Ok guys, looking forward to gaining as much knowledge as I can! I made a thread in the introductions forum, but nows the question time

I'm first and foremost a stock market guy, so I have alot of ins and outs to learn here both about the platform and about the underlying mechanics, so I apologize for what could be in the future a large number of posts. I'm all about education offsetting risk, and if your kind enough to reply - THANK YOU in advance!
So coming to LC is an alternative to my money market account, so my initial idea was to invest in all A class loans for safety (matching somewhat close to a money market idea) - until I found 6.62% was significantly less after fees were taken out. Still 5% beats the hell out of any money market account I've seen in the past...Well I'm 27 so I have a short history on earth and its the best return with some modicum of safety I've ever seen. Looks like on Page 39 of the latest 10Q LC put out the default rate average for A class was somewhere around 3.5% of loans given over the past number of years. I can live with that. Still 6.02% isn't 6.02% at 'checkout'.
• So, my first question is in regard to transparency - or lack thereof as above depicted. Is there a way I can see the 'rest of the numbers' here? What is the borrower paying? Simply put - he sure aint paying 6.03% - wheres the my margin. I could do the math (monthly payment, number of months etc...) but this is going to add some time to my due diligence. Does LC present this information in quick and easy 'at a glance' way? I mean sure, the credit card companies are charging 29.99%, but what is LC giving the money out at? Just would give me a nice idea of payback feasibility.
My next question is in regards to "Review Status". Seems to me there are a fair few number of applicants even in the A range making a nice round 10,000 a month working at Office Depot. Sure, thats possible I guess, this person obviously isnt just a sales clerk at that income level and I'm not sure what the compensation structure at Company X is, but it's just ever so slightly questionable to me without income verification.
• It seems to me that with the volume of loans given out, verifying income for everyone is something of a...calculational and time consuming impasse. Can I trust some of these numbers? And to what degree? Is it possible that Joe Smith working at Office Depot with 10,000 of capital incoming each month is stating his combined income with his wife?
Next I'm a little interested in the rate of growth of LC itself. I spent a fair amount of time on the phone talking to LC, and it sounds like the their accelerating growth at a respectable clip since first hanging up their shingle. Leads me to wonder just how this is happening. Eventually I would think a 'push' to increase number of loans issued would me quality of borrower would drop. Does LC do all its borrower marketing online? Have the requirements to meet A, B, or C changed over the years and how would I find this out? (Still driving through the 10Q and 10K's so I apologize if the information is in there yet).
Thats all for now!