DTI 35+
- F5 Low · Performance
DTI 35+: 26.7% charged off against 17.2% for the book.
Against the book
| Measure | Segment | Book |
|---|---|---|
| Loans | 20,594 | 886,837 |
| Share of balance | 2.3% | 100.0% |
| Charge-off rate by count | 26.7%±0.9 | 17.2% |
| Charge-off rate by balance | 27.5% | 18.1% |
| WA score | 692.6 | 697 |
| WA rate | 15.9% | 13.6% |
| WA DTI | 37.39 | 18.34 |
| Income verified | 77.0% | 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 9.4 points above the book.
Where the mix differs
-
Term 60-month: 55.9% against 40.8% of balance
-
Term 36-month: 44.1% against 59.2% of balance
-
Grade B: 12.3% against 26.5% of balance
-
Grade A: 2.1% against 15.9% of balance
-
Grade D: 30.3% against 16.5% of balance
Segment Book
Mix or rate
-
Mix (the segment holds riskier grades): 5.7 points
-
Rate (worse within the same grade): 3.7 points
Of the 9.4 point gap, 5.7 points are mix and 3.7 points are rate.
Narrative
Generated from the numbers above by a language model.
DTI 35+ charge off at 26.7% against 17.2% for the portfolio. Avg DTI 37.4% against 18.1% and median annual income 50000 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 |
|---|---|---|---|---|---|
| 15731367 | C | 14.5% | Charged off | 39 | $21.0k |
| 64913643 | D | 15.4% | Charged off | 39 | $4.0k |
| 64967806 | D | 15.4% | Charged off | 39 | $24.0k |
| 64969051 | C | 13.2% | Charged off | 39 | $5.0k |
| 65008461 | C | 14.5% | Charged off | 39 | $28.0k |
| 65019631 | G | 26.8% | Charged off | 39 | $14.1k |
| 64923553 | C | 12.6% | Current | 39 | $28.0k |
| 65019345 | D | 17.0% | Current | 39 | $17.9k |
| 65067781 | E | 20.0% | Current | 39 | $10.8k |
| 64969021 | C | 13.7% | Late | 39 | $35.0k |
| 63406493 | D | 15.4% | Paid | 39 | $16.0k |
| 63938626 | E | 18.5% | Paid | 39 | $23.0k |
| 63988462 | C | 13.7% | Paid | 39 | $15.0k |
| 64047233 | C | 13.2% | Paid | 39 | $8.0k |
| 64059701 | D | 17.9% | Paid | 39 | $8.8k |
| 64160313 | B | 10.6% | Paid | 39 | $10.0k |
| 64160628 | B | 10.0% | Paid | 39 | $30.0k |
| 64260128 | C | 13.7% | Paid | 39 | $6.0k |
| 64451182 | C | 12.1% | Paid | 39 | $12.0k |
| 64822729 | C | 12.0% | Paid | 39 | $6.4k |
| 64872679 | B | 10.6% | Paid | 39 | $8.0k |
| 64968407 | C | 14.3% | Paid | 39 | $8.0k |
| 65037581 | D | 15.4% | Paid | 39 | $5.6k |
| 65108226 | E | 21.0% | Paid | 39 | $1.4k |
| 65180743 | B | 9.8% | Paid | 39 | $10.0k |