Lending Club Past Loan Performance by Interest Rate

  • Lending Club Past Loan Performance with Interest Rate

  • Net Annualized Return (NAR)

  • Loss Rate

Interest Rate Range Origination Period Loan Count Interest Rate Loss Rate NAR
11 - 13 06/2007 - 12/2018 392,201 12.09% 6.76% 6.90%
13 - 14 06/2007 - 12/2018 194,697 13.61% 9.40% 6.84%
14 - 15 06/2007 - 12/2018 149,378 14.48% 9.54% 7.64%
15 - 17 07/2007 - 12/2018 259,895 15.95% 11.12% 8.23%
17 - 20 07/2007 - 12/2018 238,825 18.48% 16.17% 7.81%
20 - 24 02/2009 - 12/2018 116,690 21.82% 19.30% 9.44%
24 - 30 06/2011 - 12/2018 60,422 26.05% 23.79% 9.80%
30+ 05/2016 - 12/2018 8,839 30.71% 24.55% 11.04%
5 - 7 02/2008 - 12/2018 185,965 6.14% 1.26% 4.44%
7 - 9 06/2007 - 12/2018 303,791 7.90% 2.69% 5.27%
9 - 11 06/2007 - 12/2018 349,532 10.15% 4.47% 6.41%
  • Lending Club Past Loan Performance with Interest Rate and Vintage

