I have been watching the "Understanding your returns" page on my LendingClub account for about 2 years now and i have never seen this many outliers, as in, people making over 15% or even 20% based on their ANAR. I have included an attachment.

Maybe there was 1, or 2 people in this range with over 10 months Average age of their portfolio, but now there are quite a few. And since rates have gone down, I do not see how there are so many outliers. I would hope that LendingClub would not stage this page to show that there is potential for higher returns, but with the history of watching this page over the years, I do not believe this data. What are your thoughts?