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. Loan Performance Summary. | ROI: | 8.31% (+-1.53%) | | Rate of Loss: | 7.25% | | Total Lent: | 19438 loans, $268,770,692 | | Remaining: | $196,353,985 | | Net Gain: | $14,957,253 (+-$2,147,808) | | Credit Grade: | D3 | | Interest Rate: | 18.05% | | Loan Age: | 10.3 months |
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**Loan Age, Interest Rate, and Grade/Rating calculations do not include unbilled newly issued loans.
| Loan Breakdown* | Loans | Remaining | Original Principal | | Current: | 13464 | $159,899,508 | $191,452,155 | | Issued: | 2185 | $28,438,375 | $28,438,375 | | Loans Paid off: | 2191 | $0 | $28,365,210 | | Current(everlate): | 1125 | $12,183,314 | $15,703,846 | | Payment Plan: | 48 | $493,297 | $740,614 | | Late 1-15: | 296 | $3,261,733 | $4,201,792 | | Late 16-30: | 62 | $693,211 | $878,311 | | Late 31-120: | 310 | $3,567,861 | $4,364,187 | | Defaults: | 882 | $8,445,700 | $10,330,048 | | Losses on delinquent loans are calculated according to the following table: | | Current(everlate): 0%-10% loss | | Payment Plan: 20%-80% loss | | 1-15 day late: 0%-50% loss | | 16-30 day late: 20%-80% loss | | 31-120 day late: 50%-100% loss | | defaulted: 98%-100% loss |
| | Average Loan Profile (weighted by loan size) | | Loan Size: | $13873 | Inquiries: | 1.1 | | Monthly Income: | $6628 | Credit History: | 14.9 yrs | | Open Lines: | 11.1 | Total Lines: | 25.1 | | % Utilization: | 67% | Revolving Debt: | $18814 | | Average DTI: | 17% | Has Mortgage: | 48.6% | | 2yr DQ's > 0: | 17.4% | Owns Home: | 7.3% | | Public Records > 0: | 6.4% | Renter: | 44% |
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Complete Performance Breakdown (for billed loans made from Jan/2010-/)
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| | Grade | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | All | 8.3% | 7.3% | 10.3 | (17253) | $240,332,317 | (13464) | $159,899,508 | (2191) | $28,365,210 | (716) | $8,016,102 | (882) | $8,445,700 | | D | 8.3% | 7.3% | 10.3 | (17253) | $240,332,317 | (13464) | $159,899,508 | (2191) | $28,365,210 | (716) | $8,016,102 | (882) | $8,445,700 | | | Year | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 2010 | 6.8% | 6.9% | 33.8 | (1885) | $20,025,857 | (605) | $2,343,693 | (895) | $10,197,199 | (57) | $261,713 | (328) | $2,057,228 | | 2011 | 6.7% | 7.9% | 22.5 | (2796) | $36,231,481 | (1742) | $14,134,687 | (587) | $7,772,294 | (145) | $1,385,490 | (322) | $3,158,139 | | 2012 | 9.1% | 7.5% | 10.1 | (7323) | $113,710,279 | (6088) | $78,559,523 | (607) | $9,299,817 | (398) | $5,067,817 | (230) | $3,215,636 | | 2013 | 12.8% | 4.5% | 3.2 | (5249) | $70,364,700 | (5029) | $64,861,606 | (102) | $1,095,900 | (116) | $1,301,081 | (2) | $14,698 | | | DTI | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 0% | 4.7% | 9.4% | 15.4 | (20) | $139,753 | (9) | $60,586 | (6) | $40,900 | (0) | $0 | (5) | $12,093 | | >0-5% | 7.4% | 7.4% | 13.9 | (950) | $9,747,892 | (650) | $5,182,211 | (197) | $1,892,014 | (32) | $249,906 | (71) | $550,380 | | >5-10% | 8.1% | 7.2% | 11.7 | (2478) | $32,274,600 | (1790) | $18,951,430 | (421) | $5,498,049 | (111) | $1,224,027 | (156) | $1,193,115 | | >10-15% | 7.7% | 7.7% | 11.2 | (3661) | $51,126,214 | (2766) | $32,309,817 | (523) | $6,966,484 | (151) | $1,631,780 | (221) | $2,173,258 | | >15-20% | 9.4% | 6.3% | 10.8 | (4193) | $60,621,384 | (3293) | $39,936,118 | (553) | $7,553,974 | (158) | $1,858,053 | (189) | $1,918,367 | | >20-25% | 7.4% | 8.1% | 10.6 | (3587) | $51,348,335 | (2794) | $34,436,115 | (420) | $5,388,418 | (167) | $1,770,829 | (206) | $2,148,846 | | >25-30% | 8.9% | 7.7% | 6.6 | (1572) | $23,488,139 | (1431) | $19,295,348 | (48) | $689,071 | (65) | $896,227 | (28) | $373,591 | | >30% | 11.5% | 5.6% | 6.2 | (792) | $11,586,000 | (731) | $9,727,884 | (23) | $336,300 | (32) | $385,280 | (6) | $76,050 | | | Home | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | Owner | 7.9% | 7.7% | 9.4 | (1383) | $17,805,018 | (1109) | $12,180,980 | (160) | $1,908,848 | (50) | $564,114 | (64) | $581,709 | | Renter | 7.4% | 7.9% | 10.5 | (8738) | $106,079,587 | (6762) | $68,414,125 | (1090) | $12,838,446 | (404) | $4,057,636 | (482) | $4,176,909 | | Mortgage | 9.2% | 6.6% | 10.3 | (7123) | $116,290,262 | (5585) | $79,174,887 | (940) | $13,607,166 | (262) | $3,394,352 | (336) | $3,687,082 | | Other | 18.2% | 0% | 6.6 | (9) | $157,450 | (8) | $129,516 | (1) | $10,750 | (0) | $0 | (0) | $0 | | | Purpose | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | Car | 6.6% | 8.1% | 16.6 | (217) | $1,677,910 | (147) | $781,289 | (48) | $367,933 | (8) | $78,606 | (14) | $111,082 | | Credit Card | 10.8% | 5.3% | 9.5 | (2666) | $38,995,770 | (2207) | $27,387,150 | (302) | $4,158,788 | (89) | $1,043,713 | (68) | $834,698 | | Debt Con. | 8.6% | 7% | 10.1 | (10010) | $151,949,618 | (7876) | $102,859,343 | (1211) | $17,212,258 | (453) | $5,102,138 | (470) | $4,916,006 | | Educational | 1.3% | 11.7% | 35.6 | (18) | $104,725 | (2) | $6,259 | (7) | $45,081 | (1) | $5,070 | (8) | $15,172 | | Home Imp. | 7.7% | 7.5% | 12 | (798) | $11,048,003 | (601) | $6,889,198 | (112) | $1,477,441 | (34) | $457,084 | (51) | $455,139 | | House | 10% | 5.7% | 12.1 | (115) | $1,695,773 | (80) | $1,035,700 | (20) | $285,945 | (7) | $62,790 | (8) | $52,314 | | Major Pur. | 6.8% | 7.9% | 14.6 | (420) | $3,932,838 | (274) | $2,000,023 | (93) | $840,102 | (6) | $81,109 | (47) | $263,336 | | Medical | 3.9% | 10.9% | 10.5 | (267) | $2,503,080 | (214) | $1,627,791 | (29) | $269,725 | (7) | $121,725 | (17) | $114,091 | | Moving | 7.1% | 8% | 10.3 | (177) | $1,332,911 | (137) | $859,996 | (24) | $177,076 | (6) | $33,394 | (10) | $55,443 | | Other | 6% | 9% | 10.6 | (1519) | $13,490,336 | (1159) | $8,567,704 | (194) | $1,650,385 | (62) | $530,475 | (104) | $618,329 | | Green | 0.2% | 14.3% | 10.1 | (26) | $263,175 | (19) | $147,553 | (4) | $29,025 | (3) | $45,248 | (0) | $0 | | Business | 1.5% | 12.9% | 12.3 | (587) | $9,266,561 | (417) | $5,260,789 | (78) | $1,243,034 | (26) | $331,061 | (66) | $853,557 | | Vacation | 4.4% | 10.6% | 9.9 | (118) | $691,575 | (94) | $451,209 | (15) | $52,275 | (6) | $61,326 | (3) | $14,171 | | Wedding | 8.7% | 6.5% | 12.2 | (315) | $3,380,042 | (237) | $2,025,505 | (54) | $556,142 | (8) | $62,363 | (16) | $142,360 | | | Inquiries | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 0 | 9.9% | 5.9% | 10.7 | (6588) | $93,331,991 | (5202) | $62,226,198 | (861) | $11,142,533 | (249) | $2,784,343 | (276) | $2,641,375 | | 1 | 8.6% | 7.1% | 10.1 | (5367) | $74,953,745 | (4266) | $50,653,086 | (633) | $8,249,581 | (234) | $2,753,243 | (234) | $2,357,658 | | 2 | 7.4% | 8.1% | 9.9 | (3190) | $44,347,268 | (2504) | $29,680,557 | (386) | $5,309,048 | (133) | $1,476,630 | (167) | $1,698,061 | | 3 | 4.4% | 10.6% | 9.9 | (1594) | $21,343,867 | (1203) | $13,943,425 | (192) | $2,396,173 | (80) | $798,632 | (119) | $1,159,121 | | 4 | 5.9% | 8.3% | 9.8 | (246) | $3,203,428 | (167) | $2,064,880 | (46) | $504,001 | (6) | $84,019 | (27) | $149,663 | | 5 | -0.7% | 13.7% | 13.1 | (127) | $1,602,144 | (61) | $754,466 | (37) | $437,428 | (4) | $27,659 | (25) | $170,111 | | 6 | -3.5% | 16.3% | 16.9 | (89) | $950,665 | (43) | $391,314 | (20) | $176,097 | (7) | $79,708 | (19) | $126,112 | | 7+ | -6% | 18.6% | 23.6 | (52) | $599,209 | (18) | $185,583 | (16) | $150,349 | (3) | $11,867 | (15) | $143,599 | | | Term | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 36 | 8.6% | 6.9% | 9.3 | (11751) | $140,182,808 | (9185) | $89,059,853 | (1554) | $18,377,872 | (512) | $4,866,032 | (500) | $3,822,240 | | 60 | 8% | 7.6% | 11.6 | (5502) | $100,149,509 | (4279) | $70,839,656 | (637) | $9,987,338 | (204) | $3,150,070 | (382) | $4,623,460 | | | Income | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 0-999 | -1.5% | 15.2% | 12.5 | (25) | $59,100 | (18) | $33,410 | (2) | $5,400 | (0) | $0 | (5) | $7,337 | | 1000-1999 | 4.2% | 10.2% | 12.1 | (507) | $2,231,057 | (369) | $1,290,299 | (69) | $297,789 | (21) | $66,069 | (48) | $150,487 | | 2000-2999 | 5.4% | 9.5% | 10.3 | (2118) | $15,784,787 | (1712) | $10,596,687 | (193) | $1,267,202 | (84) | $555,159 | (129) | $777,297 | | 3000-3999 | 7% | 8.4% | 10.2 | (3099) | $33,603,878 | (2398) | $22,221,081 | (381) | $3,683,755 | (161) | $1,521,333 | (159) | $1,260,950 | | 4000-4999 | 7.4% | 8.1% | 10.5 | (2969) | $38,976,392 | (2345) | $26,306,147 | (325) | $3,926,536 | (131) | $1,390,950 | (168) | $1,629,880 | | 5000-5999 | 8.4% | 7.2% | 9.9 | (2785) | $41,783,098 | (2199) | $28,602,297 | (356) | $4,736,709 | (103) | $1,169,776 | (127) | $1,465,351 | | 6000-6999 | 8.8% | 6.9% | 10.2 | (1716) | $28,648,007 | (1347) | $19,327,046 | (232) | $3,288,955 | (69) | $969,595 | (68) | $817,782 | | 7000-7999 | 8.4% | 7.1% | 10.8 | (1247) | $21,765,513 | (948) | $14,015,874 | (183) | $2,856,546 | (48) | $750,118 | (68) | $824,777 | | 8000-8999 | 9.3% | 6.4% | 10.7 | (790) | $15,244,255 | (601) | $9,800,305 | (130) | $2,251,981 | (30) | $543,676 | (29) | $437,342 | | 9000-9999 | 8.7% | 7.1% | 9.8 | (484) | $9,665,143 | (375) | $6,530,783 | (69) | $1,230,686 | (18) | $267,376 | (22) | $325,018 | | 10000-11999 | 10.6% | 5.2% | 10.6 | (762) | $15,589,138 | (579) | $10,051,020 | (125) | $2,375,854 | (24) | $376,854 | (34) | $414,504 | | 12000-14999 | 11.5% | 4.6% | 10.2 | (378) | $8,108,470 | (298) | $5,532,503 | (52) | $929,001 | (15) | $165,624 | (13) | $194,228 | | 15000+ | 11.8% | 4.2% | 10.8 | (373) | $8,873,479 | (275) | $5,592,057 | (74) | $1,514,796 | (12) | $239,573 | (12) | $140,746 | | | Employment | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | n/a | 8.2% | 7.5% | 8.5 | (594) | $6,852,850 | (498) | $4,986,453 | (48) | $530,205 | (24) | $236,107 | (24) | $172,923 | | < 1 year | 7.4% | 7.8% | 11.4 | (1368) | $16,522,015 | (1019) | $10,080,775 | (212) | $2,538,901 | (54) | $508,597 | (83) | $763,276 | | 1 year | 7.9% | 7.5% | 10.5 | (1202) | $14,900,924 | (924) | $9,623,820 | (153) | $1,910,571 | (52) | $578,010 | (73) | $566,066 | | 2 year | 8.7% | 6.7% | 10.7 | (1655) | $20,893,046 | (1251) | $13,484,287 | (244) | $2,588,835 | (70) | $786,006 | (90) | $670,887 | | 3 year | 8.2% | 7.1% | 11.2 | (1442) | $19,114,204 | (1082) | $12,216,948 | (212) | $2,534,425 | (46) | $476,355 | (102) | $811,312 | | 4 year | 8.8% | 6.6% | 11.9 | (1270) | $16,295,816 | (944) | $9,908,602 | (204) | $2,393,750 | (52) | $566,999 | (70) | $587,862 | | 5 year | 7.9% | 7.6% | 10.5 | (1470) | $19,643,446 | (1133) | $12,663,599 | (197) | $2,566,595 | (76) | $828,191 | (64) | $636,513 | | 6 year | 7.8% | 7.7% | 10.3 | (1129) | $16,058,162 | (877) | $10,538,268 | (140) | $2,028,933 | (56) | $622,437 | (56) | $554,964 | | 7 year | 8.6% | 7.3% | 10 | (955) | $13,859,350 | (785) | $9,668,109 | (94) | $1,204,372 | (34) | $390,151 | (42) | $523,035 | | 8 year | 8.3% | 7.2% | 10.2 | (683) | $9,839,044 | (526) | $6,351,227 | (100) | $1,472,774 | (27) | $301,489 | (30) | $344,087 | | 9 year | 7.3% | 8.2% | 10.2 | (608) | $8,713,667 | (464) | $5,725,827 | (85) | $1,178,395 | (31) | $360,429 | (28) | $304,028 | | 10+ yrs | 8.7% | 7.1% | 9.7 | (4877) | $77,639,793 | (3961) | $54,651,593 | (502) | $7,417,454 | (194) | $2,361,330 | (220) | $2,510,747 | | | Credit Hist. | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 3-4 yrs | 5.2% | 9% | 14.3 | (404) | $2,492,268 | (239) | $1,140,907 | (105) | $631,230 | (14) | $42,797 | (46) | $187,225 | | 4-5 yrs | 5.2% | 9.6% | 12.6 | (595) | $4,843,412 | (411) | $2,621,396 | (99) | $804,945 | (26) | $148,580 | (59) | $330,596 | | 5-7 yrs | 8.5% | 7% | 10.5 | (1552) | $16,389,637 | (1232) | $10,549,911 | (198) | $2,152,518 | (49) | $407,095 | (73) | $610,367 | | 7-10 yrs | 7.8% | 7.5% | 11.2 | (2506) | $29,450,657 | (1900) | $18,089,160 | (355) | $4,363,672 | (117) | $1,137,575 | (134) | $1,095,825 | | 10-15 yrs | 7.7% | 7.7% | 10.5 | (6124) | $87,265,576 | (4767) | $57,445,643 | (770) | $10,220,847 | (263) | $3,124,133 | (324) | $3,388,079 | | 15-20 yrs | 9.5% | 6.4% | 9.8 | (3392) | $54,835,772 | (2728) | $38,294,351 | (386) | $5,778,519 | (144) | $1,778,953 | (134) | $1,468,703 | | 20-25 yrs | 8.4% | 7.3% | 9.9 | (1508) | $25,319,908 | (1208) | $17,330,732 | (175) | $2,743,299 | (62) | $881,842 | (63) | $854,321 | | 25-34 yrs | 9.5% | 6.4% | 9.4 | (945) | $15,863,654 | (783) | $11,531,098 | (87) | $1,388,730 | (32) | $404,363 | (43) | $421,583 | | >34 yrs | 10.6% | 5.5% | 9 | (227) | $3,871,433 | (196) | $2,896,312 | (16) | $281,450 | (9) | $90,765 | (6) | $89,002 | | | Open Lines | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 2 | 