Graph and download economic data for Large Bank Consumer Credit Card Originations: New Originations (RCCCOORG) from Q3 2012 to Q2 2025 about origination, FR Y-14M, credit cards, consumer credit, large, new, loans, consumer, banks, depository institutions, and USA.

Graph and download economic data for Large Bank Consumer Credit Card Originations: Original Credit Score: 50th Percentile (RCCCOSCOREPCT50) from Q3 2012 to Q2 2025 about score, origination, FR Y-14M, credit cards, consumer credit, large, credits, percentile, loans, consumer, banks, depository institutions, and USA.

Graph and download economic data for Large Bank Consumer Credit Card Originations: Average Original Purchase APR: Private Label (RCCCOAPRAVGPCTPL) from Q3 2012 to Q2 2025 about origination, FR Y-14M, credit cards, consumer credit, purchase, large, average, loans, consumer, banks, private, depository institutions, and USA.

Graph and download economic data for Large Bank Consumer Credit Card Originations: Percentage of New Commitments with <660 Credit Score (RCCCOCOMPCTSCORELT660) from Q3 2012 to Q2 2025 about commitments, score, FR Y-14M, origination, credit cards, consumer credit, large, credits, percent, new, loans, consumer, banks, depository institutions, and USA.

Graph and download economic data for Large Bank Consumer Credit Card Originations: Median Original Credit Limit by Credit Score Group: >=720 Credit Score (RCCCOLIMMEDSCOREGTE720) from Q3 2012 to Q2 2025 about score, origination, FR Y-14M, credit cards, consumer credit, large, credits, loans, consumer, median, banks, depository institutions, and USA.

Synthetic Credit Risk Portfolio Dataset

Realistic Customer Lifecycle Data for Credit Risk Modeling

📊 Dataset Overview

This synthetic dataset simulates a realistic credit portfolio with 135,000 consumer loans originated between 2022-2024, including detailed monthly performance tracking through December 2024. The dataset is designed to enable comprehensive credit risk modeling, early warning system development, and portfolio analytics research.

Key Features: - 135,000 loan originations spanning 3 years - Monthly performance tracking (up to 36 months per loan) - Realistic customer deterioration patterns - Credit bureau signal simulation - Ground truth labels for default prediction

Use Cases: - Credit risk modeling and default prediction - Early warning system development - Portfolio risk analytics - Basel III capital calculation - Customer lifecycle analysis - Collections strategy optimization - Causal inference studies on intervention effectiveness

📁 Dataset Files

1. origination_data.csv

Contains static information captured at loan application/origination time.

Size: 135,000 rows × 19 columns

2. monthly_performance.csv

Contains time-series data tracking customer behavior month-by-month post-origination.

Size: ~2.5M+ rows (varies by customer tenure)

📋 Variable Definitions

ORIGINATION DATA (origination_data.csv)

Customer Demographics

Variable	Type	Range/Values	Description
customer_id	string	CUST100000-CUST234999	Unique customer identifier
application_date	date	2022-01-01 to 2024-12-31	Date when loan application was submitted
age	integer	20-65	Customer age at application (years)
gender	categorical	Male, Female	Customer gender
employment_status	categorical	Employed, Self-Employed, Unemployed	Employment status at origination
annual_income	float	Variable	Gross annual income (currency units)
monthly_income	float	Variable	Gross monthly income (annual/12)

Loan Characteristics

Variable	Type	Range/Values	Description
loan_amount	float	50,000-1,500,000	Principal loan amount disbursed
interest_rate	float	7.0-24.0	Annual percentage rate (APR)
loan_term	integer	36, 48, 60, 72, 84	Loan tenure in months
emi	float	Variable	Equated Monthly Installment (calculated using standard amortization formula)

Credit Profile at Origination

Variable	Type	Range/Values	Description
credit_score_origination	integer	300-900	Credit bureau score at application time (FICO-style)
dti	float	0.10-0.70	Debt-to-Income ratio (monthly debt obligations / monthly income)
revolving_utilization_origination	float	0.0-1.0	Credit card utilization rate at origination (used credit / available credit)
credit_inquiries_12m	integer	0-6	Number of hard credit inquiries in past 12 months

