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Zopa.it - facts and figures

September 29th, 2008 — , Italy, Statistics, Zopa, zopa.it from wiseclerk @ P2P-Banking.com

Zopa.it goes live: 16th January 2008*
Average gross return on money lent-out through Zopa.it: 7.66%
Average annual cost on loans (APR) borrowed through Zopa.it: 9.45%
Registered members of Zopa.it: 23,242
Total loan volume since launch: €2,787,090
Number of loans: 535
Loan volume currently under evaluation process: €336,690
Average loan amount: €5,210
Average loan duration: 31 months
Amount rate late:€6,622.24 (percentage amount late: 1.88%) = [...]

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 [...]

Prosper 1 Month Late or Worse Curves

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 [...]

Update of IRR/ROI Values July 2008

July 7th, 2008 — , Prosper.com, Statistics, Strategy, Tools from RateLadder @ P2P Lending

Another month another update… The picture is rather muddled right now between the accrued interest showing up in my account balance even on loans that are technically “charged off”and lending club changing their algorithm… All I can do is continue to track and hope fore some clarity… On a positive note I have had no [...]

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

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 [...]

Prosper in May Set a New Monthly Loan Origination Volume High Water Mark

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 [...]

RateLadder IRR/ROI 6/08 Update — 0.57% to 16.64%

June 3rd, 2008 — , Prosper.com, Statistics, Strategy, Tools from RateLadder @ P2P Lending

My account update for the month shows some general improvement…
One thing to note is that with the loans in the debt sale not sold my IRR calculation is a little out of whack… Hopefully Prosper will create the loan status of “Charged Off” and remove those accounts from my balance which will [...]

8 Listing Strategies to get Best Prosper Loan Rate

May 29th, 2008 — , 5pm, Listing Review, Prosper.com, Statistics, Strategy, benefit, blog, blogger, circumstance, default portfolio, delinquencies, dti, duration, interest rate, moving target, portfolio plan, purchasing power, reputation from RateLadder @ P2P Lending

I have several bloggers ask for advice on their listings or potential listings… One of them even joined my group and successfully received a $25K loan at an interest rate he was happy with…
As a blogger the reputation of your blog has meaning for you both in terms of your persona, but also in real [...]

RateLadder IRR/ROI 5/08 Update — (1.35%) to 15.3%

May 1st, 2008 — , Prosper.com, Statistics, Strategy, Tools, goals from RateLadder @ Rate Ladder

Well another month down… Nothing major happened that would effect my IRR/ROI (like a debt sale.) It was a fairly uneventful month for my Prosper p2p lending account, but it was a good month… My ROI/IRR is higher on 4/5 of my tracking indices (it will be 5/6 when the statements are available and I [...]SHARETHIS.addEntry({ title: “RateLadder IRR/ROI 5/08 Update — (1.35%) to 15.3%”, url: “http://www.rateladder.com/2008/05/01/rateladder-irrroi-508-update-135-to-153/” });

Time For Prosper To Drop The Bank Draft Fee?

April 14th, 2008 — , Prosper income, Statistics, state limits from Mike @ Prosperous Land Blog

Update: Darn it Prosper. Obsoleting my post less than 24 hours after I finished writing it. I’ll keep it around for posterity.

A while back, I noted that almost all portfolio-worthy loans are funding and this is driving Prosper’s loan creation engine….

Quicken ROI Update = 8.99%

April 14th, 2008 — , Prosper.com, Quicken, Statistics, Strategy, Tools from RateLadder @ Rate Ladder

With the lender statments taht were released this weekend it is possible to update my Quicken ROI…
Last month being a quiet “normal” month one would expect an increase in the quicken value… My Quicken ROI increased from 8.11% to 8.99%.

