A Dive Into The Lending Club Data

#1

Post by ClementM » Tue, Sep 22, 2015, 1:55 PM UTC

A Dive Into The Lending Club Data
100mdeep.com

Re: A Dive Into The Lending Club Data

#2

Post by Charlesmigli » Tue, Sep 22, 2015, 2:00 PM UTC

Nice post. I see that you used dc.js, could you share some code ?

Re: A Dive Into The Lending Club Data

#3

Post by ClementM » Tue, Sep 22, 2015, 2:04 PM UTC

Charlesmigli wrote: post #2

Nice post. I see that you used dc.js, could you share some code ?

The code to process the lending club data is done in python. I got the full history of all payments made on the platform and pre-process it to have something that's light enough to be explored with a good user experience.

For the viz', yes I used DC.js, I can open source the .js if you guys want it.

Re: A Dive Into The Lending Club Data

#4

Post by Amorymeltzer » Tue, Sep 22, 2015, 2:11 PM UTC

ClementM wrote: post #3

Charlesmigli wrote: post #2

Nice post. I see that you used dc.js, could you share some code ?

The code to process the lending club data is done in python. I got the full history of all payments made on the platform and pre-process it to have something that's light enough to be explored with a good user experience. For the viz', yes I used DC.js, I can open source the .js if you guys want it.

I'd imagine we'd all appreciate that!

Re: A Dive Into The Lending Club Data

#5

Post by ClementM » Tue, Sep 22, 2015, 2:23 PM UTC

Amorymeltzer wrote: post #4

ClementM wrote: post #3

Earlier quoted context omitted.

The code to process the lending club data is done in python. I got the full history of all payments made on the platform and pre-process it to have something that's light enough to be explored with a good user experience. For the viz', yes I used DC.js, I can open source the .js if you guys want it.

I'd imagine we'd all appreciate that!

I'll update the post and put a link to a github

Re: A Dive Into The Lending Club Data

#6

Post by rocketcity » Tue, Sep 22, 2015, 2:29 PM UTC

This is great. I have been using LendingRobot lately. I will have to rethink some of my strategies based on what I see in this article.

Re: A Dive Into The Lending Club Data

#7

Post by Amorymeltzer » Tue, Sep 22, 2015, 2:34 PM UTC

The employment length is really bugging me. I've always selected people with a few years at their current job, leaning towards higher, because it feels safe, but this says that My other big hit is 3 versus 5-year terms. Anyone here care to comment? I like the 36 months because it feels more liquid and when I started I wasn't sure LendingClub was going to be around for a decade or more. Beginning to think I should reconsider that stance.

Re: A Dive Into The Lending Club Data

#8

Post by cryoshon » Tue, Sep 22, 2015, 2:37 PM UTC

Hm, this has sparked my interest in lending via Lending Club. I'll check this out for sure.

Re: A Dive Into The Lending Club Data

#9

Post by rgn216 » Tue, Sep 22, 2015, 2:39 PM UTC

Very useful tool. Gives valuable insight on how to select filters in portfolio construction. If "the Pearl" was a existing product, I would definitely invest in it.

Re: A Dive Into The Lending Club Data

#10

Post by ClementM » Tue, Sep 22, 2015, 2:54 PM UTC

Amorymeltzer wrote: post #7

The employment length is really bugging me. I've always selected people with a few years at their current job, leaning towards higher, because it feels safe, but this says that My other big hit is 3 versus 5-year terms. Anyone here care to comment? I like the 36 months because it feels more liquid and when I started I wasn't sure LendingClub was going to be around for a decade or more. Beginning to think I should rec…

Yes, exactly for all the criteria it is a matter of "the rates compared to marginal increase in risk".

Look at the 'A' grade. They're nice and safe intuitively, but in my opinion they're not a really good investment.