Lending Club Past Loan Performance by Revolving Utilization

  • Lending Club Past Loan Performance with Revolving Utilization

  • Net Annualized Return (NAR)

  • Loss Rate

Revolving Utilization Range Origination Period Loan Count Interest Rate Loss Rate NAR
0 - 10 06/2007 - 09/2018 106,544 10.96% 6.48% 5.74%
10 - 25 07/2007 - 09/2018 249,888 11.16% 6.30% 6.38%
100+ 07/2007 - 09/2018 8,592 15.79% 12.44% 7.44%
25 - 35 07/2007 - 09/2018 244,802 11.96% 7.00% 6.78%
35 - 45 07/2007 - 09/2018 282,084 12.63% 7.71% 7.04%
45 - 55 06/2007 - 09/2018 295,118 13.18% 8.36% 7.18%
55 - 65 06/2007 - 09/2018 285,903 13.68% 8.93% 7.44%
65 - 75 06/2007 - 09/2018 253,139 14.09% 9.26% 7.68%
75 - 85 07/2007 - 09/2018 205,716 14.48% 9.70% 7.90%
85 - 100 07/2007 - 09/2018 200,191 15.01% 10.18% 8.18%
  • Lending Club Past Loan Performance with Revolving Utilization and Vintage

Vintage Revolving Utilization Range Origination Period Loan Count Interest Rate Loss Rate NAR
2007 0 - 10 06/2007 - 12/2007 137 9.94% 17.95% 0.49%
2008 0 - 10 01/2008 - 12/2008 311 10.14% 10.28% 3.72%
2009 0 - 10 01/2009 - 12/2009 774 11.13% 7.45% 5.00%
2010 0 - 10 01/2010 - 12/2010 1,421 10.02% 6.73% 3.81%
2011 0 - 10 01/2011 - 12/2011 2,190 9.68% 7.66% 4.40%
2012 0 - 10 01/2012 - 12/2012 2,266 9.38% 7.88% 2.81%
2013 0 - 10 01/2013 - 12/2013 3,180 11.23% 6.93% 6.07%
2014 0 - 10 01/2014 - 12/2014 5,843 12.10% 10.13% 5.39%
2015 0 - 10 01/2015 - 12/2015 14,115 11.43% 11.76% 3.38%
2016 0 - 10 01/2016 - 12/2016 19,938 11.53% 10.49% 3.70%
2017 0 - 10 01/2017 - 12/2017 26,203 10.95% 5.81% 6.03%
2018 0 - 10 01/2018 - 09/2018 30,166 10.38% 1.55% 8.45%
2007 10 - 25 07/2007 - 12/2007 68 10.25% 9.06% 5.15%
2008 10 - 25 01/2008 - 12/2008 295 10.52% 15.82% 1.99%
2009 10 - 25 01/2009 - 12/2009 748 10.96% 8.48% 4.95%
2010 10 - 25 01/2010 - 12/2010 1,742 9.88% 6.23% 5.36%
2011 10 - 25 01/2011 - 12/2011 2,697 9.81% 7.53% 4.67%
2012 10 - 25 01/2012 - 12/2012 4,037 9.85% 8.57% 3.89%
2013 10 - 25 01/2013 - 12/2013 8,121 11.96% 7.64% 6.64%
2014 10 - 25 01/2014 - 12/2014 18,812 11.94% 9.77% 5.65%
2015 10 - 25 01/2015 - 12/2015 40,351 11.10% 11.15% 3.73%
2016 10 - 25 01/2016 - 12/2016 51,066 11.54% 9.86% 4.34%
2017 10 - 25 01/2017 - 12/2017 61,537 11.26% 4.69% 7.17%
2018 10 - 25 01/2018 - 09/2018 60,414 10.61% 0.77% 9.60%
2007 100+ 07/2007 - 12/2007 9 13.01% 45.78% -13.85%
2008 100+ 01/2008 - 07/2008 20 13.25% 27.47% -7.28%
2012 100+ 12/2012 - 12/2012 11 14.98% 18.91% 4.62%
2013 100+ 01/2013 - 12/2013 263 18.90% 15.83% 9.69%
