Class: LendingClub::Loan

Inherits:
Object
  • Object
show all
Defined in:
lib/lending_club/client/loan.rb

Constant Summary collapse

ATTRIBUTES = 
[
  :as_of_date,
  :id,
  :member_id,
  :term,
  :int_rate,
  :exp_default_rate,
  :service_fee_rate,
  :installment,
  :grade,
  :sub_grade,
  :emp_length,
  :home_ownership,
  :annual_inc,
  :is_inc_v,
  :accept_d,
  :exp_d,
  :list_d,
  :credit_pull_d,
  :review_status_d,
  :review_status,
  :desc,
  :purpose,
  :addr_zip,
  :addr_state,
  :investor_count,
  :ils_exp_d,
  :initial_list_status,
  :emp_title,
  :acc_now_delinq,
  :acc_open_past24_mths,
  :bc_open_to_buy,
  :percent_bc_gt75,
  :bc_util,
  :dti,
  :delinq2_yrs,
  :delinq_amnt,
  :earliest_cr_line,
  :fico_range_low,
  :fico_range_high,
  :inq_last6_mths,
  :mths_since_last_delinq,
  :mths_since_last_record,
  :mths_since_recent_inq,
  :mths_since_recent_revol_delinq,
  :mths_since_recent_bc,
  :mort_acc,
  :open_acc,
  :pub_rec,
  :total_bal_ex_mort,
  :revol_bal,
  :revol_util,
  :total_bc_limit,
  :total_acc,
  :total_il_high_credit_limit,
  :num_rev_accts,
  :mths_since_recent_bc_dlq,
  :pub_rec_bankruptcies,
  :num_accts_ever120_ppd,
  :chargeoff_within12_mths,
  :collections12_mths_ex_med,
  :tax_liens,
  :mths_since_last_major_derog,
  :num_sats,
  :num_tl_op_past12m,
  :mo_sin_rcnt_tl,
  :tot_hi_cred_lim,
  :tot_cur_bal,
  :avg_cur_bal,
  :num_bc_tl,
  :num_actv_bc_tl,
  :num_bc_sats,
  :pct_tl_nvr_dlq,
  :num_tl90g_dpd24m,
  :num_tl30dpd,
  :num_tl120dpd2m,
  :num_il_tl,
  :mo_sin_old_il_acct,
  :num_actv_rev_tl,
  :mo_sin_old_rev_tl_op,
  :mo_sin_rcnt_rev_tl_op,
  :total_rev_hi_lim,
  :num_rev_tl_bal_gt0,
  :num_op_rev_tl,
  :tot_coll_amt,
  :funded_amount,
  :loan_amount
]

Instance Attribute Summary collapse

Class Method Summary collapse

Instance Method Summary collapse

Constructor Details

#initialize(data_hash) ⇒ Loan

Returns a new instance of Loan.



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# File 'lib/lending_club/client/loan.rb', line 314

