Form 424B3 Prosper Funding LLC
Listing Report: Supplement No.
4 dated
Dec 02, 2021 to Prospectus dated
Nov 23, 2021
File pursuant to Rule 424(b)(3)
Registration Statement Nos. 333-257739 and 333-257739-01
Prosper Funding LLC
Borrower Payment Dependent Notes
Prosper Marketplace, Inc.
PMI Management Rights
Prosper Marketplace, Inc.
PMI Management Rights
This Listing Report supplements the prospectus dated
Nov 23, 2021
and provides information about each loan request (referred to as a "listing") and series of
Borrower Payment Dependent Notes (the "Notes") Prosper Funding LLC is currently offering.
Prospective investors should read this Listing Report supplement together with the prospectus dated
Nov 23, 2021
to understand the terms and conditions of the Notes and how they are offered,
as well as the risks of investing in Notes. As described in the prospectus dated
Nov 23, 2021,
each Note will come attached with a PMI Management Right issued by Prosper Marketplace, Inc.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series
12573979
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $11,000.00 | Prosper Rating: | B | Listing Duration: | 14 days |
Minimum Amount to Fund: | $7,700 | Term: | 60 months | Initial Status: | F |
Investor yield: | 10.90% | Borrower rate/APR: | 11.89% / 14.19% | Monthly payment: | $244.13 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.74% - 7.90% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 7 | First credit line: | Sep-2006 | Debt/Income ratio: | 12% |
TU FICO range: | 760-779 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 7 / 7 | Length of status: | 2y 7m |
Amount delinquent: | $0 | Total credit lines: | 13 | Occupation: | Construction |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $2,925 | Stated income: | $75,000-99,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 16% | ||
Has Mortgage: | No | Borrower's state: | New York |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12573922
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $2,000.00 | Prosper Rating: | A | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 9.85% | Borrower rate/APR: | 10.85% / 14.44% | Monthly payment: | $65.34 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.60% - 6.73% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 7 | First credit line: | Jun-2001 | Debt/Income ratio: | 27% |
TU FICO range: | 660-679 (Dec-2021) | Inquiries last 6m: | Not available | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 36 / 36 | Length of status: | 34y 4m |
Amount delinquent: | $0 | Total credit lines: | 56 | Occupation: | Teacher |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $52,030 | Stated income: | $100,000+ |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 97% | ||
Has Mortgage: | Yes | Borrower's state: | Oregon |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Special Occasion
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12573865
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $20,000.00 | Prosper Rating: | AA | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 5.30% | Borrower rate/APR: | 6.30% / 7.95% | Monthly payment: | $611.16 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.38% - 5.29% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 11 | First credit line: | Jul-1999 | Debt/Income ratio: | 13% |
TU FICO range: | 760-779 (Dec-2021) | Inquiries last 6m: | 1 | Employment status: | Other |
Current delinquencies: | 0 | Current / open credit lines: | 8 / 8 | Length of status: | 9y 5m |
Amount delinquent: | $0 | Total credit lines: | 35 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $4,868 | Stated income: | $75,000-99,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 22% | ||
Has Mortgage: | Yes | Borrower's state: | Illinois |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Home Improvement
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12573847
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $10,000.00 | Prosper Rating: | C | Listing Duration: | 14 days |
Minimum Amount to Fund: | $7,000 | Term: | 36 months | Initial Status: | F |
Investor yield: | 15.00% | Borrower rate/APR: | 16.00% / 19.70% | Monthly payment: | $351.57 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.26% - 9.05% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 3 | First credit line: | Dec-2018 | Debt/Income ratio: | 34% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | 2 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 8 / 8 | Length of status: | 1y 4m |
Amount delinquent: | $0 | Total credit lines: | 8 | Occupation: | Skilled Labor |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $7,773 | Stated income: | $25,000-49,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 53% | ||
Has Mortgage: | No | Borrower's state: | Illinois |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12573844
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $4,000.00 | Prosper Rating: | E | Listing Duration: | 14 days |
Minimum Amount to Fund: | $2,800 | Term: | 36 months | Initial Status: | F |
Investor yield: | 20.69% | Borrower rate/APR: | 21.69% / 25.52% | Monthly payment: | $152.12 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.86% - 14.06% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 2 | First credit line: | Sep-2005 | Debt/Income ratio: | 21% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | 2 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 15 / 15 | Length of status: | 0y 4m |
