Wednesday, February 6, 2008 - late loan stats update

Here's the 02/01/08 update to my late loan statistics charts.

These charts show statistics for the performance of ALL loans. Each curve represents the set of loans that were created in one calendar month. The vertical axis is the fraction of those loans that have "gone bad", in other words are 1 month late or worse (up to and including default). The horizontal axis is the observation date. All data comes from's performance web page.

prosper late 2008-01-015 small

A larger, more readable version of that chart can be found here

Nothing much new. Loans continue to go bad at about 20% per year.

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