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 - 12/2018 116,255 10.98% 7.10% 5.40%
10 - 25 07/2007 - 12/2018 271,358 11.18% 6.78% 6.12%
100+ 07/2007 - 12/2018 8,939 15.83% 13.37% 7.01%
25 - 35 07/2007 - 12/2018 262,588 11.97% 7.46% 6.51%
35 - 45 07/2007 - 12/2018 300,070 12.63% 8.20% 6.75%
45 - 55 06/2007 - 12/2018 311,728 13.19% 8.80% 6.91%
55 - 65 06/2007 - 12/2018 300,434 13.68% 9.43% 7.15%
65 - 75 06/2007 - 12/2018 264,946 14.10% 9.74% 7.40%
75 - 85 07/2007 - 12/2018 214,992 14.49% 10.16% 7.64%
85 - 100 07/2007 - 12/2018 208,925 15.02% 10.72% 7.90%
  • 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% 6.08%
2014 0 - 10 01/2014 - 12/2014 5,843 12.10% 10.16% 5.39%
2015 0 - 10 01/2015 - 12/2015 14,115 11.43% 12.00% 3.34%
2016 0 - 10 01/2016 - 12/2016 19,938 11.53% 11.20% 3.39%
2017 0 - 10 01/2017 - 12/2017 26,203 10.95% 7.51% 5.00%
2018 0 - 10 01/2018 - 12/2018 39,877 10.60% 3.01% 7.63%
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% 9.85% 5.64%
2015 10 - 25 01/2015 - 12/2015 40,351 11.10% 11.45% 3.68%
2016 10 - 25 01/2016 - 12/2016 51,066 11.54% 10.76% 3.93%
2017 10 - 25 01/2017 - 12/2017 61,537 11.26% 6.49% 6.07%
2018 10 - 25 01/2018 - 12/2018 81,884 10.81% 1.78% 9.00%
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% 9.70%
2014 100+ 01/2014 - 12/2014 1,066 16.24% 16.98% 5.59%
2015 100+ 01/2015 - 12/2015 2,417 14.64% 16.80% 3.96%
2016 100+ 01/2016 - 12/2016 1,786 15.68% 15.46% 5.77%
2017 100+ 01/2017 - 12/2017 1,944 16.38% 11.74% 7.67%
2018 100+ 01/2018 - 12/2018 1,423 16.52% 3.56% 13.74%
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% 8.67% 6.84%
2014 25 - 35 01/2014 - 12/2014 23,094 12.48% 10.49% 5.76%
2015 25 - 35 01/2015 - 12/2015 44,928 11.60% 11.64% 3.94%
2016 25 - 35 01/2016 - 12/2016 52,025 12.13% 11.18% 4.30%
2017 25 - 35 01/2017 - 12/2017 55,843 12.19% 6.96% 6.66%
2018 25 - 35 01/2018 - 12/2018 67,953 11.76% 1.62% 10.19%
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% 9.27% 7.32%
2014 35 - 45 01/2014 - 12/2014 29,989 13.01% 10.84% 6.21%
2015 35 - 45 01/2015 - 12/2015 55,413 12.07% 12.02% 4.13%
2016 35 - 45 01/2016 - 12/2016 60,188 12.66% 11.88% 4.31%
2017 35 - 45 01/2017 - 12/2017 61,264 12.97% 7.57% 7.05%
2018 35 - 45 01/2018 - 12/2018 68,172 12.51% 1.59% 11.05%
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% 7.60%
2014 45 - 55 01/2014 - 12/2014 35,232 13.51% 11.69% 6.04%
2015 45 - 55 01/2015 - 12/2015 60,644 12.51% 12.56% 4.29%
2016 45 - 55 01/2016 - 12/2016 61,965 13.10% 12.05% 4.51%
2017 45 - 55 01/2017 - 12/2017 60,230 13.60% 7.79% 7.45%
2018 45 - 55 01/2018 - 12/2018 63,306 13.17% 1.60% 11.71%
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% 10.63% 7.98%
2014 55 - 65 01/2014 - 12/2014 35,704 14.01% 12.17% 6.40%
2015 55 - 65 01/2015 - 12/2015 60,076 12.91% 12.95% 4.53%
2016 55 - 65 01/2016 - 12/2016 58,992 13.54% 12.71% 4.74%
2017 55 - 65 01/2017 - 12/2017 55,738 14.09% 8.41% 7.63%
2018 55 - 65 01/2018 - 12/2018 56,131 13.75% 1.58% 12.36%
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% 11.44% 8.11%
2014 65 - 75 01/2014 - 12/2014 32,970 14.41% 12.41% 6.71%
2015 65 - 75 01/2015 - 12/2015 54,595 13.27% 13.30% 4.61%
2016 65 - 75 01/2016 - 12/2016 50,301 13.85% 12.48% 5.11%
2017 65 - 75 01/2017 - 12/2017 47,387 14.44% 8.25% 8.07%
2018 65 - 75 01/2018 - 12/2018 46,025 14.26% 1.56% 12.96%
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% 11.89% 8.76%
2014 75 - 85 01/2014 - 12/2014 26,974 14.91% 13.33% 6.79%
2015 75 - 85 01/2015 - 12/2015 44,298 13.52% 13.73% 4.77%
2016 75 - 85 01/2016 - 12/2016 39,759 14.13% 12.49% 5.49%
2017 75 - 85 01/2017 - 12/2017 37,333 14.75% 8.47% 8.29%
2018 75 - 85 01/2018 - 12/2018 35,903 14.72% 1.62% 13.42%
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% 12.81% 8.83%
2014 85 - 100 01/2014 - 12/2014 25,945 15.42% 13.39% 7.25%
2015 85 - 100 01/2015 - 12/2015 44,258 13.86% 13.81% 5.12%
2016 85 - 100 01/2016 - 12/2016 38,387 14.48% 12.87% 5.64%
2017 85 - 100 01/2017 - 12/2017 36,100 15.20% 9.17% 8.42%
2018 85 - 100 01/2018 - 12/2018 34,135 15.41% 2.03% 13.95%