DTI 30–35
- F4 Low · Performance
DTI 30–35: 23.7% charged off against 17.2% for the book.
Against the book
| Measure | Segment | Book |
|---|---|---|
| Loans | 60,650 | 886,837 |
| Share of balance | 6.8% | 100.0% |
| Charge-off rate by count | 23.7%±0.5 | 17.2% |
| Charge-off rate by balance | 24.8% | 18.1% |
| WA score | 693.1 | 697 |
| WA rate | 15.2% | 13.6% |
| WA DTI | 32.27 | 18.34 |
| Income verified | 82.0% | 70.8% |
At equal age
Cumulative charge-off rate by months on book, segment against book.
Holds at equal age: at month 36 the segment is 6.2 points above the book.
Where the mix differs
-
Term 36-month: 47.3% against 59.2% of balance
-
Term 60-month: 52.7% against 40.8% of balance
-
Grade A: 5.6% against 15.9% of balance
-
Income verification Verified: 47.9% against 38.2% of balance
-
Grade D: 25.3% against 16.5% of balance
Segment Book
Mix or rate
-
Mix (the segment holds riskier grades): 3.3 points
-
Rate (worse within the same grade): 3.2 points
Of the 6.5 point gap, 3.3 points are mix and 3.2 points are rate.
Narrative
Generated from the numbers above by a language model.
DTI 30–35 charge off at 23.7% against 17.2% for the portfolio. Avg DTI 32.3% against 18.1 and median annual income 52500 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 |
|---|---|---|---|---|---|
| 60055642 | C | 13.7% | Charged off | 39 | $10.0k |
| 63979490 | D | 16.6% | Charged off | 39 | $12.2k |
| 64200584 | E | 18.5% | Charged off | 39 | $5.4k |
| 64381370 | B | 11.0% | Charged off | 39 | $10.2k |
| 64802784 | C | 12.6% | Charged off | 39 | $8.0k |
| 10123630 | C | 12.6% | Current | 39 | $24.0k |
| 12479284 | D | 15.4% | Current | 39 | $15.0k |
| 63968376 | D | 17.0% | Current | 39 | $10.0k |
| 65404359 | E | 18.2% | Late | 39 | $17.3k |
| 565825 | A | 7.3% | Paid | 39 | $14.0k |
| 577926 | E | 19.9% | Paid | 39 | $6.5k |
| 59130677 | B | 9.2% | Paid | 39 | $19.5k |
| 60346284 | C | 12.6% | Paid | 39 | $10.0k |
| 63509514 | C | 13.2% | Paid | 39 | $12.1k |
| 63889821 | A | 7.9% | Paid | 39 | $9.4k |
| 63919292 | A | 7.9% | Paid | 39 | $18.0k |
| 63949402 | B | 9.2% | Paid | 39 | $9.0k |
| 63958717 | A | 6.9% | Paid | 39 | $9.6k |
| 63978969 | C | 12.0% | Paid | 39 | $12.8k |
| 64181009 | B | 9.2% | Paid | 39 | $25.0k |
| 64220346 | D | 17.0% | Paid | 39 | $12.8k |
| 64541148 | A | 7.9% | Paid | 39 | $16.0k |
| 64571149 | D | 16.6% | Paid | 39 | $9.6k |
| 64741295 | B | 11.5% | Paid | 39 | $28.0k |
| 64923476 | C | 12.0% | Paid | 39 | $5.0k |