Lending Club Statistics

Platform: Highlights Public Note Offering: Loan StatisticsDownload Data

Investor Account Performance

Investor Account Returns by Average Age of Portfolio

The chart below shows the Adjusted Net Annualized Return of all investor accounts on the Lending Club platform that have invested in at least 100 Notes and that have not purchased or sold Notes on the Folio Investing Note Trading Platform.** Use the controls to the right of the chart to customize which accounts are included and to visualize how different factors can influence returns.*

You can customize the weighted average age of the Notes in the portfolio by moving the red bar at the bottom of the chart. Remember that the numbers at the bottom of the chart reflect the weighted average age of the Notes in a portfolio, and not the age of the account.

Net Annualized Return
Adjust returns for
past-due Notes What is this?
  Investor Population1
  Selected Investors1

Minimum Number of Notes
per Account
Notes What is this?

Portfolio Concentration
Maximum Note size is less than

of total portfolio value What is this?

Weighted Average Interest Rate
 What is this?

Benefits of Diversification


These charts illustrate how diversification-spreading an investment equally across hundreds or even thousands of Notes-can drive more solid returns. Lending Club investors with more diversified accounts have generally experienced less volatility and more solid returns than investors with more concentrated holdings. Diversification increases when you purchase additional Notes related to different borrower loans.

Diversification Can Reduce Volatility of Returns
Owning 100+ Notes Reduces Risk in Your Returns

* Data in these charts is for informational use only. It is impersonal and not individualized for any specific investor's financial situation and is not investment advice. These charts are not intended to be, nor should you interpret them to be, a prediction of how a particular portfolio will actually perform. You should always carefully consider investments in any security and you should be comfortable with your understanding of the investment. You may also consider consulting investment professionals.

Financial Innovation

Companies like Lending Club are cutting out the middle man − banks − to offer consumers the opportunity to lend money directly to others and obtain a higher return.

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"The application process was simple, and it was neat to watch the process as people invested in my loan."