4.4% | 9.9% | 16.8 | (193) | $1,264,594 | (118) | $580,112 | (44) | $250,839 | (5) | $37,931 | (26) | $119,858 | | 3-4 | 6.1% | 8.6% | 14.7 | (1164) | $9,940,208 | (768) | $4,923,059 | (241) | $1,998,907 | (55) | $366,253 | (100) | $615,057 | | 5-6 | 8% | 7.2% | 11.9 | (2301) | $25,713,018 | (1765) | $15,946,955 | (310) | $3,415,787 | (88) | $747,307 | (138) | $1,117,084 | | 7-8 | 8.1% | 7.3% | 10.9 | (3096) | $40,454,671 | (2405) | $26,354,479 | (402) | $5,083,206 | (122) | $1,324,957 | (167) | $1,517,798 | | 9-10 | 8.6% | 7% | 10.2 | (3127) | $44,197,303 | (2469) | $29,716,750 | (366) | $4,711,511 | (158) | $1,872,660 | (134) | $1,330,938 | | 11-14 | 8.6% | 7.1% | 9.8 | (4336) | $68,308,816 | (3455) | $46,510,487 | (513) | $8,054,481 | (182) | $2,341,926 | (186) | $2,156,759 | | 15-16 | 9% | 6.9% | 9.4 | (1188) | $19,907,032 | (991) | $14,317,046 | (109) | $1,745,138 | (34) | $409,284 | (54) | $695,954 | | 17-18 | 8.6% | 7.3% | 8.9 | (753) | $13,017,011 | (608) | $9,157,638 | (85) | $1,351,773 | (29) | $444,263 | (31) | $370,968 | | 19-20 | 7.8% | 7.8% | 9.1 | (482) | $8,154,459 | (391) | $5,824,346 | (46) | $696,035 | (23) | $276,553 | (22) | $266,596 | | 21+ | 9.4% | 6.4% | 8.9 | (613) | $9,375,205 | (494) | $6,568,635 | (75) | $1,057,533 | (20) | $194,968 | (24) | $254,689 | | | Total Lines | | ROI | | Loss | | Age(m) |
| Total Lent | | Current |
| Paid Off | | Late | | Defaulted | | 3 | -4.7% | 17.4% | 18.4 | (53) | $241,750 | (26) | $70,979 | (15) | $69,700 | (4) | $10,653 | (8) | $38,958 | | 4-6 | 5.5% | 9.2% | 13.8 | (614) | $4,205,964 | (436) | $2,284,204 | (96) | $615,721 | (24) | $113,428 | (58) | $308,174 | | 7-9 | 5.8% | 9% | 12.4 | (1060) | $9,063,587 | (779) | $5,301,280 | (152) | $1,236,409 | (44) | $264,540 | (85) | $551,868 | | 10-12 | 8% | 7.4% | 11 | (1536) | $16,641,985 | (1210) | $10,778,859 | (184) | $1,874,909 | (61) | $635,295 | (81) | $562,874 | | 13-15 | 8.8% | 6.7% | 11.2 | (1766) | $20,893,196 | (1374) | $13,266,720 | (230) | $2,632,954 | (69) | $678,091 | (93) | $732,424 | | 16-18 | 8% | 7.5% | 10.4 | (1888) | $24,508,076 | (1492) | $16,472,672 | (216) | $2,736,128 | (82) | $892,545 | (98) | $862,317 | | 19-24 | 8.3% | 7.3% | 10.2 | (3606) | $52,455,890 | (2838) | $34,888,066 | (442) | $6,249,531 | (167) | $1,957,885 | (159) | $1,763,226 | | 25-30 | 8.7% | 7% | 10.1 | (2803) | $45,032,512 | (2236) | $30,966,594 | (324) | $4,666,623 | (103) | $1,326,236 | (140) | $1,584,014 | | 31-33 | 8.3% | 7.4% | 9.9 | (1015) | $16,956,517 | (806) | $11,478,766 | (119) | $1,879,400 | (46) | $633,130 | (44) | $555,947 | | 34-36 | 8.3% | 7.3% | 9.7 | (807) | $13,741,829 | (639) | $9,506,249 | (101) | $1,539,505 | (33) | $416,417 | (34) | $433,331 | | 37-39 | 5.8% | 9.4% | 9.9 | (584) | $9,914,829 | (432) | $6,448,144 | (92) | $1,375,251 | (23) | $308,552 | (37) | $490,326 | | 40-42 | 10.6% | 5.5% | 9.4 | (466) | $8,157,769 | (373) | $5,694,925 | (60) | $954,362 | (22) | $293,480 | (11) | $143,317 | | 43+ | 10.6% | 5.3% | 9.5 | (1055) | $18,518,413 | (823) | $12,742,051 | (160) | $2,534,717 | (38) | $485,851 | (34) | $418,924 |
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