Lending Club Past Loan Performance by Delinquencies in Last 2 Years

  • Lending Club Past Loan Performance with Delinquencies in Last 2 Years

  • Net Annualized Return (NAR)

  • Loss Rate

Delinquencies in Last 2 Years Range Origination Period Loan Count Interest Rate Loss Rate NAR
0 - 1 06/2007 - 09/2018 1,720,738 12.95% 8.16% 7.14%
1 - 2 06/2007 - 09/2018 271,239 13.61% 8.97% 7.48%
2 - 3 07/2007 - 09/2018 79,886 13.89% 9.75% 7.40%
3 - 4 09/2007 - 09/2018 29,560 14.00% 10.16% 7.19%
4 - 5 07/2007 - 09/2018 13,404 14.10% 10.22% 7.46%
5 - 6 10/2007 - 09/2018 6,842 14.18% 10.39% 7.30%
6 - 7 11/2007 - 09/2018 3,888 14.10% 9.98% 7.57%
7 - 8 01/2008 - 09/2018 2,185 14.19% 10.98% 7.02%
8 - 9 02/2008 - 09/2018 1,358 14.16% 9.74% 7.83%
9+ 07/2007 - 09/2018 2,877 14.37% 10.91% 7.15%
  • Lending Club Past Loan Performance with Delinquencies in Last 2 Years and Vintage