def initialize(data_hash)
  @as_of_date = data_hash['asOfDate'].to_s
  @id = Integer(data_hash['id'])
  @member_id = Integer(data_hash['memberId'])
  @term = Integer(data_hash['term'])
  @int_rate = Float(data_hash['intRate'])
  @exp_default_rate = Float(data_hash['expDefaultRate'])
  @service_fee_rate = Float(data_hash['serviceFeeRate'])
  @installment = Float(data_hash['installment'])
  @grade = data_hash['grade'].to_s
  @sub_grade = data_hash['subGrade'].to_s
  if data_hash['empLength']
    @emp_length = Integer(data_hash['empLength'])
  end
  if data_hash['homeOwnership']
    @home_ownership = data_hash['homeOwnership'].to_s
  end
  if data_hash['annualInc']
    @annual_inc = Float(data_hash['annualInc'])
  end
  if data_hash['isIncV']
    @is_inc_v = data_hash['isIncV'].to_s
  end
  @accept_d = data_hash['acceptD'].to_s
  @exp_d = data_hash['expD'].to_s
  @list_d = data_hash['listD'].to_s
  @credit_pull_d = data_hash['creditPullD'].to_s
  if data_hash['reviewStatusD']
    @review_status_d = data_hash['reviewStatusD'].to_s
  end
  @review_status = data_hash['reviewStatus'].to_s
  if data_hash['desc']
    @desc = data_hash['desc'].to_s
  end
  @purpose = data_hash['purpose'].to_s
  if data_hash['addrZip']
    @addr_zip = data_hash['addrZip'].to_s
  end
  if data_hash['addrState']
    @addr_state = data_hash['addrState'].to_s
  end
  if data_hash['investorCount']
    @investor_count = Integer(data_hash['investorCount'])
  end
  @ils_exp_d = data_hash['ilsExpD'].to_s
  @initial_list_status = data_hash['initialListStatus'].to_s
  if data_hash['empTitle']
    @emp_title = data_hash['empTitle'].to_s
  end
  if data_hash['accNowDelinq']
    @acc_now_delinq = Integer(data_hash['accNowDelinq'])
  end
  if data_hash['accOpenPast24Mths']
    @acc_open_past24_mths = Integer(data_hash['accOpenPast24Mths'])
  end
  if data_hash['bcOpenToBuy']
    @bc_open_to_buy = Integer(data_hash['bcOpenToBuy'])
  end
  if data_hash['percentBcGt75']
    @percent_bc_gt75 = Float(data_hash['percentBcGt75'])
  end
  if data_hash['bcUtil']
    @bc_util = Float(data_hash['bcUtil'])
  end
  if data_hash['dti']
    @dti = Float(data_hash['dti'])
  end
  if data_hash['delinq2Yrs']
    @delinq2_yrs = Integer(data_hash['delinq2Yrs'])
  end
  if data_hash['delinqAmnt']
    @delinq_amnt = Float(data_hash['delinqAmnt'])
  end
  if data_hash['earliestCrLine']
    @earliest_cr_line = data_hash['earliestCrLine'].to_s
  end
  if data_hash['ficoRangeLow']
    @fico_range_low = Integer(data_hash['ficoRangeLow'])
  end
  if data_hash['ficoRangeHigh']
    @fico_range_high = Integer(data_hash['ficoRangeHigh'])
  end
  if data_hash['inqLast6Mths']
    @inq_last6_mths = Integer(data_hash['inqLast6Mths'])
  end
  if data_hash['mthsSinceLastDelinq']
    @mths_since_last_delinq = Integer(data_hash['mthsSinceLastDelinq'])
  end
  if data_hash['mthsSinceLastRecord']
    @mths_since_last_record = Integer(data_hash['mthsSinceLastRecord'])
  end
  if data_hash['mthsSinceRecentInq']
    @mths_since_recent_inq = Integer(data_hash['mthsSinceRecentInq'])
  end
  if data_hash['mthsSinceRecentRevolDelinq']
    @mths_since_recent_revol_delinq = Integer(data_hash['mthsSinceRecentRevolDelinq'])
  end
  if data_hash['mthsSinceRecentBc']
    @mths_since_recent_bc = Integer(data_hash['mthsSinceRecentBc'])
  end
  if data_hash['mortAcc']
    @mort_acc = Integer(data_hash['mortAcc'])
  end
  if data_hash['openAcc']
    @open_acc = Integer(data_hash['openAcc'])
  end
  if data_hash['pubRec']
    @pub_rec = Integer(data_hash['pubRec'])
  end
  if data_hash['totalBalExMort']
    @total_bal_ex_mort = Integer(data_hash['totalBalExMort'])
  end
  if data_hash['revolBal']
    @revol_bal = Float(data_hash['revolBal'])
  end
  if data_hash['revolUtil']
    @revol_util = Float(data_hash['revolUtil'])
  end
  if data_hash['totalBcLimit']
    @total_bc_limit = Integer(data_hash['totalBcLimit'])
  end
  if data_hash['totalAcc']
    @total_acc = Integer(data_hash['totalAcc'])
  end
  if data_hash['totalIlHighCreditLimit']
    @total_il_high_credit_limit = Integer(data_hash['totalIlHighCreditLimit'])
  end
  if data_hash['numRevAccts']
    @num_rev_accts = Integer(data_hash['numRevAccts'])
  end
  if data_hash['mthsSinceRecentBcDlq']
    @mths_since_recent_bc_dlq = Integer(data_hash['mthsSinceRecentBcDlq'])
  end
  if data_hash['pubRecBankruptcies']
    @pub_rec_bankruptcies = Integer(data_hash['pubRecBankruptcies'])
  end
  if data_hash['numAcctsEver120Ppd']
    @num_accts_ever120_ppd = Integer(data_hash['numAcctsEver120Ppd'])
  end
  if data_hash['chargeoffWithin12Mths']
    @chargeoff_within12_mths = Integer(data_hash['chargeoffWithin12Mths'])
  end
  if data_hash['collections12MthsExMed']
    @collections12_mths_ex_med = Integer(data_hash['collections12MthsExMed'])
  end
  if data_hash['taxLiens']
    @tax_liens = Integer(data_hash['taxLiens'])
  end
  if data_hash['mthsSinceLastMajorDerog']
    @mths_since_last_major_derog = Integer(data_hash['mthsSinceLastMajorDerog'])
  end
  if data_hash['numSats']
    @num_sats = Integer(data_hash['numSats'])
  end
  if data_hash['numTlOpPast12m']
    @num_tl_op_past12m = Integer(data_hash['numTlOpPast12m'])
  end
  if data_hash['moSinRcntTl']
    @mo_sin_rcnt_tl = Integer(data_hash['moSinRcntTl'])
  end
  if data_hash['totHiCredLim']
    @tot_hi_cred_lim = Integer(data_hash['totHiCredLim'])
  end
  if data_hash['totCurBal']
    @tot_cur_bal = Integer(data_hash['totCurBal'])
  end
  if data_hash['avgCurBal']
    @avg_cur_bal = Integer(data_hash['avgCurBal'])
  end
  if data_hash['numBcTl']
    @num_bc_tl = Integer(data_hash['numBcTl'])
  end
  if data_hash['numActvBcTl']
    @num_actv_bc_tl = Integer(data_hash['numActvBcTl'])
  end
  if data_hash['numBcSats']
    @num_bc_sats = Integer(data_hash['numBcSats'])
  end
  if data_hash['pctTlNvrDlq']
    @pct_tl_nvr_dlq = Integer(data_hash['pctTlNvrDlq'])
  end
  if data_hash['numTl90gDpd24m']
    @num_tl90g_dpd24m = Integer(data_hash['numTl90gDpd24m'])
  end
  if data_hash['numTl30dpd']
    @num_tl30dpd = Integer(data_hash['numTl30dpd'])
  end
  if data_hash['numTl120dpd2m']
    @num_tl120dpd2m = Integer(data_hash['numTl120dpd2m'])
  end
  if data_hash['numIlTl']
    @num_il_tl = Integer(data_hash['numIlTl'])
  end
  if data_hash['moSinOldIlAcct']
    @mo_sin_old_il_acct = Integer(data_hash['moSinOldIlAcct'])
  end
  if data_hash['numActvRevTl']
    @num_actv_rev_tl = Integer(data_hash['numActvRevTl'])
  end
  if data_hash['moSinOldRevTlOp']
    @mo_sin_old_rev_tl_op = Integer(data_hash['moSinOldRevTlOp'])
  end
  if data_hash['moSinRcntRevTlOp']
    @mo_sin_rcnt_rev_tl_op = Integer(data_hash['moSinRcntRevTlOp'])
  end
  if data_hash['totalRevHiLim']
    @total_rev_hi_lim = Integer(data_hash['totalRevHiLim'])
  end
  if data_hash['numRevTlBalGt0']
    @num_rev_tl_bal_gt0 = Integer(data_hash['numRevTlBalGt0'])
  end
  if data_hash['numOpRevTl']
    @num_op_rev_tl = Integer(data_hash['numOpRevTl'])
  end
  if data_hash['totCollAmt']
    @tot_coll_amt = Integer(data_hash['totCollAmt'])
  end
  @funded_amount = Float(data_hash['fundedAmount'])
  @loan_amount = Float(data_hash['loanAmount'])
end

