Lending Club Past Loan Performance by Employment Length

  • Lending Club Past Loan Performance with Employment Length

  • Net Annualized Return (NAR)

  • Loss Rate

Employment Length Origination Period Loan Count Borrower Rate Loss Rate NAR
1 year 06/2007 - 12/2018 150,221 13.18% 9.26% 6.63%
10+ years 06/2007 - 12/2018 752,693 13.01% 8.28% 7.38%
2 years 06/2007 - 12/2018 205,829 13.13% 8.97% 6.86%
3 years 06/2007 - 12/2018 182,735 13.12% 8.97% 6.85%
4 years 07/2007 - 12/2018 137,991 13.13% 8.79% 7.02%
5 years 07/2007 - 12/2018 140,913 13.15% 8.97% 6.93%
6 years 06/2007 - 12/2018 103,561 13.17% 8.87% 7.09%
7 years 07/2007 - 12/2018 93,537 13.21% 9.18% 6.93%
8 years 07/2007 - 12/2018 92,314 13.10% 9.81% 6.50%
9 years 06/2007 - 12/2018 80,243 13.08% 9.49% 6.60%
< 1 year 06/2007 - 12/2018 241,859 13.15% 10.58% 5.48%
n/a 01/2010 - 12/2018 78,339 12.95% 5.44% 8.21%
  • Lending Club Past Loan Performance with Employment Length and Vintage