Behavioral Patterns & Target

Variable	Type	Range/Values	Description
deterioration_pattern	categorical	stable, gradual_decline, sudden_shock, credit_seeking	Simulated customer lifecycle behavior pattern
default_12m	binary	0, 1	TARGET VARIABLE - Whether customer defaults within 12 months (1=Yes, 0=No)

Derived Fields

Variable	Type	Range/Values	Description
vintage_year	integer	2022, 2023, 2024	Year of loan origination (for cohort analysis)
vintage_month	string	YYYY-MM format	Year-month of origination (for vintage tracking)

MONTHLY PERFORMANCE DATA (monthly_performance.csv)

Time-Series Identifiers

Variable	Type	Range/Values	Description
customer_id	string	CUST100000-CUST234999	Links to origination data
observation_month	string	YYYY-MM format	The calendar month of this observation
months_on_book	integer	1-36	Number of months since origination (account age)

Payment Behavior

Variable	Type	Range/Values	Description
dpd_current	integer	0, 30, 60, 90+	Days Past Due in current month (0=current, 90+=default)
payment_made	binary	0, 1	Whether scheduled EMI payment was made this month
payment_amount	float	0 to EMI amount	Actual payment amount received
scheduled_emi	float	Variable	Expected monthly payment amount

Credit Bureau Signals (Monthly Updates)

| Variable | Type | Range/Values | Description | |----------|------|--------------|-----...

Global Lending Software Market is segmented by Application (Consumer Loans_ Commercial Lending_ Mortgage_ Auto Loans_ Credit Cards), Type (Loan Origination Software_ Loan Servicing Software_ Loan Management_ Mobile Lending_ Peer-to-Peer Lending), and Geography (North America_ LATAM_ West Europe_Central & Eastern Europe_ Northern Europe_ Southern Europe_ East Asia_ Southeast Asia_ South Asia_ Central Asia_ Oceania_ MEA)

Net-Borrowings Time Series for JPMorgan Chase & Co. JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, cash management, and payments and services; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, auto loans, leases, and travel services to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. It also provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt market capital-raising services, as well as loan origination and syndication; payments; and cash and derivative instruments, risk management solutions, prime brokerage, and research, as well as offers securities services, including custody, fund services, liquidity, and trading services, and data solutions products. In addition, the company provides financial solutions, including lending, payments, investment banking, and asset management to small and midsized companies, local governments, nonprofit clients, and municipalities, as well as commercial real estate clients. Further, it offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, estate planning, lending, deposits, and investment management products to high net worth clients. The company was founded in 1799 and is headquartered in New York, New York.

Global AI-Driven Loan Origination Market is segmented by Application (Consumer Loans_Mortgage Lending_Small Business Loans_Auto Loans_Credit Card Issuance), Type (Automated Credit Scoring_Credit Risk Analysis_Document Verification_Personalization Engines_Loan Underwriting Automation), and Geography (North America_ LATAM_ West Europe_Central & Eastern Europe_ Northern Europe_ Southern Europe_ East Asia_ Southeast Asia_ South Asia_ Central Asia_ Oceania_ MEA)

Drechsler et al. (2017) present a novel reformulation of the bank lending channel of monetary transmission based on market power in local deposits markets, which they term the deposits channel. In this paper, we first perform a successful narrow replication of their key empirical results. We then revisit their results on lending in two ways. First, recent studies have pointed out the unique dynamics of credit card loans in Community Reinvestment Act loan origination data. When accounting for this heterogeneity, we find key results are sensitive to the inclusion of credit card banks that raise funds outside of local deposit markets. Second, we show that inconsistencies with related empirical studies can be explained by differences in market power measure, sample period, and the inclusion of alternative control variables. The results highlight that market power on opposing sides of bank balance sheets can impact monetary transmission through alternative channels. Overall, this paper suggests the mechanisms underlying the response of lending to monetary policy remains an important open question.