Instance Attribute Details

#acc_now_delinq ⇒ Integer? (readonly)

is now delinquent.

Returns:

  • (Integer, nil) —

    The Number of accounts on which the borrower



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# File 'lib/lending_club/client/loan.rb', line 172

def acc_now_delinq
  @acc_now_delinq
end

#acc_open_past24_mths ⇒ Integer? (readonly)

Returns Number of trades opened in past 24 months.

Returns:

  • (Integer, nil) —

    Number of trades opened in past 24 months.



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# File 'lib/lending_club/client/loan.rb', line 174

def acc_open_past24_mths
  @acc_open_past24_mths
end

#accept_d ⇒ String (readonly)

Returns The date which the borrower accepted the offer.

Returns:

  • (String) —

    The date which the borrower accepted the offer



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# File 'lib/lending_club/client/loan.rb', line 130

def accept_d
  @accept_d
end

#addr_state ⇒ String? (readonly)

during loan application

Returns:

  • (String, nil) —

    The address state provided by the borrower



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# File 'lib/lending_club/client/loan.rb', line 155

def addr_state
  @addr_state
end

#addr_zip ⇒ String? (readonly)

by the borrower in the loan application.

Returns:

  • (String, nil) —

    The first 3 numbers of the ZIP code provided



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# File 'lib/lending_club/client/loan.rb', line 152

def addr_zip
  @addr_zip
end

#annual_inc ⇒ Number? (readonly)

registration.

Returns:

  • (Number, nil) —

    The annual income provided by the borrower during



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# File 'lib/lending_club/client/loan.rb', line 126

def annual_inc
  @annual_inc
end

#as_of_date ⇒ String (readonly)

Returns As of date.

Returns:

  • (String) —

    As of date



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# File 'lib/lending_club/client/loan.rb', line 96

def as_of_date
  @as_of_date
end

#avg_cur_bal ⇒ Integer? (readonly)

Returns Average current balance of all accounts.