2014 100+ 01/2014 - 12/2014 1,066 16.24% 16.91% 5.60%
2015 100+ 01/2015 - 12/2015 2,417 14.64% 16.18% 4.08%
2016 100+ 01/2016 - 12/2016 1,786 15.69% 14.32% 6.25%
2017 100+ 01/2017 - 12/2017 1,944 16.38% 8.63% 9.54%
2018 100+ 01/2018 - 09/2018 1,076 16.34% 1.78% 14.91%
2007 25 - 35 07/2007 - 12/2007 48 11.03% 17.26% 0.74%
2008 25 - 35 01/2008 - 12/2008 247 11.14% 12.70% 3.14%
2009 25 - 35 01/2009 - 12/2009 573 11.64% 8.23% 4.52%
2010 25 - 35 01/2010 - 12/2010 1,207 10.76% 6.52% 5.66%
2011 25 - 35 01/2011 - 12/2011 2,167 10.69% 8.50% 4.77%
2012 25 - 35 01/2012 - 12/2012 3,871 11.23% 9.13% 4.86%
2013 25 - 35 01/2013 - 12/2013 10,632 12.66% 8.66% 6.83%
2014 25 - 35 01/2014 - 12/2014 23,094 12.48% 10.39% 5.77%
2015 25 - 35 01/2015 - 12/2015 44,928 11.60% 11.29% 4.01%
2016 25 - 35 01/2016 - 12/2016 52,025 12.13% 10.28% 4.73%
2017 25 - 35 01/2017 - 12/2017 55,843 12.19% 5.04% 7.87%
2018 25 - 35 01/2018 - 09/2018 50,167 11.64% 0.60% 10.93%
2007 35 - 45 07/2007 - 12/2007 50 11.24% 12.63% 5.27%
2008 35 - 45 01/2008 - 12/2008 228 11.81% 14.45% 2.05%
2009 35 - 45 01/2009 - 12/2009 597 12.34% 7.50% 6.55%
2010 35 - 45 01/2010 - 12/2010 1,374 11.45% 8.79% 5.24%
2011 35 - 45 01/2011 - 12/2011 2,229 11.49% 9.46% 5.45%
2012 35 - 45 01/2012 - 12/2012 5,275 12.48% 9.54% 5.73%
2013 35 - 45 01/2013 - 12/2013 15,291 13.35% 9.26% 7.32%
2014 35 - 45 01/2014 - 12/2014 29,989 13.01% 10.73% 6.23%
2015 35 - 45 01/2015 - 12/2015 55,413 12.07% 11.70% 4.20%
2016 35 - 45 01/2016 - 12/2016 60,188 12.66% 10.81% 4.80%
2017 35 - 45 01/2017 - 12/2017 61,264 12.97% 5.51% 8.38%
2018 35 - 45 01/2018 - 09/2018 50,186 12.44% 0.56% 11.88%
2007 45 - 55 06/2007 - 12/2007 54 12.41% 25.67% -3.79%
2008 45 - 55 01/2008 - 12/2008 269 12.06% 17.60% 2.93%
2009 45 - 55 01/2009 - 12/2009 546 12.57% 11.62% 4.63%
2010 45 - 55 01/2010 - 12/2010 1,362 11.93% 8.59% 5.67%
2011 45 - 55 01/2011 - 12/2011 2,413 12.16% 10.53% 5.62%
2012 45 - 55 01/2012 - 12/2012 6,621 13.31% 10.44% 6.42%
2013 45 - 55 01/2013 - 12/2013 19,086 14.00% 9.77% 7.59%
2014 45 - 55 01/2014 - 12/2014 35,232 13.51% 11.60% 6.05%
2015 45 - 55 01/2015 - 12/2015 60,644 12.51% 12.20% 4.37%
2016 45 - 55 01/2016 - 12/2016 61,965 13.10% 11.03% 4.99%
2017 45 - 55 01/2017 - 12/2017 60,230 13.60% 5.74% 8.79%
2018 45 - 55 01/2018 - 09/2018 46,696 13.15% 0.62% 12.62%
2007 55 - 65 06/2007 - 12/2007 51 13.48% 26.87% -1.51%
2008 55 - 65 01/2008 - 12/2008 261 12.70% 16.17% 1.76%
2009 55 - 65 01/2009 - 12/2009 492 12.88% 11.21% 4.58%
2010 55 - 65 01/2010 - 12/2010 1,359 12.44% 9.45% 5.46%
