Lending Club Past Loan Performance by Debt-to-Income Ratio

  • Lending Club Past Loan Performance with Debt-to-Income Ratio

  • Net Annualized Return (NAR)

  • Loss Rate

Debt-to-Income Ratio Range Origination Period Loan Count Interest Rate Loss Rate NAR
0 - 9 06/2007 - 09/2018 311,683 12.06% 6.36% 7.31%
12 - 14 06/2007 - 09/2018 174,561 12.44% 7.20% 7.33%
14 - 16 06/2007 - 09/2018 182,804 12.62% 7.60% 7.33%
16 - 18 06/2007 - 09/2018 182,371 12.82% 8.03% 7.23%
18 - 20 06/2007 - 09/2018 176,358 13.03% 8.38% 7.18%
20 - 23 07/2007 - 09/2018 239,502 13.33% 8.99% 7.08%
23 - 26 09/2007 - 09/2018 201,618 13.62% 9.68% 6.87%
26 - 30 10/2007 - 09/2018 207,202 13.94% 10.54% 6.58%
30+ 06/2012 - 09/2018 230,666 15.10% 10.86% 7.41%
9 - 12 06/2007 - 09/2018 225,212 12.23% 6.80% 7.39%
  • Lending Club Past Loan Performance with Debt-to-Income Ratio and Vintage