Vintage Employment Length Origination Period Loan Count Interest Rate Loss Rate NAR
2007 1 year 06/2007 - 12/2007 122 12.00% 22.58% 0.42%
2008 1 year 01/2008 - 12/2008 314 12.01% 15.62% 1.09%
2009 1 year 01/2009 - 12/2009 726 12.56% 8.66% 5.69%
2010 1 year 01/2010 - 12/2010 864 12.16% 9.56% 5.13%
2011 1 year 01/2011 - 12/2011 1,569 12.25% 9.71% 5.07%
2012 1 year 01/2012 - 12/2012 3,651 13.35% 10.26% 6.70%
2013 1 year 01/2013 - 12/2013 7,783 14.63% 10.44% 7.73%
2014 1 year 01/2014 - 12/2014 14,594 13.56% 11.97% 5.97%
2015 1 year 01/2015 - 12/2015 27,474 12.68% 13.55% 3.78%
2016 1 year 01/2016 - 12/2016 29,170 13.24% 13.06% 4.11%
2017 1 year 01/2017 - 12/2017 30,270 13.48% 8.63% 6.99%
2018 1 year 01/2018 - 12/2018 33,684 12.86% 1.97% 11.06%
2007 10+ years 06/2007 - 12/2007 57 11.27% 25.43% -5.59%
2008 10+ years 01/2008 - 12/2008 447 12.03% 17.92% 1.11%
2009 10+ years 01/2009 - 12/2009 848 12.27% 10.26% 4.28%
2010 10+ years 01/2010 - 12/2010 2,666 11.86% 9.51% 5.28%
2011 10+ years 01/2011 - 12/2011 5,351 12.39% 12.15% 5.33%
2012 10+ years 01/2012 - 12/2012 15,396 13.91% 11.38% 6.94%
2013 10+ years 01/2013 - 12/2013 45,803 14.50% 10.27% 8.32%
2014 10+ years 01/2014 - 12/2014 79,507 13.87% 11.32% 7.10%
2015 10+ years 01/2015 - 12/2015 141,526 12.50% 11.96% 4.97%
2016 10+ years 01/2016 - 12/2016 150,004 12.88% 11.09% 5.28%
2017 10+ years 01/2017 - 12/2017 151,182 13.08% 6.99% 7.71%
2018 10+ years 01/2018 - 12/2018 159,906 12.63% 1.53% 11.24%
2007 2 years 06/2007 - 12/2007 78 12.13% 19.56% 2.15%
2008 2 years 01/2008 - 12/2008 289 12.26% 11.15% 5.54%
2009 2 years 01/2009 - 12/2009 726 12.54% 8.70% 5.88%
2010 2 years 01/2010 - 12/2010 1,542 12.13% 8.15% 5.65%
2011 2 years 01/2011 - 12/2011 2,108 12.24% 9.77% 5.59%
2012 2 years 01/2012 - 12/2012 4,906 13.43% 9.95% 6.43%
2013 2 years 01/2013 - 12/2013 11,240 14.51% 10.40% 7.77%
2014 2 years 01/2014 - 12/2014 20,487 13.63% 11.72% 6.21%
2015 2 years 01/2015 - 12/2015 37,502 12.63% 13.00% 4.31%
2016 2 years 01/2016 - 12/2016 39,612 13.13% 12.69% 4.48%
2017 2 years 01/2017 - 12/2017 42,213 13.37% 8.14% 7.14%
2018 2 years 01/2018 - 12/2018 45,126 12.79% 1.96% 11.06%
2007 3 years 06/2007 - 12/2007 45 12.19% 11.72% 3.94%
2008 3 years 01/2008 - 12/2008 210 12.56% 13.41% 3.56%
2009 3 years 01/2009 - 12/2009 510 12.42% 8.62% 6.17%
2010 3 years 01/2010 - 12/2010 1,498 12.07% 8.31% 5.88%
2011 3 years 01/2011 - 12/2011 2,101 12.15% 10.70% 5.00%
2012 3 years 01/2012 - 12/2012 3,872 13.50% 11.36% 6.03%
2013 3 years 01/2013 - 12/2013 10,095 14.50% 10.31% 7.87%
2014 3 years 01/2014 - 12/2014 18,268 13.62% 11.74% 6.26%
2015 3 years 01/2015 - 12/2015 33,430 12.61% 13.03% 4.28%
2016 3 years 01/2016 - 12/2016 34,746 13.13% 12.54% 4.39%
2017 3 years 01/2017 - 12/2017 36,844 13.37% 8.39% 7.07%
2018 3 years 01/2018 - 12/2018 41,116 12.82% 1.99% 11.07%
2007 4 years 07/2007 - 12/2007 32 12.14% 17.05% 0.73%
2008 4 years 01/2008 - 12/2008 174 11.81% 18.13% 1.27%
2009 4 years 01/2009 - 12/2009 428 12.54% 11.52% 3.90%
2010 4 years 01/2010 - 12/2010 1,114 12.31% 8.57% 6.41%
2011 4 years 01/2011 - 12/2011 1,901 12.30% 10.04% 5.61%
2012 4 years 01/2012 - 12/2012 3,962 13.63% 11.36% 6.19%
2013 4 years 01/2013 - 12/2013 6,885 14.59% 10.61% 7.92%
2014 4 years 01/2014 - 12/2014 13,528 13.64% 11.49% 6.46%
2015 4 years 01/2015 - 12/2015 24,508 12.66% 13.11% 4.24%
2016 4 years 01/2016 - 12/2016 25,826 13.14% 12.12% 4.81%
2017 4 years 01/2017 - 12/2017 28,116 13.37% 8.02% 7.28%
2018 4 years 01/2018 - 12/2018 31,517 12.77% 1.93% 11.08%
2007 5 years 07/2007 - 12/2007 19 12.02% 24.85% 6.28%
2008 5 years 01/2008 - 12/2008 122 11.91% 21.26% -1.02%
2009 5 years 01/2009 - 12/2009 345 12.60% 9.01% 7.32%
2010 5 years 01/2010 - 12/2010 1,104 11.78% 8.64% 5.74%
2011 5 years 01/2011 - 12/2011 1,868 12.28% 10.53% 5.13%
2012 5 years 01/2012 - 12/2012 4,543 13.60% 10.79% 6.49%
2013 5 years 01/2013 - 12/2013 9,727 14.56% 10.44% 7.85%
2014 5 years 01/2014 - 12/2014 13,051 13.73% 11.78% 6.20%
2015 5 years 01/2015 - 12/2015 24,931 12.60% 13.20% 4.16%
