Borrower Standard?

I also have observed that rates on Rebuilding Society seem to be higher for a given level of risk than on Funding Circle.  I have three observations from reading some of the loan discussions that might explain this
1) A high proportion of Rebuilding Society loans have worrying aspects, like a previous bankruptcy, that might have caused other platforms to reject them.
2) Apparently Funding Circle have quite rigid pre-qualification criteria that some borrowers might not meet.  Rebuilding Society seems to be more flexible.
3) It may be difficult for a borrower to work out which platform is likely to provide the lowest rate.  The estimation of how much a loan will cost the borrower on a particular platform is not easy as it depends how the rate will settle in the auction.  While we can build up that knowledge by lending on a lot of loans on multiple platforms, a borrower wants just one loan and is unlikely to want to spend as long as we spend comparing the platforms.