From the excellent article...
“Every American,” Larsen said, “can be their own banker. I can back other entrepreneurs, I can back people in my community ...
Can't be done.
Borrowers don't want to tell us - as per Prosper's advice, IIRC - which community they live in.
Well anyway, I've come to realize it doesn't matter. Just cuz someone lives close to me doesn't mean they can pay their bills. And we've already seen one lender (group leader, actually) go knocking on the door of a nearby non-paying borrower but to no avail.