Toukshare,
You may find the following two charts of interest - these are my current loan distribution and all time defaults (ignoring grades with small loan numbers):
grades.png
defaults.jpg
Using Harmoney platform average default rates can be well off if you apply any form of 'sane' selection process to your loans. It should be pretty obvious why I favour D's and E's when I can get them. Lower grades may not necessarily be lower risk. Hard to compare when everyone's selection process is different.
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