Recent change of pattern ?

One potential reason for the domination of Finnish loans is that lenders are wary of them and as james points out the (good) Estonian ones are bid out fairly quickly by investment profiles.

That 27% rate is why you are seeing few loans. It's far too high to get many matches. The way it works is that the interest rate you use sets the average minimum size of loan that you will be part of. That in turn combines with your amount per loan to set your lending speed.

While I've more analysis that is only partly done, in the 60 month A1000 group a rate of even 20% would have assured inclusion in these loan sizes in a small sample of loans: €4625, too high, too high, €4370, €8735. Those aren't average sizes. I selected them deliberately to give a higher than usual range of interest rates to help me work out what interest rate I'd need to use to be included in a particular size of loan.

In a bigger sample of this 60A1000 group the highest value 25% of loans were for €6000 or more. Top 50% were for €4000 or more. Top 10% were for €8000 or more. This is the least rate-sensitive Estonian A1000 loan term and even here you'd need to be offering 19% or 20% to be included in half of loans.

Looking at 36 month and shorter terms the competition is greater and you'd need a lower rate to be included in 50% of loans.

You might need lower rates in the week or two from the 10th of the month because those seven days are when a large chunk of Estonian payments happen. So people who didn't have money to lend will have some until the repayment money runs out.

If you want to get a better idea and have a good chance of being included in half of loans I suggest that you try 19% for 48 and 60 months and 17% (may be too high) for shorter terms. Adjust together with your loan size until you get the lending speed you want. Don't try to lend too fast, loan quality varies with time and it is good to have time diversification.

You can also shop in the resale market. You should find good things to buy there. Given the large number of loans that you're not part of, you won't see many on sale that you already have. It's easy enough to buy loans at 20% or more rate that aren't late. Many won't even have reached first payment day yet. More available at lower rates as well. And of course still more that are late. You do need to look at them to pick the ones you want, of course. If you were to see one from me at a rate of 50% you can be certain that it is only at that rate because I think it's about to default and prefer to pay someone else to deal with the debt collection process by selling it at a discount. But you'll also find loans at 16% or 17% and above from me that are just being sold because I don't like the rate or something about the borrower. If I get a loan at 16% I'll usually sell it and make sure that the rate to the buyer is 16% or 17% or higher. Don't ignore the ones being sold at a premium price, those are often the best ones for a new investor to buy. If someone is selling at a discount they have a reason and it sometimes won't be as simple as me not liking the rate and offering a premium just to get rid of the loan. Or it might be as simple as that. Just check.

At that rate you'll get nearly none EE A1000 loans.

I've got my main profile currently bidding at EE A1000 loans at 21% and I get a sufficient number of loans (mostly at 28%).
In fact depsite high repayments (e.g. 208€ on March 10th) my cash balance left in the account is quite often almost zero preventing the profile from bidding on even more loans.

Today was a busy lending day for me. 12 loans issued, adding to 5 on Tuesday and 3 on Monday this week. So today's score:

8 A1000 at 28% that I will keep.
3 A1000 that are or will be in resale. (16% low rate, 28% bailiff mentioned in application, 28% other)
3 A1000 bids that may become low rate loans to sell.
1 B1000 at 28%

yes a busy day for me as well, 10 A1000 @ 28% and one at 26%.  A couple more sales on the aftermarket of loans that have had / are having problems and a fair number of late payers have got back up to date ......so all in all very satisfactory.

I'm also keeping a healthy balance at present.

I too have my profile set to get a lot of A1000 loans in quite small amounts, trying to match the loans to my available cash and keep the profiles running continuously.   My average this month is so far about 26% which is better than the last 2 months, so I am quite pleased with the current situation.   I am not selling lower rate loans as they are usually to people with strong financial details, so unlikely to default, however it is annoying when non quick loans starting at quite low rates are driven down even lower by manual bids during the week, some people don't seem to understand the system.   Maybe in another year the present lower rate loans will seem much more attractive and can be sold at a profit later.   Even the lowest isePankur rates seem attractive compared to most of the returns available on other platforms and their volume has grown to three times the level when I started with them in August.