Amount delinquent: | $0 | Total credit lines: | 52 | Occupation: | Analyst |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $8,255 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 7 | Bankcard utilization: | 58% | ||
Has Mortgage: | No | Borrower's state: | Maryland |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12573781
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $8,000.00 | Prosper Rating: | D | Listing Duration: | 14 days |
Minimum Amount to Fund: | $5,600 | Term: | 36 months | Initial Status: | F |
Investor yield: | 17.70% | Borrower rate/APR: | 18.70% / 22.46% | Monthly payment: | $292.04 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.13% - 11.67% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 4 | First credit line: | Sep-2016 | Debt/Income ratio: | 16% |
TU FICO range: | 640-659 (Dec-2021) | Inquiries last 6m: | 4 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 13 / 13 | Length of status: | Not available |
Amount delinquent: | $0 | Total credit lines: | 16 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $4,716 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 1 | Bankcard utilization: | 28% | ||
Has Mortgage: | No | Borrower's state: | California |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Large Purchase
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374774
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $3,000.00 | Prosper Rating: | E | Listing Duration: | 14 days |
Minimum Amount to Fund: | $2,100 | Term: | 60 months | Initial Status: | F |
Investor yield: | 24.90% | Borrower rate/APR: | 25.90% / 28.53% | Monthly payment: | $89.64 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.86% - 14.06% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 1 | First credit line: | Sep-2007 | Debt/Income ratio: | 8% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | 3 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 12 / 12 | Length of status: | Not available |
Amount delinquent: | $0 | Total credit lines: | 23 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $2,878 | Stated income: | $100,000+ |
Delinquencies in last 7y: | 1 | Bankcard utilization: | 32% | ||
Has Mortgage: | No | Borrower's state: | California |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Other
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374738
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $3,000.00 | Prosper Rating: | AA | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 6.66% | Borrower rate/APR: | 7.66% / 11.18% | Monthly payment: | $93.54 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.38% - 5.29% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 11 | First credit line: | Jul-1993 | Debt/Income ratio: | 14% |
TU FICO range: | 720-739 (Dec-2021) | Inquiries last 6m: | 2 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 11 / 11 | Length of status: | 11y 11m |
Amount delinquent: | $0 | Total credit lines: | 24 | Occupation: | Sales - Commission |
Public records last 24m/10y: | 0 / 1 | Revolving credit balance: | $2,410 | Stated income: | $75,000-99,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 6% | ||
Has Mortgage: | Yes | Borrower's state: | New Jersey |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374735
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $3,500.00 | Prosper Rating: | E | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 20.00% | Borrower rate/APR: | 21.00% / 24.81% | Monthly payment: | $131.86 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.86% - 14.06% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 3 | First credit line: | Mar-2013 | Debt/Income ratio: | 3% |
TU FICO range: | 660-679 (Dec-2021) | Inquiries last 6m: | Not available | Employment status: | Employed |
Current delinquencies: | 1 | Current / open credit lines: | 5 / 6 | Length of status: | 6y 2m |
Amount delinquent: | $16 | Total credit lines: | 21 | Occupation: | Administrative Assistant |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $106 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 1 | Bankcard utilization: | 3% | ||
Has Mortgage: | No | Borrower's state: | Texas |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Other
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374720
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $4,500.00 | Prosper Rating: | E | Listing Duration: | 14 days |
Minimum Amount to Fund: | $3,150 | Term: | 36 months | Initial Status: | F |
Investor yield: | 21.60% | Borrower rate/APR: | 22.60% / 26.45% | Monthly payment: | $173.26 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.86% - 14.06% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 1 | First credit line: | Apr-2019 | Debt/Income ratio: | 23% |
TU FICO range: | 640-659 (Dec-2021) | Inquiries last 6m: | 1 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 6 / 6 | Length of status: | Not available |
Amount delinquent: | $0 | Total credit lines: | 8 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $3,292 | Stated income: | $25,000-49,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 89% | ||
Has Mortgage: | No | Borrower's state: | Arizona |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374705
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $10,000.00 | Prosper Rating: | B | Listing Duration: | 14 days |
