bg
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Post by bg on Jun 8, 2019 7:42:47 GMT
Very slim pickings now. I imagine it won't be long until all that is available are loans with a 5 handle. Loan # | Events | Last P | First L | Next P | Amount | LTV | Rate | Term | Available | Discounted | Best Rate | Best Amt | Drew | 1019 | | | | 09-Jun-19 | 1,135,000 | 52.8 | 5 | 60 of 60 | 475,358 | 21,417 | -1.5 | 203 | 10/May/19 | 998 | | 15-May-19 | | 15-Jun-19 | 115,000 | 57.5 | 5 | 59 of 60 | 16,695 | 12,752 | -1.5 | 8,485 | 16/Apr/19 | 974 | | 02-Jun-19 | | 02-Jul-19 | 208,000 | 69.3 | 6 | 58 of 60 | 184,715 | 5,634 | -1.5 | 478 | 3/Apr/19 | 961 | | 19-May-19 | | 19-Jun-19 | 273,000 | 65 | 5 | 58 of 60 | 240,490 | 310 | -1 | 310 | 20/Mar/19 | 954 | M | 07-May-19 | | 07-Jun-19 | 1,175,000 | 72.1 | 7 | 58 of 60 | 53,310 | 20,529 | -1 | 20,529 | 8/Mar/19 | 949 | | 03-Jun-19 | | 03-Jul-19 | 355,000 | 64 | 5.5 | 57 of 60 | 224,246 | 9,522 | -2 | 6,672 | 4/Mar/19 | 946 | | 27-May-19 | | 27-Jun-19 | 157,450 | 67 | 5.5 | 57 of 60 | 26,551 | 17,647 | -2 | 1,623 | 28/Feb/19 | 935 | | 17-May-19 | | 17-Jun-19 | 438,000 | 54.8 | 5 | 57 of 60 | 274,664 | 43,243 | -3.5 | 15,026 | 18/Feb/19 | 932 | | 12-May-19 | | 12-Jun-19 | 430,000 | 64.7 | 5 | 57 of 60 | 267,369 | 56,259 | -3.5 | 10,177 | 13/Feb/19 | 930 | | 11-May-19 | | 11-Jun-19 | 228,750 | 75 | 5.5 | 57 of 60 | 157,424 | 5,908 | -2 | 5,397 | 12/Feb/19 | 933 | | 11-May-19 | | 11-Jun-19 | 140,000 | 60.3 | 5.5 | 21 of 24 | 35,190 | 8,030 | -1.5 | 7,762 | 12/Feb/19 | 934 | | 11-May-19 | | 11-Jun-19 | 750,000 | 56.8 | 5 | 57 of 60 | 551,741 | 81,114 | -4 | 9,232 | 12/Feb/19 | 914 | M | 23-May-19 | | 23-Jun-19 | 1,133,000 | 47.2 | 5.5 | 32 of 36 | 39,838 | 13,537 | -1.5 | 1,030 | 24/Jan/19 | 869 | M | 28-May-19 | | 28-Jun-19 | 370,000 | 44.3 | 5 | 54 of 60 | 2,247 | 671 | -1 | 671 | 29/Nov/18 | 866 | | 15-May-19 | | 15-Jun-19 | 430,000 | 47.6 | 5 | 54 of 60 | 314,452 | 148 | -1 | 148 | 16/Nov/18 | 805 | M | 23-May-19 | | 23-Jun-19 | 825,000 | 55 | 7 | 51 of 60 | 56,575 | 303 | -1 | 303 | 24/Aug/18 | 766 | | 08-May-19 | | 08-Jun-19 | 255,000 | 70.8 | 7 | 50 of 60 | 116,397 | 79,112 | -1.5 | 20,642 | 9/Jul/18 | 329 | ML | 21-Apr-19 | 21-May-19 | 21-Jun-19 | 220,000 | 65.7 | 7 | 29 of 60 | 22,357 | 2 | -1 | 2 | 22/Sep/16 |
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rscal
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Post by rscal on Jun 8, 2019 12:49:21 GMT
#939 [6% 57/60 mths] disappeared at the last round and now I have finally sold a small portion of my holding.
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tonyr
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Post by tonyr on Jun 10, 2019 8:14:01 GMT
Very slim pickings now. I imagine it won't be long until all that is available are loans with a 5 handle. Given the trend is quite obvious, the logical conclusion would be to buy what's left and relist at a lower discount. But I can't bring myself to do that.
