Lending Club Blog

Improvements to Browse Notes Downloadable File

We strive to provide a comprehensive set of information to assist you in your investment analysis and be responsive to your feedback to continuously improve your experience with our platform. Recently, we’ve received requests to augment and improve our Browse Notes downloadable file, which led us to create the new version we have now made available.

The additional data includes loan details and status, third-party reported credit attributes, and information reported by the borrower. This detailed information can be downloaded by logged in users from any page of our Browse Notes section by clicking on the “Download All” link on the bottom right corner of the page.

Clicking this link will automatically create a CSV file, which you can view with Microsoft Excel or other spreadsheet applications to help you in quickly identify Notes that meet your investment criteria.

Changes to the file include the addition of the following twelve credit attributes:

Browse Notes Column Header Definition
acc_open_past_24mths Number of accounts opened in past 24 months
bc_open_to_buy Total open to buy on revolving bankcards
percent_bc_gt_75 Percentage of all bankcard accounts > 75% of limit
bc_util Ratio of total current balance of high credit/credit limit for all bankcard accounts
mths_since_recent_inq Months since most recent inquiry
mths_since_recent_loan_delinq Months since most recent personal finance delinquency
mths_since_recent_revol_delinq Months since most recent revolving delinquency
mths_since_recent_bc Months since most recent bankcard account opened
mort_acc Number of mortgage accounts
pub_rec_gt_100 Number of public record and account line derogatory items greater than $100
total_bal_ex_mort Total current balance of all accounts, excluding mortgage
total_bc_limit Total bankcard high credit/credit limit

 

Other attributes we’ve added to the file are the loans’ APR, loan listing URL, loan description, loan title, expected default rate, and service fee rate.

We also did some spring cleaning on the downloadable file, removing data fields that were redundant, deprecated, or just simple calculations of existing fields.

Lastly, the layout of the file has changed – so to ease the transition we’re making the previous file format available via this link until June 15, 2012, after which we will retire it.

As always, we welcome your feedback and questions at data@lendingclub.com.

Wednesday, March 14th, 2012 at 5:06 am

Comments (14)

  1. Lewis Infeld:

    The download format is greatly improved. How about adding some
    useful fields to the web page display. For example, the Loan ID
    would be useful for searching for particular loans.

    March 14th, 2012 at 6:07 pm

  2. Bryce M.:

    Thank you for being responsive to our needs. The additions are
    helpful, and I have been waiting to incorporate some of the
    additional fields into models for a while. The “review status” is
    extremely helpful as nothing was more frustrating than investing in
    a loan and then having it canceled by LC through a failed review.
    Although it might not be possible, to the extent that some of these
    items could be added to the historical extract, it may further
    improve our decision making process (e.g., verified income, bank
    card utilization >75%). Finally, you didn’t mention MSA, but I’m
    hoping that although this is currently empty, this is a placeholder
    for metropolitan statistical area. Can you comment? Tying city and
    state to GIS data has been tedious.

    March 15th, 2012 at 1:51 am

  3. Your platform is great, the new additions looks great.

    March 15th, 2012 at 4:43 pm

  4. I love the updates, continue to make lending club more user
    friendly, more efficient, and with higher loan repayment success.
    Thank you Lending Club!

    March 16th, 2012 at 8:23 am

  5. Derick:

    The new updates look great, much more functional and useful to me
    now.

    March 21st, 2012 at 4:31 pm

  6. Joyo:

    Is there a feature to upload a CSV of orders (id, amount)? After
    dicing and slicing the notes, I come up with a bunch of notes to
    invest (usually tens of notes). I have the CSV file of ids and
    amounts. It would be nice if I can upload it to add them as my
    orders. Then, I can review and place them.

    April 28th, 2012 at 6:52 pm

  7. Jason:

    But keep in mind that if you make any changes in the report after
    loading CSV it it is better to save it as an excel book.

    July 27th, 2012 at 6:49 am

  8. Em:

    Any plans to make the In Funding Loan Data (from the Lending Club
    Statistics page) up to date? It’s usually a day or two behind
    what’s actually available. (Not sure why you couldn’t just use the
    same file.)

    July 28th, 2012 at 5:13 pm

  9. John:

    The downloadable options are great. The user interface is very user
    friendly. I think the new fields make it easier to use.

    August 16th, 2012 at 3:37 am

  10. erda:

    The fact that this detailed information can be downloaded by logged
    in users from any page of our Browse Notes section by clicking on
    the “Download All” link on the bottom right corner of the pageis
    great.Thank you for being responsive to our needs.

    September 7th, 2012 at 1:28 pm

  11. Arthur:

    It’s very useful to be able to load and save data in Excel. Thanks
    a lot for adding this feature.

    September 8th, 2012 at 1:08 pm

  12. Orange County Martial Arts:

    This will be one of the easiest way to download files. But, i think
    it costs more!

    September 10th, 2012 at 10:20 pm

  13. Gerard Bedard:

    How about adding a download for CSV format, it would my bookkeeping
    a lot easier.

    September 14th, 2012 at 7:00 pm

  14. carson:

    Looks good guys! Excel helps things a lot, muchhh appreciated.

    September 19th, 2012 at 8:17 pm

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