Minimum Amount to Fund: | $7,000 | Term: | 36 months | Initial Status: | F |
Investor yield: | 9.80% | Borrower rate/APR: | 10.80% / 14.38% | Monthly payment: | $326.44 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.74% - 7.90% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 7 | First credit line: | Nov-2011 | Debt/Income ratio: | 32% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | 3 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 6 / 6 | Length of status: | 6y 3m |
Amount delinquent: | $0 | Total credit lines: | 12 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $3,437 | Stated income: | $75,000-99,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 55% | ||
Has Mortgage: | No | Borrower's state: | Kansas |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374630
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $20,000.00 | Prosper Rating: | C | Listing Duration: | 14 days |
Term: | 60 months | Initial Status: | F | ||
Investor yield: | 16.23% | Borrower rate/APR: | 17.23% / 19.64% | Monthly payment: | $499.53 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.26% - 9.05% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 8 | First credit line: | Jan-2012 | Debt/Income ratio: | 32% |
TU FICO range: | 760-779 (Nov-2021) | Inquiries last 6m: | 1 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 7 / 7 | Length of status: | 0y 4m |
Amount delinquent: | $0 | Total credit lines: | 13 | Occupation: | Truck Driver |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $16,726 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 32% | ||
Has Mortgage: | No | Borrower's state: | Hawaii |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Home Improvement
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374555
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $3,000.00 | Prosper Rating: | B | Listing Duration: | 14 days |
Minimum Amount to Fund: | $2,100 | Term: | 36 months | Initial Status: | F |
Investor yield: | 9.50% | Borrower rate/APR: | 10.50% / 14.08% | Monthly payment: | $97.51 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.74% - 7.90% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 7 | First credit line: | Jun-2010 | Debt/Income ratio: | 2% |
TU FICO range: | 700-719 (Dec-2021) | Inquiries last 6m: | 2 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 3 / 3 | Length of status: | 14y 7m |
Amount delinquent: | $0 | Total credit lines: | 6 | Occupation: | Other |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $773 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 48% | ||
Has Mortgage: | No | Borrower's state: | South Dakota |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Large Purchase
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374531
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $10,000.00 | Prosper Rating: | C | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 14.41% | Borrower rate/APR: | 15.40% / 19.09% | Monthly payment: | $348.66 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.26% - 9.05% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 5 | First credit line: | May-2006 | Debt/Income ratio: | 28% |
TU FICO range: | 700-719 (Dec-2021) | Inquiries last 6m: | 3 | Employment status: | Other |
Current delinquencies: | 0 | Current / open credit lines: | 20 / 20 | Length of status: | 16y 7m |
Amount delinquent: | $0 | Total credit lines: | 31 | Occupation: | Not available |
Public records last 24m/10y: | 0 / 1 | Revolving credit balance: | $25,506 | Stated income: | $75,000-99,999 |
Delinquencies in last 7y: | 1 | Bankcard utilization: | 39% | ||
Has Mortgage: | Yes | Borrower's state: | California |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374516
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $6,000.00 | Prosper Rating: | C | Listing Duration: | 14 days |
Minimum Amount to Fund: | $4,200 | Term: | 60 months | Initial Status: | F |
Investor yield: | 11.87% | Borrower rate/APR: | 12.87% / 15.18% | Monthly payment: | $136.12 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.26% - 9.05% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 7 | First credit line: | Jun-2020 | Debt/Income ratio: | 9% |
TU FICO range: | 740-759 (Nov-2021) | Inquiries last 6m: | 0 | Employment status: | Self-employed |
Current delinquencies: | 0 | Current / open credit lines: | 5 / 5 | Length of status: | 0y 10m |
Amount delinquent: | $0 | Total credit lines: | 5 | Occupation: | Other |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $367 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 0% | ||
Has Mortgage: | No | Borrower's state: | New Jersey |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Medical / Dental
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374507
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $2,000.00 | Prosper Rating: | E | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 21.60% | Borrower rate/APR: | 22.60% / 26.45% | Monthly payment: | $77.00 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.86% - 14.06% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 1 | First credit line: | Sep-2017 | Debt/Income ratio: | 9% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | 4 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 3 / 3 | Length of status: | Not available |