Vintage Delinquencies in Last 2 Years Range Origination Period Loan Count Interest Rate Loss Rate NAR
2007 0 - 1 06/2007 - 12/2007 503 11.55% 18.87% 0.94%
2008 0 - 1 01/2008 - 12/2008 2,046 11.89% 15.84% 1.94%
2009 0 - 1 01/2009 - 12/2009 4,737 12.28% 9.58% 5.01%
2010 0 - 1 01/2010 - 12/2010 11,144 11.79% 8.92% 5.36%
2011 0 - 1 01/2011 - 12/2011 19,370 11.98% 10.67% 5.06%
2012 0 - 1 01/2012 - 12/2012 46,054 13.36% 11.25% 6.03%
2013 0 - 1 01/2013 - 12/2013 112,397 14.38% 10.55% 7.67%
2014 0 - 1 01/2014 - 12/2014 186,781 13.62% 11.66% 6.27%
2015 0 - 1 01/2015 - 12/2015 334,008 12.50% 12.15% 4.40%
2016 0 - 1 01/2016 - 12/2016 341,966 12.98% 10.94% 5.03%
2017 0 - 1 01/2017 - 12/2017 353,679 13.09% 5.56% 8.47%
2018 0 - 1 01/2018 - 09/2018 308,053 12.40% 0.67% 11.72%
2007 1 - 2 06/2007 - 12/2007 61 13.06% 16.98% 3.76%
2008 1 - 2 01/2008 - 12/2008 242 12.87% 13.37% 5.18%
2009 1 - 2 01/2009 - 12/2009 430 13.66% 9.99% 6.51%
2010 1 - 2 01/2010 - 12/2010 1,079 13.36% 10.46% 5.66%
2011 1 - 2 01/2011 - 12/2011 1,783 13.86% 12.93% 5.75%
2012 1 - 2 01/2012 - 12/2012 5,267 15.22% 12.27% 7.95%
2013 1 - 2 01/2013 - 12/2013 15,510 15.08% 10.43% 8.86%
2014 1 - 2 01/2014 - 12/2014 31,859 14.25% 12.10% 6.84%
2015 1 - 2 01/2015 - 12/2015 57,000 12.90% 12.82% 4.64%
2016 1 - 2 01/2016 - 12/2016 60,197 13.20% 11.19% 5.30%
2017 1 - 2 01/2017 - 12/2017 58,115 13.74% 6.27% 8.72%
2018 1 - 2 01/2018 - 09/2018 39,696 13.73% 0.79% 13.10%
2007 2 - 3 07/2007 - 12/2007 23 13.60% 19.56% 0.87%
2008 2 - 3 01/2008 - 12/2008 69 13.38% 12.24% 5.13%
2009 2 - 3 01/2009 - 12/2009 79 14.21% 11.22% 6.26%
2010 2 - 3 01/2010 - 12/2010 220 14.01% 11.17% 5.49%
2011 2 - 3 01/2011 - 12/2011 380 15.05% 16.83% 5.77%
2012 2 - 3 01/2012 - 12/2012 1,342 15.62% 10.98% 9.03%
2013 2 - 3 01/2013 - 12/2013 4,368 15.56% 11.62% 8.68%
2014 2 - 3 01/2014 - 12/2014 9,831 14.42% 13.02% 6.52%
2015 2 - 3 01/2015 - 12/2015 17,241 13.11% 13.63% 4.52%
2016 2 - 3 01/2016 - 12/2016 18,168 13.39% 12.14% 5.04%
2017 2 - 3 01/2017 - 12/2017 17,662 13.96% 6.39% 9.02%
2018 2 - 3 01/2018 - 09/2018 10,503 14.41% 0.88% 13.71%
2007 3 - 4 09/2007 - 12/2007 9 12.94% 33.70% -7.08%
2008 3 - 4 02/2008 - 12/2008 25 13.56% 14.54% 7.03%
2009 3 - 4 01/2009 - 12/2009 25 14.24% 10.36% 8.00%
2010 3 - 4 01/2010 - 12/2010 67 14.50% 10.04% 6.35%
2011 3 - 4 01/2011 - 12/2011 118 15.23% 11.35% 7.62%
2012 3 - 4 01/2012 - 12/2012 391 16.12% 11.23% 8.37%
2013 3 - 4 01/2013 - 12/2013 1,397 16.22% 13.06% 9.06%
2014 3 - 4 01/2014 - 12/2014 3,654 14.59% 13.49% 6.29%
2015 3 - 4 01/2015 - 12/2015 6,293 13.19% 13.90% 4.53%
2016 3 - 4 01/2016 - 12/2016 6,986 13.38% 12.64% 4.98%
2017 3 - 4 01/2017 - 12/2017 6,675 13.96% 7.08% 8.08%
2018 3 - 4 01/2018 - 09/2018 3,920 14.83% 0.96% 13.93%
2007 4 - 5 07/2007 - 11/2007 4 12.96% 11.42% 4.28%
2008 4 - 5 02/2008 - 09/2008 5 15.36% 29.98% -1.99%
2009 4 - 5 02/2009 - 12/2009 7 14.39% 4.93% 12.73%
2010 4 - 5 01/2010 - 11/2010 16 14.58% 0.00% 14.69%
2011 4 - 5 01/2011 - 12/2011 40 16.38% 20.82% 1.22%
2012 4 - 5 01/2012 - 12/2012 142 15.70% 11.91% 7.59%
