Lending Club Statistics

Platform: Highlights Public Note Offering: Investor Performance Download Data

Last Quarter Average Interest Rate

  • 36-Month Loans: 11.38%
  • 60-Month Loans: 15.55%
  • All Loan Terms: 13.19%

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Adjusted Net Annualized Return

Average Interest Rate

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Description of chart: This chart shows the historical performance by grade for all issued loans.

This chart includes all loans that were issued 18 months or more before the last day of the most recently completed quarter. The historical returns data in the chart is updated monthly.

Adjusted Net Annualized Return ("Adjusted NAR") is a cumulative, annualized measure of the return on all of the money invested in loans over the life of those loans, with an adjustment for estimated future losses.1

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Description of chart: This chart shows the weighted average interest rate for loans issued over time. You can use the controls above the chart to customize which loan grades and loan terms are included in the chart.

If no loans with the selected grade or term were issued in a particular time period, no line will be displayed over that time period.

  • Term
  • 36
  • 60
  • All
Grade

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Description of chart: This chart shows the mix of grades of loans facilitated each year. Mix is shown as the % of total loans by dollar amount.

You can use the controls above the chart to customize the term length of loans included in the chart.

Loan Performance Details

ISSUE DATE START ISSUE DATE END UNITS

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Description of chart: This table shows detailed historical performance of loans by grade.2

You can use the controls above the chart to customize which loans are included in the table based on the date range in which they were issued. You can also customize the units of measurement used throughout the table. The data in this table are updated monthly.

Units of Measurement

  • Dollar amount: Displays all columns in the table (except for Average Interest Rate and Adjusted Net Annualized Return) by total dollar amount.
  • Number of Loans: Displays all columns in the table (except for Average Interest Rate and Adjusted Net Annualized Return) by the total number of loans.
  • % of issued dollars: Displays all columns in the table (except for Average Interest Rate and Adjusted Net Annualized Return) as a percent of the total amount (in dollars) of loans issued by loan grade.

Columns in the Table

Definition of the data columns for "Dollar Amount" and "% of Issued dollars" views

  • Fully Paid: Principal amount of loans that have been fully paid
  • Current: Principal amount of loans that are in "current" or "grace period" status
  • Late: Principal amount of loans that are 16+ days late but have not charged off
  • Charged off (net): Total amount charged off net of any funds subsequently recovered. Principal and interest payments received prior to charge off and recoveries made after charge off are not included here; they are included in the "Principal Payments Received" or "Interest Payments Received" columns. As a result, the fully paid, current, late, and charged off columns do not add up to 100% for the "% of Issued dollars" view.
  • Principal Payments Received: Total principal payments received, including principal payments for loans that were later charged off and any recoveries made after charge off.
  • Interest Payments Received: Total interest payments received, including interest for loans that were later charged off and any recoveries made in excess of principal after charge off.
  • Avg. Interest Rate: Weighted average interest rate on issued loans
  • Adj. Net Annualized Return: Adjusted Net Annualized Return ("Adjusted NAR") is a cumulative, annualized measure of the return on all of the money invested in loans over the life of those loans, with an adjustment for estimated future losses.1

Definition of the data columns for "Number of Loans" view

  • Fully Paid:Number of loans that have been fully paid
  • Current:Number of loans that are in "current" or "grace period" status
  • Late:Number of loans that are 16+ days late but have not charged off
  • Charged Off:Number of loans that have charged off
  • Avg. Interest Rate:Weighted average interest rate on issued loans
  • Adj. Net Annualized Return:Adjusted Net Annualized Return ("Adjusted NAR") is a cumulative, annualized measure of the return on all of the money invested in loans over the life of those loans, with an adjustment for estimated future losses.1

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Description of chart: This chart shows the net annualized return of loans by vintage, or by the year in which they were issued.

This chart includes loans issued only in the vintages displayed above.

Net Annualized Return ("NAR") is a cumulative, annualized measure of the return on all of the money invested in loans over the life of those loans.3 The NAR in this chart includes an assumed service fee of 1% for all vintages and includes actual recoveries made after charge off. Charge offs are applied in the month that the loan enters 'charged off' status.

The color of the line indicates the vintage, or the year in which the loans were issued. The numbers on the bottom of the chart indicate the number of months that have passed since the loan was issued.

You can use the controls above the chart to customize which loan grades and terms are included in the chart.

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Description of chart: This chart refers to the average nine month recovery rates by loan status for the months of January 2014, February 2014, and March 2014. For example, 25% of the outstanding principal on loans showing a status of "Grace Period" as of January 2014, February 2014, or March 2014 reached a "net charge off" status within the following nine months (on or before September 2014, October 2014, and November 2014, respectively). "Net charge offs" are equal to the total principal amount charged off less any funds recovered within three months of the last day of the applicable nine month period. For example, if a loan was in "Grace Period" in January 2014,the principal amount of $1,000 was charged off in September 2014, and $100 was recovered in October 2014, the net charge offs for that loan would be $900.

** Delinquency bucket formula:[ Sum(Amount_due - Fees - Amount_Received)/sum(Monthly_Contractual_Amount_due)] For example: Amount due =$60, Fees=$15, Amount_Received=$5, Contractual_Amount_due=30, bucket=2 (61-90 Days Past due).

1. Adjusted NAR models potential losses on a loan prior to that loan being charged off. Adjusted NAR is calculated using the formula described here. It is based on monthly borrower payments actually received net of service and collections fees, actual charge offs, recoveries, and estimated future losses. To estimate future losses, we apply a loss rate estimate to the outstanding principal of any loans that are past-due but not charged off. The loss rate estimate is based on historical charge off rates by loan grade and loan status over a 9-month period. Historical returns are not a promise of future results. Lending Club Notes are not insured or guaranteed and investors may have negative returns. Individual portfolio results may be impacted by, among other things, the diversity of the portfolio, exposure to any single borrower or group of borrowers, as well as macroeconomic conditions.
2. Historical returns are not a promise of future results. Lending Club Notes are not insured or guaranteed and investors may have negative returns. Individual portfolio results may be impacted by, among other things, the diversity of the portfolio, exposure to any single borrower or group of borrowers, as well as macroeconomic conditions.
3. NAR is calculated using the formula described here. It is based on monthly borrower payments actually received net of Lending Club's service fees, actual charge offs, and recoveries. Historical returns are not a promise of future results. Lending Club Notes are not insured or guaranteed and investors may have negative returns. Individual portfolio results may be impacted by, among other things, the diversity of the portfolio, exposure to any single borrower or group of borrowers, as well as macroeconomic conditions. Please note: "Public Note Offering" refers to the performance of all loans facilitated on the Lending Club platform that meet the criteria described in the Lending Club prospectus
Additional Statistics

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Andy

"The interest rate on my loan through Lending Club is a third less than what I was paying before, and it’s very satisfying to know that there is an end date for being done with my debt."