Vintage Interest Rate Range Origination Period Loan Count Interest Rate Loss Rate NAR
2007 11 - 13 06/2007 - 12/2007 125 11.99% 20.48% -0.58%
2008 11 - 13 01/2008 - 12/2008 737 11.93% 16.65% 2.01%
2009 11 - 13 01/2009 - 12/2009 1,819 12.07% 8.30% 5.14%
2010 11 - 13 01/2010 - 12/2010 2,048 11.87% 8.49% 5.03%
2011 11 - 13 01/2011 - 12/2011 3,711 12.12% 9.31% 5.66%
2012 11 - 13 01/2012 - 12/2012 8,001 11.87% 6.94% 6.50%
2013 11 - 13 01/2013 - 12/2013 20,501 11.99% 5.69% 7.71%
2014 11 - 13 01/2014 - 12/2014 41,260 12.38% 7.64% 7.04%
2015 11 - 13 01/2015 - 12/2015 78,042 12.16% 10.23% 5.19%
2016 11 - 13 01/2016 - 12/2016 85,341 12.04% 9.45% 5.04%
2017 11 - 13 01/2017 - 12/2017 78,562 12.09% 5.91% 7.18%
2018 11 - 13 01/2018 - 12/2018 72,054 11.96% 1.33% 10.61%
2007 13 - 14 06/2007 - 12/2007 56 13.43% 23.11% 1.53%
2008 13 - 14 01/2008 - 12/2008 297 13.50% 17.12% 2.05%
2009 13 - 14 01/2009 - 12/2009 781 13.51% 10.61% 4.89%
2010 13 - 14 01/2010 - 12/2010 1,716 13.55% 9.32% 6.82%
2011 13 - 14 01/2011 - 12/2011 1,612 13.53% 11.66% 5.27%
2012 13 - 14 01/2012 - 12/2012 5,841 13.37% 9.82% 6.47%
2013 13 - 14 01/2013 - 12/2013 10,752 13.37% 7.40% 8.07%
2014 13 - 14 01/2014 - 12/2014 22,355 13.67% 10.37% 6.69%
2015 13 - 14 01/2015 - 12/2015 47,117 13.62% 13.24% 4.77%
2016 13 - 14 01/2016 - 12/2016 41,107 13.72% 11.59% 5.31%
2017 13 - 14 01/2017 - 12/2017 35,836 13.66% 7.87% 7.39%
2018 13 - 14 01/2018 - 12/2018 27,227 13.49% 1.76% 11.91%
2007 14 - 15 06/2007 - 12/2007 66 14.38% 21.04% 1.49%
2008 14 - 15 01/2008 - 12/2008 202 14.50% 18.95% 0.34%
2009 14 - 15 01/2009 - 12/2009 588 14.49% 10.92% 6.21%
2010 14 - 15 01/2010 - 12/2010 1,104 14.59% 10.11% 6.19%
2011 14 - 15 01/2011 - 12/2011 1,229 14.53% 12.63% 5.11%
2012 14 - 15 01/2012 - 12/2012 5,841 14.29% 8.89% 7.36%
2013 14 - 15 01/2013 - 12/2013 10,258 14.33% 8.44% 8.49%
2014 14 - 15 01/2014 - 12/2014 25,874 14.64% 12.39% 6.77%
2015 14 - 15 01/2015 - 12/2015 21,494 14.61% 14.71% 4.78%
2016 14 - 15 01/2016 - 12/2016 25,504 14.61% 13.55% 5.02%
2017 14 - 15 01/2017 - 12/2017 28,138 14.39% 8.16% 7.99%
2018 14 - 15 01/2018 - 12/2018 29,080 14.29% 2.02% 12.53%
2007 15 - 17 07/2007 - 12/2007 60 15.73% 33.78% -6.89%
2008 15 - 17 01/2008 - 12/2008 210 15.74% 20.55% 3.36%
2009 15 - 17 01/2009 - 12/2009 591 15.80% 13.93% 5.18%
2010 15 - 17 01/2010 - 12/2010 1,741 15.92% 13.74% 5.38%
2011 15 - 17 01/2011 - 12/2011 2,632 16.04% 15.06% 6.13%
2012 15 - 17 01/2012 - 12/2012 6,225 15.76% 11.82% 6.95%
2013 15 - 17 01/2013 - 12/2013 23,106 15.83% 11.49% 8.57%
2014 15 - 17 01/2014 - 12/2014 31,459 16.10% 15.07% 6.77%
2015 15 - 17 01/2015 - 12/2015 41,179 16.23% 18.57% 4.13%
2016 15 - 17 01/2016 - 12/2016 37,458 16.02% 15.54% 4.96%
2017 15 - 17 01/2017 - 12/2017 55,195 15.80% 10.03% 8.15%
2018 15 - 17 01/2018 - 12/2018 60,039 15.83% 2.12% 14.19%
2007 17 - 20 07/2007 - 12/2007 27 17.55% 35.35% 0.66%
2008 17 - 20 01/2008 - 12/2008 102 17.97% 26.57% 0.95%
2009 17 - 20 01/2009 - 12/2009 195 18.12% 21.34% 3.60%
2010 17 - 20 01/2010 - 12/2010 736 18.03% 20.18% 5.43%
2011 17 - 20 01/2011 - 12/2011 2,347 18.34% 17.89% 6.33%
2012 17 - 20 01/2012 - 12/2012 8,538 18.39% 15.84% 7.80%
2013 17 - 20 01/2013 - 12/2013 23,166 18.30% 15.40% 8.72%
2014 17 - 20 01/2014 - 12/2014 28,833 18.51% 19.97% 6.49%