SHARETHIS.addEntry({ title: “Quicken ROI Update = 8.99%”, url: “http://www.rateladder.com/2008/04/14/quicken-roi-update-899/” });

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The WealthBoy Strict ROI for Prosper Lenders

April 11th, 2008 — , Statistics, Tools from RateLadder @ Rate Ladder

WealthBoy, whom I met at Prosper Days, has just released The WealthBoy Strict ROI for Prosper Lenders – an open source, sql based ROI calculation for Prosper Lenders. His calculation makes use of the public and private data files from Prosper. He was inspired by his Prosper Blog post: The Rule of 72 on Prosper.
TotalROI = [...]SHARETHIS.addEntry({ title: “The WealthBoy Strict ROI for Prosper Lenders”, url: “http://www.rateladder.com/2008/04/11/the-wealthboy-strict-roi-for-prosper-lenders/” });

Lending Club, Prosper.com, and more: P2P Lending News Roundup

April 10th, 2008 — , Globefunder, Lending Club, News, P2P Lending News, Prosper, Statistics, Video, interest rate, risk, roundup from Personal Loan Portfolio @ Personal Loan Portfolio

P2P Lending has been in the mainstream media news a great deal lately. I decided to post a roundup of many of the recent news articles on Prosper.com, Lending Club, Zopa, GlobeFunder, and Virgin Money. It is unfortunate that Lending Club entered a quiet period just as they were gaining tremendous growth in [...]

Prosper Listing Word Analysis

April 9th, 2008 — , Statistics, default from Mike @ Prosperous Land

Word analysis has gone in and out of vogue among Prosper lenders. Right now, it’s in vogue here at Prosperous Land. The premise is that you can get hints about the quality of a listing based on words that appear in the listing description. I’ve been me…

Alt-A And Sub-prime Interactive Map

April 3rd, 2008 — , Statistics from Mike @ Prosperous Land

The New York Federal Reserve Bank has put together a pretty entertaining interactive map showing how bad things are in the alt-A and sub-prime mortgage space (hat tip The Big Picture).

That’s the wonderful state of Texas up there. The NY Fed also publ…

Vintage Curves 04 2008 — Amount Late By Credit Grade from Origination

April 3rd, 2008 — , Prosper.com, Statistics from RateLadder @ Rate Ladder

It is time for my monthly update of the amount late vintage curves… The y axis is the percent of $$ 30 more more days late… the x axis is days from origination. The curves stop when there are less than 250 loans in the bucket.
There are ways to cut the lat percentage shown in [...]SHARETHIS.addEntry({ title: “Vintage Curves 04 2008 — Amount Late By Credit Grade from Origination”, url: “http://www.rateladder.com/2008/04/03/vintage-curves-04-2008-amount-late-by-credit-grade-from-origination/” });

February Prosper Collections Report

April 2nd, 2008 — , Prosper collections report, Statistics, collections from Mike @ Prosperous Land

This is part of my ongoing series monitoring collections efficiency (January’s report for comparison). For a reminder on the methodology, I took a snapshot of all of Prosper’s loans on February 1 and compared their current status against those same loa…

RateLadder IRR/ROI Update April 2008 — (2.6%) to 14.37%

April 2nd, 2008 — , Prosper.com, Statistics, Strategy, Tools from RateLadder @ Rate Ladder

Compared to last month with the initiation of the lawsuits… This was a quiet month. My worst number Model IRR degraded and my best number Default IRR improved. I will update quicken as soon as the lender statement become available.

SHARETHIS.addEntry({ title: “RateLadder IRR/ROI Update April 2008 — (2.6%) to 14.37%”, url: “http://www.rateladder.com/2008/04/02/rateladder-irrroi-update-april-2008-26-to-1437/” });

More On Prosper Loan Diversification

March 28th, 2008 — , Statistics, risk factor from Mike @ Prosperous Land

A while back, I had written to encourage Prosper lenders to truly diversify their loans. It’s not enough to spread your loans across different credit grades if they’re all in California, for example. Such a lender will still be vulnerable to local econ…

In Defense of Living Off Dividends

March 27th, 2008 — , Prosper.com, Statistics, Tools from RateLadder @ Rate Ladder

