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July 23rd, 2008 — , Prosper.com, Statistics, Strategy, Tools, aa, axis, credit grade, credit history, curves, data export, loan origination, loans, methodolgy, private data, slopes, sql from RateLadder @ Rate Ladder
The methodolgy or the sql for obtaining the data these curves from the private data export has already been explained in detail, but briefly…
The Y axis is the percentage of all loans orginated of a given age that are currently 1 month late or worse…
The X axis is the days loan origination.
The curves stop when [...]
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Continue reading → Prosper 1 Month Late or Worse Curves
July 23rd, 2008 — , Prosper.com, Statistics, Strategy, Tools, aa, axis, credit grade, credit history, curves, data export, loan origination, loans, methodolgy, private data, slopes, sql from RateLadder @ Rate Ladder
The methodolgy or the sql for obtaining the data these curves from the private data export has already been explained in detail, but briefly…
The Y axis is the percentage of all loans orginated of a given age that are currently 1 month late or worse…
The X axis is the days loan origination.
The curves stop when [...]
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Continue reading → Prosper 1 Month Late or Worse Curves
June 12th, 2008 — , Prosper.com, Statistics, Strategy, Tools, axis, credit grade, curves, delta, dpd, graph, l key, mld, percentage basis, population, private data, sql, university of maryland from RateLadder @ P2P Lending
Brief Explanation: These curves show the entire set of prosper loan broken down by credit grade and lined up along the x axis on their origination date… As a loan goes late (1 month or worse) it is counted (either by amount or by count) as late against the population…
Recently a study from the University [...]
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Continue reading → Vintage Curve Update — 06/12/2008
June 4th, 2008 — , 6m, Credit Grades, Prosper.com, Statistics, aa c, credit grade, great news, loan volume, loans, momentum from RateLadder @ P2P Lending
(sql to produce statistics at the end of post)
In May, Prosper originated more loan volume than in any previous month roughly 9.6M loans the vast majority were credit grades AA-C. This is great news for Prosper on 2 fronts: total volume and loan quality. Here is the breakdown…
May 2008 Prosper Origiantions
Credit Grade
Loans
Amount
Amt / Loan
% total
AA
223
$2,003,970
$8,986
20.9%
A
225
$1,924,277
$8,552
20.0%
B
270
$2,084,555
$7,721
21.7%
C
388
$1,979,505
$5,102
20.6%
D
295
$1,202,235
$4,075
12.5%
E
82
$185,909
$2,267
1.9%
HR
120
$220,425
$1,837
2.3%
Total
1603
$9,600,876
$5,989
All [...]
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Continue reading → Prosper in May Set a New Monthly Loan Origination Volume High Water Mark