Lending Club Past Loan Performance by Months since Last Delinquency

  • Lending Club Past Loan Performance with Months since Last Delinquency

  • Net Annualized Return (NAR)

  • Loss Rate

Months since Last Delinquency Range Origination Period Loan Count Interest Rate Loss Rate NAR
0 - 0.1 06/2007 - 12/2018 1,151,629 12.72% 8.08% 6.85%
1 - 6 07/2007 - 12/2018 67,844 13.83% 10.33% 6.77%
12 - 18 07/2007 - 12/2018 119,405 13.74% 9.63% 7.31%
18 - 24 07/2007 - 12/2018 111,304 13.62% 9.09% 7.51%
24 - 36 07/2007 - 12/2018 204,382 13.45% 9.08% 7.32%
36 - 48 06/2007 - 12/2018 176,547 13.32% 8.77% 7.31%
48 - 60 07/2007 - 12/2018 120,563 13.33% 8.88% 7.27%
6 - 12 06/2007 - 12/2018 121,358 13.78% 9.82% 7.28%
60 - 72 08/2007 - 12/2018 108,269 13.22% 8.88% 7.13%
72+ 08/2007 - 12/2018 78,593 13.20% 8.62% 7.29%
  • Lending Club Past Loan Performance with Months since Last Delinquency and Vintage