This table contains 102 series, with data starting from 2013, and some select series starting from 2016. This table contains data described by the following dimensions (Not all combinations are available): Geography (1 item: Canada), Components (51 items: Total, funds advanced, residential mortgages, insured; Variable rate, insured; Fixed rate, insured, less than 1 year; Fixed rate, insured, from 1 to less than 3 years; ...), and Unit of measure (2 items: Dollars; Interest rate). For additional clarification on the component dimension, please visit the OSFI website for the Report on New and Existing Lending.

Ebitda Time Series for JPMorgan Chase & Co. JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, cash management, and payments and services; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, auto loans, leases, and travel services to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. It also provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt market capital-raising services, as well as loan origination and syndication; payments; and cash and derivative instruments, risk management solutions, prime brokerage, and research, as well as offers securities services, including custody, fund services, liquidity, and trading services, and data solutions products. In addition, the company provides financial solutions, including lending, payments, investment banking, and asset management to small and midsized companies, local governments, nonprofit clients, and municipalities, as well as commercial real estate clients. Further, it offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, estate planning, lending, deposits, and investment management products to high net worth clients. The company was founded in 1799 and is headquartered in New York, New York.

JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through four segments: Consumer & Community Banking (CCB), Corporate & Investment Bank (CIB), Commercial Banking (CB), and Asset & Wealth Management (AWM). The CCB segment offers s deposit, investment and lending products, payments, and services to consumers; lending, deposit, and cash management and payment solutions to small businesses; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit card, auto loan, and leasing services. The CIB segment provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt markets capital-raising services, as well as loan origination and syndication; payments and cross-border financing; and cash and derivative instruments, risk management solutions, prime brokerage, and research. This segment also offers securities services, including custody, fund accounting and administration, and securities lending products for asset managers, insurance companies, and public and private investment funds. The CB segment provides financial solutions, including lending, payments, investment banking, and asset management to small business, large and midsized companies, local governments, and nonprofit clients; and commercial real estate banking services to investors, developers, and owners of multifamily, office, retail, industrial, and affordable housing properties. The AWM segment offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, trusts and estates, loans, mortgages, deposits, and investment management products. The company also provides ATM, online and mobile, and telephone banking services. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.

Return-On-Assets Time Series for JPMorgan Chase & Co. JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, cash management, and payments and services; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, auto loans, leases, and travel services to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. It also provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt market capital-raising services, as well as loan origination and syndication; payments; and cash and derivative instruments, risk management solutions, prime brokerage, and research, as well as offers securities services, including custody, fund services, liquidity, and trading services, and data solutions products. In addition, the company provides financial solutions, including lending, payments, investment banking, and asset management to small and midsized companies, local governments, nonprofit clients, and municipalities, as well as commercial real estate clients. Further, it offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, estate planning, lending, deposits, and investment management products to high net worth clients. The company was founded in 1799 and is headquartered in New York, New York.

Cash-and-Equivalents Time Series for JPMorgan Chase & Co. JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, cash management, and payments and services; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, auto loans, leases, and travel services to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. It also provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt market capital-raising services, as well as loan origination and syndication; payments; and cash and derivative instruments, risk management solutions, prime brokerage, and research, as well as offers securities services, including custody, fund services, liquidity, and trading services, and data solutions products. In addition, the company provides financial solutions, including lending, payments, investment banking, and asset management to small and midsized companies, local governments, nonprofit clients, and municipalities, as well as commercial real estate clients. Further, it offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, estate planning, lending, deposits, and investment management products to high net worth clients. The company was founded in 1799 and is headquartered in New York, New York.

