-
Notifications
You must be signed in to change notification settings - Fork 0
/
analysis_notes.txt
85 lines (76 loc) · 9.55 KB
/
analysis_notes.txt
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
[1] "acc_now_delinq" "acc_open_past_24mths" "addr_state"
[4] "all_util" "annual_inc" "annual_inc_joint"
[7] "application_type" "avg_cur_bal" "bc_open_to_buy"
[10] "bc_util" "chargeoff_within_12_mths" "collection_recovery_fee"
[13] "collections_12_mths_ex_med" "debt_settlement_flag" "debt_settlement_flag_date"
[16] "deferral_term" "delinq_2yrs" "delinq_amnt"
[19] "desc" "disbursement_method" "dti"
[22] "dti_joint" "earliest_cr_line" "emp_length"
[25] "emp_title" "fico_range_high" "fico_range_low"
[28] "funded_amnt" "funded_amnt_inv" "grade"
[31] "hardship_amount" "hardship_dpd" "hardship_end_date"
[34] "hardship_flag" "hardship_last_payment_amount" "hardship_length"
[37] "hardship_loan_status" "hardship_payoff_balance_amount" "hardship_reason"
[40] "hardship_start_date" "hardship_status" "hardship_type"
[43] "home_ownership" "id" "il_util"
[46] "initial_list_status" "inq_fi" "inq_last_12m"
[49] "inq_last_6mths" "installment" "int_rate"
[52] "issue_d" "last_credit_pull_d" "last_fico_range_high"
[55] "last_fico_range_low" "last_pymnt_amnt" "last_pymnt_d"
[58] "loan_amnt" "loan_status" "max_bal_bc"
[61] "member_id" "mo_sin_old_il_acct" "mo_sin_old_rev_tl_op"
[64] "mo_sin_rcnt_rev_tl_op" "mo_sin_rcnt_tl" "mort_acc"
[67] "mths_since_last_delinq" "mths_since_last_major_derog" "mths_since_last_record"
[70] "mths_since_rcnt_il" "mths_since_recent_bc" "mths_since_recent_bc_dlq"
[73] "mths_since_recent_inq" "mths_since_recent_revol_delinq" "next_pymnt_d"
[76] "num_accts_ever_120_pd" "num_actv_bc_tl" "num_actv_rev_tl"
[79] "num_bc_sats" "num_bc_tl" "num_il_tl"
[82] "num_op_rev_tl" "num_rev_accts" "num_rev_tl_bal_gt_0"
[85] "num_sats" "num_tl_120dpd_2m" "num_tl_30dpd"
[88] "num_tl_90g_dpd_24m" "num_tl_op_past_12m" "open_acc"
[91] "open_acc_6m" "open_act_il" "open_il_12m"
[94] "open_il_24m" "open_rv_12m" "open_rv_24m"
[97] "orig_projected_additional_accrued_interest" "out_prncp" "out_prncp_inv"
[100] "payment_plan_start_date" "pct_tl_nvr_dlq" "percent_bc_gt_75"
[103] "policy_code" "pub_rec" "pub_rec_bankruptcies"
[106] "purpose" "pymnt_plan" "recoveries"
[109] "revol_bal" "revol_bal_joint" "revol_util"
[112] "sec_app_chargeoff_within_12_mths" "sec_app_collections_12_mths_ex_med" "sec_app_earliest_cr_line"
[115] "sec_app_fico_range_high" "sec_app_fico_range_low" "sec_app_inq_last_6mths"
[118] "sec_app_mort_acc" "sec_app_mths_since_last_major_derog" "sec_app_num_rev_accts"
[121] "sec_app_open_acc" "sec_app_open_act_il" "sec_app_revol_util"
[124] "settlement_amount" "settlement_date" "settlement_percentage"
[127] "settlement_status" "settlement_term" "sub_grade"
[130] "tax_liens" "term" "title"
[133] "tot_coll_amt" "tot_cur_bal" "tot_hi_cred_lim"
[136] "total_acc" "total_bal_ex_mort" "total_bal_il"
[139] "total_bc_limit" "total_cu_tl" "total_il_high_credit_limit"
[142] "total_pymnt" "total_pymnt_inv" "total_rec_int"
[145] "total_rec_late_fee" "total_rec_prncp" "total_rev_hi_lim"
[148] "url" "verification_status" "verification_status_joint"
[151] "zip_code"
The most important features that can affect the `loan_status` typically revolve around an applicant's creditworthiness, financial history, and loan characteristics.
1. `annual_inc` – The borrower's annual income influences their ability to repay the loan.
2. `dti` – Debt-to-income ratio is critical in assessing whether the borrower has too much debt relative to their income.
3. `fico_range_high` – The borrower's highest FICO score, indicating creditworthiness.
4. `fico_range_low` – The borrower's lowest FICO score, providing further insight into their credit profile.
5. `loan_amnt` – The amount of the loan can influence risk, with larger loans generally being riskier.
6. `int_rate` – The interest rate affects the cost of the loan and could impact default risk.
7. `earliest_cr_line` – The age of the borrower's credit history, where longer histories typically indicate lower risk.
8. `revol_util` – Revolving credit utilization shows how much credit the borrower is using compared to their credit limit.
9. `delinq_2yrs` – Number of delinquencies in the past two years, which is a strong indicator of financial instability.
10. `pub_rec` – Public records such as bankruptcies or liens can indicate poor financial history.
11. `total_acc` – Total number of credit accounts, indicating how much credit the borrower has managed.
12. `open_acc` – Number of currently open accounts, which shows how much active credit the borrower is managing.
13. `installment` – The monthly payment on the loan, impacting affordability for the borrower.
14. `home_ownership` – Whether the borrower owns a home, which can serve as collateral or indicate financial stability.
15. `verification_status` – Indicates whether the borrower's income has been verified, which can affect the lender’s confidence in repayment.
16. `delinq_amnt` – The total amount delinquent, showing how much the borrower is behind on payments.
17. `collections_12_mths_ex_med` – Number of collections in the last 12 months, excluding medical bills.
18. `chargeoff_within_12_mths` – Number of charge-offs in the last 12 months, a direct measure of default risk.
19. `mths_since_last_delinq` – Time since the last delinquency, where recent delinquencies indicate a higher risk of default.
20. `purpose` – The stated purpose of the loan (e.g., debt consolidation, home improvement), as some purposes may have higher default rates than others.
Observations :
% of charged off loans for each quarter
- i wnet with percentage so that it will give me the idea of charged off frequency compared to other type of loans.
- this will handel irregularity in the frequency of loan that dispursed specific year.