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sl75
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Post by sl75 on Jun 10, 2019 8:27:14 GMT
Very slim pickings now. I imagine it won't be long until all that is available are loans with a 5 handle. Given the trend is quite obvious, the logical conclusion would be to buy what's left and relist at a lower discount. But I can't bring myself to do that. Pretty sure that other people already doing this is a large part of the reason for the trend.
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thedog
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Post by thedog on Jun 10, 2019 9:34:48 GMT
You'd have to be brave to do that now - most discounts modest, several loans have Event Risk, margins as already noted not attractive and crucially these are generally loans which already have lots of availability so how long will it take to sell?? Many of these loans have ~half loan size still available so how long is it going to take to sell at near par? You might make a small profit but during that time are stuck in a loan at 5-6% for potentially a long period.
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bg
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Post by bg on Jun 11, 2019 8:52:33 GMT
Loan # | Events | Last P | First L | Next P | Amount | LTV | Rate | Term | Available | Discounted | Best Rate | Best Amt | Drew | 1019 | | | | 09-Jul-19 | 1,135,000 | 52.8 | 5 | 60 of 60 | 475,888 | 21,483 | -1.5 | 198 | 10/May/19 | 998 | | 15-May-19 | | 15-Jun-19 | 115,000 | 57.5 | 5 | 59 of 60 | 16,694 | 12,751 | -1.5 | 8,485 | 16/Apr/19 | 974 | | 02-Jun-19 | | 02-Jul-19 | 208,000 | 69.3 | 6 | 58 of 60 | 184,063 | 4,982 | -1 | 4,982 | 3/Apr/19 | 961 | | 19-May-19 | | 19-Jun-19 | 273,000 | 65 | 5 | 58 of 60 | 240,490 | 108 | -1 | 108 | 20/Mar/19 | 954 | ML | 07-May-19 | 07-Jun-19 | 07-Jul-19 | 1,175,000 | 72.1 | 7 | 58 of 60 | 53,257 | 20,446 | -1 | 20,446 | 8/Mar/19 | 949 | | 03-Jun-19 | | 03-Jul-19 | 355,000 | 64 | 5.5 | 57 of 60 | 224,246 | 9,522 | -2 | 6,672 | 4/Mar/19 | 946 | | 27-May-19 | | 27-Jun-19 | 157,450 | 67 | 5.5 | 57 of 60 | 26,551 | 17,647 | -2 | 1,623 | 28/Feb/19 | 935 | | 17-May-19 | | 17-Jun-19 | 438,000 | 54.8 | 5 | 57 of 60 | 276,136 | 45,216 | -3.5 | 14,877 | 18/Feb/19 | 932 | | 12-May-19 | | 12-Jun-19 | 430,000 | 64.7 | 5 | 57 of 60 | 268,601 | 31,424 | -3.5 | 6,222 | 13/Feb/19 | 930 | | 11-May-19 | | 11-Jun-19 | 228,750 | 75 | 5.5 | 57 of 60 | 157,424 | 5,908 | -2 | 5,397 | 12/Feb/19 | 933 | | 11-May-19 | | 11-Jun-19 | 140,000 | 60.3 | 5.5 | 21 of 24 | 35,027 | 7,868 | -1.5 | 7,599 | 12/Feb/19 | 934 | | 11-May-19 | | 11-Jun-19 | 750,000 | 56.8 | 5 | 57 of 60 | 554,887 | 60,732 | -3.5 | 35 | 12/Feb/19 | 914 | M | 23-May-19 | | 23-Jun-19 | 1,133,000 | 47.2 | 5.5 | 32 of 36 | 41,384 | 13,537 | -1.5 | 1,030 | 24/Jan/19 | 875 | | 02-Jun-19 | | 03-Jul-19 | 970,662 | 52.9 | 7.5 | 15 of 22 | 385,383 | 103 | -1 | 103 | 30/Nov/18 | 869 | M | 28-May-19 | | 28-Jun-19 | 370,000 | 44.3 | 5 | 54 of 60 | 2,247 | 671 | -1 | 671 | 29/Nov/18 | 866 | | 15-May-19 | | 15-Jun-19 | 430,000 | 47.6 | 5 | 54 of 60 | 314,452 | 148 | -1 | 148 | 16/Nov/18 | 805 | M | 23-May-19 | | 23-Jun-19 | 825,000 | 55 | 7 | 51 of 60 | 57,562 | 93 | -1 | 93 | 24/Aug/18 | 766 | | 08-May-19 | | 08-Jul-19 | 255,000 | 70.8 | 7 | 50 of 60 | 115,987 | 78,648 | -1.5 | 20,134 | 9/Jul/18 | 713 | | 31-May-19 | | 01-Jul-19 | 1,328,819 | 63.5 | 7 | 1 of 15 | 424,901 | 216 | -1 | 216 | 30/Apr/18 | 673 | M | 22-May-19 | | 22-Jun-19 | 799,000 | 66.6 | 7.5 | 46 of 60 | 95,088 | 697 | -1 | 697 | 23/Mar/18 | 488 | | 12-May-19 | | 11-Jun-19 | 906,250 | 45.5 | 5.5 | 37 of 60 | 109,380 | 136 | -1 | 136 | 12/Jun/17 | 329 | ML | 21-Apr-19 | 21-May-19 | 21-Jun-19 | 220,000 | 65.7 | 7 | 29 of 60 | 23,087 | 2 | -1 | 2 | 22/Sep/16 |
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bg
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Post by bg on Jun 15, 2019 7:10:33 GMT
Loan # | Events | Last P | First L | Next P | Amount | LTV | Rate | Term | Available | Discounted | Best Rate | Best Amt | Drew | 1019 | | 09-Jun-19 | | 09-Jul-19 | 1,135,000 | 52.8 | 5 | 59 of 60 | 475,624 | 21,218 | -1.5 | 441 | 10/May/19 | 998 | | 15-May-19 | | 15-Jun-19 | 115,000 | 57.5 | 5 | 59 of 60 | 16,694 | 12,751 | -1.5 | 8,485 | 16/Apr/19 | 974 | | 02-Jun-19 | | 02-Jul-19 | 208,000 | 69.3 | 6 | 58 of 60 | 184,144 | 4,547 | -1 | 4,547 | 3/Apr/19 | 954 | M | 07-Jun-19 | | 07-Jul-19 | 1,175,000 | 72.1 | 7 | 57 of 60 | 55,841 | 20,102 | -1 | 20,102 | 8/Mar/19 | 949 | | 03-Jun-19 | | 03-Jul-19 | 355,000 | 64 | 5.5 | 57 of 60 | 225,002 | 10,163 | -2 | 7,312 | 4/Mar/19 | 946 | | 27-May-19 | | 27-Jun-19 | 157,450 | 67 | 5.5 | 57 of 60 | 25,841 | 16,937 | -2 | 713 | 28/Feb/19 | 935 | | 17-May-19 | | 17-Jun-19 | 438,000 | 54.8 | 5 | 57 of 60 | 276,711 | 44,815 | -3.5 | 14,446 | 18/Feb/19 | 932 | | 12-Jun-19 | | 12-Jul-19 | 430,000 | 64.7 | 5 | 56 of 60 | 268,045 | 30,385 | -3.5 | 5,239 | 13/Feb/19 | 930 | | 11-Jun-19 | | 11-Jul-19 | 228,750 | 75 | 5.5 | 56 of 60 | 157,397 | 5,503 | -2 | 5,395 | 12/Feb/19 | 933 | L | 11-Jun-19 | 11-Jun-19 | 11-Jul-19 | 140,000 | 60.3 | 5.5 | 20 of 24 | 32,619 | 5,109 | -1.5 | 5,042 | 12/Feb/19 | 934 | | 11-Jun-19 | | 11-Jul-19 | 750,000 | 56.8 | 5 | 56 of 60 | 555,320 | 60,697 | -3 | 515 | 12/Feb/19 | 914 | M | 23-May-19 | | 23-Jun-19 | 1,133,000 | 47.2 | 5.5 | 32 of 36 | 41,377 | 13,530 | -2 | 889 | 24/Jan/19 | 897 | | 18-May-19 | | 18-Jun-19 | 350,000 | 48.8 | 5 | 55 of 60 | 237,173 | 72 | -1 | 72 | 19/Dec/18 | 869 | M | 28-May-19 | | 28-Jun-19 | 370,000 | 44.3 | 5 | 54 of 60 | 2,147 | 570 | -1 | 570 | 29/Nov/18 | 866 | | 15-May-19 | | 15-Jun-19 | 430,000 | 47.6 | 5 | 54 of 60 | 314,351 | 47 | -1 | 47 | 16/Nov/18 | 859 | | 12-Jun-19 | | 13-Jul-19 | 1,521,065 | 63.1 | 8 | 11 of 19 | 330,871 | 2 | -1 | 2 | 9/Nov/18 | 805 | M | 23-May-19 | | 23-Jun-19 | 825,000 | 55 | 7 | 51 of 60 | 58,292 | 106 | -1 | 106 | 24/Aug/18 | 766 | | 08-Jun-19 | | 08-Jul-19 | 255,000 | 70.8 | 7 | 49 