2011 55 - 65 01/2011 - 12/2011 2,492 12.61% 10.95% 5.30%
2012 55 - 65 01/2012 - 12/2012 7,954 13.86% 10.85% 6.97%
2013 55 - 65 01/2013 - 12/2013 21,184 14.62% 10.62% 7.97%
2014 55 - 65 01/2014 - 12/2014 35,704 14.01% 12.09% 6.41%
2015 55 - 65 01/2015 - 12/2015 60,076 12.91% 12.54% 4.62%
2016 55 - 65 01/2016 - 12/2016 58,992 13.54% 11.54% 5.28%
2017 55 - 65 01/2017 - 12/2017 55,738 14.09% 6.20% 9.07%
2018 55 - 65 01/2018 - 09/2018 41,600 13.76% 0.54% 13.39%
2007 65 - 75 06/2007 - 12/2007 51 12.99% 14.32% 4.75%
2008 65 - 75 01/2008 - 12/2008 222 13.17% 14.16% 3.94%
2009 65 - 75 01/2009 - 12/2009 488 13.15% 11.39% 4.70%
2010 65 - 75 01/2010 - 12/2010 1,252 13.08% 10.58% 5.43%
2011 65 - 75 01/2011 - 12/2011 2,459 13.38% 12.65% 5.15%
2012 65 - 75 01/2012 - 12/2012 8,049 14.62% 12.28% 7.02%
2013 65 - 75 01/2013 - 12/2013 21,147 15.19% 11.43% 8.10%
2014 65 - 75 01/2014 - 12/2014 32,970 14.41% 12.31% 6.72%
2015 65 - 75 01/2015 - 12/2015 54,595 13.27% 12.88% 4.71%
2016 65 - 75 01/2016 - 12/2016 50,301 13.85% 11.33% 5.66%
2017 65 - 75 01/2017 - 12/2017 47,387 14.44% 6.04% 9.51%
2018 65 - 75 01/2018 - 09/2018 34,218 14.28% 0.54% 14.00%
2007 75 - 85 07/2007 - 12/2007 65 13.59% 27.43% -0.36%
2008 75 - 85 01/2008 - 12/2008 233 13.60% 17.72% 1.74%
2009 75 - 85 01/2009 - 12/2009 459 13.77% 10.78% 5.45%
2010 75 - 85 01/2010 - 12/2010 1,240 13.58% 9.46% 6.25%
2011 75 - 85 01/2011 - 12/2011 2,264 13.98% 14.32% 4.85%
2012 75 - 85 01/2012 - 12/2012 7,962 15.06% 12.77% 7.01%
2013 75 - 85 01/2013 - 12/2013 18,502 15.87% 11.88% 8.75%
2014 75 - 85 01/2014 - 12/2014 26,974 14.91% 13.21% 6.80%
2015 75 - 85 01/2015 - 12/2015 44,298 13.52% 13.28% 4.88%
2016 75 - 85 01/2016 - 12/2016 39,759 14.13% 11.42% 5.98%
2017 75 - 85 01/2017 - 12/2017 37,333 14.75% 6.19% 9.75%
2018 75 - 85 01/2018 - 09/2018 26,627 14.75% 0.67% 14.40%
2007 85 - 100 07/2007 - 12/2007 70 13.69% 15.92% 2.72%
2008 85 - 100 01/2008 - 12/2008 307 13.82% 19.18% 1.47%
2009 85 - 100 01/2009 - 12/2009 604 14.72% 11.36% 6.15%
2010 85 - 100 01/2010 - 12/2010 1,580 15.01% 14.24% 5.95%
2011 85 - 100 01/2011 - 12/2011 2,810 15.56% 15.57% 5.80%
2012 85 - 100 01/2012 - 12/2012 7,321 16.56% 14.78% 7.58%
2013 85 - 100 01/2013 - 12/2013 17,408 16.71% 12.80% 8.82%
2014 85 - 100 01/2014 - 12/2014 25,945 15.42% 13.26% 7.26%
2015 85 - 100 01/2015 - 12/2015 44,258 13.86% 13.34% 5.23%
2016 85 - 100 01/2016 - 12/2016 38,387 14.48% 11.81% 6.12%
2017 85 - 100 01/2017 - 12/2017 36,100 15.20% 6.64% 9.99%
2018 85 - 100 01/2018 - 09/2018 25,401 15.45% 0.78% 15.12%