Vintage Months since Last Delinquency Range Origination Period Loan Count Interest Rate Loss Rate NAR
2007 0 - 0.1 06/2007 - 12/2007 384 11.17% 15.55% 1.82%
2008 0 - 0.1 01/2008 - 12/2008 1,385 11.52% 15.99% 1.44%
2009 0 - 0.1 01/2009 - 12/2009 3,538 11.96% 9.75% 4.47%
2010 0 - 0.1 01/2010 - 12/2010 8,059 11.33% 8.70% 4.91%
2011 0 - 0.1 01/2011 - 12/2011 14,381 11.50% 10.51% 4.65%
2012 0 - 0.1 01/2012 - 12/2012 31,405 12.73% 10.99% 5.33%
2013 0 - 0.1 01/2013 - 12/2013 76,292 14.18% 10.49% 7.32%
2014 0 - 0.1 01/2014 - 12/2014 116,159 13.41% 11.48% 6.02%
2015 0 - 0.1 01/2015 - 12/2015 204,462 12.36% 12.09% 4.26%
2016 0 - 0.1 01/2016 - 12/2016 205,345 12.85% 11.41% 4.57%
2017 0 - 0.1 01/2017 - 12/2017 219,939 12.87% 6.92% 7.26%
2018 0 - 0.1 01/2018 - 12/2018 270,280 12.18% 1.37% 10.86%
2007 1 - 6 07/2007 - 12/2007 17 12.66% 24.04% 3.60%
2008 1 - 6 01/2008 - 12/2008 31 13.28% 11.40% 6.83%
2009 1 - 6 01/2009 - 12/2009 49 14.47% 15.05% 5.88%
2010 1 - 6 01/2010 - 12/2010 198 13.64% 9.42% 6.69%
2011 1 - 6 01/2011 - 12/2011 340 14.63% 13.99% 5.89%
2012 1 - 6 01/2012 - 12/2012 641 15.75% 14.26% 7.20%
2013 1 - 6 01/2013 - 12/2013 2,324 16.49% 12.40% 8.99%
2014 1 - 6 01/2014 - 12/2014 7,547 14.59% 13.09% 6.59%
2015 1 - 6 01/2015 - 12/2015 13,869 12.99% 13.68% 4.33%
2016 1 - 6 01/2016 - 12/2016 15,524 13.21% 12.49% 4.67%
2017 1 - 6 01/2017 - 12/2017 15,993 13.94% 9.25% 6.78%
2018 1 - 6 01/2018 - 12/2018 11,311 14.37% 2.39% 12.30%
2007 12 - 18 07/2007 - 12/2007 35 13.72% 20.04% 0.97%
2008 12 - 18 01/2008 - 12/2008 95 12.90% 16.76% 3.56%
2009 12 - 18 01/2009 - 12/2009 153 13.80% 10.46% 6.28%
2010 12 - 18 01/2010 - 12/2010 397 13.28% 10.54% 5.51%
2011 12 - 18 01/2011 - 12/2011 687 14.17% 14.49% 5.73%
2012 12 - 18 01/2012 - 12/2012 2,243 15.34% 12.13% 7.90%
2013 12 - 18 01/2013 - 12/2013 6,916 15.15% 9.99% 9.28%
2014 12 - 18 01/2014 - 12/2014 13,802 14.34% 13.15% 6.44%
2015 12 - 18 01/2015 - 12/2015 23,578 12.99% 13.53% 4.40%
2016 12 - 18 01/2016 - 12/2016 25,399 13.30% 12.64% 4.75%
2017 12 - 18 01/2017 - 12/2017 23,703 13.84% 8.04% 7.89%
2018 12 - 18 01/2018 - 12/2018 22,397 13.95% 1.52% 12.64%
2007 18 - 24 07/2007 - 12/2007 18 12.26% 18.46% 5.75%
2008 18 - 24 01/2008 - 12/2008 111 12.74% 10.63% 5.99%
2009 18 - 24 01/2009 - 12/2009 206 13.60% 10.08% 7.15%
2010 18 - 24 01/2010 - 12/2010 464 13.38% 10.19% 6.16%
2011 18 - 24 01/2011 - 12/2011 716 13.74% 13.72% 5.04%
2012 18 - 24 01/2012 - 12/2012 2,282 15.21% 11.67% 8.19%
2013 18 - 24 01/2013 - 12/2013 5,868 15.03% 10.28% 8.88%
2014 18 - 24 01/2014 - 12/2014 12,216 14.17% 11.60% 7.13%
2015 18 - 24 01/2015 - 12/2015 21,388 12.92% 13.22% 4.76%
2016 18 - 24 01/2016 - 12/2016 23,272 13.33% 12.13% 5.13%
2017 18 - 24 01/2017 - 12/2017 22,318 13.74% 7.80% 7.70%
2018 18 - 24 01/2018 - 12/2018 22,445 13.65% 1.62% 12.32%
2007 24 - 36 07/2007 - 12/2007 38 13.05% 26.26% -0.94%
2008 24 - 36 01/2008 - 12/2008 187 12.91% 17.77% 1.48%
2009 24 - 36 01/2009 - 12/2009 335 13.41% 7.33% 7.83%
2010 24 - 36 01/2010 - 12/2010 893 13.12% 8.65% 7.07%
2011 24 - 36 01/2011 - 12/2011 1,378 13.55% 9.72% 7.23%
2012 24 - 36 01/2012 - 12/2012 4,218 14.87% 12.07% 7.70%
2013 24 - 36 01/2013 - 12/2013 10,729 14.96% 10.53% 8.81%
2014 24 - 36 01/2014 - 12/2014 21,204 14.03% 12.11% 6.77%
2015 24 - 36 01/2015 - 12/2015 39,658 12.71% 12.82% 4.62%
2016 24 - 36 01/2016 - 12/2016 42,455 13.28% 12.68% 4.66%
2017 24 - 36 01/2017 - 12/2017 41,289 13.62% 7.78% 7.72%
