Training application data from the Home Credit Default Risk competition. The data are credited to Home Credit and the competition's official data page on Kaggle. The copy used to build this package is a third-party mirror published by the Hugging Face user `cantalapiedra`; it is provided as a convenient download location and is not the official source.
Format
A data frame with 307,511 observations and 122 variables:
- sk_id_curr
ID of loan in our sample
- target
Target variable (1 - client with payment difficulties: he/she had late payment more than X days on at least one of the first Y installments of the loan in our sample, 0 - all other cases)
- name_contract_type
Identification if loan is cash or revolving
- code_gender
Gender of the client
- flag_own_car
Flag if the client owns a car
- flag_own_realty
Flag if client owns a house or flat
- cnt_children
Number of children the client has
- amt_income_total
Income of the client
- amt_credit
Credit amount of the loan
- amt_annuity
Loan annuity
- amt_goods_price
For consumer loans it is the price of the goods for which the loan is given
- name_type_suite
Who was accompanying client when he was applying for the loan
- name_income_type
Client income type (for example, business, employment, or maternity leave).
- name_education_type
Level of highest education the client achieved
- name_family_status
Family status of the client
- name_housing_type
What is the housing situation of the client (renting, living with parents, ...)
- region_population_relative
Normalized population of region where client lives (higher number means the client lives in more populated region)
- days_birth
Client's age in days at the time of application
- days_employed
How many days before the application the person started current employment
- days_registration
How many days before the application did client change his registration
- days_id_publish
How many days before the application did client change the identity document with which he applied for the loan
- own_car_age
Age of client's car
- flag_mobil
Did client provide mobile phone (1=YES, 0=NO)
- flag_emp_phone
Did client provide work phone (1=YES, 0=NO)
- flag_work_phone
Did client provide home phone (1=YES, 0=NO)
- flag_cont_mobile
Was mobile phone reachable (1=YES, 0=NO)
- flag_phone
Did client provide home phone (1=YES, 0=NO)
- flag_email
Did client provide email (1=YES, 0=NO)
- occupation_type
What kind of occupation does the client have
- cnt_fam_members
How many family members does client have
- region_rating_client
Our rating of the region where client lives (1,2,3)
- region_rating_client_w_city
Our rating of the region where client lives with taking city into account (1,2,3)
- weekday_appr_process_start
On which day of the week did the client apply for the loan
- hour_appr_process_start
Approximately at what hour did the client apply for the loan
- reg_region_not_live_region
Flag if client's permanent address does not match contact address (1=different, 0=same, at region level)
- reg_region_not_work_region
Flag if client's permanent address does not match work address (1=different, 0=same, at region level)
- live_region_not_work_region
Flag if client's contact address does not match work address (1=different, 0=same, at region level)
- reg_city_not_live_city
Flag if client's permanent address does not match contact address (1=different, 0=same, at city level)
- reg_city_not_work_city
Flag if client's permanent address does not match work address (1=different, 0=same, at city level)
- live_city_not_work_city
Flag if client's contact address does not match work address (1=different, 0=same, at city level)
- organization_type
Type of organization where client works
- ext_source_1
Normalized score from external data source
- ext_source_2
Normalized score from external data source
- ext_source_3
Normalized score from external data source
- apartments_avg
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- basementarea_avg
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- years_beginexpluatation_avg
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- years_build_avg
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- commonarea_avg
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- elevators_avg
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- entrances_avg
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- floorsmax_avg
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- floorsmin_avg
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- landarea_avg
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- livingapartments_avg
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- livingarea_avg
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- nonlivingapartments_avg
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- nonlivingarea_avg
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- apartments_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- basementarea_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- years_beginexpluatation_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- years_build_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- commonarea_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- elevators_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- entrances_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- floorsmax_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- floorsmin_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- landarea_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- livingapartments_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- livingarea_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- nonlivingapartments_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- nonlivingarea_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- apartments_medi
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- basementarea_medi
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- years_beginexpluatation_medi
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- years_build_medi
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- commonarea_medi
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- elevators_medi
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- entrances_medi
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- floorsmax_medi
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- floorsmin_medi
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- landarea_medi
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- livingapartments_medi
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- livingarea_medi
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- nonlivingapartments_medi
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- nonlivingarea_medi
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- fondkapremont_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- housetype_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- totalarea_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- wallsmaterial_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- emergencystate_mode
Normalized information about building where the client lives, What is average (_AVG suffix), modus (_MODE suffix), median (_MEDI suffix) apartment size, common area, living area, age of building, number of elevators, number of entrances, state of the building, number of floor
- obs_30_cnt_social_circle
How many observation of client's social surroundings with observable 30 DPD (days past due) default
- def_30_cnt_social_circle
How many observation of client's social surroundings defaulted on 30 DPD (days past due)
- obs_60_cnt_social_circle
How many observation of client's social surroundings with observable 60 DPD (days past due) default
- def_60_cnt_social_circle
How many observation of client's social surroundings defaulted on 60 (days past due) DPD
- days_last_phone_change
How many days before application did client change phone
- flag_document_2
Did client provide document 2
- flag_document_3
Did client provide document 3
- flag_document_4
Did client provide document 4
- flag_document_5
Did client provide document 5
- flag_document_6
Did client provide document 6
- flag_document_7
Did client provide document 7
- flag_document_8
Did client provide document 8
- flag_document_9
Did client provide document 9
- flag_document_10
Did client provide document 10
- flag_document_11
Did client provide document 11
- flag_document_12
Did client provide document 12
- flag_document_13
Did client provide document 13
- flag_document_14
Did client provide document 14
- flag_document_15
Did client provide document 15
- flag_document_16
Did client provide document 16
- flag_document_17
Did client provide document 17
- flag_document_18
Did client provide document 18
- flag_document_19
Did client provide document 19
- flag_document_20
Did client provide document 20
- flag_document_21
Did client provide document 21
- amt_req_credit_bureau_hour
Number of enquiries to Credit Bureau about the client one hour before application
- amt_req_credit_bureau_day
Number of enquiries to Credit Bureau about the client one day before application (excluding one hour before application)
- amt_req_credit_bureau_week
Number of enquiries to Credit Bureau about the client one week before application (excluding one day before application)
- amt_req_credit_bureau_mon
Number of enquiries to Credit Bureau about the client one month before application (excluding one week before application)
- amt_req_credit_bureau_qrt
Number of enquiries to Credit Bureau about the client 3 month before application (excluding one month before application)
- amt_req_credit_bureau_year
Number of enquiries to Credit Bureau about the client one day year (excluding last 3 months before application)
Source
Official source: Home Credit Default Risk competition on Kaggle, https://www.kaggle.com/competitions/home-credit-default-risk/data. Third-party copy used to build the package: https://huggingface.co/cantalapiedra/poc_scoring_fair/resolve/main/application_train.csv?download=true.
References
Home Credit Default Risk competition, https://www.kaggle.com/competitions/home-credit-default-risk.