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 - 12/2018 1,829,107 12.94% 8.57% 6.88%
1 - 2 06/2007 - 12/2018 285,054 13.62% 9.59% 7.15%
2 - 3 07/2007 - 12/2018 83,393 13.91% 10.43% 7.04%
3 - 4 09/2007 - 12/2018 30,842 14.04% 10.94% 6.80%
4 - 5 07/2007 - 12/2018 13,976 14.13% 11.09% 7.00%
5 - 6 10/2007 - 12/2018 7,124 14.21% 11.29% 6.81%
6 - 7 11/2007 - 12/2018 4,054 14.17% 10.78% 7.17%
7 - 8 01/2008 - 12/2018 2,274 14.22% 11.72% 6.55%
8 - 9 02/2008 - 12/2018 1,409 14.22% 11.14% 7.03%
9+ 07/2007 - 12/2018 3,002 14.41% 12.94% 6.30%
  • 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% 10.56% 7.67%
2014 0 - 1 01/2014 - 12/2014 186,781 13.62% 11.76% 6.26%
2015 0 - 1 01/2015 - 12/2015 334,008 12.50% 12.53% 4.31%
2016 0 - 1 01/2016 - 12/2016 341,966 12.98% 11.87% 4.61%
2017 0 - 1 01/2017 - 12/2017 353,679 13.09% 7.57% 7.18%
2018 0 - 1 01/2018 - 12/2018 416,422 12.48% 1.69% 10.90%
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% 10.44% 8.87%
2014 1 - 2 01/2014 - 12/2014 31,859 14.25% 12.21% 6.83%
2015 1 - 2 01/2015 - 12/2015 57,000 12.90% 13.21% 4.56%
2016 1 - 2 01/2016 - 12/2016 60,197 13.20% 12.24% 4.84%
2017 1 - 2 01/2017 - 12/2017 58,115 13.74% 8.63% 7.26%
2018 1 - 2 01/2018 - 12/2018 53,511 13.76% 1.99% 12.07%
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% 13.15% 6.50%
2015 2 - 3 01/2015 - 12/2015 17,241 13.11% 14.02% 4.44%
2016 2 - 3 01/2016 - 12/2016 18,168 13.39% 13.18% 4.58%
2017 2 - 3 01/2017 - 12/2017 17,662 13.97% 8.80% 7.52%
2018 2 - 3 01/2018 - 12/2018 14,010 14.43% 2.24% 12.58%
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% 13.62% 6.28%
2015 3 - 4 01/2015 - 12/2015 6,293 13.19% 14.31% 4.45%
2016 3 - 4 01/2016 - 12/2016 6,986 13.38% 13.81% 4.44%
2017 3 - 4 01/2017 - 12/2017 6,675 13.97% 9.49% 6.64%
2018 3 - 4 01/2018 - 12/2018 5,202 14.90% 2.66% 12.68%
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% 7.60%
2013 4 - 5 01/2013 - 12/2013 558 16.25% 11.43% 9.12%
2014 4 - 5 01/2014 - 12/2014 1,606 14.83% 13.38% 7.37%
2015 4 - 5 01/2015 - 12/2015 2,949 13.21% 15.49% 3.94%
2016 4 - 5 01/2016 - 12/2016 3,153 13.55% 13.63% 4.73%
2017 4 - 5 01/2017 - 12/2017 3,060 14.10% 9.65% 7.23%
2018 4 - 5 01/2018 - 12/2018 2,436 14.96% 3.06% 12.63%
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% 9.68% 10.50%
2014 5 - 6 01/2014 - 12/2014 849 14.47% 14.14% 6.13%
2015 5 - 6 01/2015 - 12/2015 1,475 13.30% 15.04% 4.35%
2016 5 - 6 01/2016 - 12/2016 1,553 13.69% 14.40% 4.68%
2017 5 - 6 01/2017 - 12/2017 1,680 14.28% 9.82% 6.68%
2018 5 - 6 01/2018 - 12/2018 1,180 15.00% 2.83% 12.45%
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% 10.94%
2014 6 - 7 01/2014 - 12/2014 426 14.52% 12.04% 7.46%
2015 6 - 7 01/2015 - 12/2015 842 13.39% 14.80% 4.54%
2016 6 - 7 01/2016 - 12/2016 917 13.48% 15.03% 3.45%
2017 6 - 7 01/2017 - 12/2017 963 14.28% 8.78% 7.95%
2018 6 - 7 01/2018 - 12/2018 703 15.00% 2.72% 13.10%
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% 4.83%
2015 7 - 8 01/2015 - 12/2015 438 13.46% 15.78% 5.27%
2016 7 - 8 01/2016 - 12/2016 519 13.54% 16.36% 2.61%
2017 7 - 8 01/2017 - 12/2017 569 14.33% 8.52% 7.09%
2018 7 - 8 01/2018 - 12/2018 402 15.01% 2.55% 12.87%
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% 9.33%
2014 8 - 9 01/2014 - 12/2014 130 14.21% 12.09% 8.71%
2015 8 - 9 01/2015 - 12/2015 284 13.16% 14.00% 5.37%
2016 8 - 9 01/2016 - 12/2016 320 13.70% 13.96% 4.92%
2017 8 - 9 01/2017 - 12/2017 358 14.65% 11.49% 6.37%
2018 8 - 9 01/2018 - 12/2018 270 15.03% 3.41% 11.31%
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% 14.88% 7.74%
2014 9+ 01/2014 - 12/2014 239 14.72% 18.53% 4.75%
2015 9+ 01/2015 - 12/2015 565 13.67% 17.28% 3.81%
2016 9+ 01/2016 - 12/2016 628 13.97% 16.58% 3.66%
2017 9+ 01/2017 - 12/2017 818 14.59% 13.32% 6.33%
2018 9+ 01/2018 - 12/2018 673 14.94% 4.35% 11.19%