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.
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