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 - 03/2019 1,216,577 12.69% 8.19% 6.76%
1 - 6 07/2007 - 03/2019 70,306 13.83% 10.64% 6.60%
12 - 18 07/2007 - 03/2019 124,830 13.73% 9.83% 7.22%
18 - 24 07/2007 - 03/2019 116,405 13.61% 9.30% 7.41%
24 - 36 07/2007 - 03/2019 214,148 13.43% 9.29% 7.18%
36 - 48 06/2007 - 03/2019 185,009 13.32% 9.01% 7.20%
48 - 60 07/2007 - 03/2019 126,630 13.32% 9.10% 7.14%
6 - 12 06/2007 - 03/2019 125,887 13.78% 10.06% 7.16%
60 - 72 08/2007 - 03/2019 113,743 13.21% 9.02% 7.05%
72+ 08/2007 - 03/2019 82,715 13.17% 8.74% 7.19%
  • 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% 7.33%
2014 0 - 0.1 01/2014 - 12/2014 116,159 13.41% 11.51% 6.02%
2015 0 - 0.1 01/2015 - 12/2015 204,462 12.36% 12.24% 4.25%
2016 0 - 0.1 01/2016 - 12/2016 205,345 12.85% 11.82% 4.42%
2017 0 - 0.1 01/2017 - 12/2017 219,939 12.87% 8.17% 6.55%
2018 0 - 0.1 01/2018 - 12/2018 270,718 12.18% 2.52% 9.85%
2019 0 - 0.1 01/2019 - 03/2019 64,510 12.29% 0.06% 12.24%
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% 13.12% 6.60%
2015 1 - 6 01/2015 - 12/2015 13,869 12.99% 13.80% 4.33%
2016 1 - 6 01/2016 - 12/2016 15,524 13.21% 12.96% 4.51%
2017 1 - 6 01/2017 - 12/2017 15,993 13.94% 10.57% 6.06%
2018 1 - 6 01/2018 - 12/2018 11,329 14.36% 4.08% 10.90%
2019 1 - 6 01/2019 - 03/2019 2,444 13.91% 0.01% 14.14%
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% 9.29%
2014 12 - 18 01/2014 - 12/2014 13,802 14.34% 13.18% 6.45%
2015 12 - 18 01/2015 - 12/2015 23,578 12.99% 13.74% 4.38%
2016 12 - 18 01/2016 - 12/2016 25,399 13.30% 13.07% 4.61%
2017 12 - 18 01/2017 - 12/2017 23,703 13.84% 9.43% 7.14%
2018 12 - 18 01/2018 - 12/2018 22,435 13.95% 2.91% 11.55%
2019 12 - 18 01/2019 - 03/2019 5,387 13.63% 0.03% 13.88%
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% 8.20%
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% 11.66% 7.12%
2015 18 - 24 01/2015 - 12/2015 21,388 12.92% 13.37% 4.76%
2016 18 - 24 01/2016 - 12/2016 23,272 13.33% 12.57% 4.98%
2017 18 - 24 01/2017 - 12/2017 22,318 13.74% 9.22% 6.94%
2018 18 - 24 01/2018 - 12/2018 22,466 13.65% 2.86% 11.30%
2019 18 - 24 01/2019 - 03/2019 5,080 13.48% 0.04% 13.59%
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% 12.14% 6.78%
2015 24 - 36 01/2015 - 12/2015 39,658 12.71% 12.99% 4.60%
2016 24 - 36 01/2016 - 12/2016 42,455 13.28% 13.18% 4.49%
2017 24 - 36 01/2017 - 12/2017 41,289 13.62% 9.18% 6.94%
2018 24 - 36 01/2018 - 12/2018 42,056 13.32% 2.66% 10.94%
2019 24 - 36 01/2019 - 03/2019 9,708 13.19% 0.05% 13.29%
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% 8.54%
2014 36 - 48 01/2014 - 12/2014 18,370 13.90% 12.00% 6.71%
2015 36 - 48 01/2015 - 12/2015 32,951 12.66% 12.88% 4.42%
2016 36 - 48 01/2016 - 12/2016 36,085 13.11% 12.43% 4.72%
2017 36 - 48 01/2017 - 12/2017 35,160 13.50% 9.12% 6.77%
2018 36 - 48 01/2018 - 12/2018 37,759 13.14% 2.61% 10.96%
2019 36 - 48 01/2019 - 03/2019 8,409 13.14% 0.09% 13.22%
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% 12.23% 6.68%
2015 48 - 60 01/2015 - 12/2015 23,221 12.77% 13.34% 4.41%
2016 48 - 60 01/2016 - 12/2016 23,312 13.16% 12.73% 4.53%
2017 48 - 60 01/2017 - 12/2017 24,364 13.45% 8.73% 6.97%
2018 48 - 60 01/2018 - 12/2018 25,795 13.08% 2.68% 10.73%
2019 48 - 60 01/2019 - 03/2019 6,026 13.03% 0.07% 13.22%
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% 8.55%
2013 6 - 12 01/2013 - 12/2013 7,175 15.26% 11.54% 8.51%
2014 6 - 12 01/2014 - 12/2014 14,249 14.32% 12.69% 6.67%
2015 6 - 12 01/2015 - 12/2015 24,951 12.93% 13.81% 4.40%
2016 6 - 12 01/2016 - 12/2016 25,735 13.25% 13.06% 4.59%
2017 6 - 12 01/2017 - 12/2017 25,050 13.82% 9.35% 7.10%
2018 6 - 12 01/2018 - 12/2018 20,865 14.33% 2.81% 12.00%
2019 6 - 12 01/2019 - 03/2019 4,502 13.89% 0.01% 14.20%
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% 8.07%
2014 60 - 72 01/2014 - 12/2014 10,735 14.04% 12.87% 6.28%
2015 60 - 72 01/2015 - 12/2015 22,435 12.80% 14.08% 4.07%
2016 60 - 72 01/2016 - 12/2016 21,215 13.10% 12.50% 4.71%
2017 60 - 72 01/2017 - 12/2017 20,499 13.35% 8.28% 7.09%
2018 60 - 72 01/2018 - 12/2018 24,266 12.79% 2.32% 10.68%
2019 60 - 72 01/2019 - 03/2019 5,428 12.90% 0.03% 13.03%
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% 8.09%
2014 72+ 01/2014 - 12/2014 7,859 14.01% 12.23% 6.65%
2015 72+ 01/2015 - 12/2015 14,582 12.87% 13.90% 4.38%
2016 72+ 01/2016 - 12/2016 16,065 13.17% 12.32% 4.76%
2017 72+ 01/2017 - 12/2017 15,264 13.27% 7.95% 7.30%
2018 72+ 01/2018 - 12/2018 17,553 12.65% 2.46% 10.55%
2019 72+ 01/2019 - 03/2019 4,088 12.68% 0.08% 12.71%