Returns:

  • (Integer, nil) —

    Average current balance of all accounts



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# File 'lib/lending_club/client/loan.rb', line 270

def avg_cur_bal
  @avg_cur_bal
end

#bc_open_to_buy ⇒ Integer? (readonly)

Returns Total open to buy on revolving bankcards.

Returns:

  • (Integer, nil) —

    Total open to buy on revolving bankcards.



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# File 'lib/lending_club/client/loan.rb', line 176

def bc_open_to_buy
  @bc_open_to_buy
end

#bc_util ⇒ Number? (readonly)

high credit/credit limit for all bankcard accounts.

Returns:

  • (Number, nil) —

    Ratio of total current balance to



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# File 'lib/lending_club/client/loan.rb', line 182

def bc_util
  @bc_util
end

#chargeoff_within12_mths ⇒ Integer? (readonly)

Returns Number of charge-offs within 12 months.

Returns:

  • (Integer, nil) —

    Number of charge-offs within 12 months.



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# File 'lib/lending_club/client/loan.rb', line 250

def chargeoff_within12_mths
  @chargeoff_within12_mths
end

#collections12_mths_ex_med ⇒ Integer? (readonly)

Returns Number of collections in 12 months excluding medical collections.

Returns:

  • (Integer, nil) —

    Number of collections in 12 months excluding medical collections.



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# File 'lib/lending_club/client/loan.rb', line 253

def collections12_mths_ex_med
  @collections12_mths_ex_med
end

#credit_pull_d ⇒ String (readonly)

Returns The date LC pulled credit for this loan.

Returns:

  • (String) —

    The date LC pulled credit for this loan



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# File 'lib/lending_club/client/loan.rb', line 137

def credit_pull_d
  @credit_pull_d
end

#delinq2_yrs ⇒ Integer? (readonly)

delinquency in the borrower’s credit file for the past 2 years.

Returns:

  • (Integer, nil) —

    The Number of 30+ days past-due incidences of



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# File 'lib/lending_club/client/loan.rb', line 189

def delinq2_yrs
  @delinq2_yrs
end

#delinq_amnt ⇒ Number? (readonly)

which the borrower is now delinquent.

Returns:

  • (Number, nil) —

    The past-due amount owed for the accounts on



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# File 'lib/lending_club/client/loan.rb', line 192

def delinq_amnt
  @delinq_amnt
end

#desc ⇒ String? (readonly)

Returns Loan description provided by the borrower.

Returns:

  • (String, nil) —

    Loan description provided by the borrower



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# File 'lib/lending_club/client/loan.rb', line 144

def desc
  @desc
end

#dti ⇒ Number? (readonly)

using the monthly payments on the total debt obligations, excluding mortgage, divided by self-reported monthly income.

Returns:

  • (Number, nil) —

    The borrower’s debt to income ratio, calculated



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# File 'lib/lending_club/client/loan.rb', line 186

def dti
  @dti
end

#earliest_cr_line ⇒ String? (readonly)

credit line was opened

Returns:

  • (String, nil) —

    The date the borrower’s earliest reported



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# File 'lib/lending_club/client/loan.rb', line 195

def earliest_cr_line
  @earliest_cr_line
end

#emp_length ⇒ Integer? (readonly)

between 0 and 10 where 0 means less than one year and 10 means ten or more years.

Returns:

  • (Integer, nil) —

    Employment length in years. Possible values are



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# File 'lib/lending_club/client/loan.rb', line 120

def emp_length
  @emp_length
end

#emp_title ⇒ String? (readonly)

Returns Employment title.

Returns:

  • (String, nil) —

    Employment title



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# File 'lib/lending_club/client/loan.rb', line 169

def emp_title
  @emp_title
end

#exp_d ⇒ String (readonly)

Returns The date the listing will expire.

Returns:

  • (String) —

    The date the listing will expire



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# File 'lib/lending_club/client/loan.rb', line 132

def exp_d
  @exp_d
end

#exp_default_rate ⇒ Number (readonly)

Returns The expected default rate of the loan.

Returns:

  • (Number) —

    The expected default rate of the loan.



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# File 'lib/lending_club/client/loan.rb', line 107

def exp_default_rate
  @exp_default_rate
end

#fico_range_high ⇒ Integer? (readonly)

FICO belongs to.

Returns:

  • (Integer, nil) —

    The upper boundary of range the borrower’s



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# File 'lib/lending_club/client/loan.rb', line 201

def fico_range_high
  @fico_range_high
end

#fico_range_low ⇒ Integer? (readonly)

FICO belongs to.

Returns:

  • (Integer, nil) —

    The lower boundary of range the borrower’s



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# File 'lib/lending_club/client/loan.rb', line 198

def fico_range_low
  @fico_range_low
end

#funded_amount ⇒ Number (readonly)

that point in time.