of 60 | 114,268 | 77,084 | -1.5 | 18,890 | 9/Jul/18 | 711 | M | 26-May-19 | | 26-Jun-19 | 430,000 | 74.8 | 7.5 | 47 of 60 | 49,467 | 109 | -1 | 109 | 27/Apr/18 | 694 | | 15-May-19 | | 15-Jun-19 | 1,794,606 | 56 | 6.5 | 3 of 17 | 944,506 | 332 | -1 | 332 | 11/Apr/18 | 673 | M | 22-May-19 | | 22-Jun-19 | 799,000 | 66.6 | 7.5 | 46 of 60 | 96,497 | 27 | -1 | 27 | 23/Mar/18 | 540 | M | 17-May-19 | | 17-Jun-19 | 370,000 | 69.8 | 7 | 40 of 60 | 11,680 | 37 | -1 | 37 | 18/Sep/17 |
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rscal
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Post by rscal on Jun 15, 2019 19:25:05 GMT
Ha! I was just checking this thread and found this latest update and noted it was '11 hours ago' and, seeing #694 @ 332 (and I had put in for 115 or so thinking: "probably OK, only want 1/3") and thought "Oh, others will have seen that by now. I could still use my IFISA as a second for my order here though." Well, you know how it was, only 3 minutes earlier the same loan had actually updated so I missed out.
As it was I did happen to pickup 2/3 of #981 whilst still being unfilled - indicating one other buyer in competition.
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bg
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Post by bg on Jun 17, 2019 9:42:09 GMT
Loan # | Events | Last P | First L | Next P | Amount | LTV | Rate | Term | Available | Discounted | Best Rate | Best Amt | Drew | 1019 | | 09-Jun-19 | | 09-Jul-19 | 1,135,000 | 52.8 | 5 | 59 of 60 | 475,626 | 21,204 | -1.5 | 426 | 10/May/19 | 998 | | 15-May-19 | | 15-Jul-19 | 115,000 | 57.5 | 5 | 59 of 60 | 16,609 | 12,657 | -1.5 | 8,419 | 16/Apr/19 | 974 | | 02-Jun-19 | | 02-Jul-19 | 208,000 | 69.3 | 6 | 58 of 60 | 184,237 | 5,306 | -1 | 5,306 | 3/Apr/19 | 981 | | 29-May-19 | | 29-Jun-19 | 585,029 | 56.7 | 7 | 23 of 25 | 283,419 | 3,122 | -1 | 3,122 | 29/Mar/19 | 954 | M | 07-Jun-19 | | 07-Jul-19 | 1,175,000 | 72.1 | 7 | 57 of 60 | 55,841 | 20,102 | -1 | 20,102 | 8/Mar/19 | 949 | | 03-Jun-19 | | 03-Jul-19 | 355,000 | 64 | 5.5 | 57 of 60 | 224,415 | 9,575 | -2.5 | 350 | 4/Mar/19 | 946 | | 27-May-19 | | 27-Jun-19 | 157,450 | 67 | 5.5 | 57 of 60 | 26,196 | 17,292 | -2 | 468 | 28/Feb/19 | 935 | | 17-May-19 | | 17-Jun-19 | 438,000 | 54.8 | 5 | 57 of 60 | 275,925 | 44,029 | -3.5 | 13,660 | 18/Feb/19 | 932 | | 12-Jun-19 | | 12-Jul-19 | 430,000 | 64.7 | 5 | 56 of 60 | 267,483 | 29,823 | -3.5 | 4,833 | 13/Feb/19 | 930 | | 11-Jun-19 | | 11-Jul-19 | 228,750 | 75 | 5.5 | 56 of 60 | 157,397 | 5,503 | -2 | 5,395 | 12/Feb/19 | 933 | L | 11-Jun-19 | 11-Jun-19 | 11-Jul-19 | 140,000 | 60.3 | 5.5 | 20 of 24 | 32,619 | 5,109 | -1.5 | 5,042 | 12/Feb/19 | 934 | | 11-Jun-19 | | 11-Jul-19 | 750,000 | 56.8 | 5 | 56 of 60 | 555,320 | 60,697 | -3 | 515 | 12/Feb/19 | 914 | M | 23-May-19 | | 23-Jun-19 | 1,133,000 | 47.2 | 5.5 | 32 of 36 | 46,563 | 13,530 | -2 | 889 | 24/Jan/19 | 869 | M | 28-May-19 | | 28-Jun-19 | 370,000 | 44.3 | 5 | 54 of 60 | 2,147 | 570 | -1 | 570 | 29/Nov/18 | 866 | | 