Lending Club Past Loan Performance by Home Ownership

  • Lending Club Past Loan Performance with Home Ownership

  • Net Annualized Return (NAR)

  • Loss Rate

Home Ownership Origination Period Loan Count Borrower Rate Loss Rate NAR
ANY 07/2015 - 09/2018 662 13.21% 5.48% 8.93%
MORTGAGE 06/2007 - 09/2018 1,046,356 12.76% 7.34% 7.71%
NONE 06/2007 - 07/2017 51 14.44% 10.29% 9.09%
OTHER 03/2008 - 12/2012 182 13.46% 13.46% 4.87%
OWN 06/2007 - 09/2018 237,232 13.11% 8.32% 7.10%
RENT 06/2007 - 09/2018 847,494 13.52% 9.94% 6.64%
  • Lending Club Past Loan Performance with Home Ownership and Vintage

Vintage Home Ownership Origination Period Loan Count Interest Rate Loss Rate NAR
2015 ANY 07/2015 - 12/2015 2 15.52% 0.00% 15.97%
2016 ANY 07/2016 - 12/2016 110 12.52% 7.46% 5.70%
2017 ANY 01/2017 - 10/2017 395 13.33% 6.92% 7.93%
2018 ANY 01/2018 - 09/2018 155 13.38% 0.00% 13.67%
2007 MORTGAGE 06/2007 - 12/2007 206 11.75% 23.22% -0.22%
2008 MORTGAGE 01/2008 - 12/2008 931 12.17% 18.93% 0.35%
2009 MORTGAGE 01/2009 - 12/2009 2,048 12.10% 9.69% 5.39%
2010 MORTGAGE 01/2010 - 12/2010 5,617 11.68% 8.49% 5.79%
2011 MORTGAGE 01/2011 - 12/2011 10,157 12.03% 10.38% 5.71%
2012 MORTGAGE 01/2012 - 12/2012 24,947 13.54% 10.86% 6.85%
2013 MORTGAGE 01/2013 - 12/2013 72,065 13.92% 9.73% 8.02%
2014 MORTGAGE 01/2014 - 12/2014 119,937 13.60% 10.68% 7.15%
2015 MORTGAGE 01/2015 - 12/2015 207,683 12.32% 10.72% 5.40%
2016 MORTGAGE 01/2016 - 12/2016 211,516 12.64% 9.36% 5.94%
2017 MORTGAGE 01/2017 - 12/2017 216,489 12.84% 4.80% 8.87%
2018 MORTGAGE 01/2018 - 09/2018 174,760 12.28% 0.52% 11.78%
2007 NONE 06/2007 - 12/2007 7 9.33% 30.50% -2.10%
2008 NONE 01/2008 - 01/2008 1 7.75% 0.00% 7.28%
2012 NONE 11/2012 - 12/2012 42 15.49% 9.09% 10.90%
2017 NONE 07/2017 - 07/2017 1 12.62% 0.00% 12.96%
2008 OTHER 03/2008 - 12/2008 47 12.29% 8.39% 6.60%
2009 OTHER 01/2009 - 11/2009 85 12.98% 14.44% 3.09%
2010 OTHER 01/2010 - 01/2010 3 12.97% 55.88% -27.08%
2011 OTHER 06/2011 - 06/2011 1 16.49% 24.96% 7.03%
2012 OTHER 02/2012 - 12/2012 46 15.51% 12.22% 8.45%
2007 OWN 06/2007 - 12/2007 52 11.77% 18.92% 0.25%
2008 OWN 01/2008 - 12/2008 148 11.43% 13.56% 4.16%
2009 OWN 01/2009 - 12/2009 472 12.45% 6.22% 5.66%
2010 OWN 01/2010 - 12/2010 963 11.63% 10.33% 4.46%
2011 OWN 01/2011 - 12/2011 1,616 11.99% 11.92% 4.33%
2012 OWN 01/2012 - 12/2012 4,203 13.41% 11.55% 5.66%
2013 OWN 01/2013 - 12/2013 11,251 14.80% 10.58% 8.12%
2014 OWN 01/2014 - 12/2014 23,008 13.89% 11.95% 6.32%
2015 OWN 01/2015 - 12/2015 45,766 12.66% 12.63% 4.22%
2016 OWN 01/2016 - 12/2016 53,037 13.05% 11.07% 4.95%
2017 OWN 01/2017 - 12/2017 51,604 13.33% 6.05% 8.24%
2018 OWN 01/2018 - 09/2018 45,112 12.65% 0.81% 11.71%
2007 RENT 06/2007 - 12/2007 338 11.93% 15.15% 2.27%
2008 RENT 01/2008 - 12/2008 1,266 12.05% 12.76% 3.60%
2009 RENT 01/2009 - 12/2009 2,676 12.67% 10.05% 5.00%
2010 RENT 01/2010 - 12/2010 5,954 12.33% 9.51% 5.23%
2011 RENT 01/2011 - 12/2011 9,947 12.45% 11.58% 4.67%
2012 RENT 01/2012 - 12/2012 24,129 13.77% 12.00% 5.86%
2013 RENT 01/2013 - 12/2013 51,498 15.33% 12.16% 7.61%
2014 RENT 01/2014 - 12/2014 92,684 13.96% 13.73% 5.35%
2015 RENT 01/2015 - 12/2015 167,644 12.93% 14.86% 3.29%
2016 RENT 01/2016 - 12/2016 169,744 13.54% 13.51% 4.17%
2017 RENT 01/2017 - 12/2017 175,090 13.72% 6.96% 8.26%
2018 RENT 01/2018 - 09/2018 146,524 13.12% 0.93% 12.28%