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PeerCube Update - Comprehensive Details for Lending Club Loans
Last week, Peter wrote an excellent review of PeerCube on his blog. The number of PeerCube users has greatly increased since his coverage including interest from individual and institutional investors....
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Lending Club Loan Selection using PeerCube's BLE Risk Index
One lesson I learnt from Peter's review of PeerCube and subsequent discussions is that I need to share how PeerCube can be used effectively during loan selection at Lending Club. In this post, I would...
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Lending Club Loan Borrower's Earliest Credit Line and Loan Volume
After returning from vacation, I have started to analyze Lending Club historical loan data again and have improved PeerCube further. I am pleased to see PeerCube user base growing another 20% in my...
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Lending Club Borrower's Credit Age and Loan Defaults
In this post, I continue the analysis of borrower's earliest credit line and relationship with loan status. As Lending Club doesn't publish the age of borrower, in this analysis I use the year of...
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Lending Club Borrower's Home Ownership and Loan Characteristics, Part I
In this post, I will review the home ownership status of borrowers and loans issued at Lending Club platform. Lending Club categorizes the home ownership status of borrowers as Rent, Mortgage, Own,...
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Lending Club Borrower's Home Ownership and Loan Characteristics, Part II
Continuing the review of loan characteristics as a function of home ownership status of borrower from previous post ...Interest RateThe chart below shows the average interest rate of loans issued...
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Lending Club 2012 in Review, Part I: Loan Volume and Amount Funded
Happy New Year to all my readers and to lenders on Lending Club platform. As Peter mentioned in his post In 2012 U.S. P2P Lenders Issue $871 Million in New Loans, Lending Club had terrific 2012.Loan...
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Lending Club 2012 in Review. Part II: Interest Rate, Credit Grade, and Loan...
Continuing the year-end review of Lending Club loans from my previous post where I discussed Loan Volume and Amount Funded ...Interest RateIn 2012, Lending Club increased the interest rates for most...
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Lending Club 2012 in Review. Part III: Loan Title, Loan Description and State...
Continuing the year-end review of Lending Club loans issued in 2012 from Part I and Part II where I discussed Loan Volume, Amount Funded, Interest Rate, Credit Grade and Loan Purpose ...Loan TitleIn...
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Lending Club Loans - Impact of Recent Changes
Recently, in response to my post Lending Club 2012 in Review, Part I: Loan Volume and Amount Funded, a commentator pointed out a few recent changes related to Credit Grade in Lending Club's November...
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Recent Changes in Minimum Credit Criteria by Lending Club
Minimum Credit CriteriaIn November, Lending Club not only hide the details of underwriting process, as described in my previous post Lending Club Loans - Impact of Recent Changes, but also changed the...
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Lending Club Loan Volume and Borrower's Revolving Credit Line Utilization
In next few posts, I will review the loan characteristics and default rate with respect to the revolving credit line utilization of borrowers. I believe revolving credit line utilization is one of the...
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Lending Club Borrower's Revolving Credit Utilization, Loan Purpose and Defaults
While reviewing the loan volume with borrower's revolving credit utilization, I became curious to know how the revolving credit utilization of borrowers impact their reasons for borrowing on peer to...
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Lending Club Loans - Defaults with Loan Age, Part I
February has been slow month from blogging perspective for me. I spent majority of time making improvements to PeerCube. Three major enhancements released this month are ability to invest in multiple...
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Lending Club Loans - Months of Payment before Default
In the last post, I reviewed the defaults based on loan issued date. As I mentioned in the previous post, due to point in time snapshot of historical loan data that Lending Club provides, it is...
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Lending Club Loans - Principal Paid Back and Months of Payment
In the last post, I analyzed the defaults based on number of monthly payments made by borrower before default. In next post, I will analyze the defaults using another methodology of principal paid back...
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Lending Club Loans - Principal Paid Back and Defaults
In this post, I will analyze the defaults based on principal paid back by the borrowers before default. For earlier posts in the series, please refer to Lending Club Loans - Defaults with Loan Age,...
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Lending Club Loans Issued Since 2010 - Principal Paid Back and Months of Payment
This post is the last in the series of posts discussing when default of loans start to peak (Part 1, part 2, part 3, and part 4).Months of PaymentThe chart below shows the percentage of 36 month and 60...
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Lending Club Borrower's Income Verification, Loan Issued Year, and Initial...
Recently Lending Club modified the historical loan data file, included several new loan and borrower attributes and removed a few. One of the new fields is whether a borrower's income was verified by...
View ArticleOpenStack: The Building Block for Private Cloud
I am back after an extended break from blogging about data storage topics. As I am no longer working at Quantum, I am free to blog about the recent developments in data storage without any...
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OpenStack: Overview of Service Components
OpenStack is made up of several projects that together build up the OpenStack cloud. Three core components are Compute, Storage, and Network.OpenStack Training Guides provide a nice conceptual...
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OpenStack: Quick Install using DevStack
Though not a recommended method for installing OpenStack for production, DevStack offers an easy method to install and run an OpenStack cloud either on hardware or even within virtual machine.In this...
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OpenStack: Virtual Image Instances using Horizon Dashboard
Install AddendumEnable VT in BIOSAn addendum to install steps defined in my previous post OpenStack: Quick Install using DevStack is required to avoid a surprise that I encountered after the install....
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Building a Python/Django Development Virtual Machine
Recently for a project, I needed to build a Python, Django, PostgreSQL, NGINX Development Virtual Machine(VM). Below are the steps that I followed to build this VM in VMware Fusion on MacbookPro (MBP)....
View ArticleBlog Reboot (maybe) and What’s Next
It has been almost a decade since I updated this blog. Perusing the previous blog posts, it is interesting to see evolution of my professional interests from Data storage and Clouds to FinTech and...
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