Stock Price Time Series for Union Bankshares Inc. Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States. The company offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. It also provides commercial real estate loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; small business administration guaranteed loans; residential construction and mortgage loans; municipal financing, including loans and excess deposits secured by FHLBB letters of credit; and home improvement loans and overdraft checking privileges against preauthorized lines of credit. In addition, the company offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, positive pay and night depository services; merchant credit card services for the deposit and immediate credit of sales drafts; remote deposit capture services; and online mortgage application and consumer deposit account opening services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM cards and services; debit cards; telephone, internet, and mobile banking services, including bill pay; and wealth management, fiduciary, and trust services. It offers retail banking services to individuals; and commercial banking services to small and medium sized business corporations, limited liability companies, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.

Net-Receivables Time Series for Union Bankshares Inc. Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States. The company offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. It also provides commercial real estate loans; commercial loans for plant and equipment, working capital, real estate renovation, and other business purposes to business owners and investors; small business administration guaranteed loans; residential construction and mortgage loans; municipal financing, including loans and excess deposits secured by FHLBB letters of credit; and home improvement loans and overdraft checking privileges against preauthorized lines of credit. In addition, the company offers online cash management services, including account reconciliation, credit card depository, automated clearing house origination, wire transfers, positive pay and night depository services; merchant credit card services for the deposit and immediate credit of sales drafts; remote deposit capture services; and online mortgage application and consumer deposit account opening services. Further, the company provides business checking accounts; standby letters of credit, bank checks or money orders, and safe deposit boxes; ATM cards and services; debit cards; telephone, internet, and mobile banking services, including bill pay; and wealth management, fiduciary, and trust services. It offers retail banking services to individuals; and commercial banking services to small and medium sized business corporations, limited liability companies, partnerships, and sole proprietorships, as well as nonprofit organizations, local municipalities, and school districts. Union Bankshares, Inc. was founded in 1891 and is headquartered in Morrisville, Vermont.

Accounts-Payable Time Series for JPMorgan Chase & Co. JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, cash management, and payments and services; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, auto loans, leases, and travel services to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. It also provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt market capital-raising services, as well as loan origination and syndication; payments; and cash and derivative instruments, risk management solutions, prime brokerage, and research, as well as offers securities services, including custody, fund services, liquidity, and trading services, and data solutions products. In addition, the company provides financial solutions, including lending, payments, investment banking, and asset management to small and midsized companies, local governments, nonprofit clients, and municipalities, as well as commercial real estate clients. Further, it offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, estate planning, lending, deposits, and investment management products to high net worth clients. The company was founded in 1799 and is headquartered in New York, New York.

Free-Cash-Flow-To-The-Firm Time Series for JPMorgan Chase & Co. JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, cash management, and payments and services; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, auto loans, leases, and travel services to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. It also provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt market capital-raising services, as well as loan origination and syndication; payments; and cash and derivative instruments, risk management solutions, prime brokerage, and research, as well as offers securities services, including custody, fund services, liquidity, and trading services, and data solutions products. In addition, the company provides financial solutions, including lending, payments, investment banking, and asset management to small and midsized companies, local governments, nonprofit clients, and municipalities, as well as commercial real estate clients. Further, it offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, estate planning, lending, deposits, and investment management products to high net worth clients. The company was founded in 1799 and is headquartered in New York, New York.

Total-Other-Income-Expense-Net Time Series for JPMorgan Chase & Co. JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through three segments: Consumer & Community Banking, Commercial & Investment Bank, and Asset & Wealth Management. The company offers deposit, investment and lending products, cash management, and payments and services; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit cards, auto loans, leases, and travel services to consumers and small businesses through bank branches, ATMs, and digital and telephone banking. It also provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt market capital-raising services, as well as loan origination and syndication; payments; and cash and derivative instruments, risk management solutions, prime brokerage, and research, as well as offers securities services, including custody, fund services, liquidity, and trading services, and data solutions products. In addition, the company provides financial solutions, including lending, payments, investment banking, and asset management to small and midsized companies, local governments, nonprofit clients, and municipalities, as well as commercial real estate clients. Further, it offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, estate planning, lending, deposits, and investment management products to high net worth clients. The company was founded in 1799 and is headquartered in New York, New York.