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 - 09/2018 141,108 13.20% 8.79% 6.94%
10+ years 06/2007 - 09/2018 713,935 13.02% 7.86% 7.63%
2 years 06/2007 - 09/2018 194,880 13.14% 8.50% 7.16%
3 years 06/2007 - 09/2018 172,589 13.13% 8.48% 7.15%
4 years 07/2007 - 09/2018 130,462 13.14% 8.35% 7.30%
5 years 07/2007 - 09/2018 133,137 13.16% 8.53% 7.19%
6 years 06/2007 - 09/2018 98,104 13.19% 8.49% 7.34%
7 years 07/2007 - 09/2018 89,113 13.22% 8.83% 7.17%
8 years 07/2007 - 09/2018 88,233 13.11% 9.46% 6.72%
9 years 06/2007 - 09/2018 77,423 13.09% 8.95% 6.91%
< 1 year 06/2007 - 09/2018 231,714 13.15% 10.16% 5.72%
n/a 01/2010 - 09/2018 61,279 13.01% 5.23% 8.54%
  • 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% 7.72%
2014 1 year 01/2014 - 12/2014 14,594 13.56% 11.90% 5.98%
2015 1 year 01/2015 - 12/2015 27,474 12.68% 13.30% 3.83%
2016 1 year 01/2016 - 12/2016 29,170 13.24% 12.22% 4.49%
2017 1 year 01/2017 - 12/2017 30,270 13.48% 6.19% 8.53%
2018 1 year 01/2018 - 09/2018 24,571 12.81% 0.72% 12.05%
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% 6.93%
2013 10+ years 01/2013 - 12/2013 45,803 14.50% 10.26% 8.31%
2014 10+ years 01/2014 - 12/2014 79,507 13.87% 11.23% 7.11%
2015 10+ years 01/2015 - 12/2015 141,526 12.50% 11.65% 5.04%
2016 10+ years 01/2016 - 12/2016 150,004 12.88% 10.31% 5.62%
2017 10+ years 01/2017 - 12/2017 151,182 13.08% 5.08% 8.90%
2018 10+ years 01/2018 - 09/2018 121,148 12.52% 0.59% 11.97%
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% 7.76%
2014 2 years 01/2014 - 12/2014 20,487 13.63% 11.65% 6.22%
2015 2 years 01/2015 - 12/2015 37,502 12.63% 12.77% 4.35%
2016 2 years 01/2016 - 12/2016 39,612 13.13% 11.89% 4.84%
2017 2 years 01/2017 - 12/2017 42,213 13.37% 5.95% 8.51%
2018 2 years 01/2018 - 09/2018 34,177 12.76% 0.85% 11.95%
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% 4.99%
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% 11.67% 6.26%
2015 3 years 01/2015 - 12/2015 33,430 12.61% 12.78% 4.32%
2016 3 years 01/2016 - 12/2016 34,746 13.13% 11.71% 4.77%
2017 3 years 01/2017 - 12/2017 36,844 13.37% 6.15% 8.45%
2018 3 years 01/2018 - 09/2018 30,970 12.76% 0.78% 12.03%
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% 10.60% 7.91%
2014 4 years 01/2014 - 12/2014 13,528 13.64% 11.44% 6.46%
2015 4 years 01/2015 - 12/2015 24,508 12.66% 12.78% 4.31%
2016 4 years 01/2016 - 12/2016 25,826 13.14% 11.35% 5.15%
2017 4 years 01/2017 - 12/2017 28,116 13.37% 6.06% 8.55%
2018 4 years 01/2018 - 09/2018 23,988 12.72% 0.81% 11.98%
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% 7.84%
2014 5 years 01/2014 - 12/2014 13,051 13.73% 11.72% 6.21%
2015 5 years 01/2015 - 12/2015 24,931 12.61% 12.91% 4.22%
2016 5 years 01/2016 - 12/2016 26,495 13.19% 11.79% 5.04%
2017 5 years 01/2017 - 12/2017 27,740 13.31% 6.06% 8.44%
2018 5 years 01/2018 - 09/2018 23,192 12.69% 0.65% 12.04%
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% 11.21% 7.50%
2014 6 years 01/2014 - 12/2014 11,821 13.81% 12.59% 6.04%
2015 6 years 01/2015 - 12/2015 16,839 12.70% 12.34% 4.60%
2016 6 years 01/2016 - 12/2016 18,659 13.10% 10.83% 5.41%
2017 6 years 01/2017 - 12/2017 19,781 13.23% 5.79% 8.71%
2018 6 years 01/2018 - 09/2018 16,711 12.71% 0.72% 12.11%
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% 12.07% 6.38%
2015 7 years 01/2015 - 12/2015 18,414 12.71% 12.46% 4.67%
2016 7 years 01/2016 - 12/2016 14,207 13.00% 11.24% 5.04%
2017 7 years 01/2017 - 12/2017 16,550 13.24% 5.80% 8.50%
2018 7 years 01/2018 - 09/2018 13,757 12.69% 0.69% 11.94%
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% 12.65% 6.09%
2015 8 years 01/2015 - 12/2015 21,561 12.63% 12.93% 4.33%
2016 8 years 01/2016 - 12/2016 18,775 12.99% 11.21% 5.07%
2017 8 years 01/2017 - 12/2017 13,598 13.25% 5.87% 8.45%
2018 8 years 01/2018 - 09/2018 11,902 12.60% 0.76% 11.92%
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% 7.51%
2014 9 years 01/2014 - 12/2014 9,424 13.84% 12.65% 5.86%
2015 9 years 01/2015 - 12/2015 16,770 12.64% 12.52% 4.38%
2016 9 years 01/2016 - 12/2016 16,887 13.04% 10.91% 5.25%
2017 9 years 01/2017 - 12/2017 15,825 13.11% 5.44% 8.73%
2018 9 years 01/2018 - 09/2018 10,050 12.48% 0.65% 11.98%
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% 11.34% 7.11%
2014 < 1 year 01/2014 - 12/2014 29,997 13.80% 13.39% 5.09%
2015 < 1 year 01/2015 - 12/2015 57,516 12.65% 13.51% 3.29%
2016 < 1 year 01/2016 - 12/2016 53,350 13.07% 12.69% 3.56%
2017 < 1 year 01/2017 - 12/2017 41,170 13.36% 6.71% 7.65%
2018 < 1 year 01/2018 - 09/2018 28,773 12.92% 0.71% 12.12%
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% 15.01% 1.18%
2016 n/a 01/2016 - 12/2016 6,676 13.65% 12.87% 3.81%
2017 n/a 01/2017 - 12/2017 20,290 13.23% 6.69% 7.47%
2018 n/a 01/2018 - 09/2018 27,312 12.59% 0.97% 11.61%