Living Off Dividends (aka WealthBuildingLessons (WAB) on Prosper) wrote a guest post on the Prosper Blog: Why I Love Prosper.com. The blog post has generated some heated comments due to one aspect of the post. WAB claimed “over 13% annualized returns”. When questioned what his calculation actually was he said…
I take the amount I initially deposited across [...]SHARETHIS.addEntry({ title: “In Defense of Living Off Dividends”, url: “http://www.rateladder.com/2008/03/27/in-defense-of-living-off-dividends/” });

What A Difference A Month Makes

March 27th, 2008 — , Prosper, Prosper income, Statistics from Mike @ Prosperous Land

February was not Prosper’s best month, with hitting a low for loan dollars originated. This shortfall was easily anticipated by the lower number of active listings (~1700) Prosper had during mid February. A fair amount of favorable press and Prosper Da…

Does Idle Cash Matter?

March 17th, 2008 — , Statistics from Mike @ Prosperous Land

There has been constant griping about idle cash not earning interest on Prosper. I had always assumed that the effect was small and that Prosper had better things to be doing with their time. Like fixing collections. I had never bothered to calculate i…

Prosper Vintage Curve Update 3/1/2008

March 5th, 2008 — , Prosper.com, Statistics, Strategy, Tools from RateLadder @ Rate Ladder

Vintage curves align loans at their originations date and then watch the late (30 days late or worse) percentage over time…
The lines are only as long as there are 250 loans in the bucket. The Y axis is percentage of principal amount that is 30 days late or worse and the X axis is days [...]

RateLadder IRR/ROI 3/08 Update — (2.11%) to 13.06%

March 3rd, 2008 — , Prosper Lender IRR "Game", Prosper.com, Statistics, Tools, goals from RateLadder @ Rate Ladder

This month had a major event that I think will make it hard for the various ROI sites to even track accruately anymore… The “New Agency Test” aka Prosper is suing borrowers.
For me (I opted into the pool) I had my 6 loans immidiately defaulted at $0 value. Over time as the loan pool progresses [...]

So Why The Weak February Loan Numbers?

February 29th, 2008 — Prosper, Prosper income, Statistics, portfolios from Mike @ Prosperous Land

After a strong showing in January, Prosper’s monthly loan totals have dropped to about $5.7 million. With this disappointing return, I started digging through the loan activity to find some likely culprits. I think Prosper is having problems delivering…

Prosper Steering Borrowers Away From 25K Loans

February 12th, 2008 — , Listing Review, Prosper.com, Statistics, Strategy, Tools from RateLadder @ Rate Ladder

With my recent loan on Prosper I tried to keep an eye out for interesting stories along the way. In this case I found something I didn’t like as a lender… Prosper explicitly told me not to put up a 25K listing.
As a lender and data junkie I have known for some time that loans [...]

$7.2M In January Prosper Loans, But How About February

February 11th, 2008 — Prosper, Statistics from Mike @ Prosperous Land

As was foreshadowed, Prosper succeeded in passing $7M by booking $7.18M in loans in January. This is good news for Prosper, but there are shadows on the horizon. Lending Stat’s most recent monthly estimate for February is a meager $5.25M. This number h…

February 2008 Vintage Curve Update

February 7th, 2008 — , Prosper.com, Statistics, Tools from RateLadder @ Rate Ladder

The percentage is the amount of money 1 month late or worse versus the amount of money originated. The horizontal axis is the days past origination.

January Prosper Collections Report

February 5th, 2008 — Prosper collections report, Statistics, collections from Mike @ Prosperous Land

This is part of my ongoing series monitoring collections efficiency (December’s report for comparison). For a reminder on the methodology, I took a snapshot of all of Prosper’s loans on January 1 and compared their current status against those same loa…

RateLadder Loan And Portfolio Plan Power

February 5th, 2008 — , Features, Listing Review, Prosper.com, Statistics, Strategy, Tools from RateLadder @ Rate Ladder

My Prosper Listing has 1 day left in the auction. I reached 100% funding late afternoon last Wednesday. Today is the final day to bid on my loan request. Short of an Act of God this loan is as safe as they come.
My listing fell into the the conservative portfolio plan standing order #2 whose [...]

