I have been tracking the Prosper lender HollowOak for a while.  Initially, it was because when I first started RateLadder he had just started a Prosper Blog as well Money Walks.  While he started strong blogging his post frequency has quickly diminished.  He is latest infrequent posts are on his Lending Club experience.  He has several quality posts and his blog is worth a read, however that is not the point of this post…

His Prosper portfolio is in phenomenal shape.  Here are some basic stats…

Total Loans: 152
Weighted Average Loan Age: 227
Weighted Average Credit Grade: C
Weighted Average Interest Rate: 14.99%
Experian ROI: 9.22%
Lending Stats ROI: 11.97%
Eric’s CC ROI: 11.81%

He has a bell curve distribution across all credit grades.

He has 2 late loans (1 month or more late) and 2 defaulted loans.

I think he might be the only lender I know of with the following property… Experian ROI < Eric’s CC ROI < Lending Stats ROI.  Usually these stats are in the opposite order.

He seems to be rolling over money as opposed to adding more.

Great Job HollowOak!!!  Now if you would just blog more.

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Prosper.com, Statistics, Strategy

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