.}
#'   \item{application_type}{The type of application: either
#'       \code{individual} or \code{joint}.}
#'   \item{loan_amount}{The amount of the loan the
#'       applicant received.}
#'   \item{term}{The number of months of the loan
#'       the applicant received.}
#'   \item{interest_rate}{Interest rate of the loan
#'       the applicant received.}
#'   \item{installment}{Monthly payment for the loan the
#'   applicant received.}
#'   \item{grade}{Grade associated with the loan.}
#'   \item{sub_grade}{Detailed grade associated with the loan.}
#'   \item{issue_month}{Month the loan was issued.}
#'   \item{loan_status}{Status of the loan.}
#'   \item{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.)}
#'   \item{disbursement_method}{Dispersement method of the loan.}
#'   \item{balance}{Current balance on the loan.}
#'   \item{paid_total}{Total that has been paid on the loan by the
#'   applicant.}
#'   \item{paid_principal}{The difference between the original loan
#'   amount and the current balance on the loan.}
#'   \item{paid_interest}{The amount of interest paid so far by the
#'   applicant.}
#'   \item{paid_late_fees}{Late fees paid by the applicant.}
#' }
#' @source This data comes from Lending Club
#' (\url{https://www.lendingclub.com/info/statistics.action}), which
#' provides a very large, open set of data on the people who received loans
#' through their platform.
#' @keywords datasets
#' @examples
#'
#' loans_full_schema
"loans_full_schema"