2015 17 - 20 01/2015 - 12/2015 49,890 18.37% 23.87% 2.77%
2016 17 - 20 01/2016 - 12/2016 42,997 18.73% 20.26% 4.52%
2017 17 - 20 01/2017 - 12/2017 36,164 18.32% 12.62% 8.67%
2018 17 - 20 01/2018 - 12/2018 45,830 18.60% 3.20% 16.23%
2009 20 - 24 02/2009 - 12/2009 28 20.56% 19.23% 8.45%
2010 20 - 24 01/2010 - 12/2010 123 20.74% 22.37% 4.70%
2011 20 - 24 01/2011 - 12/2011 782 21.24% 26.41% 4.12%
2012 20 - 24 01/2012 - 12/2012 4,096 21.88% 22.94% 8.13%
2013 20 - 24 01/2013 - 12/2013 13,196 21.86% 21.91% 9.09%
2014 20 - 24 01/2014 - 12/2014 13,086 21.59% 25.70% 6.21%
2015 20 - 24 01/2015 - 12/2015 13,257 22.03% 31.13% 1.53%
2016 20 - 24 01/2016 - 12/2016 21,192 22.05% 25.35% 4.29%
2017 20 - 24 01/2017 - 12/2017 22,375 21.78% 15.79% 9.85%
2018 20 - 24 01/2018 - 12/2018 28,555 21.66% 4.25% 18.61%
2011 24 - 30 06/2011 - 12/2011 5 24.26% 29.99% 3.47%
2012 24 - 30 01/2012 - 12/2012 237 24.64% 29.94% 5.59%
2013 24 - 30 01/2013 - 12/2013 2,813 24.90% 27.26% 8.64%
2014 24 - 30 01/2014 - 12/2014 5,789 25.02% 31.71% 4.97%
2015 24 - 30 01/2015 - 12/2015 5,205 25.85% 39.31% -1.97%
2016 24 - 30 01/2016 - 12/2016 15,740 26.09% 32.92% 2.19%
2017 24 - 30 01/2017 - 12/2017 15,010 26.46% 21.14% 10.47%
2018 24 - 30 01/2018 - 12/2018 15,623 26.30% 5.69% 22.80%
2016 30+ 05/2016 - 12/2016 788 30.77% 37.63% 2.43%
2017 30+ 01/2017 - 12/2017 6,300 30.72% 27.52% 8.03%
2018 30+ 01/2018 - 12/2018 1,751 30.61% 7.23% 25.76%
2008 5 - 7 02/2008 - 12/2008 5 6.00% 0.00% 8.77%
2009 5 - 7 04/2009 - 11/2009 2 6.00% 0.00% 9.23%
2010 5 - 7 01/2010 - 12/2010 1,156 6.41% 2.36% 3.91%
2011 5 - 7 01/2011 - 12/2011 2,668 6.20% 2.38% 3.35%
2012 5 - 7 01/2012 - 12/2012 3,363 6.32% 2.56% 3.51%
2013 5 - 7 01/2013 - 12/2013 5,132 6.35% 1.39% 4.63%
2014 5 - 7 01/2014 - 12/2014 11,317 6.33% 1.73% 4.44%
2015 5 - 7 01/2015 - 12/2015 39,009 6.25% 1.98% 4.13%
2016 5 - 7 01/2016 - 12/2016 35,507 6.01% 2.05% 3.63%
2017 5 - 7 01/2017 - 12/2017 25,973 5.81% 1.02% 4.22%
2018 5 - 7 01/2018 - 12/2018 61,833 6.20% 0.40% 5.28%
2007 7 - 9 06/2007 - 12/2007 94 7.92% 2.54% 4.99%
2008 7 - 9 01/2008 - 12/2008 251 8.09% 3.38% 5.64%
2009 7 - 9 01/2009 - 12/2009 835 8.27% 3.14% 5.25%
2010 7 - 9 01/2010 - 12/2010 1,816 7.74% 2.62% 4.89%
2011 7 - 9 01/2011 - 12/2011 3,128 7.90% 3.75% 3.84%
2012 7 - 9 01/2012 - 12/2012 7,556 8.18% 4.28% 4.02%
2013 7 - 9 01/2013 - 12/2013 12,005 8.27% 2.77% 5.68%
2014 7 - 9 01/2014 - 12/2014 26,393 8.03% 3.08% 5.22%
2015 7 - 9 01/2015 - 12/2015 56,559 7.92% 4.01% 4.61%
2016 7 - 9 01/2016 - 12/2016 59,957 8.08% 4.21% 4.36%
2017 7 - 9 01/2017 - 12/2017 61,893 7.63% 2.37% 5.05%
2018 7 - 9 01/2018 - 12/2018 73,304 7.82% 0.52% 6.85%
2007 9 - 11 06/2007 - 12/2007 175 10.11% 11.89% 3.06%
2008 9 - 11 01/2008 - 12/2008 589 10.07% 10.68% 2.37%
2009 9 - 11 01/2009 - 08/2009 442 9.74% 6.23% 4.84%
2010 9 - 11 01/2010 - 12/2010 2,097 10.30% 5.83% 5.58%
2011 9 - 11 01/2011 - 12/2011 3,607 10.42% 5.25% 5.68%
2012 9 - 11 01/2012 - 12/2012 3,669 10.23% 6.29% 4.79%
2013 9 - 11 01/2013 - 12/2013 13,885 10.25% 4.33% 6.74%
2014 9 - 11 01/2014 - 12/2014 29,263 10.19% 5.19% 6.27%
2015 9 - 11 01/2015 - 12/2015 69,343 10.06% 6.80% 5.19%
2016 9 - 11 01/2016 - 12/2016 68,816 10.12% 6.60% 4.92%
2017 9 - 11 01/2017 - 12/2017 78,133 10.17% 3.74% 6.73%
2018 9 - 11 01/2018 - 12/2018 79,513 10.20% 1.36% 8.63%