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Orchard’s Top Data Visualizations of 2014

2014 was a watershed year for marketplace lending, and we at Orchard are thrilled to do our part in driving growth in the industry. As we have stated many times, the wide availability of detailed data on borrower profiles and loan performance is one of this market’s greatest virtues, paving the way for rigorous analysis and helping investors to feel comfortable with their investments. On the Orchard blog, we use this data to regularly publish analytic posts and greatly enjoy creating visualizations of the information. In today’s post, we recap our favorite graphs of 2014.

 

Distribution of Disposable Income by Credit Grade

http://www.orchardplatform.com/blog/2014520monthly-debt-and-disposable-income/

This graph shows the distribution of disposable income within each of Prosper’s credit grades, using income data supplied by the borrower as well as monthly debt from the credit bureau. Borrowers in lower-risk tiers have greater disposable income.

 

Anatomy of a Prosper Whole Loan Auction

http://www.orchardplatform.com/blog/anatomy-of-an-auction/

This graph shows a single Prosper auction, with loans being released and bought over a 15-minute period. The length of the bar represents the time each listing was available on the market.  The loan listings cascade onto the market one by one and are purchased within 6 to 23 seconds.

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Prosper Auction Duration by Listing Date Range

http://www.orchardplatform.com/blog/2014529intra-month-patterns-in-loan-listings/

This box-and-whiskers plot shows the distribution of auction lengths over several months, with each box representing a 6-day period. The individual points represent specific auctions.

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Prosper Borrower Income Distribution by Occupation

http://www.orchardplatform.com/blog/borrower-stated-occupation/

This graph plots the income of all Prosper borrowers, grouped by occupation. We can see that there is a wide range of income between occupations, with executives and computer programmers coming out on top.

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BTCJam Listings by Facebook Friend Count

http://www.orchardplatform.com/blog/marketplace-lending-meets-cryptographic-currency-bitcoin-lending-on-btcjam/

This graph shows data available from the API of bitcoin-based peer-to-peer lender BTCJam. This originator uses alternative data from sources including Facebook to rate the risk of borrowers on its platform.

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Borrower Interest Rate Distribution Over Time

http://www.orchardplatform.com/blog/the-price-of-credit-interest-rates-over-time/

This graph shows how interest rates have trended over time on LendingClub and Prosper. As we can see, LendingClub’s rates have been stable over a long period, while Prosper’s rates have come down over time.

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Loan Description Word Cloud

http://www.orchardplatform.com/blog/semantic-classification-and-consumer-lending/

This programmatically-generated word cloud illustrates the 500 most commonly used words in LendingClub’s borrower-supplied loan descriptions. The size of each word indicates its relative frequency within the entire dataset.

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Prosper Cumulative Event Delinquency by Vintage

http://www.orchardplatform.com/blog/consumer-credit-trends-q3-2014-update/

This graph shows the cumulative delinquency rate for Prosper loans of various vintages and credit grades. Prosper’s risk management and loan quality have continued to improve over successive years of origination.

 

 

Principal Remaining by Months Since Origination

http://www.orchardplatform.com/blog/repayment-velocity-on-prosper/

This graph shows the amount of a loan’s original principal that remains outstanding as the loan ages. Each dot represents an individual loan, and they are color coded by Prosper’s credit grade.

prosper-prinrem-rating

LendingClub Simulated Portfolio and Selected Exchange Traded Fund (ETF) Returns

http://www.orchardplatform.com/blog/early-adopters-and-the-lendingclub-ipo/

This graph shows the cumulative return of a platform-representative basket of LendingClub loans since 2009 versus several popular exchange-traded funds over the same period. As we can see, the LendingClub trend is significantly smoother than the various ETFs, outperforming the 3 bond funds over the observation period but trailing the S+P 500. While the returns in our simulated portfolio are not quite as strong as those in the equity fund, they are much more stable.

lc-vs-etf-returns