Amount delinquent: | $0 | Total credit lines: | 3 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $1,268 | Stated income: | $25,000-49,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 42% | ||
Has Mortgage: | No | Borrower's state: | California |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Large Purchase
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374486
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $2,000.00 | Prosper Rating: | D | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 17.20% | Borrower rate/APR: | 18.20% / 21.95% | Monthly payment: | $72.51 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.13% - 11.67% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 2 | First credit line: | Jan-2020 | Debt/Income ratio: | 6% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | 1 | Employment status: | Other |
Current delinquencies: | 0 | Current / open credit lines: | 15 / 15 | Length of status: | 6y 10m |
Amount delinquent: | $0 | Total credit lines: | 17 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $928 | Stated income: | $100,000+ |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 3% | ||
Has Mortgage: | No | Borrower's state: | Texas |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Auto / Motorcycle / RV / Boat
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374375
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $2,000.00 | Prosper Rating: | E | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 23.10% | Borrower rate/APR: | 24.09% / 27.98% | Monthly payment: | $78.57 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.86% - 14.06% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 2 | First credit line: | Dec-2017 | Debt/Income ratio: | 9% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 3 / 3 | Length of status: | 0y 6m |
Amount delinquent: | $0 | Total credit lines: | 7 | Occupation: | Food Service |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $522 | Stated income: | $25,000-49,999 |
Delinquencies in last 7y: | 2 | Bankcard utilization: | 52% | ||
Has Mortgage: | No | Borrower's state: | California |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Household Expenses
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374363
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $10,000.00 | Prosper Rating: | B | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 10.90% | Borrower rate/APR: | 11.89% / 15.51% | Monthly payment: | $331.67 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.74% - 7.90% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 9 | First credit line: | Apr-2017 | Debt/Income ratio: | 26% |
TU FICO range: | 700-719 (Dec-2021) | Inquiries last 6m: | 4 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 13 / 13 | Length of status: | 5y 2m |
Amount delinquent: | $0 | Total credit lines: | 24 | Occupation: | Analyst |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $6,327 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 23% | ||
Has Mortgage: | Yes | Borrower's state: | California |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374297
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $12,000.00 | Prosper Rating: | B | Listing Duration: | 14 days |
Minimum Amount to Fund: | $8,400 | Term: | 36 months | Initial Status: | F |
Investor yield: | 10.88% | Borrower rate/APR: | 11.88% / 15.49% | Monthly payment: | $397.88 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.74% - 7.90% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 8 | First credit line: | Dec-2011 | Debt/Income ratio: | 9% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 6 / 6 | Length of status: | 4y 0m |
Amount delinquent: | $0 | Total credit lines: | 11 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $14 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 5 | Bankcard utilization: | 0% | ||
Has Mortgage: | No | Borrower's state: | Texas |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374279
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $15,000.00 | Prosper Rating: | A | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 8.25% | Borrower rate/APR: | 9.25% / 12.80% | Monthly payment: | $478.74 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.60% - 6.73% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 11 | First credit line: | Mar-2006 | Debt/Income ratio: | 16% |
TU FICO range: | 740-759 (Dec-2021) | Inquiries last 6m: | Not available | Employment status: | Self-employed |
Current delinquencies: | 0 | Current / open credit lines: | 13 / 13 | Length of status: | 19y 2m |
Amount delinquent: | $0 | Total credit lines: | 19 | Occupation: | Engineer - Electrical |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $22,576 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 18% | ||
Has Mortgage: | No | Borrower's state: | New York |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374219
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $7,500.00 | Prosper Rating: | AA | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 7.50% | Borrower rate/APR: | 8.50% / 12.04% | Monthly payment: | $236.76 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.38% - 5.29% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 11 | First credit line: | Jan-1989 | Debt/Income ratio: | 13% |
TU FICO range: | 720-739 (Nov-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 10 / 10 | Length of status: | 6y 8m |
