An initial investment in Lending Club

I've been a Prosper lender for years but I've been thinking about branching out to lending on Lending Club, as well. Since I've been looking at words which have performed poorly on Prosper I wanted to extend that search to Lending Club, as well.

What follows is Lending Club data taken from about two months ago. For D, E, F and G loans we can see that the words used seem to correlate with the loans similarly on both sites:

Description	Total Loans	Percent Good	Percent Bad	Fully Paid	Current	Charged Off	Default
D,E,F,G All	8840	81.1%	9.4%	15.5%	65.6%	7.5%	.1%
D,E,F,G With 'need'	1455	77.9%	16.2%	21.6%	56.3%	13.8%	.1%
D,E,F,G With 'help'	1422	80.3%	11.3%	18.9%	61.4%	9.3%	.4%
D,E,F,G With 'chance'	84	83.3%	7.1%	22.6%	60.7%	6%	0%
D,E,F,G With 'behind'	65	78.5%	16.9%	18.5%	60%	15.4%	0%
D,E,F,G With 'payday'	12	41.7%	58.3%	25%	16.7%	58.3%	0%

'Need', 'help', 'behind', and 'payday' all have fewer Good loans (defined as 'Fully Paid' and 'Current') and more Bad loans (defined as 'Charged Off', 'Default', and 'Late (31-120 days)'). The only exception in the words I searched here is for the word 'Chance' which actually performed better than the average loan. (This could be true for Prosper, as well, and is worth further investigation.)

When taken as a group, the four bad words yield the following results:

Description	Total Loans	Percent Good	Percent Bad	Fully Paid	Current	Charged Off	Default
D,E,F,G All	8840	81.1%	9.4%	15.5%	65.6%	7.5%	.1%
D,E,F,G without 'help', 'behind', 'need', 'payday'	6436	81.8%	7.8%	13.8%	68%	6%	.1%

So, as I start to invest, I expect that I'll only be investing in loans where the title and description does not have any of these words.