Archive for February, 2007
C with 1 delinquency @ 11% - approved but not endorsed
26 February 2007https://www.prosper.com/public/lend/listing.aspx?listingID=103417
From a lending point of view, this is not a very attractive lisitng (C@11% with 1 delinquency). The reason I approved the listing is because the delinquency amount is only $27 and the 11% is the borrower’s state rate cap. So even though it’s not a listing I would endorse, I feel that the borrower […]
Perfect AA-0-0-0-home owner listing at 10%!
26 February 2007https://www.prosper.com/public/lend/listing.aspx?listingID=103317
AA-0-0-0 @ 11%
24 February 2007https://www.prosper.com/public/lend/listing.aspx?listingID=102770
Perfect credit at 11%. Great listing!
D @16.5%. Very high DTI 240%
22 February 2007https://www.prosper.com/public/lend/listing.aspx?listingID=102379
I approved this listing (but did not endorse it) on its merit that that 240% DTI is the only blemish and that D@16.5% is fair (but not great).
D-0-0-0 at 15%, DTI 19%, high revolving credit balance and credit card utilization
22 February 2007https://www.prosper.com/public/lend/listing.aspx?listingID=101991
Revolving credit balance and credit card utilizations are new stats that prosper recently started displaying. So I’m not sure how much it would increase the likelihood of such loans defaulting. Make sure you are well diversified if you bid on higher risk loans (with good rewards) like this one.
C @ 17%, high DTI (47%)
22 February 2007https://www.prosper.com/public/lend/listing.aspx?listingID=101998
This listing carry a little more risk than the usual approved listings because of the high DTI. However, the reward of 17% for a C credit (plus 0 current delinquency, 0 historic delinquency, and 0 public record) is pretty good. With proper diversification, these types of listings are great in the long run for your […]
A-0-0-0 @ 8%. Borrowing money to lend.
18 February 2007https://www.prosper.com/public/lend/listing.aspx?listingID=100910
AA-0-0-0 @10%. Another great listing!
18 February 2007https://www.prosper.com/public/lend/listing.aspx?listingID=100745
AA-0-0-0 @ 8%! Lender testing borrower side of prosper.
17 February 2007https://www.prosper.com/public/lend/listing.aspx?listingID=100662
Very safe loan listing at a good interest rate.
AA-0-0-0 Homeowner, low DTI @ 10%. Great listing!
16 February 2007https://www.prosper.com/public/lend/listing.aspx?listingID=100014