15-May-19 | | 15-Jul-19 | 430,000 | 47.6 | 5 | 54 of 60 | 314,352 | 47 | -1 | 47 | 16/Nov/18 | 805 | M | 23-May-19 | | 23-Jun-19 | 825,000 | 55 | 7 | 51 of 60 | 58,478 | 54 | -1 | 54 | 24/Aug/18 | 774 | | 27-May-19 | | 15-Jul-19 | 1,327,287 | 69 | 7 | 8 of 18 | 189,226 | 2,000 | -1 | 2,000 | 13/Jul/18 | 766 | | 08-Jun-19 | | 08-Jul-19 | 255,000 | 70.8 | 7 | 49 of 60 | 113,917 | 76,733 | -1.5 | 18,538 | 9/Jul/18 | 753 | L | 27-Apr-19 | 13-Jun-19 | | 3,336,034 | 71.7 | 8 | 1 of 12 | 464,649 | 82 | -1 | 82 | 25/Jun/18 | 694 | | 15-May-19 | | 16-Jul-19 | 1,794,606 | 56 | 6.5 | 3 of 17 | 942,209 | 1,000 | -1 | 1,000 | 11/Apr/18 | 673 | M | 22-May-19 | | 22-Jun-19 | 799,000 | 66.6 | 7.5 | 46 of 60 | 95,680 | 27 | -1 | 27 | 23/Mar/18 | 573 | M | 09-Jun-19 | | 09-Jul-19 | 225,000 | 52 | 7 | 41 of 60 | 36,103 | 1,200 | -1 | 1,200 | 10/Nov/17 |
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bg
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Post by bg on Jun 27, 2019 6:28:21 GMT
Loan # | Events | Last P | First L | Next P | Amount | LTV | Rate | Term | Available | Discounted | Best Rate | Best Amt | Drew | 1019 | | 09-Jun-19 | | 09-Jul-19 | 1,135,000 | 52.8 | 5 | 59 of 60 | 475,462 | 21,134 | -1.5 | 508 | 10/May/19 | 998 | | 15-Jun-19 | | 15-Jul-19 | 115,000 | 57.5 | 5 | 58 of 60 | 15,950 | 12,005 | -1.5 | 7,739 | 16/Apr/19 | 974 | | 02-Jun-19 | | 02-Jul-19 | 208,000 | 69.3 | 6 | 58 of 60 | 183,969 | 5,439 | -1 | 5,439 | 3/Apr/19 | 981 | | 29-May-19 | | 29-Jun-19 | 585,029 | 56.7 | 7 | 22 of 25 | 278,701 | 948 | -1 | 948 | 29/Mar/19 | 954 | M | 07-Jun-19 | | 07-Jul-19 | 1,175,000 | 72.1 | 7 | 57 of 60 | 57,279 | 9,669 | -1 | 9,669 | 8/Mar/19 | 949 | | 03-Jun-19 | | 03-Jul-19 | 355,000 | 64 | 5.5 | 57 of 60 | 226,002 | 11,163 | -2 | 7,302 | 4/Mar/19 | 946 | | 27-May-19 | | 27-Jun-19 | 157,450 | 67 | 5.5 | 57 of 60 | 25,695 | 16,894 | -2 | 28 | 28/Feb/19 | 935 | | 17-Jun-19 | | 17-Jul-19 | 438,000 | 54.8 | 5 | 56 of 60 | 273,947 | 42,019 | -3.5 | 11,650 | 18/Feb/19 | 932 | | 12-Jun-19 | | 12-Jul-19 | 430,000 | 64.7 | 5 | 56 of 60 | 267,256 | 54,376 | -3.5 | 4,606 | 13/Feb/19 | 930 | | 11-Jun-19 | | 11-Jul-19 | 228,750 | 75 | 5.5 | 56 of 60 | 157,397 | 5,503 | -2 | 5,395 | 12/Feb/19 | 933 | | 11-Jun-19 | | 11-Jul-19 | 140,000 | 60.3 | 5.5 | 20 of 24 | 34,241 | 4,694 | -1.5 | 4,627 | 12/Feb/19 | 934 | | 11-Jun-19 | | 11-Jul-19 | 750,000 | 56.8 | 5 | 56 of 60 | 557,101 | 62,283 | -2.5 | 4,392 | 12/Feb/19 | 914 | M | 23-Jun-19 | | 23-Jul-19 | 1,133,000 | 47.2 | 5.5 | 31 of 36 | 46,237 | 13,204 | -2.5 | 920 | 24/Jan/19 | 869 | M | 28-May-19 | | 28-Jun-19 | 370,000 | 44.3 | 5 | 54 of 60 | 2,014 | 427 | -1.5 | 427 | 29/Nov/18 | 766 | | 08-Jun-19 | | 08-Jul-19 | 255,000 | 70.8 | 7 | 49 of 60 | 110,254 | 75,273 | -1.5 | 17,166 | 9/Jul/18 | 618 | ML | 15-Apr-19 | 30-May-19 | 15-Jul-19 | 1,028,524 | 62.3 | 6.5 | 4 of 20 | 351,444 | 61 | -1 | 61 | 13/Feb/18 | 573 | M | 09-Jun-19 | | 09-Jul-19 | 225,000 | 52 | 7 | 41 of 60 | 36,707 | 1,178 | -1 | 1,178 | 10/Nov/17 | 540 | M | 17-Jun-19 | | 17-Jul-19 | 370,000 | 69.8 | 7 | 39 of 60 | 11,561 | 710 | -1 | 710 | 18/Sep/17 |