2013 4 - 5 01/2013 - 12/2013 558 16.25% 11.43% 9.11%
2014 4 - 5 01/2014 - 12/2014 1,606 14.83% 13.31% 7.38%
2015 4 - 5 01/2015 - 12/2015 2,949 13.21% 14.87% 4.07%
2016 4 - 5 01/2016 - 12/2016 3,153 13.56% 12.82% 5.14%
2017 4 - 5 01/2017 - 12/2017 3,060 14.10% 6.81% 8.81%
2018 4 - 5 01/2018 - 09/2018 1,864 14.97% 1.38% 14.15%
2007 5 - 6 10/2007 - 10/2007 1 13.43% 0.00% 13.45%
2008 5 - 6 03/2008 - 04/2008 2 14.82% 0.00% 12.85%
2009 5 - 6 01/2009 - 12/2009 3 14.41% 0.00% 14.72%
2010 5 - 6 06/2010 - 12/2010 5 15.28% 0.00% 14.08%
2011 5 - 6 01/2011 - 11/2011 16 15.13% 9.55% 8.23%
2012 5 - 6 01/2012 - 12/2012 83 16.39% 18.57% 6.45%
2013 5 - 6 01/2013 - 12/2013 277 16.49% 9.63% 10.51%
2014 5 - 6 01/2014 - 12/2014 849 14.47% 14.09% 6.13%
2015 5 - 6 01/2015 - 12/2015 1,475 13.30% 14.38% 4.51%
2016 5 - 6 01/2016 - 12/2016 1,553 13.69% 12.94% 5.32%
2017 5 - 6 01/2017 - 12/2017 1,680 14.28% 7.37% 8.31%
2018 5 - 6 01/2018 - 09/2018 898 15.01% 1.46% 13.52%
2007 6 - 7 11/2007 - 11/2007 1 14.70% 0.00% 14.48%
2008 6 - 7 11/2008 - 11/2008 1 11.14% 0.00% 10.92%
2010 6 - 7 08/2010 - 11/2010 4 15.02% 1.79% 11.10%
2011 6 - 7 03/2011 - 11/2011 7 14.21% 49.70% 1.76%
2012 6 - 7 02/2012 - 12/2012 37 16.15% 13.78% 8.07%
2013 6 - 7 01/2013 - 12/2013 153 16.69% 10.40% 10.87%
2014 6 - 7 01/2014 - 12/2014 426 14.52% 11.91% 7.51%
2015 6 - 7 01/2015 - 12/2015 842 13.39% 14.41% 4.58%
2016 6 - 7 01/2016 - 12/2016 917 13.48% 14.12% 3.81%
2017 6 - 7 01/2017 - 12/2017 963 14.28% 6.41% 9.55%
2018 6 - 7 01/2018 - 09/2018 537 14.74% 0.95% 14.21%
2008 7 - 8 01/2008 - 01/2008 1 13.30% 0.00% 11.62%
2010 7 - 8 10/2010 - 12/2010 2 14.22% 0.00% 14.41%
2011 7 - 8 02/2011 - 05/2011 3 17.97% 19.87% -7.30%
2012 7 - 8 02/2012 - 12/2012 27 16.08% 24.91% 4.65%
2013 7 - 8 01/2013 - 12/2013 59 15.38% 6.77% 10.95%
2014 7 - 8 01/2014 - 12/2014 254 14.91% 17.71% 4.82%
2015 7 - 8 01/2015 - 12/2015 438 13.46% 15.62% 5.33%
2016 7 - 8 01/2016 - 12/2016 519 13.54% 14.91% 3.30%
2017 7 - 8 01/2017 - 12/2017 569 14.33% 5.65% 8.90%
2018 7 - 8 01/2018 - 09/2018 313 15.00% 1.75% 13.49%
2008 8 - 9 02/2008 - 02/2008 1 14.82% 0.00% 15.19%
2011 8 - 9 02/2011 - 05/2011 2 16.94% 66.76% -17.11%
2012 8 - 9 08/2012 - 12/2012 5 16.29% 30.44% -0.35%
2013 8 - 9 01/2013 - 12/2013 39 16.15% 18.73% 9.25%
2014 8 - 9 01/2014 - 12/2014 130 14.21% 12.09% 8.71%
2015 8 - 9 01/2015 - 12/2015 284 13.16% 13.01% 5.28%
2016 8 - 9 01/2016 - 12/2016 320 13.70% 12.77% 5.51%
2017 8 - 9 01/2017 - 12/2017 358 14.65% 7.85% 8.35%
2018 8 - 9 01/2018 - 09/2018 219 14.87% 1.44% 13.26%
2007 9+ 07/2007 - 07/2007 1 14.07% 0.00% 14.16%
2008 9+ 04/2008 - 04/2008 1 18.61% 0.00% 19.19%
2011 9+ 03/2011 - 05/2011 2 12.77% 0.00% 12.73%
2012 9+ 04/2012 - 12/2012 19 14.68% 11.78% 6.26%
2013 9+ 01/2013 - 12/2013 56 16.35% 14.68% 7.80%
2014 9+ 01/2014 - 12/2014 239 14.72% 18.53% 4.73%
2015 9+ 01/2015 - 12/2015 565 13.67% 16.14% 3.98%
2016 9+ 01/2016 - 12/2016 628 13.97% 15.36% 4.29%
2017 9+ 01/2017 - 12/2017 818 14.59% 8.48% 8.23%
2018 9+ 01/2018 - 09/2018 548 14.82% 1.60% 13.06%