My LendingClub Dashboard

Above is my LendingClub Dashboard.  Of late, LendingClub is offering higher rate loans that still meet my criteria so the hope is that I can buy some 12%+ product.  My charged off rate has tailed off a bit since I tightened my buy box about six months ago but we will see if this actually comes to fruition as these loans tend to default after about 22 months (at least in my portfolio).  I only buy 3yr loans.