GS executives are reigning in its loan origination target for 2019 citing the current state of the market as the Federal Reserve continues to raise rates, just as the personal loans are growing as fast as ever with 19.2m outstanding versus 16.9m a year ago.  Hallum analyst Brad Berning agued in a research report that the real reason for the pullback is Marcus’ annualized loss rate of 5% on its personal loans is one percentage point higher than rivals Discover and Lending Club.