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 - 09/2018 370,367 12.10% 6.40% 7.12%
13 - 14 06/2007 - 09/2018 187,738 13.61% 8.77% 7.17%
14 - 15 06/2007 - 09/2018 143,290 14.48% 8.82% 8.07%
15 - 17 07/2007 - 09/2018 241,995 15.95% 10.50% 8.55%
17 - 20 07/2007 - 09/2018 226,893 18.46% 15.42% 8.19%
20 - 24 02/2009 - 09/2018 109,722 21.81% 18.37% 10.04%
24 - 30 06/2011 - 09/2018 56,062 26.05% 22.09% 10.69%
30+ 05/2016 - 09/2018 8,616 30.71% 19.38% 14.70%
5 - 7 02/2008 - 09/2018 174,284 6.12% 1.18% 4.49%
7 - 9 06/2007 - 09/2018 277,414 7.89% 2.60% 5.32%
9 - 11 06/2007 - 09/2018 335,596 10.14% 3.97% 6.73%
  • 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% 7.70%
2014 11 - 13 01/2014 - 12/2014 41,260 12.38% 7.57% 7.05%
2015 11 - 13 01/2015 - 12/2015 78,042 12.16% 9.96% 5.23%
2016 11 - 13 01/2016 - 12/2016 85,341 12.04% 8.60% 5.48%
2017 11 - 13 01/2017 - 12/2017 78,562 12.09% 4.17% 8.31%
2018 11 - 13 01/2018 - 09/2018 50,220 11.96% 0.60% 11.27%
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% 8.06%
2014 13 - 14 01/2014 - 12/2014 22,356 13.67% 10.27% 6.71%
2015 13 - 14 01/2015 - 12/2015 47,116 13.62% 12.76% 4.87%
2016 13 - 14 01/2016 - 12/2016 41,108 13.72% 10.33% 5.92%
2017 13 - 14 01/2017 - 12/2017 35,837 13.66% 5.69% 8.79%
2018 13 - 14 01/2018 - 09/2018 20,266 13.46% 0.70% 12.79%
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% 8.43% 8.49%
2014 14 - 15 01/2014 - 12/2014 25,874 14.64% 12.28% 6.79%
2015 14 - 15 01/2015 - 12/2015 21,494 14.61% 14.22% 4.88%
2016 14 - 15 01/2016 - 12/2016 25,502 14.61% 12.16% 5.69%
2017 14 - 15 01/2017 - 12/2017 28,142 14.39% 5.78% 9.56%
2018 14 - 15 01/2018 - 09/2018 22,990 14.24% 0.69% 13.65%
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% 11.48% 8.56%
2014 15 - 17 01/2014 - 12/2014 31,460 16.10% 14.93% 6.78%
2015 15 - 17 01/2015 - 12/2015 41,182 16.23% 17.95% 4.27%
2016 15 - 17 01/2016 - 12/2016 37,459 16.02% 14.20% 5.59%
2017 15 - 17 01/2017 - 12/2017 55,197 15.80% 6.98% 10.11%
2018 15 - 17 01/2018 - 09/2018 42,132 15.78% 0.78% 15.28%
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% 7.79%
2013 17 - 20 01/2013 - 12/2013 23,166 18.30% 15.40% 8.71%
2014 17 - 20 01/2014 - 12/2014 28,833 18.51% 19.77% 6.51%
2015 17 - 20 01/2015 - 12/2015 49,892 18.37% 23.08% 2.97%
2016 17 - 20 01/2016 - 12/2016 43,003 18.73% 18.60% 5.27%
2017 17 - 20 01/2017 - 12/2017 36,163 18.32% 8.89% 11.11%
2018 17 - 20 01/2018 - 09/2018 33,891 18.50% 1.18% 17.86%
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% 4.68%
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% 8.12%
2013 20 - 24 01/2013 - 12/2013 13,197 21.86% 21.90% 9.07%
2014 20 - 24 01/2014 - 12/2014 13,084 21.59% 25.52% 6.21%
2015 20 - 24 01/2015 - 12/2015 13,256 22.03% 30.31% 1.74%
2016 20 - 24 01/2016 - 12/2016 21,193 22.05% 23.34% 5.21%
2017 20 - 24 01/2017 - 12/2017 22,379 21.78% 11.71% 12.58%
2018 20 - 24 01/2018 - 09/2018 21,584 21.56% 1.67% 20.77%
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% 27.23% 8.62%
2014 24 - 30 01/2014 - 12/2014 5,789 25.02% 31.50% 4.98%
2015 24 - 30 01/2015 - 12/2015 5,205 25.85% 38.49% -1.72%
2016 24 - 30 01/2016 - 12/2016 15,741 26.09% 30.26% 3.40%
2017 24 - 30 01/2017 - 12/2017 15,011 26.46% 15.93% 13.91%
2018 24 - 30 01/2018 - 09/2018 11,261 26.37% 2.25% 25.88%
2016 30+ 05/2016 - 12/2016 788 30.77% 33.84% 4.44%
2017 30+ 01/2017 - 12/2017 6,300 30.72% 21.67% 12.01%
2018 30+ 01/2018 - 09/2018 1,528 30.61% 2.42% 31.08%
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 5,131 6.35% 1.39% 4.62%
2014 5 - 7 01/2014 - 12/2014 11,317 6.33% 1.73% 4.44%
2015 5 - 7 01/2015 - 12/2015 39,007 6.25% 1.97% 4.12%
2016 5 - 7 01/2016 - 12/2016 35,494 6.01% 1.89% 3.74%
2017 5 - 7 01/2017 - 12/2017 25,959 5.81% 0.68% 4.50%
2018 5 - 7 01/2018 - 09/2018 50,182 6.16% 0.18% 5.44%
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% 3.06% 5.22%
2015 7 - 9 01/2015 - 12/2015 56,559 7.92% 3.92% 4.62%
2016 7 - 9 01/2016 - 12/2016 59,959 8.08% 3.80% 4.58%
2017 7 - 9 01/2017 - 12/2017 61,895 7.63% 1.63% 5.59%
2018 7 - 9 01/2018 - 09/2018 46,923 7.75% 0.25% 7.03%
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% 5.16% 6.26%
2015 9 - 11 01/2015 - 12/2015 69,342 10.06% 6.59% 5.24%
2016 9 - 11 01/2016 - 12/2016 68,819 10.12% 5.98% 5.23%
2017 9 - 11 01/2017 - 12/2017 78,134 10.17% 2.41% 7.64%
2018 9 - 11 01/2018 - 09/2018 65,574 10.15% 0.55% 9.30%