Returns:

  • (Number) —

    The total amount funded by investors for that loan at



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# File 'lib/lending_club/client/loan.rb', line 308

def funded_amount
  @funded_amount
end

#grade ⇒ String (readonly)

Returns LC assigned loan grade.

Returns:

  • (String) —

    LC assigned loan grade



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# File 'lib/lending_club/client/loan.rb', line 114

def grade
  @grade
end

#home_ownership ⇒ String? (readonly)

borrower during registration. Our values are: RENT, OWN, MORTGAGE, OTHER

Returns:

  • (String, nil) —

    The home ownership status provided by the



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# File 'lib/lending_club/client/loan.rb', line 123

def home_ownership
  @home_ownership
end

#id ⇒ Integer (readonly)

Returns A unique LC assigned ID for the loan listing.

Returns:

  • (Integer) —

    A unique LC assigned ID for the loan listing.



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# File 'lib/lending_club/client/loan.rb', line 98

def id
  @id
end

#ils_exp_d ⇒ String (readonly)

in the initial listing status. After this date is past, the initialListStatus below will not have any effect and the loan will be treated as a FRACTIONAL loan.

Returns:

  • (String) —

    The date and time when the loan will no longer be



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# File 'lib/lending_club/client/loan.rb', line 163

def ils_exp_d
  @ils_exp_d
end

#initial_list_status ⇒ String (readonly)

values are W, F. For more information please read Loan Listing and Whole Loans section.

Returns:

  • (String) —

    The initial listing status of the loan. Possible



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# File 'lib/lending_club/client/loan.rb', line 167

def initial_list_status
  @initial_list_status
end

#inq_last6_mths ⇒ Integer? (readonly)

the past 6 months.

Returns:

  • (Integer, nil) —

    The Number of inquiries by creditors during



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# File 'lib/lending_club/client/loan.rb', line 204

def inq_last6_mths
  @inq_last6_mths
end

#installment ⇒ Number (readonly)

originates.

Returns:

  • (Number) —

    The monthly payment owed by the borrower if the loan



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# File 'lib/lending_club/client/loan.rb', line 112

def installment
  @installment
end

#int_rate ⇒ Number (readonly)

Returns Interest Rate on the loan.

Returns:

  • (Number) —

    Interest Rate on the loan



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# File 'lib/lending_club/client/loan.rb', line 105

def int_rate
  @int_rate
end

#investor_count ⇒ Integer? (readonly)

purchased notes from this loan

Returns:

  • (Integer, nil) —

    The Number of investor members who have



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# File 'lib/lending_club/client/loan.rb', line 158

def investor_count
  @investor_count
end

#is_inc_v ⇒ String? (readonly)

Returns Indicates if income is verified by LC.

Returns:

  • (String, nil) —

    Indicates if income is verified by LC



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# File 'lib/lending_club/client/loan.rb', line 128

def is_inc_v
  @is_inc_v
end

#list_d ⇒ String (readonly)

on the platform.

Returns:

  • (String) —

    The date which the borrower’s application was listed



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# File 'lib/lending_club/client/loan.rb', line 135

def list_d
  @list_d
end

#loan_amount ⇒ Number (readonly)

borrower. If at some point in time, the credit department reduces the loan amount, then it will be reflected in this value.

Returns:

  • (Number) —

    The listed amount of the loan applied for by the



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# File 'lib/lending_club/client/loan.rb', line 312

def loan_amount
  @loan_amount
end

#member_id ⇒ Integer (readonly)

Returns A unique LC assigned Id for the borrower member.

Returns:

  • (Integer) —

    A unique LC assigned Id for the borrower member.



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# File 'lib/lending_club/client/loan.rb', line 100

def member_id
  @member_id
end

#mo_sin_old_il_acct ⇒ Integer? (readonly)

Returns Months since oldest installment account opened.

Returns:

  • (Integer, nil) —

    Months since oldest installment account opened



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# File 'lib/lending_club/client/loan.rb', line 291

def mo_sin_old_il_acct
  @mo_sin_old_il_acct
end

#mo_sin_old_rev_tl_op ⇒ Integer? (readonly)

Returns Months since oldest revolving account opened.

Returns:

  • (Integer, nil) —

    Months since oldest revolving account opened



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# File 'lib/lending_club/client/loan.rb', line 295

def mo_sin_old_rev_tl_op
  @mo_sin_old_rev_tl_op
end

#mo_sin_rcnt_rev_tl_op ⇒ Integer? (readonly)

Returns Months since most recent revolving account opened.

