LendingClub

Company · US · 2 documents

Key number

90.49 %

SMOTE + ENN classification accuracy. Academic research p.4

Key number

95.7 %

Deep learning model test accuracy. Academic research p.4

Key number

0.608

Best Federated Model Out-of-Time R2. arXiv (Cornell University) p.1

A Critical Review of Machine Learning Approaches for Credit Risk and Loan Default Prediction

Research paperAcademic researchNovember 20265 pages

Machine learning algorithms outperform traditional regression techniques by a margin of generally 10%–15% in loan default prediction.

FedIncome: Federated Learning for Income Estimation in Digital Lending Under Data Sovereignty Constraints

Research paperarXiv (Cornell University)September 202634 pages

The FedIncome framework uses over one million LendingClub loans partitioned into 50 state-level clients to simulate a heterogeneous lending consortium.