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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Vintage Curve Update — 06/12/2008
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
Saving 1.25%
August 6th, 2007 — Financial Education, Lending Club, base, calculations, graph, heloc, offered, reduction, repaid, shows from Mike Smith @ Lending Club
In the course of writing my recent post on how Lending Club rates are comparable with HELOC, an interesting point came up. I noticed when I was calculating the reduction of interest payments that if you could lower your rate by 1.25%, the starting interest rate factored into the savings as well.
At first glance, you [...]