Amount delinquent: | $0 | Total credit lines: | 23 | Occupation: | Construction |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $9,331 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 5 | Bankcard utilization: | 39% | ||
Has Mortgage: | Yes | Borrower's state: | Wisconsin |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Home Improvement
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374195
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $5,000.00 | Prosper Rating: | B | Listing Duration: | 14 days |
Minimum Amount to Fund: | $3,500 | Term: | 36 months | Initial Status: | F |
Investor yield: | 11.30% | Borrower rate/APR: | 12.30% / 15.92% | Monthly payment: | $166.79 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.74% - 7.90% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 9 | First credit line: | Jun-2017 | Debt/Income ratio: | 17% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | Not available | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 9 / 9 | Length of status: | 5y 6m |
Amount delinquent: | $0 | Total credit lines: | 9 | Occupation: | Food Service |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $8,727 | Stated income: | $25,000-49,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 36% | ||
Has Mortgage: | No | Borrower's state: | New York |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374174
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $17,000.00 | Prosper Rating: | D | Listing Duration: | 14 days |
Minimum Amount to Fund: | $11,900 | Term: | 60 months | Initial Status: | F |
Investor yield: | 15.00% | Borrower rate/APR: | 16.00% / 18.38% | Monthly payment: | $413.41 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.13% - 11.67% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 6 | First credit line: | Aug-2015 | Debt/Income ratio: | 24% |
TU FICO range: | 660-679 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 10 / 10 | Length of status: | 12y 2m |
Amount delinquent: | $0 | Total credit lines: | 15 | Occupation: | Construction |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $8,238 | Stated income: | $100,000+ |
Delinquencies in last 7y: | 3 | Bankcard utilization: | 78% | ||
Has Mortgage: | Yes | Borrower's state: | Washington |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Other
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12374096
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $4,500.00 | Prosper Rating: | A | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 8.25% | Borrower rate/APR: | 9.25% / 12.80% | Monthly payment: | $143.62 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.60% - 6.73% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 11 | First credit line: | May-2010 | Debt/Income ratio: | 25% |
TU FICO range: | 720-739 (Nov-2021) | Inquiries last 6m: | Not available | Employment status: | Other |
Current delinquencies: | 0 | Current / open credit lines: | 15 / 15 | Length of status: | 3y 5m |
Amount delinquent: | $0 | Total credit lines: | 20 | Occupation: | Professional |
Public records last 24m/10y: | 0 / 1 | Revolving credit balance: | $6,426 | Stated income: | $25,000-49,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 18% | ||
Has Mortgage: | No | Borrower's state: | Florida |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583551
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $30,000.00 | Prosper Rating: | A | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 9.45% | Borrower rate/APR: | 10.45% / 14.03% | Monthly payment: | $974.37 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.60% - 6.73% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 11 | First credit line: | Oct-2018 | Debt/Income ratio: | 30% |
TU FICO range: | 760-779 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 5 / 5 | Length of status: | 3y 2m |
Amount delinquent: | $0 | Total credit lines: | 6 | Occupation: | Analyst |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $601 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 8% | ||
Has Mortgage: | No | Borrower's state: | Florida |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Home Improvement
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583509
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $4,000.00 | Prosper Rating: | C | Listing Duration: | 14 days |
Minimum Amount to Fund: | $2,800 | Term: | 36 months | Initial Status: | F |
Investor yield: | 14.30% | Borrower rate/APR: | 15.29% / 18.98% | Monthly payment: | $139.25 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.26% - 9.05% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 3 | First credit line: | Jan-2021 | Debt/Income ratio: | 5% |
TU FICO range: | 660-679 (Dec-2021) | Inquiries last 6m: | 3 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 3 / 3 | Length of status: | 2y 3m |
Amount delinquent: | $0 | Total credit lines: | 3 | Occupation: | Food Service |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $748 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 47% | ||
Has Mortgage: | No | Borrower's state: | Illinois |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583494
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $4,000.00 | Prosper Rating: | E | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 23.10% | Borrower rate/APR: | 24.09% / 27.98% | Monthly payment: | $157.14 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.86% - 14.06% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 3 | First credit line: | May-2012 | Debt/Income ratio: | 32% |