RateLadder IRR/ROI Update Feb 1 2008 — (1.27%) to 15.52%

February 1st, 2008 — , Prosper.com, Statistics, Strategy, Tools, goals from RateLadder @ Rate Ladder

I am continuing tracking all of my IRR and ROI calculations in one place.
My Prosper current account value is $11,765.47 across 196 active loans.
I am tracking annualized IRR for model, average and default (permanent tracking page), quicken ROI, Eric’s CC ROI, and Lending Stats ROI.
Each of these tools uses a different calculation and therefore each [...]

Chimp’s Take On Portfolios and Guidance

February 1st, 2008 — Lenders, Statistics, bidding guidance, portfolios from Mike @ Prosperous Land

LoanChimp has taken to writing about Prosper’s statistics behind the portfolios and lender bidding guidance. They’re good reads and worth understanding if you’re interested in more than push-button lending. This is not to say that Prosper’s advances he…

Prosper Threatening $7 Million Month In January

January 28th, 2008 — Prosper, Statistics from Mike @ Prosperous Land

LendingStats recently added a terrific feature that extrapolates the dollar amount of loans expected to completely in a month. They’ve been estimating January to be a $7M month for over a week, and it looks like it’s an actual possibility with Prosper …

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Additional Details On Prosper’s Default Sale

January 25th, 2008 — Statistics, debt sale from Mike @ Prosperous Land

One of the advantages of tracking how loans age is that some interesting tid-bits appear. Prosper finished a just-in-time-for-tax-year debt sale at the end of December. While researching the loan aging during December, I extracted a few details about t…

Prosper Adjusts Portfolio, Lender Bidding Guidance Criteria

January 12th, 2008 — Prosper, Prosper upgrade, Statistics from Mike @ Prosperous Land

Just as they had done last month, Prosper has yet again refreshed the portfolio and lender bidding guidance statistics. Unlike last time, these changes are large and significant. Both are now making extensive use of DTI and loan amount, two known risk …

December Collections Report

January 10th, 2008 — Prosper collections report, Statistics, collections from Mike @ Prosperous Land

If a 150″ flat panel isn’t enough for you, how about some collections info…

This is part of my ongoing series monitoring collections efficiency (November’s report for comparison). For a reminder on the methodology, I took a snapshot of the loans on …

Lending Club Performance Updates

January 7th, 2008 — Announcements, Features, Lending Club, Statistics, intent, pages, performance, projections, ranking, reliable, section from Patrick Gannon @ Better Rates. Together.

We are focused on making our person-to-person lending site as simple and reliable as possible. As Barron’s wrote this weekend, Lending Club and other P2P lending sites strive to be “highly automated, remarkably transparent, and employ Web 2.0-era ways of matching borrowers to lenders.” To that end, we are releasing a series of improved [...]

Prosper Vintage Curve Update — 1/1/2008

January 3rd, 2008 — , Prosper.com, Statistics, Strategy, Tools from RateLadder @ Rate Ladder

Continuing the theme of tracking the late or worse vintage curves. Each curve lasts only as long as there are 250 loans in the bucket. The curves progress in time from the loan origination date. The measurement is the percentage of money late or worse. After a debt is defaulted the net default amount is [...]

Latest Debt Sale

January 2nd, 2008 — Statistics, debt sale, default from Mike @ Prosperous Land

With the tax season upon us, Prosper is finishing their last debt sale of the year just in time for 2007 tax year write-offs (because nothing makes a tax filer more cranky than deferring write-offs while having to pay taxes on the associated income).

