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Messages - Scott S

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I am doing some analysis of historical (2013-14) Prosper loans and am curious if there are any dominant reasons why applicants might withdraw their loans before funding.  I assume that some might 1) simply change their minds, or 2) some might get a better offer elsewhere.  Hopefully not many weddings were called off at the last minute :-)

Is there any clear cut explanations or even good guesses around this?   Feel free to point me to any existing comments on this topic.

Thank you

Investors - LC / Re: Time for loan to be 100% funded
« on: September 18, 2019, 05:56:05 PM »

Excellent information - a belated thank you very much


Investors - LC / Re: Time for loan to be 100% funded
« on: September 06, 2019, 06:46:47 PM »
Thank you Fred93.  That is very helpful.

Investors - LC / Re: Time for loan to be 100% funded
« on: September 04, 2019, 08:02:49 PM »
Fred-  I appreciate your reply.  I feared as much since I really liked the LC data.

All - Alternatively, I am looking at Prosper data from the same time frame (2012-15).  I see time to become fully funded can be calculated on the Listings data.  However, I do not see anything comparable on the Loans file and I would really like to compare 1) the time a loan requires to become fully funded (a semi-proxy for investor desire for it) to 2) that loan's subsequent performance.

Maybe I am missing something obvious but is there a key (applicant number or loan number) that would allow me to link the time required from the Listings file to the same individual loans subsequent performance on the Loans file.

Thank you in advance for any suggestions

Is there a key that would allow me match an individual loan on the LISTINGS file to its subsequent performance on the LOANS file? 

I am looking at Prosper data files from 2012-2015.  I am interested in using the LISTINGS file to capture the time a loan takes to be fully funded by investors (ie reach 100%) but I then want to know its subsequent payment/chargeoff performance which I believe is only on the LOANS file.

Is there key, such as member number or loan number that is on both files?  I am not seeing anything obvious but hopefully I am overlooking something.   

Thank you for any suggestions.

Investors - LC / Time for loan to be 100% funded
« on: September 03, 2019, 08:52:55 AM »
I teach a banking course.  We are examining the P2P lending process and I am doing some analysis on older loans (2012-2014). I am looking for an indication in the data file of how long it took a loan to be completely funded.  I am particularly interested in fractional loans.

Is there a variable that I am overlooking on LC's historical data that would tell me that Loan A was fully funded in 2 days while it took 4 days for Loan B to be fully funded?

Thank you

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