TU FICO range: | 640-659 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 16 / 16 | Length of status: | 9y 10m |
Amount delinquent: | $0 | Total credit lines: | 26 | Occupation: | Analyst |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $42,995 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 98% | ||
Has Mortgage: | No | Borrower's state: | Texas |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Auto / Motorcycle / RV / Boat
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583428
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $3,000.00 | Prosper Rating: | C | Listing Duration: | 14 days |
Minimum Amount to Fund: | $2,100 | Term: | 36 months | Initial Status: | F |
Investor yield: | 13.40% | Borrower rate/APR: | 14.39% / 18.06% | Monthly payment: | $103.12 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.26% - 9.05% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 4 | First credit line: | Mar-2012 | Debt/Income ratio: | 24% |
TU FICO range: | 700-719 (Dec-2021) | Inquiries last 6m: | 1 | Employment status: | Employed |
Current delinquencies: | 1 | Current / open credit lines: | 10 / 10 | Length of status: | Not available |
Amount delinquent: | $0 | Total credit lines: | 21 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $2,975 | Stated income: | $75,000-99,999 |
Delinquencies in last 7y: | 2 | Bankcard utilization: | 53% | ||
Has Mortgage: | No | Borrower's state: | Texas |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Large Purchase
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583422
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $3,500.00 | Prosper Rating: | D | Listing Duration: | 14 days |
Minimum Amount to Fund: | $2,450 | Term: | 36 months | Initial Status: | F |
Investor yield: | 16.00% | Borrower rate/APR: | 17.00% / 20.72% | Monthly payment: | $124.78 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.13% - 11.67% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 3 | First credit line: | Nov-2015 | Debt/Income ratio: | 24% |
TU FICO range: | 720-739 (Dec-2021) | Inquiries last 6m: | 2 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 4 / 4 | Length of status: | Not available |
Amount delinquent: | $0 | Total credit lines: | 10 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $4,611 | Stated income: | $25,000-49,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 71% | ||
Has Mortgage: | No | Borrower's state: | Oregon |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583410
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $20,000.00 | Prosper Rating: | A | Listing Duration: | 14 days |
Term: | 60 months | Initial Status: | F | ||
Investor yield: | 8.55% | Borrower rate/APR: | 9.55% / 11.78% | Monthly payment: | $420.53 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.60% - 6.73% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 11 | First credit line: | May-1987 | Debt/Income ratio: | 15% |
TU FICO range: | 760-779 (Nov-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 7 / 7 | Length of status: | 15y 4m |
Amount delinquent: | $0 | Total credit lines: | 25 | Occupation: | Teacher |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $7,425 | Stated income: | $75,000-99,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 44% | ||
Has Mortgage: | Yes | Borrower's state: | Kansas |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583278
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $3,000.00 | Prosper Rating: | E | Listing Duration: | 14 days |
Minimum Amount to Fund: | $2,100 | Term: | 36 months | Initial Status: | F |
Investor yield: | 21.60% | Borrower rate/APR: | 22.60% / 26.45% | Monthly payment: | $115.50 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.86% - 14.06% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 2 | First credit line: | Nov-2019 | Debt/Income ratio: | 9% |
TU FICO range: | 660-679 (Dec-2021) | Inquiries last 6m: | 1 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 9 / 9 | Length of status: | 3y 10m |
Amount delinquent: | $0 | Total credit lines: | 9 | Occupation: | Construction |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $4,651 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 38% | ||
Has Mortgage: | No | Borrower's state: | California |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583245
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $2,000.00 | Prosper Rating: | D | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 15.20% | Borrower rate/APR: | 16.20% / 19.90% | Monthly payment: | $70.51 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.13% - 11.67% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 2 | First credit line: | Mar-2015 | Debt/Income ratio: | 5% |
TU FICO range: | 740-759 (Dec-2021) | Inquiries last 6m: | 1 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 6 / 6 | Length of status: | 9y 3m |
Amount delinquent: | $0 | Total credit lines: | 9 | Occupation: | Postal Service |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $0 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 0% | ||
Has Mortgage: | No | Borrower's state: | Louisiana |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Auto / Motorcycle / RV / Boat