Returns:

  • (Integer, nil) —

    Months since most recent revolving account opened



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# File 'lib/lending_club/client/loan.rb', line 297

def mo_sin_rcnt_rev_tl_op
  @mo_sin_rcnt_rev_tl_op
end

#mo_sin_rcnt_tl ⇒ Integer? (readonly)

Returns Months since most recent account opened.

Returns:

  • (Integer, nil) —

    Months since most recent account opened



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# File 'lib/lending_club/client/loan.rb', line 264

def mo_sin_rcnt_tl
  @mo_sin_rcnt_tl
end

#mort_acc ⇒ Integer? (readonly)

Returns Number of mortgage accounts.

Returns:

  • (Integer, nil) —

    Number of mortgage accounts.



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# File 'lib/lending_club/client/loan.rb', line 219

def mort_acc
  @mort_acc
end

#mths_since_last_delinq ⇒ Integer? (readonly)

last delinquency.

Returns:

  • (Integer, nil) —

    The Number of months since the borrower’s



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# File 'lib/lending_club/client/loan.rb', line 207

def mths_since_last_delinq
  @mths_since_last_delinq
end

#mths_since_last_major_derog ⇒ Integer? (readonly)

Returns Months since most recent 90-day or worse rating.

Returns:

  • (Integer, nil) —

    Months since most recent 90-day or worse rating.



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# File 'lib/lending_club/client/loan.rb', line 258

def mths_since_last_major_derog
  @mths_since_last_major_derog
end

#mths_since_last_record ⇒ Integer? (readonly)

record.

Returns:

  • (Integer, nil) —

    The Number of months since the last public



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# File 'lib/lending_club/client/loan.rb', line 210

def mths_since_last_record
  @mths_since_last_record
end

#mths_since_recent_bc ⇒ Integer? (readonly)

opened.

Returns:

  • (Integer, nil) —

    Months since most recent bankcard account



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# File 'lib/lending_club/client/loan.rb', line 217

def mths_since_recent_bc
  @mths_since_recent_bc
end

#mths_since_recent_bc_dlq ⇒ Integer? (readonly)

Returns Months since most recent bankcard delinquency.

Returns:

  • (Integer, nil) —

    Months since most recent bankcard delinquency.



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# File 'lib/lending_club/client/loan.rb', line 243

def mths_since_recent_bc_dlq
  @mths_since_recent_bc_dlq
end

#mths_since_recent_inq ⇒ Integer? (readonly)

Returns Months since most recent inquiry.

Returns:

  • (Integer, nil) —

    Months since most recent inquiry.



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# File 'lib/lending_club/client/loan.rb', line 212

def mths_since_recent_inq
  @mths_since_recent_inq
end

#mths_since_recent_revol_delinq ⇒ Integer? (readonly)

Returns Months since most recent revolving delinquency.

Returns:

  • (Integer, nil) —

    Months since most recent revolving delinquency.



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# File 'lib/lending_club/client/loan.rb', line 214

def mths_since_recent_revol_delinq
  @mths_since_recent_revol_delinq
end

#num_accts_ever120_ppd ⇒ Integer? (readonly)

Returns Number of accounts ever 120 or more days past due.

Returns:

  • (Integer, nil) —

    Number of accounts ever 120 or more days past due.



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# File 'lib/lending_club/client/loan.rb', line 248

def num_accts_ever120_ppd
  @num_accts_ever120_ppd
end

#num_actv_bc_tl ⇒ Integer? (readonly)

Returns Number of currently active bankcard accounts.

Returns:

  • (Integer, nil) —

    Number of currently active bankcard accounts



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# File 'lib/lending_club/client/loan.rb', line 274

def num_actv_bc_tl
  @num_actv_bc_tl
end

#num_actv_rev_tl ⇒ Integer? (readonly)

Returns Number of currently active revolving trades.

Returns:

  • (Integer, nil) —

    Number of currently active revolving trades



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# File 'lib/lending_club/client/loan.rb', line 293

def num_actv_rev_tl
  @num_actv_rev_tl
end

#num_bc_sats ⇒ Integer? (readonly)

Returns Number of satisfactory bankcard accounts.

Returns:

  • (Integer, nil) —

    Number of satisfactory bankcard accounts



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# File 'lib/lending_club/client/loan.rb', line 276

def num_bc_sats
  @num_bc_sats
end

#num_bc_tl ⇒ Integer? (readonly)

Returns Number of bankcard accounts.

Returns:

  • (Integer, nil) —

    Number of bankcard accounts



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# File 'lib/lending_club/client/loan.rb', line 272

def num_bc_tl
  @num_bc_tl
end

#num_il_tl ⇒ Integer? (readonly)

Returns Number of installment accounts.

Returns:

  • (Integer, nil) —

    Number of installment accounts



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# File 'lib/lending_club/client/loan.rb', line 289

def num_il_tl
  @num_il_tl
end

#num_op_rev_tl ⇒ Integer? (readonly)

Returns Number of open revolving accounts.

