60-month loans
- F1 High · Performance
60-month loans: 25.0% charged off against 17.2% for the book.
Against the book
| Measure | Segment | Book |
|---|---|---|
| Loans | 266,271 | 886,837 |
| Share of balance | 40.8% | 100.0% |
| Charge-off rate by count | 25.0%±0.3 | 17.2% |
| Charge-off rate by balance | 24.6% | 18.1% |
| WA score | 695.9 | 697 |
| WA rate | 16.2% | 13.6% |
| WA DTI | 19.5 | 18.34 |
| Income verified | 84.2% | 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 5.7 points above the book.
By origination year
2010 cohort
2011 cohort
2012 cohort
2013 cohort
2014 cohort
2015 cohort
Where the mix differs
-
Grade A: 1.8% against 15.9% of balance
-
Grade B: 15.9% against 26.5% of balance
-
Grade E: 18.9% against 9.7% of balance
-
Income verification Not Verified: 13.1% against 21.9% of balance
-
Grade D: 23.5% against 16.5% of balance
Segment Book
Mix or rate
-
Mix (the segment holds riskier grades): 6.0 points
-
Rate (worse within the same grade): 1.7 points
Of the 7.7 point gap, 6.0 points are mix and 1.7 points are rate.
Narrative
Generated from the numbers above by a language model.
60-month loans charge off at 25.0% against 17.2% for the portfolio. Average loan size is 20059.7 against 14759.6 and share_term_over_36m_pct 100.0 against 30.0.
Loans
Sample of 25, stratified by status.
Download is available on uploaded portfolios.
| Loan id | Grade | Rate | Status | Months on book | Original balance |
|---|---|---|---|---|---|
| 10595592 | C | 12.6% | Charged off | 39 | $35.0k |
| 15731367 | C | 14.5% | Charged off | 39 | $21.0k |
| 17533097 | F | 23.0% | Charged off | 39 | $21.0k |
| 39602678 | D | 15.4% | Charged off | 39 | $32.0k |
| 47380348 | D | 17.9% | Charged off | 39 | $19.2k |
| 59453108 | C | 13.2% | Charged off | 39 | $24.0k |
| 10123630 | C | 12.6% | Current | 39 | $24.0k |
| 12479284 | D | 15.4% | Current | 39 | $15.0k |
| 38447056 | D | 17.6% | Current | 39 | $35.0k |
| 54313445 | C | 13.2% | Current | 39 | $27.0k |
| 614874 | E | 19.0% | Current | 39 | $10.0k |
| 41051455 | D | 15.4% | Late | 39 | $12.0k |
| 19057411 | C | 12.6% | Paid | 39 | $30.0k |
| 21120613 | D | 17.6% | Paid | 39 | $15.0k |
| 33160402 | D | 15.4% | Paid | 39 | $10.0k |
| 38528912 | B | 10.6% | Paid | 39 | $12.0k |
| 46614040 | C | 13.7% | Paid | 39 | $16.8k |
| 56087656 | B | 9.8% | Paid | 39 | $24.0k |
| 59130677 | B | 9.2% | Paid | 39 | $19.5k |
| 63014427 | B | 10.0% | Paid | 39 | $18.0k |
| 63406493 | D | 15.4% | Paid | 39 | $16.0k |
| 63417366 | F | 26.0% | Paid | 39 | $14.4k |
| 63430275 | C | 13.7% | Paid | 39 | $21.0k |
| 63449563 | B | 8.2% | Paid | 39 | $28.0k |
| 63485356 | E | 18.2% | Paid | 39 | $10.0k |