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bg
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Post by bg on Jul 1, 2019 6:14:23 GMT
Loan # | Events | Last P | First L | Next P | Amount | LTV | Rate | Term | Available | Discounted | Best Rate | Best Amt | Drew | 1019 | | 09-Jun-19 | | 09-Jul-19 | 1,135,000 | 52.8 | 5 | 59 of 60 | 474,434 | 20,324 | -1 | 20,324 | 10/May/19 | 998 | | 15-Jun-19 | | 15-Jul-19 | 115,000 | 57.5 | 5 | 58 of 60 | 16,351 | 11,903 | -1.5 | 7,637 | 16/Apr/19 | 974 | | 02-Jun-19 | | 02-Jul-19 | 208,000 | 69.3 | 6 | 58 of 60 | 184,475 | 5,439 | -1 | 5,439 | 3/Apr/19 | 981 | | 29-May-19 | | 29-Jul-19 | 585,029 | 56.7 | 7 | 22 of 25 | 265,254 | 2,508 | -1 | 2,508 | 29/Mar/19 | 954 | M | 07-Jun-19 | | 07-Jul-19 | 1,175,000 | 72.1 | 7 | 57 of 60 | 56,179 | 9,562 | -1 | 9,562 | 8/Mar/19 | 949 | | 03-Jun-19 | | 03-Jul-19 | 355,000 | 64 | 5.5 | 57 of 60 | 226,549 | 11,194 | -2 | 7,334 | 4/Mar/19 | 946 | L | 27-May-19 | 27-Jun-19 | 27-Jul-19 | 157,450 | 67 | 5.5 | 57 of 60 | 26,243 | 16,930 | -2 | 63 | 28/Feb/19 | 935 | | 17-Jun-19 | | 17-Jul-19 | 438,000 | 54.8 | 5 | 56 of 60 | 274,154 | 41,709 | -3.5 | 11,340 | 18/Feb/19 | 932 | | 12-Jun-19 | | 12-Jul-19 | 430,000 | 64.7 | 5 | 56 of 60 | 268,079 | 54,682 | -3.5 | 4,862 | 13/Feb/19 | 930 | | 11-Jun-19 | | 11-Jul-19 | 228,750 | 75 | 5.5 | 56 of 60 | 157,907 | 5,503 | -2 | 5,395 | 12/Feb/19 | 933 | | 11-Jun-19 | | 11-Jul-19 | 140,000 | 60.3 | 5.5 | 20 of 24 | 34,067 | 4,564 | -1.5 | 4,497 | 12/Feb/19 | 934 | | 11-Jun-19 | | 11-Jul-19 | 750,000 | 56.8 | 5 | 56 of 60 | 557,029 | 61,820 | -2.5 | 3,688 | 12/Feb/19 | 914 | M | 23-Jun-19 | | 23-Jul-19 | 1,133,000 | 47.2 | 5.5 | 31 of 36 | 46,157 | 13,174 | -2.5 | 890 | 24/Jan/19 | 911 | M | 13-Jun-19 | | 13-Jul-19 | 750,000 | 68.2 | 6 | 55 of 60 | 1,185 | 400 | -1 | 400 | 14/Jan/19 | 869 | M | 28-May-19 | | 28-Jul-19 | 370,000 | 44.3 | 5 | 54 of 60 | 2,038 | 427 | -1.5 | 427 | 29/Nov/18 | 766 | | 08-Jun-19 | | 08-Jul-19 | 255,000 | 70.8 | 7 | 49 of 60 | 110,690 | 75,450 | -1.5 | 16,912 | 9/Jul/18 | 573 | M | 09-Jun-19 | | 09-Jul-19 | 225,000 | 52 | 7 | 41 of 60 | 37,840 | 1,178 | -1 | 1,178 | 10/Nov/17 | 540 | M | 17-Jun-19 | | 17-Jul-19 | 370,000 | 69.8 | 7 | 39 of 60 | 11,868 | 522 | -1 | 522 | 18/Sep/17 | 483 | M | 01-Jun-19 | | 01-Jul-19 | 500,000 | 64.7 | 7.6 | 36 of 60 | 30,804 | 47 | -1 | 47 | 2/Jun/17 |
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bg
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Post by bg on Jul 4, 2019 15:02:36 GMT