Returns:

  • (Integer, nil) —

    Number of open revolving accounts



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# File 'lib/lending_club/client/loan.rb', line 303

def num_op_rev_tl
  @num_op_rev_tl
end

#num_rev_accts ⇒ Integer? (readonly)

Returns Number of revolving accounts.

Returns:

  • (Integer, nil) —

    Number of revolving accounts



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# File 'lib/lending_club/client/loan.rb', line 241

def num_rev_accts
  @num_rev_accts
end

#num_rev_tl_bal_gt0 ⇒ Integer? (readonly)

Returns Number of revolving trades with balance > 0.

Returns:

  • (Integer, nil) —

    Number of revolving trades with balance > 0



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# File 'lib/lending_club/client/loan.rb', line 301

def num_rev_tl_bal_gt0
  @num_rev_tl_bal_gt0
end

#num_sats ⇒ Integer? (readonly)

Returns Number of satisfactory accounts.

Returns:

  • (Integer, nil) —

    Number of satisfactory accounts



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# File 'lib/lending_club/client/loan.rb', line 260

def num_sats
  @num_sats
end

#num_tl120dpd2m ⇒ Integer? (readonly)

due (updated in past 2 months)

Returns:

  • (Integer, nil) —

    Number of accounts currently 120 days past



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# File 'lib/lending_club/client/loan.rb', line 287

def num_tl120dpd2m
  @num_tl120dpd2m
end

#num_tl30dpd ⇒ Integer? (readonly)

due (updated in past 2 months)

Returns:

  • (Integer, nil) —

    Number of accounts currently 30 days past



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# File 'lib/lending_club/client/loan.rb', line 284

def num_tl30dpd
  @num_tl30dpd
end

#num_tl90g_dpd24m ⇒ Integer? (readonly)

in last 24 months

Returns:

  • (Integer, nil) —

    Number of accounts 90 or more days past due



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# File 'lib/lending_club/client/loan.rb', line 281

def num_tl90g_dpd24m
  @num_tl90g_dpd24m
end

#num_tl_op_past12m ⇒ Integer? (readonly)

Returns Number of accounts opened in past 12 months.

Returns:

  • (Integer, nil) —

    Number of accounts opened in past 12 months



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# File 'lib/lending_club/client/loan.rb', line 262

def num_tl_op_past12m
  @num_tl_op_past12m
end

#open_acc ⇒ Integer? (readonly)

borrower’s credit file.

Returns:

  • (Integer, nil) —

    The Number of open credit lines in the



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# File 'lib/lending_club/client/loan.rb', line 222

def open_acc
  @open_acc
end

#pct_tl_nvr_dlq ⇒ Integer? (readonly)

Returns Percent of trades never delinquent.

Returns:

  • (Integer, nil) —

    Percent of trades never delinquent



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# File 'lib/lending_club/client/loan.rb', line 278

def pct_tl_nvr_dlq
  @pct_tl_nvr_dlq
end

#percent_bc_gt75 ⇒ Number? (readonly)

limit.

Returns:

  • (Number, nil) —

    Percentage of all bankcard accounts > 75% of



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# File 'lib/lending_club/client/loan.rb', line 179

def percent_bc_gt75
  @percent_bc_gt75
end

#pub_rec ⇒ Integer? (readonly)

Returns Number of derogatory public records.

Returns:

  • (Integer, nil) —

    Number of derogatory public records.



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# File 'lib/lending_club/client/loan.rb', line 224

def pub_rec
  @pub_rec
end

#pub_rec_bankruptcies ⇒ Integer? (readonly)

Returns Number of public record bankruptcies.

Returns:

  • (Integer, nil) —

    Number of public record bankruptcies.



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# File 'lib/lending_club/client/loan.rb', line 245

def pub_rec_bankruptcies
  @pub_rec_bankruptcies
end

#purpose ⇒ String (readonly)

request. Values are: DEBT_CONSOLIDATION, MEDICAL, HOME_IMPROVEMENT, RENEWABLE_ENERGY, SMALL_BUSINESS, WEDDING, VACATION, MOVING, HOUSE, CAR, MAJOR_PURCHASE, OTHER

Returns:

  • (String) —

    A category provided by the borrower for the loan



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# File 'lib/lending_club/client/loan.rb', line 149

def purpose
  @purpose
end

#review_status ⇒ String (readonly)

Values: APPROVED, NOT_APPROVED.

Returns:

  • (String) —

    The status of the loan during the listing period.



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# File 'lib/lending_club/client/loan.rb', line 142

def review_status
  @review_status
end

#review_status_d ⇒ String? (readonly)

Returns The date the loan application was reviewed by LC.