Vintage Debt-to-Income Ratio Range Origination Period Loan Count Interest Rate Loss Rate NAR
2007 0 - 9 06/2007 - 12/2007 262 10.92% 18.67% 0.14%
2008 0 - 9 01/2008 - 12/2008 751 10.94% 13.48% 2.86%
2009 0 - 9 01/2009 - 12/2009 1,740 12.04% 9.22% 5.19%
2010 0 - 9 01/2010 - 12/2010 3,640 11.43% 7.82% 5.44%
2011 0 - 9 01/2011 - 12/2011 5,729 11.51% 8.66% 5.49%
2012 0 - 9 01/2012 - 12/2012 9,263 12.45% 8.89% 6.27%
2013 0 - 9 01/2013 - 12/2013 20,753 13.65% 7.23% 8.76%
2014 0 - 9 01/2014 - 12/2014 32,576 13.08% 8.85% 7.50%
2015 0 - 9 01/2015 - 12/2015 53,584 11.58% 9.06% 5.45%
2016 0 - 9 01/2016 - 12/2016 58,663 11.92% 8.71% 5.51%
2017 0 - 9 01/2017 - 12/2017 63,999 12.17% 5.13% 7.85%
2018 0 - 9 01/2018 - 09/2018 60,723 11.43% 1.12% 10.13%
2007 12 - 14 06/2007 - 12/2007 40 12.46% 23.43% -0.75%
2008 12 - 14 01/2008 - 12/2008 203 11.74% 14.71% 1.96%
2009 12 - 14 01/2009 - 12/2009 534 12.49% 10.01% 4.69%
2010 12 - 14 01/2010 - 12/2010 1,295 12.00% 8.93% 5.46%
2011 12 - 14 01/2011 - 12/2011 2,209 12.41% 11.34% 4.65%
2012 12 - 14 01/2012 - 12/2012 4,753 13.44% 9.85% 7.14%
2013 12 - 14 01/2013 - 12/2013 12,478 14.09% 8.90% 8.22%
2014 12 - 14 01/2014 - 12/2014 20,392 13.27% 10.10% 6.88%
2015 12 - 14 01/2015 - 12/2015 33,153 11.89% 10.30% 5.20%
2016 12 - 14 01/2016 - 12/2016 35,313 12.13% 9.28% 5.33%
2017 12 - 14 01/2017 - 12/2017 35,446 12.50% 4.93% 8.40%
2018 12 - 14 01/2018 - 09/2018 28,745 11.92% 0.56% 11.30%
2007 14 - 16 06/2007 - 12/2007 48 12.42% 15.75% 3.19%
2008 14 - 16 01/2008 - 12/2008 227 12.05% 12.95% 3.23%
2009 14 - 16 01/2009 - 12/2009 542 12.55% 8.87% 6.07%
2010 14 - 16 01/2010 - 12/2010 1,270 12.26% 9.21% 5.18%
2011 14 - 16 01/2011 - 12/2011 2,161 12.50% 10.70% 5.80%
2012 14 - 16 01/2012 - 12/2012 5,088 13.62% 10.57% 6.64%
2013 14 - 16 01/2013 - 12/2013 12,669 14.32% 9.81% 8.27%
2014 14 - 16 01/2014 - 12/2014 21,470 13.38% 10.50% 6.86%
2015 14 - 16 01/2015 - 12/2015 35,158 12.06% 10.83% 4.89%
2016 14 - 16 01/2016 - 12/2016 37,074 12.35% 9.91% 5.34%
2017 14 - 16 01/2017 - 12/2017 37,719 12.65% 5.12% 8.49%
2018 14 - 16 01/2018 - 09/2018 29,378 12.14% 0.47% 11.59%
2007 16 - 18 06/2007 - 12/2007 36 12.22% 17.44% 6.01%
2008 16 - 18 01/2008 - 12/2008 194 12.06% 18.54% 1.37%
2009 16 - 18 01/2009 - 12/2009 467 12.65% 10.59% 5.01%
2010 16 - 18 01/2010 - 12/2010 1,191 12.29% 10.51% 4.96%
2011 16 - 18 01/2011 - 12/2011 2,034 12.70% 12.65% 4.86%
2012 16 - 18 01/2012 - 12/2012 4,984 13.91% 11.07% 6.87%
2013 16 - 18 01/2013 - 12/2013 12,591 14.53% 10.24% 8.12%
2014 16 - 18 01/2014 - 12/2014 21,224 13.56% 11.43% 6.49%
2015 16 - 18 01/2015 - 12/2015 35,717 12.23% 11.48% 4.68%
2016 16 - 18 01/2016 - 12/2016 37,310 12.55% 10.24% 5.25%
2017 16 - 18 01/2017 - 12/2017 37,168 12.89% 5.19% 8.56%
2018 16 - 18 01/2018 - 09/2018 29,455 12.36% 0.67% 11.70%
2007 18 - 20 06/2007 - 12/2007 46 12.52% 20.11% 1.06%
2008 18 - 20 01/2008 - 12/2008 186 12.57% 20.74% 0.51%
2009 18 - 20 01/2009 - 12/2009 415 12.77% 9.53% 5.38%
2010 18 - 20 01/2010 - 12/2010 1,090 12.32% 9.64% 5.45%
2011 18 - 20 01/2011 - 12/2011 2,009 12.92% 12.58% 5.19%
2012 18 - 20 01/2012 - 12/2012 4,877 14.01% 12.15% 6.22%
2013 18 - 20 01/2013 - 12/2013 11,887 14.77% 11.34% 7.81%
2014 18 - 20 01/2014 - 12/2014 20,862 13.73% 11.86% 6.28%