2016 5 years 01/2016 - 12/2016 26,495 13.19% 12.58% 4.71%
2017 5 years 01/2017 - 12/2017 27,740 13.31% 8.20% 7.14%
2018 5 years 01/2018 - 12/2018 30,968 12.75% 1.84% 11.14%
2007 6 years 06/2007 - 12/2007 22 12.14% 20.37% -1.06%
2008 6 years 01/2008 - 12/2008 132 12.47% 15.38% 2.80%
2009 6 years 01/2009 - 12/2009 224 12.20% 11.05% 4.45%
2010 6 years 01/2010 - 12/2010 605 11.93% 8.99% 5.78%
2011 6 years 01/2011 - 12/2011 1,392 12.28% 10.84% 4.98%
2012 6 years 01/2012 - 12/2012 3,743 13.60% 12.18% 5.91%
2013 6 years 01/2013 - 12/2013 8,175 14.52% 11.22% 7.51%
2014 6 years 01/2014 - 12/2014 11,821 13.81% 12.65% 6.05%
2015 6 years 01/2015 - 12/2015 16,839 12.70% 12.68% 4.53%
2016 6 years 01/2016 - 12/2016 18,659 13.10% 11.67% 5.04%
2017 6 years 01/2017 - 12/2017 19,781 13.23% 7.86% 7.40%
2018 6 years 01/2018 - 12/2018 22,168 12.75% 1.65% 11.30%
2007 7 years 07/2007 - 12/2007 15 11.10% 20.25% -1.30%
2008 7 years 01/2008 - 12/2008 86 12.22% 16.90% 2.68%
2009 7 years 01/2009 - 12/2009 194 12.32% 10.60% 3.60%
2010 7 years 01/2010 - 12/2010 525 12.04% 9.17% 4.25%
2011 7 years 01/2011 - 12/2011 1,055 12.43% 11.63% 5.80%
2012 7 years 01/2012 - 12/2012 3,037 13.87% 12.78% 6.12%
2013 7 years 01/2013 - 12/2013 8,174 14.67% 10.75% 7.96%
2014 7 years 01/2014 - 12/2014 13,099 13.79% 12.15% 6.37%
2015 7 years 01/2015 - 12/2015 18,414 12.71% 12.76% 4.61%
2016 7 years 01/2016 - 12/2016 14,207 13.00% 12.06% 4.66%
2017 7 years 01/2017 - 12/2017 16,550 13.24% 7.72% 7.25%
2018 7 years 01/2018 - 12/2018 18,181 12.75% 1.79% 11.05%
2007 8 years 07/2007 - 12/2007 13 12.24% 14.09% 0.16%
2008 8 years 01/2008 - 12/2008 93 11.97% 16.42% 2.39%
2009 8 years 01/2009 - 12/2009 186 12.28% 9.48% 4.82%
2010 8 years 01/2010 - 12/2010 478 11.86% 9.09% 5.80%
2011 8 years 01/2011 - 12/2011 822 12.15% 10.23% 5.60%
2012 8 years 01/2012 - 12/2012 2,285 13.69% 12.59% 6.19%
2013 8 years 01/2013 - 12/2013 6,667 14.51% 10.85% 7.91%
2014 8 years 01/2014 - 12/2014 11,853 13.79% 12.70% 6.09%
2015 8 years 01/2015 - 12/2015 21,561 12.63% 13.27% 4.26%
2016 8 years 01/2016 - 12/2016 18,775 12.99% 11.93% 4.73%
2017 8 years 01/2017 - 12/2017 13,598 13.25% 8.03% 7.13%
2018 8 years 01/2018 - 12/2018 15,983 12.67% 1.95% 10.94%
2007 9 years 06/2007 - 12/2007 16 12.23% 10.14% 2.11%
2008 9 years 01/2008 - 12/2008 49 12.44% 14.32% 3.31%
2009 9 years 01/2009 - 12/2009 184 12.07% 12.40% 5.38%
2010 9 years 01/2010 - 12/2010 405 11.98% 8.69% 6.11%
2011 9 years 01/2011 - 12/2011 687 12.06% 8.68% 5.89%
2012 9 years 01/2012 - 12/2012 1,907 13.87% 11.95% 6.19%
2013 9 years 01/2013 - 12/2013 5,219 14.48% 11.73% 7.52%
2014 9 years 01/2014 - 12/2014 9,424 13.84% 12.72% 5.86%
2015 9 years 01/2015 - 12/2015 16,770 12.64% 12.87% 4.30%
2016 9 years 01/2016 - 12/2016 16,887 13.03% 11.82% 4.85%
2017 9 years 01/2017 - 12/2017 15,825 13.11% 7.40% 7.54%
2018 9 years 01/2018 - 12/2018 12,870 12.56% 1.79% 11.03%
2007 < 1 year 06/2007 - 12/2007 184 11.55% 16.20% 2.75%
2008 < 1 year 01/2008 - 12/2008 477 11.76% 13.22% 3.25%
2009 < 1 year 01/2009 - 12/2009 910 12.50% 9.05% 4.84%
2010 < 1 year 01/2010 - 12/2010 1,383 12.04% 9.14% 5.61%
2011 < 1 year 01/2011 - 12/2011 2,108 12.09% 11.14% 4.78%
2012 < 1 year 01/2012 - 12/2012 4,140 13.39% 11.31% 5.65%
2013 < 1 year 01/2013 - 12/2013 11,706 14.53% 11.35% 7.11%
2014 < 1 year 01/2014 - 12/2014 29,997 13.81% 13.47% 5.08%
2015 < 1 year 01/2015 - 12/2015 57,516 12.65% 13.76% 3.25%
2016 < 1 year 01/2016 - 12/2016 53,350 13.07% 13.59% 3.17%
2017 < 1 year 01/2017 - 12/2017 41,170 13.36% 9.02% 6.21%
2018 < 1 year 01/2018 - 12/2018 38,918 12.98% 1.89% 11.08%
2010 n/a 01/2010 - 12/2010 353 11.10% 16.41% -1.04%
2011 n/a 01/2011 - 12/2011 759 10.94% 13.35% 0.85%
2012 n/a 01/2012 - 12/2012 1,925 12.82% 12.39% 3.53%
2013 n/a 01/2013 - 08/2013 3,340 14.60% 11.94% 6.34%
2015 n/a 10/2015 - 12/2015 624 13.08% 15.53% 1.04%
2016 n/a 01/2016 - 12/2016 6,676 13.65% 14.17% 3.22%
2017 n/a 01/2017 - 12/2017 20,290 13.23% 9.44% 5.61%
2018 n/a 01/2018 - 12/2018 44,372 12.64% 1.83% 10.80%