Harmoney

[beacon]

What data do you want? I can send in the report as produced by Harmoney if that would help.

Yes 777, that is the one. As Myles has written : From the main Harmoney dashboard select [REPORTS] across the top and when the [Lending] page comes up you should see a big blue [Export] button above the counter on the right. When you click on that you'll get an email shortly after (could be 10 minutes) with a csv file attached. Just download that csv file (something like orders-report-1234567890-123456.csv) and rename it to just orders.csv. Then select the Drop Box link from my original post and follow those detail to upload the orders.csv file.

[beacon]

I find that when analysing defaults, it is better to leave out all recent loans as they will lower the actual default rates. Based on my loans, the average time from date of loan to default is just over 13 months. The median is just short of 12 months. So my suggestion to Myles is to (in addition to the main set of graphs), also do one set (relating to defaults) ignoring all loans less than (say) 12 months old.

Perhaps the date of the most recent default as cutoff would be better, instead of say 12 months. I have had noticeable defaults in the <12 month period. By the way, thanks for sharing your dataset too, Cool Bear.

[beacon]

Thanks Myles. Data should be in Dropbox now.

Thanks RMJH.

Thanks leesal, and also thanks to all the data contributors. 20,000 unique records could very well be 95% of the Harmoney loan universe.

[777]

Yes 777, that is the one. As Myles has written : From the main Harmoney dashboard select [REPORTS] across the top and when the [Lending] page comes up you should see a big blue [Export] button above the counter on the right. When you click on that you'll get an email shortly after (could be 10 minutes) with a csv file attached. Just download that csv file (something like orders-report-1234567890-123456.csv) and rename it to just orders.csv. Then select the Drop Box link from my original post and follow those detail to upload the orders.csv file.

Uploaded last night.

[beacon]

20,000 unique records could very well be 95% of the Harmoney loan universe.

My bad! Harmoney universe has had 47,000+ unique loans to date. So, we might be shy of 50% of the universe, but still statistically very significant numbers.

Thanks 777

[myles]

Just a quick update on numbers - new uploads aren't adding too many new records which is a good sign:

Unique Loans: 20446 (First dated: 2014-10-29)
Raw Loans: 32494

[humvee]

Just a quick update on numbers - new uploads aren't adding too many new records which is a good sign:

Unique Loans: 20446 (First dated: 2014-10-29)
Raw Loans: 32494

What loan ID was on 2014-10-29? Must be very low

2015-31-01 was LAI-00009718

[Cool Bear]

Are you able to generate default rate by cohort(6 monthly)/and grade ? And same thing for early repayments.

Myles, by 6 monthly cohort (sorted by grade) would be fantastic if you can spare the time to do it. Thanks a million for doing this. CB

[777]

What loan ID was on 2014-10-29? Must be very low

2015-31-01 was LAI-00009718

My earliest filled loan was 5531 issued on 30/10/14. I had an earlier numbered at 5493 but it did not get filled until 24/12/18.

[myles]

Myles, by 6 monthly cohort (sorted by grade) would be fantastic if you can spare the time to do it. Thanks a million for doing this. CB

This will be a very 'wide' graph. Are you wanting by grade as in A, B,...F (50 bars) or as in grade A1, A2,...F5 (300 bars)?

Perhaps it needs to be plotted differently (just a line graph)?

Will wait till the combined data comes together and then have a look.