| Credit Profile of Borrower | Credit Rating | Credit scoring rate of borrower |
| Fico Credit Score | FICO credit scoring of borrower |
| Delinquent Quantity | The count of delinquencies or instances of late payments that an individual or entity has reported within the past two years |
| Percent of No Delinquent Account | The percentage of credit accounts that have never been delinquent |
| Financial Metrics of Borrower | Debt to Income | Debt to income is all monthly debt payments divided by gross monthly income (excluding mortgage) |
| Mortgage Debt to Income | Debt to income including mortgage |
| Primary Income | Primary Income of Borrower |
| Income Verified | Income verification status: True/ False |
| Loan Details | Original Loan Amount | Initial principal balance of a loan when it is first disbursed or originated |
| Outstanding Principal Balance | The remaining amount of principal that you still owe on a loan at any given point in time, after accounting for any payments you have made toward the principal |
| Monthly Payment Amount | Specified amount that parties have agreed upon in a contract to be paid monthly |
| Loan Term | The duration of the loan agreement |
| Payment & Account Activities of Borrower | Inquiry Quantity | The number of inquiries or requests for a credit report made by lenders |
| Number of Opened Accounts | The number of new accounts that have been opened by an individual |
| Number of Opened Accounts in 12 Months | The number of new accounts that have been opened by an individual within the past 12 months |
| Number of Mortgage Accounts | The count of active mortgage accounts that an individual holds within their credit profile |
| Banking & Credit Card Metrics | Total Active Bankcards | The total number of active bankcards, such as credit cards or other similar financial instruments, associated with an individual's credit profile |
| Total Good Standing Active Bankcards | The count of bankcards that an individual currently maintains in good standing within their credit profile |
| Credit Limit | The percentage of bankcard accounts (credit cards) where the balance is greater than 75% of the credit limit |
| Total Credit Balance | The total credit balance excluding mortgage balances on an individual's credit report |
| Economic Indicators | Federal Funds Rate | Federal Funds Effective Rate |
| Consumer Price Index | US Consumer Price Index |
| Unemployment Rate | Unemployment Rate |
| Label | Target | Default: 1, No_default: 0 |