Returns:

  • (String, nil) —

    The date the loan application was reviewed by LC



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# File 'lib/lending_club/client/loan.rb', line 139

def review_status_d
  @review_status_d
end

#revol_bal ⇒ Number? (readonly)

Returns Total credit revolving balance.

Returns:

  • (Number, nil) —

    Total credit revolving balance.



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# File 'lib/lending_club/client/loan.rb', line 228

def revol_bal
  @revol_bal
end

#revol_util ⇒ Number? (readonly)

amount of credit the borrower is using relative to all available revolving credit.

Returns:

  • (Number, nil) —

    Revolving line utilization rate, or the



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# File 'lib/lending_club/client/loan.rb', line 232

def revol_util
  @revol_util
end

#service_fee_rate ⇒ Number (readonly)

Returns Service fee rate paid by the investor for this loan.

Returns:

  • (Number) —

    Service fee rate paid by the investor for this loan.



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# File 'lib/lending_club/client/loan.rb', line 109

def service_fee_rate
  @service_fee_rate
end

#sub_grade ⇒ String (readonly)

Returns LC assigned loan subgrade.

Returns:

  • (String) —

    LC assigned loan subgrade



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# File 'lib/lending_club/client/loan.rb', line 116

def sub_grade
  @sub_grade
end

#tax_liens ⇒ Integer? (readonly)

Returns Number of tax liens.

Returns:

  • (Integer, nil) —

    Number of tax liens



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# File 'lib/lending_club/client/loan.rb', line 255

def tax_liens
  @tax_liens
end

#term ⇒ Integer (readonly)

months and can be either 36 or 60.

Returns:

  • (Integer) —

    The Number of payments on the loan. Values are in



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# File 'lib/lending_club/client/loan.rb', line 103

def term
  @term
end

#tot_coll_amt ⇒ Integer? (readonly)

Returns Total collection amounts ever owed.

Returns:

  • (Integer, nil) —

    Total collection amounts ever owed



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# File 'lib/lending_club/client/loan.rb', line 305

def tot_coll_amt
  @tot_coll_amt
end

#tot_cur_bal ⇒ Integer? (readonly)

Returns Total current balance of all accounts.

Returns:

  • (Integer, nil) —

    Total current balance of all accounts



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# File 'lib/lending_club/client/loan.rb', line 268

def tot_cur_bal
  @tot_cur_bal
end

#tot_hi_cred_lim ⇒ Integer? (readonly)

Returns Total high credit/credit limit.

Returns:

  • (Integer, nil) —

    Total high credit/credit limit



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# File 'lib/lending_club/client/loan.rb', line 266

def tot_hi_cred_lim
  @tot_hi_cred_lim
end

#total_acc ⇒ Integer? (readonly)

in the borrower’s credit file

Returns:

  • (Integer, nil) —

    The total Number of credit lines currently



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# File 'lib/lending_club/client/loan.rb', line 237

def total_acc
  @total_acc
end

#total_bal_ex_mort ⇒ Integer? (readonly)

Returns Total credit balance excluding mortgage.

Returns:

  • (Integer, nil) —

    Total credit balance excluding mortgage.



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# File 'lib/lending_club/client/loan.rb', line 226

def total_bal_ex_mort
  @total_bal_ex_mort
end

#total_bc_limit ⇒ Integer? (readonly)

Returns Total bankcard high credit/credit limit.

Returns:

  • (Integer, nil) —

    Total bankcard high credit/credit limit.



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# File 'lib/lending_club/client/loan.rb', line 234

def total_bc_limit
  @total_bc_limit
end

#total_il_high_credit_limit ⇒ Integer? (readonly)

Returns Total installment high credit/credit limit.

Returns:

  • (Integer, nil) —

    Total installment high credit/credit limit



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# File 'lib/lending_club/client/loan.rb', line 239

def total_il_high_credit_limit
  @total_il_high_credit_limit
end

#total_rev_hi_lim ⇒ Integer? (readonly)

Returns Total revolving high credit/credit limit.

Returns:

  • (Integer, nil) —

    Total revolving high credit/credit limit



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# File 'lib/lending_club/client/loan.rb', line 299

def total_rev_hi_lim
  @total_rev_hi_lim
end

Class Method Details

.collection(response) ⇒ Object 



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# File 'lib/lending_club/client/loan.rb', line 535

def self.collection(response)
  response['loans'].map do |loan|
    new(loan.merge('asOfDate' => response['asOfDate']))
  end
end

Instance Method Details

#to_h ⇒ Object 



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# File 'lib/lending_club/client/loan.rb', line 541

def to_h
  ATTRIBUTES.reduce({}) do |h, attribute|
    h[attribute.to_s] = send(attribute)
    h
  end
end