2018 24 - 36 01/2018 - 12/2018 41,998 13.32% 1.37% 12.06%
2007 36 - 48 06/2007 - 12/2007 40 13.24% 34.11% -1.88%
2008 36 - 48 01/2008 - 12/2008 173 12.93% 13.69% 5.27%
2009 36 - 48 01/2009 - 12/2009 321 13.27% 8.29% 6.78%
2010 36 - 48 01/2010 - 12/2010 811 13.28% 9.91% 6.68%
2011 36 - 48 01/2011 - 12/2011 1,373 13.44% 10.67% 6.54%
2012 36 - 48 01/2012 - 12/2012 3,741 14.75% 11.43% 7.46%
2013 36 - 48 01/2013 - 12/2013 9,816 14.80% 10.50% 8.53%
2014 36 - 48 01/2014 - 12/2014 18,370 13.90% 11.98% 6.70%
2015 36 - 48 01/2015 - 12/2015 32,951 12.66% 12.67% 4.45%
2016 36 - 48 01/2016 - 12/2016 36,085 13.11% 11.96% 4.87%
2017 36 - 48 01/2017 - 12/2017 35,160 13.50% 7.71% 7.54%
2018 36 - 48 01/2018 - 12/2018 37,706 13.14% 1.33% 11.98%
2007 48 - 60 07/2007 - 12/2007 15 12.13% 28.06% 0.93%
2008 48 - 60 01/2008 - 12/2008 126 12.51% 17.61% 2.47%
2009 48 - 60 01/2009 - 12/2009 215 13.26% 11.28% 6.05%
2010 48 - 60 01/2010 - 12/2010 538 13.04% 6.67% 7.99%
2011 48 - 60 01/2011 - 12/2011 893 13.61% 12.45% 5.62%
2012 48 - 60 01/2012 - 12/2012 2,584 14.71% 11.74% 7.68%
2013 48 - 60 01/2013 - 12/2013 6,053 14.76% 11.02% 8.01%
2014 48 - 60 01/2014 - 12/2014 13,488 13.95% 12.17% 6.68%
2015 48 - 60 01/2015 - 12/2015 23,221 12.77% 13.17% 4.42%
2016 48 - 60 01/2016 - 12/2016 23,312 13.16% 12.30% 4.67%
2017 48 - 60 01/2017 - 12/2017 24,364 13.45% 7.35% 7.76%
2018 48 - 60 01/2018 - 12/2018 25,754 13.08% 1.32% 11.89%
2007 6 - 12 06/2007 - 12/2007 29 13.65% 13.03% 1.32%
2008 6 - 12 01/2008 - 12/2008 110 13.54% 13.35% 5.82%
2009 6 - 12 01/2009 - 12/2009 136 13.79% 7.73% 6.66%
2010 6 - 12 01/2010 - 12/2010 334 14.02% 10.83% 5.24%
2011 6 - 12 01/2011 - 12/2011 608 14.47% 12.42% 6.50%
2012 6 - 12 01/2012 - 12/2012 2,143 15.47% 11.87% 8.54%
2013 6 - 12 01/2013 - 12/2013 7,175 15.26% 11.54% 8.50%
2014 6 - 12 01/2014 - 12/2014 14,249 14.32% 12.67% 6.66%
2015 6 - 12 01/2015 - 12/2015 24,951 12.93% 13.65% 4.40%
2016 6 - 12 01/2016 - 12/2016 25,735 13.25% 12.55% 4.76%
2017 6 - 12 01/2017 - 12/2017 25,050 13.82% 8.10% 7.79%
2018 6 - 12 01/2018 - 12/2018 20,838 14.33% 1.46% 13.16%
2007 60 - 72 08/2007 - 12/2007 18 11.89% 29.20% -8.22%
2008 60 - 72 01/2008 - 12/2008 112 12.37% 13.66% 2.18%
2009 60 - 72 01/2009 - 12/2009 180 13.38% 8.38% 6.95%
2010 60 - 72 01/2010 - 12/2010 444 12.77% 12.11% 4.95%
2011 60 - 72 01/2011 - 12/2011 736 12.83% 11.40% 5.25%
2012 60 - 72 01/2012 - 12/2012 2,308 14.66% 12.15% 7.38%
2013 60 - 72 01/2013 - 12/2013 5,367 14.81% 11.38% 8.06%
2014 60 - 72 01/2014 - 12/2014 10,735 14.04% 12.82% 6.28%
2015 60 - 72 01/2015 - 12/2015 22,435 12.80% 13.90% 4.09%
2016 60 - 72 01/2016 - 12/2016 21,215 13.10% 11.99% 4.88%
2017 60 - 72 01/2017 - 12/2017 20,499 13.35% 7.16% 7.71%
2018 60 - 72 01/2018 - 12/2018 24,220 12.79% 1.13% 11.70%
2007 72+ 08/2007 - 12/2007 9 12.10% 6.82% 3.05%
2008 72+ 01/2008 - 12/2008 63 12.07% 13.46% 3.65%
2009 72+ 01/2009 - 12/2009 148 12.59% 12.45% 3.92%
2010 72+ 01/2010 - 12/2010 399 12.35% 11.95% 4.90%
2011 72+ 01/2011 - 12/2011 609 13.14% 13.09% 5.26%
2012 72+ 01/2012 - 12/2012 1,802 14.39% 11.70% 7.19%
2013 72+ 01/2013 - 12/2013 4,274 14.54% 10.52% 8.08%
2014 72+ 01/2014 - 12/2014 7,859 14.01% 12.21% 6.64%
2015 72+ 01/2015 - 12/2015 14,582 12.87% 13.76% 4.38%
2016 72+ 01/2016 - 12/2016 16,065 13.17% 11.81% 4.94%
2017 72+ 01/2017 - 12/2017 15,264 13.27% 6.75% 7.96%
2018 72+ 01/2018 - 12/2018 17,519 12.65% 1.29% 11.55%