@ rawraw & viking, sorry for causing such a stir.
I'm still using lendstats to do much of my analysis because I've been lazy and haven't wanted to build a spreadsheet and pull out my stats book. So I'm probably making choices a little less off of analytical results (ie I'm not doing a t-test or the like to see if the change that I'm seeing is just noise in the data or a real measureable difference). Many of my loans are debt consolidation, but not all. I do try to shoot for a ratio of .8-1.2, I tend to just do the math in my head instead of running it through a spreadsheet when I'm evaluating the loans for this ratio. Lendstats does have some data on this ratio and there is a bit of a difference in ROI from the loans that are close to one and those that are further off, but that is with the rest of my filters in place.
Subjectively, I know Ken L really liked loans that were close to 1 on the ratio of Loan/revolving debt as long as the fit the rest of his loan criteria as well. One of the challenges I have to this, is that not all the debt shows up in revolving debt. If the person has several lines of equity against their home, these wouldn't show up here . . . of course their interest rate on those loans should be <6% so why they would want to consolidate to a higher rate . . . doesn't make much sense to me, but I wouldn't have gotten into the situation that a lot of these borrowers are in anyways, at least I hope I don't.