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New Lendscape Focuses on Data Integrity & Industry Best Practices

We periodically update the Orchard Lendscape to reflect the most current shape of the online lending industry. 2016 saw growing concern about the quality and veracity of originator data, as well as mounting competition from traditional financial institutions, against a backdrop that included a shifting regulatory landscape and the uncertainties that often surround an incoming administration.

To highlight service providers whose offerings support operational soundness, promote confidence in data, and encourage the responsible growth of the industry, we’ve added two new buckets. One for law firms including Manatt, Pepper Hamilton, Winston & Strawn, and Kaye Scholer and another bucket called ‘Verification’ that includes eOriginal, Global Debt Registry, and VeriComply. We’ve also doubled the size of the ‘Loan Servicer’ bucket by adding PFSC, Scratch, and Orion First.

In the Originator category, those focused on student lending have continued to push the boundaries of what is possible in online lending while helping millions of students afford a college education. The success of firms like SoFi and Prodigy Finance have led to expanded offerings and business models in the space. We’ve added MPower, Credible, Climb, and Future, to the bucket of education-focused originators, more than doubling its size. Auto Lending also continues to expand. As a result, we’ve created a new bucket and added AutoFi, DriverUp, Drive Sally, Lending Club, and MotorEnvy.

While lenders and service providers work to expand available credit for those in need, institutional investors continue to explore online lending in their never-ending search for diversification and yield. Over the course of 2016, institutional investors paused to reevaluate their approach to the space, and by year-end, many had resumed investment. Standish Mellon, Credigy, and Atalaya were added to our growing list of institutional investors, as well as ‘40 Act Funds, to the expanding options investors have for gaining exposure to online lending.

As always, we hope our Orchard Lendscape provides you with a useful overview of the online lending industry. As we look back over 2016, we see an industry that has continued to progress, even while encountering some of the most significant headwinds it has experienced since its inception. We are looking forward to continued growth in 2017 and will update this graphic accordingly.

You can download the lendscape here.