Today we are updating the vintage curves for 12/1/2007. (Here is the original explanation.)
The number of loans required for display is 250.
There are 3 different populations shown across both count late % and amount late %.
General population. All loans in credit grade.
Loan Count Late %
Dollar Amount Late % (Net Defaults)
0 Current Delinquencies — All loans with zero current delinquencies
Loan Count Late %
Dollar Amount Late % (Net Defaults)
This month I am adding an additional population to the vintage curves. I am not going to tell you what it is. I will give you a hint… It is my current minimum extended credit criteria and it does not involve DTI, amount, groups, autofunding (or lack thereof), or home ownership (or lack thereof). This is a demonstration of the large amount of lower than normal risk loans available to the careful lender. If you are interested I would be happy to offer one on one consulting on this and any other P2P Lending topic. Rates depend on job and services range from technical consulting to lender education.
RateLadder Criteria
Loan Count Late %
Dollar Amount Late % (Net Defaults)
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[...] If you’re new here, you may want to subscribe to my RSS feed or via email. Thanks for visiting!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. These are now much easier with the private lender data (see the sql at the end of the post for those that are so inclined.) Here is a post for the general population daily vintage curves. [...]
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