Who is pnien?  I don’t know as he gaurds his identity, but he sure writes some stellar forum posts.  This time he scraped LendingStats ROI for lenders with average portfolio of 3+ months and 50K invested and come up with 64 lenders. 

Throwing out the one outlier he came up with an average of 4.23% ROI with none greater than 12%. 

That is astounding at first glance.  However, I think there is one flaw.  Many of these same lenders had to played in the Prosper world prior to extended credit. 

Here is the graph:

Here is a link to the entire forum post: http://forums.prosper.com/index.php?showtopic=20360

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