Lending Club Past Loan Performance by Credit Grade

  • Lending Club Past Loan Performance with Credit Grade

  • Net Annualized Return (NAR)

  • Loss Rate

Credit Grade Origination Period Loan Count Borrower Rate Loss Rate NAR
A 06/2007 - 09/2018 394,916 7.05% 1.75% 5.02%
B 06/2007 - 09/2018 627,630 10.64% 4.55% 6.86%
C 06/2007 - 09/2018 618,970 14.09% 8.37% 7.96%
D 06/2007 - 09/2018 307,309 18.06% 13.40% 8.88%
E 06/2007 - 09/2018 129,672 21.68% 20.83% 7.95%
F 07/2007 - 09/2018 41,413 25.42% 27.75% 6.46%
G 07/2007 - 09/2018 12,067 28.05% 30.24% 5.28%
  • Lending Club Past Loan Performance with Credit Grade and Vintage

Vintage Credit Grade Origination Period Loan Count Interest Rate Loss Rate NAR
2007 A 06/2007 - 12/2007 78 7.76% 0.82% 5.93%
2008 A 01/2008 - 12/2008 318 8.36% 3.50% 5.39%
2009 A 01/2009 - 12/2009 1,203 8.64% 3.97% 5.18%
2010 A 01/2010 - 12/2010 2,830 7.15% 2.26% 4.59%
2011 A 01/2011 - 12/2011 5,754 7.11% 3.18% 3.59%
2012 A 01/2012 - 12/2012 10,901 7.61% 3.82% 3.85%
2013 A 01/2013 - 12/2013 17,679 7.74% 2.40% 5.40%
2014 A 01/2014 - 12/2014 36,108 7.47% 2.61% 4.96%
2015 A 01/2015 - 12/2015 73,336 6.94% 2.67% 4.37%
2016 A 01/2016 - 12/2016 70,847 6.89% 2.68% 4.10%
2017 A 01/2017 - 12/2017 78,796 6.96% 1.23% 5.21%
2018 A 01/2018 - 09/2018 97,066 6.93% 0.22% 6.20%
2007 B 06/2007 - 12/2007 98 9.42% 11.85% 2.30%
2008 B 01/2008 - 12/2008 594 10.37% 11.20% 2.44%
2009 B 01/2009 - 12/2009 1,445 11.79% 8.12% 5.09%
2010 B 01/2010 - 12/2010 3,687 10.74% 6.73% 5.40%
2011 B 01/2011 - 12/2011 6,565 11.08% 7.03% 5.68%
2012 B 01/2012 - 12/2012 18,507 12.15% 7.58% 6.35%
2013 B 01/2013 - 12/2013 44,116 11.81% 5.68% 7.52%
2014 B 01/2014 - 12/2014 61,935 11.19% 6.04% 6.75%
2015 B 01/2015 - 12/2015 117,606 10.04% 6.70% 5.14%
2016 B 01/2016 - 12/2016 134,512 10.24% 6.25% 5.18%
2017 B 01/2017 - 12/2017 133,127 10.56% 3.03% 7.60%
2018 B 01/2018 - 09/2018 105,438 10.77% 0.49% 10.05%
2007 C 06/2007 - 12/2007 141 10.85% 15.23% 1.57%
2008 C 01/2008 - 12/2008 580 11.83% 14.64% 2.43%
2009 C 01/2009 - 12/2009 1,348 13.32% 10.34% 5.07%
2010 C 01/2010 - 12/2010 2,729 13.49% 9.39% 6.22%
2011 C 01/2011 - 12/2011 3,942 13.91% 12.13% 5.34%
2012 C 01/2012 - 12/2012 11,875 15.27% 11.10% 7.05%
2013 C 01/2013 - 12/2013 38,134 15.54% 11.12% 8.50%
2014 C 01/2014 - 12/2014 66,565 14.15% 11.24% 6.82%
2015 C 01/2015 - 12/2015 120,567 13.30% 12.23% 4.96%
2016 C 01/2016 - 12/2016 132,178 13.80% 11.21% 5.54%
2017 C 01/2017 - 12/2017 145,144 14.24% 5.86% 9.31%
