Using today’s public data, 98% of the time I can correlate loans in arrears to the listing with 100% accuracy.

There are 488 loans with statuses not equal to paid as expected:

Select count(*) from loan where status!=’Paid’ and status!=’Current’ and status!=’Payoff in progress’

I have a sql statement that can accurately generate the listing key or listing number (and hence the borrower) for 482.  

At this time I am intentionally keeping my sql statement under wraps, pending a response.  It is not a simple primary key foreign key join, but it is a single select.  Since there isn’t a primary key foreign key relationship in the data provided by prosper, I infer that they don’t want you to be able to correlate listings to loans. As that is not public information.  And yet via the public information it can be done.

Overtime, with higher loan volumes I expect the percentage of the number that can be 100% accurately identified to go down, but I will always be able to find some late loan’s listing numbers.

 

Related Posts

• Lending Club Loan Volume Misquoted in National Newspaper I encourage all reporters to check facts. In the p2p lending space, both major US p2p lending companies provide data and this data can usually corroborate or debunk basic marketplace claims.  I was reading a recent Pittsburgh Post-Gazette article on p2p lending: The credit crunch: How did it happen and where......
• Rateladder Referral Listing: Guarenteed Money for Simple loan Guarenteed Money for Simple loan This is the cleanest A I have ever seen. I am a little surprised that it is not a AA. Account Verified, DTI 9%, A Credit. CLEAN! Purpose of loan: Supplement stock porfolio for more diversified lending (explain what you will be using this loan......
• ProProsper -- Professional Tools for Prosper Lenders I have created a new site... It's free and supported via ads and donations. ProProsper Professional Tools for Prosper Lenders Loan Rate Analyzer Standing Order Analyzer Loan Everlate Analyzer Personalized IRR Tracking Daily Email Alerts Lender Tracking Summaries with Links to Listings Bid On By Lenders You Follow Listing Tracking......
• Major Prosper Update -- Just in Time for Prosper Days  Prosper's First Anniversary First of all, let's take a moment to celebrate. On Feb 5, Prosper turned one year old. In our first year, exactly 7048 loans with a value of $35,166,711 were made on the Prosper marketplace. If you're coming from the perspective of a massive bank, $35M might......
• Big Prosper Changes -- 2nd Loans, Authenticated API, 0% on AA, 36% Max Rate, and Portfolio Plans Big changes for Prosper today in new release... Borrowers can now have second loans Authenticated API for access to extended credit and a lender's loans for lenders 0% servicing fee on AA credit In states where rates aren't capped the new maximum is 36% Portfolio Plans might be the biggest change of......

Related Websites

• Finovate Startup 2009 Live Twitter I am attending Finovate Startup 2009. It is an action packed 1 day format which I belive will lend itself perfectly to a live twitter. Stay tuned it should be an amazing day. http://twitter.com/BlogTrafficExch In the break I have scheduled some talks with SimplFi, Mint, and Calendar Budget. I am......
• Prosper Update It's been a long time since I've made a mention of Prosper.com. The reason is that it hasn't been performing as I had hoped. I'm putting money into Prosper though one could conclude that I should stop. What's the cause for the change in my philosophy? Well, I found LendingStats.com......
• Revealing the Keys to Prosper Success Earlier this week, I defended the Prosper's business viability. I spent two posts rebutting the idea that it might not be a good investment. Just yesterday, I discussed the Prosper mistakes I've made. Today, I will share with you what I've learned. Hopefully 5 minutes from now you'll be......
• A Better Way To Lend Money To Friends & Family Lending money to friends and family can be a strain on the relationship (not to mention your finances). Seeing that you're doing well, everyone wants to hit you up for a small loan. If its a short-term thing its fine, but if you're worried about the borrowers ability to repay......
• Publicizing your Corporate Blog If you plan on writing a blog and using it for any purpose other than your own, then you absolutely need to be willing to find ways to effectively publicize it. Some people will tell you that all you need to do is write in your blog and then the......

Online Stores

• Single Router Bits Routers, Bits, & Accessories Power Tools Tools Home Improvement
• Single Stage Snow Blowers Outdoor Power Equipment Yard, Garden & Outdoor Living Nursery
• Single Wheel Seeders, Sprayers & Spreaders Garden Tools & Equipment Gardening & Plants Yard, Garden & Outdoor Living
• Data Logging Infrared Thermometers Garden Décor Yard, Garden & Outdoor Living Nursery
• Select Tech Bowflex, Soloflex, CrossBar Home Gyms Strength Training Gym, Workout & Yoga Exercise & Fitness

If you liked this article, vote for it on del.icio.us and stumbleupon.


Categories:

Prosper.com, Statistics, Tools

Tags:

azerbaijan, mozambique