Loan # | Events | Last P | First L | Next P | Amount | LTV | Rate | Term | Available | Discounted | Best Rate | Best Amt | Drew | 1019 | | 09-Jun-19 | | 09-Jul-19 | 1,135,000 | 52.8 | 5 | 59 of 60 | 475,458 | 21,049 | -1 | 21,049 | 10/May/19 | 998 | | 15-Jun-19 | | 15-Jul-19 | 115,000 | 57.5 | 5 | 58 of 60 | 16,015 | 11,567 | -1.5 | 7,301 | 16/Apr/19 | 974 | | 02-Jul-19 | | 02-Aug-19 | 208,000 | 69.3 | 6 | 57 of 60 | 184,365 | 5,336 | -1 | 5,336 | 3/Apr/19 | 981 | L | 29-May-19 | 29-Jun-19 | 29-Jul-19 | 585,029 | 56.7 | 7 | 21 of 25 | 263,155 | 2,678 | -1 | 2,678 | 29/Mar/19 | 954 | M | 07-Jun-19 | | 07-Jul-19 | 1,175,000 | 72.1 | 7 | 57 of 60 | 63,142 | 9,562 | -1 | 9,562 | 8/Mar/19 | 949 | | 03-Jun-19 | | 03-Jul-19 | 355,000 | 64 | 5.5 | 57 of 60 | 226,701 | 11,138 | -2 | 7,278 | 4/Mar/19 | 946 | | 27-Jun-19 | | 27-Jul-19 | 157,450 | 67 | 5.5 | 56 of 60 | 26,969 | 17,644 | -2 | 28 | 28/Feb/19 | 935 | | 17-Jun-19 | | 17-Jul-19 | 438,000 | 54.8 | 5 | 56 of 60 | 274,446 | 41,833 | -3.5 | 11,414 | 18/Feb/19 | 932 | | 12-Jun-19 | | 12-Jul-19 | 430,000 | 64.7 | 5 | 56 of 60 | 268,027 | 54,630 | -3.5 | 4,809 | 13/Feb/19 | 930 | | 11-Jun-19 | | 11-Jul-19 | 228,750 | 75 | 5.5 | 56 of 60 | 156,859 | 4,454 | -2.5 | 2,950 | 12/Feb/19 | 933 | | 11-Jun-19 | | 11-Jul-19 | 140,000 | 60.3 | 5.5 | 20 of 24 | 34,406 | 4,491 | -1.5 | 4,424 | 12/Feb/19 | 934 | | 11-Jun-19 | | 11-Jul-19 | 750,000 | 56.8 | 5 | 56 of 60 | 557,841 | 62,565 | -2.5 | 4,301 | 12/Feb/19 | 916 | | 01-Jul-19 | | 31-Jul-19 | 787,767 | 44.4 | 6.5 | 14 of 19 | 330,932 | 2,895 | -1 | 2,895 | 31/Jan/19 | 914 | M | 23-Jun-19 | | 23-Jul-19 | 1,133,000 | 47.2 | 5.5 | 31 of 36 | 65,047 | 31,984 | -2.5 | 890 | 24/Jan/19 | 911 | M | 13-Jun-19 | | 13-Jul-19 | 750,000 | 68.2 | 6 | 55 of 60 | 1,235 | 450 | -2 | 400 | 14/Jan/19 | 869 | M | 28-Jun-19 | | 28-Jul-19 | 370,000 | 44.3 | 5 | 53 of 60 | 2,527 | 424 | -1.5 | 424 | 29/Nov/18 | 766 | | 08-Jun-19 | | 08-Jul-19 | 255,000 | 70.8 | 7 | 49 of 60 | 103,800 | 73,404 | -1.5 | 14,866 | 9/Jul/18 | 573 | M | 09-Jun-19 | | 09-Jul-19 | 225,000 | 52 | 7 | 41 of 60 | 38,029 | 1,127 | -1 | 1,127 | 10/Nov/17 | 540 | M | 17-Jun-19 | | 17-Jul-19 | 370,000 | 69.8 | 7 | 39 of 60 | 10,688 | 522 | -1 | 522 | 18/Sep/17 |
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Post by dan1 on Jul 4, 2019 15:22:56 GMT
Thanks bg . I'm just wondering how you define loans with a late payment? AC appear to give borrowers a 7 day grace period. According to the repayments tab for #981 interest payments were due on 29th Apr, 30th May (your table has 29th May), 30th June (your table has 29th June), 30th July (your table has 29th July), etc with payments made on 1st May, 31st May, 3rd July. Is there a reason for the differences in the dates and am I correct in thinking that you class a payment as late after 3 working days (30th June was a Saturday, payment made (or applied at least) on 3rd July)? Hope that makes sense.
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bg
Member of DD Central
Posts: 1,368
Likes: 1,929
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Post by bg on Jul 4, 2019 16:15:52 GMT