…

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RateLadder IRR/ROI Update — (1.07%) to 14.18%

January 2nd, 2008 — , Statistics, Strategy, Tools from RateLadder @ Rate Ladder

This month I am continuing tracking all of my IRR and ROI calculations in one place.
I am tracking annualized IRR for model, average and default (permanent tracking page), quicken ROI, Eric’s CC ROI, and Lending Stats ROI.
Each of these tools uses a different calculation and therefore each has a slightly different meaning and value… [...]

Prosper Debt Sale In Progress

December 27th, 2007 — , Prosper.com, Statistics from RateLadder @ Rate Ladder

As I mentioned several days ago a debt sale is about to be completed.
I have had 3 loans sold so far (I will update this page if more are sold)…

B Credit @15.16% interest rate, non-homeowner, sold for 9.54% of principal (borrower had not made a single payment).
C Credit @ 25% interest rate, homeowner, sold for [...]

Daily Late 0 DQ Vintage Curves

December 19th, 2007 — Prosper.com, Statistics from RateLadder @ Rate Ladder

You may have seen my Prosper vintage curves… While they were hard to make since the data had to be pulled off the Prosper Loan Performance page.
Check out the Daily Count Late Percentage Vintage curve for 0 current DQ…

Using this sql:
(You need a table alldays with 1 column aday and a row for every day). [...]

New And Shiny Collections Statistics

December 18th, 2007 — Statistics, collections from Mike @ Prosperous Land

I had proposed a new way to look at collections progress back in early December. This method took to snapshots of Prosper’s nightly data export, one month apart, and looked at how the lone status changed over time. I took my first snapshot on December …

Prosper Vintage Curves From Private Data

December 17th, 2007 — Prosper.com, Statistics, Strategy, Tools from RateLadder @ Rate Ladder

You may have seen my Prosper vintage curves… While they were hard to make since the data had to be pulled off the Prosper Loan Performance page.
With the new private lender data these vintage curves can be pulled with sql and excel great expediting the process.
Check out the Daily Count Late Percentage Vintage curve…

Using this [...]

Small Loans Less Risk, Large Loans More Risk

December 14th, 2007 — Prosper.com, Statistics, Strategy, Tools from RateLadder @ Rate Ladder

I have heard conjecture that large loans are riskier since they have a larger payment… While this seems intuitive I thought I would try to show it visually.
To start with I ran a quick pivot with 2 different loan buckets. Loans with payments from $0-$499 and loans with payments $500+.
This graph proves the hypothesis… Is the difference [...]

Prosper Interest Rates On the Rise

December 12th, 2007 — Features, Prosper.com, Statistics, Strategy, Tools from RateLadder @ Rate Ladder

Prosper interest rates are on the rise — in case you where wondering this is a good thing for lenders!
The release of the borrower bidding guidance (general announcement, secondary analysis) seems to line up with a rise in near prime and sub prime interest rates. Similarly, the graph that I am using to demonstrate my [...]

Current Delinquency Count for Prosper Loans

December 11th, 2007 — Prosper.com, Statistics, Tools from RateLadder @ Rate Ladder

Continuing the dive into Prosper’s new private lender only data file, today I will look at the distribution of current delinquencies at the time of the listing amongst loans on Prosper… -1 is for loans prior to the extended credit in June 2006.

Here is the SQL:
select l.[key], l.creditgrade, cp.currentdelinquencies from creditprofile cp inner join loan [...]

November 2007 Prosper Marketplace Survey with Commentary from Kirk Inglis CFO

December 11th, 2007 — News, Prosper.com, Statistics from RateLadder @ Rate Ladder

November 2007 Prosper People-to-People Lending Market Survey
Membership and Loan Volume Statistics
———————————————
2007 2006
November November Year-to- Year-to- Since
2007 2006 Date Date Inception
———————————————————————-
New Members 33,917 [...]

Prosper Debt Sale Percentages

December 10th, 2007 — Prosper.com, Statistics, Tools from RateLadder<

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