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High demand for D-G grades

Started by Peter, January 07, 2013, 11:00:00 PM

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Lloigor

From my perspective there are too few borrowers and too many lenders.  At the lower grades that I favor (D-G grade with high income, among other restrictions) the loans that meet all of my requirements get bought up almost immediately, certainly before they get to 24 hours old.  I saw one with 13d 22h remaining, it had 3 investors and was 93% funded.  Not to mention they never last long enough to get preapproved or to have income verified anymore.  Anyone else feel like they have to check 3 times a day to beat other investors now?

I realize that most loans have historically been graded A-D and the high risk stuff is comparatively rare on the overall platform, and I only started in August 2012, but prior to November I didn't have this problem.



TravelingPennies

https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fwww.p2panalytics.com%2Fwp-content%2Fuploads%2FFGfunding.png&hash=83c0e8a9319634e6d6b83eec260b14d0" alt="" class="bbc_img" />
https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fwww.p2panalytics.com%2Fwp-content%2Fuploads%2FEfunding.png&hash=11d6930c26b5efe92c58194c68e70f08" alt="" class="bbc_img" />
https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fwww.p2panalytics.com%2Fwp-content%2Fuploads%2FDfunding.png&hash=cf237c690f32f18286b845e78273c79d" alt="" class="bbc_img" />
https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fwww.p2panalytics.com%2Fwp-content%2Fuploads%2FBfunding.png&hash=d30d036da4f7e7446fc06f1fb0f14002" alt="" class="bbc_img" />

Taking a look at the above charts, general supple of D-G loans has been down in the lat 30-40 days. The sharpest decrease has been with F/G loans. B grade notes (higher quality borrowers) have seen a steady increase in supply over the last 40 or so days.

yojoakak

According to LendingClub, the best returns from from FEGD loans. Has anyone double checked their math?

https://www.lendingclub.com/info/statistics.action" class="bbc_link" target="_blank">https://www.lendingclub.com/info/statistics.action

brycemason

zpbsfg,

What's the horizontal axis? Days since a certain time?

Bryce

Randawl

It seems the horizontal axis is "Hours."

TravelingPennies

Since when? Beginning of month?

TravelingPennies

To when on the calendar does the event at ~830 correspond?


NEW LOANS:   | 804.eth 2.500 Ξ | remoraid.eth 0.299 Ξ | remoraid.eth 0.299 Ξ | ALL