Thanks bg . I'm just wondering how you define loans with a late payment? AC appear to give borrowers a 7 day grace period. According to the repayments tab for #981 interest payments were due on 29th Apr, 30th May (your table has 29th May), 30th June (your table has 29th June), 30th July (your table has 29th July), etc with payments made on 1st May, 31st May, 3rd July. Is there a reason for the differences in the dates and am I correct in thinking that you class a payment as late after 3 working days (30th June was a Saturday, payment made (or applied at least) on 3rd July)? Hope that makes sense. Hi, It's been a while since this was set up but I think I set it to mark them L if the payment was 3 days late. I know AC give a longer grace period but the thinking was it may give me a heads up if there's a potential problem. In reality I ignore the L's until its more than a week, so I should really switch it to 7 days, but people can make their own decision. I can see the June payment has been made for that loan now but I only sweep the payments data in every 24 hours for each loan (I don't want to be sending unnecessary calls to AC's website) so the L should clear at some point today. As for the dates being a day out, not sure. I would have to dig into it to see what causes this. I will when I get a spare few minutes. Cheers.
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Post by dan1 on Jul 4, 2019 18:06:02 GMT
Thanks bg . I'm just wondering how you define loans with a late payment? AC appear to give borrowers a 7 day grace period. According to the repayments tab for #981 interest payments were due on 29th Apr, 30th May (your table has 29th May), 30th June (your table has 29th June), 30th July (your table has 29th July), etc with payments made on 1st May, 31st May, 3rd July. Is there a reason for the differences in the dates and am I correct in thinking that you class a payment as late after 3 working days (30th June was a Saturday, payment made (or applied at least) on 3rd July)? Hope that makes sense. Hi, It's been a while since this was set up but I think I set it to mark them L if the payment was 3 days late. I know AC give a longer grace period but the thinking was it may give me a heads up if there's a potential problem. In reality I ignore the L's until its more than a week, so I should really switch it to 7 days, but people can make their own decision. I can see the June payment has been made for that loan now but I only sweep the payments data in every 24 hours for each loan (I don't want to be sending unnecessary calls to AC's website) so the L should clear at some point today. As for the dates being a day out, not sure. I would have to dig into it to see what causes this. I will when I get a spare few minutes. Cheers. Thanks bg. I'm still comparatively new to AC and I find that digging through the details helps to get to grips with the mechanics of the platform. I'm inclined to think that 7 days is perhaps a little too long to wait before declaring it late but I can understand why given consecutive bank holidays at Easter/Christmas. I wouldn't worry about the dates, perhaps they were altered by a day after the loan drew down.
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