2015 18 - 20 01/2015 - 12/2015 34,978 12.44% 11.65% 4.69%
2016 18 - 20 01/2016 - 12/2016 36,173 12.78% 10.63% 5.10%
2017 18 - 20 01/2017 - 12/2017 36,070 13.10% 5.52% 8.62%
2018 18 - 20 01/2018 - 09/2018 27,765 12.60% 0.60% 12.01%
2007 20 - 23 07/2007 - 12/2007 39 13.75% 24.07% 2.51%
2008 20 - 23 01/2008 - 12/2008 254 13.03% 17.42% 1.18%
2009 20 - 23 01/2009 - 12/2009 543 12.96% 10.43% 4.56%
2010 20 - 23 01/2010 - 12/2010 1,447 12.52% 9.90% 5.65%
2011 20 - 23 01/2011 - 12/2011 2,568 13.01% 13.04% 4.75%
2012 20 - 23 01/2012 - 12/2012 6,596 14.17% 13.11% 6.01%
2013 20 - 23 01/2013 - 12/2013 15,856 14.92% 11.98% 7.56%
2014 20 - 23 01/2014 - 12/2014 27,542 13.93% 12.57% 6.06%
2015 20 - 23 01/2015 - 12/2015 47,968 12.68% 12.96% 4.20%
2016 20 - 23 01/2016 - 12/2016 49,458 13.19% 11.33% 5.08%
2017 20 - 23 01/2017 - 12/2017 49,529 13.51% 5.90% 8.60%
2018 20 - 23 01/2018 - 09/2018 37,702 12.94% 0.58% 12.41%
2007 23 - 26 09/2007 - 12/2007 24 14.32% 31.77% -0.50%
2008 23 - 26 01/2008 - 12/2008 149 14.38% 16.19% 4.27%
2009 23 - 26 01/2009 - 12/2009 290 12.77% 11.48% 4.16%
2010 23 - 26 01/2010 - 12/2010 800 12.65% 9.65% 5.71%
2011 23 - 26 01/2011 - 12/2011 1,479 12.56% 13.37% 4.11%
2012 23 - 26 01/2012 - 12/2012 4,967 14.22% 13.56% 5.75%
2013 23 - 26 01/2013 - 12/2013 13,024 14.99% 12.70% 6.99%
2014 23 - 26 01/2014 - 12/2014 23,317 14.17% 13.81% 5.54%
2015 23 - 26 01/2015 - 12/2015 41,445 12.97% 13.64% 3.91%
2016 23 - 26 01/2016 - 12/2016 42,241 13.56% 12.48% 4.65%
2017 23 - 26 01/2017 - 12/2017 42,353 13.81% 6.36% 8.56%
2018 23 - 26 01/2018 - 09/2018 31,529 13.32% 0.66% 12.79%
2007 26 - 30 10/2007 - 12/2007 12 15.48% 14.05% -3.81%
2008 26 - 30 01/2008 - 10/2008 94 16.25% 17.72% 5.84%
2011 26 - 30 01/2011 - 12/2011 520 9.66% 7.97% 4.34%
2012 26 - 30 01/2012 - 12/2012 4,001 14.23% 13.28% 5.68%
2013 26 - 30 01/2013 - 12/2013 12,617 15.32% 13.94% 6.65%
2014 26 - 30 01/2014 - 12/2014 23,594 14.41% 14.93% 4.99%
2015 26 - 30 01/2015 - 12/2015 43,778 13.24% 15.12% 3.31%
2016 26 - 30 01/2016 - 12/2016 45,071 13.96% 14.08% 3.97%
2017 26 - 30 01/2017 - 12/2017 44,755 14.16% 6.88% 8.49%
2018 26 - 30 01/2018 - 09/2018 32,760 13.70% 0.65% 13.22%
2012 30+ 06/2012 - 12/2012 2,471 14.66% 14.69% 5.43%
2013 30+ 01/2013 - 12/2013 7,056 16.12% 14.53% 7.19%
2014 30+ 01/2014 - 12/2014 18,603 15.63% 17.12% 5.19%
2015 30+ 01/2015 - 12/2015 53,116 14.59% 18.16% 2.86%
2016 30+ 01/2016 - 12/2016 48,473 15.73% 16.26% 4.19%
2017 30+ 01/2017 - 12/2017 50,433 15.26% 6.98% 9.53%
2018 30+ 01/2018 - 09/2018 50,514 14.55% 0.69% 14.13%
2007 9 - 12 06/2007 - 12/2007 96 11.39% 12.91% 2.64%
2008 9 - 12 01/2008 - 12/2008 335 11.56% 15.07% 2.06%
2009 9 - 12 01/2009 - 12/2009 750 12.43% 9.00% 5.70%
2010 9 - 12 01/2010 - 12/2010 1,804 11.78% 9.06% 5.44%
2011 9 - 12 01/2011 - 12/2011 3,012 12.04% 10.32% 5.43%
2012 9 - 12 01/2012 - 12/2012 6,367 13.25% 10.10% 6.62%
2013 9 - 12 01/2013 - 12/2013 15,883 13.93% 8.83% 8.27%
2014 9 - 12 01/2014 - 12/2014 26,049 13.11% 9.24% 7.18%
2015 9 - 12 01/2015 - 12/2015 42,198 11.71% 9.56% 5.42%
2016 9 - 12 01/2016 - 12/2016 44,631 11.94% 8.75% 5.60%
2017 9 - 12 01/2017 - 12/2017 46,107 12.29% 4.84% 8.30%
2018 9 - 12 01/2018 - 09/2018 37,980 11.62% 0.70% 10.83%