Credit scores 660–679 to 750+
- F3 Medium · Ladder
Score band ladder spans 3.0× against 7.0× for grade.
Against the book
| Measure | Segment | Book |
|---|---|---|
| Loans | 367,059 | 886,837 |
| Share of balance | 38.1% | 100.0% |
| Charge-off rate by count | 19.4%±0.2 | 17.2% |
| Charge-off rate by balance | 20.7% | 18.1% |
| WA score | 687.2 | 697 |
| WA rate | 14.4% | 13.6% |
| WA DTI | 17.73 | 18.34 |
| Income verified | 71.8% | 70.8% |
At equal age
Cumulative charge-off rate by months on book, segment against book.
At month 36 the segment is 2.2 points above the book.
By origination year
2008 cohort
2009 cohort
2010 cohort
2011 cohort
2012 cohort
2013 cohort
2014 cohort
2015 cohort
Where the mix differs
-
Grade B: 21.4% against 26.5% of balance
-
Home ownership Mortgage: 52.0% against 55.5% of balance
-
Home ownership Rent: 38.3% against 35.0% of balance
-
Grade D: 19.4% against 16.5% of balance
-
Grade A: 13.0% against 15.9% of balance
Segment Book
Mix or rate
-
Mix (the segment holds riskier grades): 1.7 points
-
Rate (worse within the same grade): 0.5 points
Of the 2.2 point gap, 1.7 points are mix and 0.5 points are rate.
Narrative
Generated from the numbers above by a language model.
Charge off at 19.4% against 17.2% for the portfolio. Avg credit score 684.7 against 694.9 and median annual income 60486 against 65000.
Loans
Sample of 25, stratified by status.
Download is available on uploaded portfolios.
| Loan id | Grade | Rate | Status | Months on book | Original balance |
|---|---|---|---|---|---|
| 17533097 | F | 23.0% | Charged off | 39 | $21.0k |
| 24514879 | C | 13.7% | Charged off | 39 | $30.0k |
| 47380348 | D | 17.9% | Charged off | 39 | $19.2k |
| 62694961 | C | 12.0% | Charged off | 39 | $7.2k |
| 63408294 | C | 13.2% | Charged off | 39 | $16.8k |
| 10123630 | C | 12.6% | Current | 39 | $24.0k |
| 12479284 | D | 15.4% | Current | 39 | $15.0k |
| 41051455 | D | 15.4% | Late | 39 | $12.0k |
| 15520190 | B | 10.6% | Paid | 39 | $7.2k |
| 20068305 | B | 9.2% | Paid | 39 | $6.0k |
| 21951321 | D | 15.4% | Paid | 39 | $20.0k |
| 25467107 | D | 15.4% | Paid | 39 | $4.0k |
| 33160402 | D | 15.4% | Paid | 39 | $10.0k |
| 361774 | B | 8.5% | Paid | 39 | $6.4k |
| 38616034 | B | 11.2% | Paid | 39 | $6.0k |
| 40307781 | B | 9.8% | Paid | 39 | $10.0k |
| 46614040 | C | 13.7% | Paid | 39 | $16.8k |
| 46847586 | C | 12.0% | Paid | 39 | $28.8k |
| 49227837 | D | 17.0% | Paid | 39 | $18.0k |
| 575499 | B | 11.2% | Paid | 39 | $15.0k |
| 577926 | E | 19.9% | Paid | 39 | $6.5k |
| 59130677 | B | 9.2% | Paid | 39 | $19.5k |
| 59441419 | C | 12.6% | Paid | 39 | $35.0k |
| 60346284 | C | 12.6% | Paid | 39 | $10.0k |
| 60951507 | A | 5.3% | Paid | 39 | $15.7k |