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 - 09/2018 1,081,034 12.74% 7.97% 6.94%
1 - 6 07/2007 - 09/2018 65,312 13.82% 9.80% 7.06%
12 - 18 07/2007 - 09/2018 113,774 13.73% 9.31% 7.49%
18 - 24 07/2007 - 09/2018 105,295 13.61% 8.80% 7.67%
24 - 36 07/2007 - 09/2018 193,480 13.44% 8.84% 7.46%
36 - 48 06/2007 - 09/2018 167,042 13.32% 8.55% 7.44%
48 - 60 07/2007 - 09/2018 113,921 13.33% 8.65% 7.40%
6 - 12 06/2007 - 09/2018 115,941 13.75% 9.50% 7.43%
60 - 72 08/2007 - 09/2018 102,125 13.23% 8.69% 7.25%
72+ 08/2007 - 09/2018 74,053 13.22% 8.39% 7.41%
  • 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% 11.43% 6.03%
2015 0 - 0.1 01/2015 - 12/2015 204,462 12.36% 11.88% 4.31%
2016 0 - 0.1 01/2016 - 12/2016 205,345 12.85% 10.81% 4.85%
2017 0 - 0.1 01/2017 - 12/2017 219,939 12.87% 5.47% 8.25%
2018 0 - 0.1 01/2018 - 09/2018 199,685 12.09% 0.72% 11.32%
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% 8.98%
2014 1 - 6 01/2014 - 12/2014 7,547 14.59% 13.00% 6.60%
2015 1 - 6 01/2015 - 12/2015 13,869 12.99% 13.43% 4.37%
2016 1 - 6 01/2016 - 12/2016 15,524 13.21% 11.94% 4.93%
2017 1 - 6 01/2017 - 12/2017 15,993 13.94% 7.24% 8.02%
2018 1 - 6 01/2018 - 09/2018 8,779 14.43% 1.27% 13.28%
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% 13.10% 6.44%
2015 12 - 18 01/2015 - 12/2015 23,578 12.99% 13.27% 4.46%
2016 12 - 18 01/2016 - 12/2016 25,399 13.30% 11.81% 5.13%
2017 12 - 18 01/2017 - 12/2017 23,703 13.85% 6.19% 9.05%
2018 12 - 18 01/2018 - 09/2018 16,766 13.93% 0.70% 13.33%
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% 6.15%
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% 11.52% 7.15%
2015 18 - 24 01/2015 - 12/2015 21,388 12.92% 12.98% 4.81%
2016 18 - 24 01/2016 - 12/2016 23,272 13.33% 11.45% 5.44%
2017 18 - 24 01/2017 - 12/2017 22,318 13.74% 5.91% 8.91%
2018 18 - 24 01/2018 - 09/2018 16,436 13.56% 0.82% 12.89%
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% 8.80%
2014 24 - 36 01/2014 - 12/2014 21,204 14.03% 12.03% 6.78%
2015 24 - 36 01/2015 - 12/2015 39,658 12.71% 12.60% 4.67%
2016 24 - 36 01/2016 - 12/2016 42,455 13.28% 11.95% 4.99%
2017 24 - 36 01/2017 - 12/2017 41,289 13.62% 6.07% 8.83%
2018 24 - 36 01/2018 - 09/2018 31,096 13.25% 0.68% 12.63%
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% 11.92% 6.71%
2015 36 - 48 01/2015 - 12/2015 32,951 12.66% 12.46% 4.49%
2016 36 - 48 01/2016 - 12/2016 36,085 13.11% 11.32% 5.16%
2017 36 - 48 01/2017 - 12/2017 35,160 13.50% 6.05% 8.61%
2018 36 - 48 01/2018 - 09/2018 28,201 13.07% 0.57% 12.56%
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% 12.10% 6.69%
2015 48 - 60 01/2015 - 12/2015 23,221 12.77% 12.90% 4.49%
2016 48 - 60 01/2016 - 12/2016 23,312 13.16% 11.65% 4.97%
2017 48 - 60 01/2017 - 12/2017 24,364 13.45% 5.64% 8.83%
2018 48 - 60 01/2018 - 09/2018 19,112 13.01% 0.60% 12.45%
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% 8.49%
2014 6 - 12 01/2014 - 12/2014 14,249 14.32% 12.60% 6.66%
2015 6 - 12 01/2015 - 12/2015 24,951 12.93% 13.39% 4.45%
2016 6 - 12 01/2016 - 12/2016 25,735 13.25% 11.78% 5.11%
2017 6 - 12 01/2017 - 12/2017 25,050 13.82% 6.21% 8.95%
2018 6 - 12 01/2018 - 09/2018 15,421 14.30% 0.77% 13.78%
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% 12.75% 6.28%
2015 60 - 72 01/2015 - 12/2015 22,435 12.80% 13.62% 4.15%
2016 60 - 72 01/2016 - 12/2016 21,215 13.10% 11.31% 5.18%
2017 60 - 72 01/2017 - 12/2017 20,499 13.35% 5.47% 8.83%
2018 60 - 72 01/2018 - 09/2018 18,076 12.70% 0.47% 12.25%
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% 12.14% 6.65%
2015 72+ 01/2015 - 12/2015 14,582 12.87% 13.47% 4.44%
2016 72+ 01/2016 - 12/2016 16,065 13.17% 11.03% 5.29%
2017 72+ 01/2017 - 12/2017 15,264 13.27% 5.12% 8.97%
2018 72+ 01/2018 - 09/2018 12,979 12.59% 0.62% 12.06%