2018 C 01/2018 - 09/2018 95,767 14.58% 0.80% 13.92%
2007 D 06/2007 - 12/2007 99 12.55% 19.59% 0.37%
2008 D 01/2008 - 12/2008 419 13.36% 21.00% 0.80%
2009 D 01/2009 - 12/2009 817 14.93% 11.88% 5.94%
2010 D 01/2010 - 12/2010 1,885 15.29% 12.03% 5.41%
2011 D 01/2011 - 12/2011 2,796 16.39% 15.66% 6.04%
2012 D 01/2012 - 12/2012 7,323 18.41% 15.59% 7.82%
2013 D 01/2013 - 12/2013 20,569 18.69% 15.69% 8.90%
2014 D 01/2014 - 12/2014 42,992 17.12% 17.06% 6.65%
2015 D 01/2015 - 12/2015 62,654 16.72% 19.17% 4.00%
2016 D 01/2016 - 12/2016 59,178 18.27% 17.73% 5.43%
2017 D 01/2017 - 12/2017 56,646 18.76% 9.62% 11.06%
2018 D 01/2018 - 09/2018 51,931 19.43% 1.34% 18.74%
2007 E 06/2007 - 12/2007 100 14.13% 21.83% 1.70%
2008 E 01/2008 - 12/2008 285 14.81% 16.50% 2.93%
2009 E 01/2009 - 12/2009 308 16.49% 15.39% 4.26%
2010 E 01/2010 - 12/2010 962 16.92% 16.83% 5.80%
2011 E 01/2011 - 12/2011 1,739 18.38% 18.46% 6.16%
2012 E 01/2012 - 12/2012 3,185 21.05% 21.71% 7.83%
2013 E 01/2013 - 12/2013 9,059 21.73% 21.24% 9.27%
2014 E 01/2014 - 12/2014 20,121 20.36% 24.02% 5.82%
2015 E 01/2015 - 12/2015 34,948 19.29% 25.48% 2.45%
2016 E 01/2016 - 12/2016 25,807 22.43% 24.68% 4.60%
2017 E 01/2017 - 12/2017 20,167 24.71% 14.90% 13.01%
2018 E 01/2018 - 09/2018 12,991 25.19% 2.14% 24.63%
2007 F 07/2007 - 12/2007 52 15.58% 34.20% -6.66%
2008 F 01/2008 - 12/2008 111 16.29% 29.22% -1.52%
2009 F 01/2009 - 12/2009 105 18.24% 22.21% 4.68%
2010 F 01/2010 - 12/2010 311 18.69% 22.30% 5.27%
2011 F 01/2011 - 12/2011 722 20.38% 23.88% 5.37%
2012 F 01/2012 - 12/2012 1,315 23.07% 25.45% 7.68%
2013 F 01/2013 - 12/2013 4,393 23.97% 26.81% 7.93%
2014 F 01/2014 - 12/2014 6,223 24.24% 29.22% 6.22%
2015 F 01/2015 - 12/2015 9,817 23.61% 34.34% 0.12%
2016 F 01/2016 - 12/2016 9,334 25.83% 33.17% 1.41%
2017 F 01/2017 - 12/2017 6,242 29.77% 20.82% 13.08%
2018 F 01/2018 - 09/2018 2,788 29.49% 2.41% 29.56%
2007 G 07/2007 - 12/2007 35 17.36% 34.32% -1.41%
2008 G 01/2008 - 12/2008 86 18.11% 25.31% 2.83%
2009 G 01/2009 - 12/2009 55 20.01% 20.19% 5.14%
2010 G 01/2010 - 12/2010 133 20.66% 22.78% 4.49%
2011 G 01/2011 - 12/2011 203 21.88% 24.86% 4.60%
2012 G 01/2012 - 12/2012 261 24.50% 29.85% 5.38%
2013 G 01/2013 - 12/2013 864 25.51% 28.09% 8.61%
2014 G 01/2014 - 12/2014 1,685 25.86% 34.81% 3.30%
2015 G 01/2015 - 12/2015 2,167 26.84% 39.33% -1.85%
2016 G 01/2016 - 12/2016 2,551 28.84% 38.34% -0.92%
2017 G 01/2017 - 12/2017 3,457 30.87% 22.83% 10.50%
2018 G 01/2018 - 09/2018 570 30.81% 2.58% 30.43%