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583242
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $16,000.00 | Prosper Rating: | C | Listing Duration: | 14 days |
Term: | 60 months | Initial Status: | F | ||
Investor yield: | 15.63% | Borrower rate/APR: | 16.63% / 19.02% | Monthly payment: | $394.47 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.26% - 9.05% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 7 | First credit line: | Dec-1989 | Debt/Income ratio: | 51% |
TU FICO range: | 720-739 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 27 / 27 | Length of status: | 3y 5m |
Amount delinquent: | $0 | Total credit lines: | 44 | Occupation: | Other |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $18,006 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 33% | ||
Has Mortgage: | No | Borrower's state: | Kansas |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12574441
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $6,000.00 | Prosper Rating: | C | Listing Duration: | 14 days |
Minimum Amount to Fund: | $4,200 | Term: | 36 months | Initial Status: | F |
Investor yield: | 14.10% | Borrower rate/APR: | 15.10% / 18.78% | Monthly payment: | $208.29 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.26% - 9.05% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 3 | First credit line: | Mar-2020 | Debt/Income ratio: | 22% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | 2 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 5 / 5 | Length of status: | 2y 9m |
Amount delinquent: | $0 | Total credit lines: | 5 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $1,920 | Stated income: | $25,000-49,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 58% | ||
Has Mortgage: | No | Borrower's state: | Michigan |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12574420
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $5,000.00 | Prosper Rating: | C | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 17.11% | Borrower rate/APR: | 18.11% / 21.86% | Monthly payment: | $181.04 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.26% - 9.05% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 5 | First credit line: | Nov-2001 | Debt/Income ratio: | 35% |
TU FICO range: | 700-719 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 17 / 17 | Length of status: | 20y 9m |
Amount delinquent: | $0 | Total credit lines: | 28 | Occupation: | Sales - Retail |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $26,561 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 1 | Bankcard utilization: | 74% | ||
Has Mortgage: | Yes | Borrower's state: | New Jersey |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12574354
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $13,000.00 | Prosper Rating: | D | Listing Duration: | 14 days |
Minimum Amount to Fund: | $9,100 | Term: | 36 months | Initial Status: | F |
Investor yield: | 18.40% | Borrower rate/APR: | 19.40% / 23.17% | Monthly payment: | $479.16 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.13% - 11.67% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 4 | First credit line: | Oct-2010 | Debt/Income ratio: | 13% |
TU FICO range: | 680-699 (Nov-2021) | Inquiries last 6m: | 2 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 10 / 10 | Length of status: | 5y 11m |
Amount delinquent: | $0 | Total credit lines: | 13 | Occupation: | Other |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $12,383 | Stated income: | $75,000-99,999 |
Delinquencies in last 7y: | 2 | Bankcard utilization: | 49% | ||
Has Mortgage: | No | Borrower's state: | Kansas |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12574342
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $15,000.00 | Prosper Rating: | C | Listing Duration: | 14 days |
Minimum Amount to Fund: | $10,500 | Term: | 36 months | Initial Status: | F |
Investor yield: | 14.84% | Borrower rate/APR: | 15.84% / 19.53% | Monthly payment: | $526.17 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.26% - 9.05% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 5 | First credit line: | Apr-2014 | Debt/Income ratio: | 10% |
TU FICO range: | 640-659 (Dec-2021) | Inquiries last 6m: | 4 | Employment status: | Self-employed |
Current delinquencies: | 0 | Current / open credit lines: | 15 / 15 | Length of status: | Not available |
Amount delinquent: | $0 | Total credit lines: | 34 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $21,187 | Stated income: | $100,000+ |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 46% | ||
Has Mortgage: | Yes | Borrower's state: | Virginia |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Other
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12574321
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $10,000.00 | Prosper Rating: | B | Listing Duration: | 14 days |
Minimum Amount to Fund: | $7,000 | Term: | 36 months | Initial Status: | F |
Investor yield: | 8.72% | Borrower rate/APR: | 9.71% / 13.28% | Monthly payment: | $321.36 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.74% - 7.90% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 10 | First credit line: | May-2018 | Debt/Income ratio: | 30% |
TU FICO range: | 640-659 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 3 / 3 | Length of status: | 4y 4m |
Amount delinquent: | $0 | Total credit lines: | 7 | Occupation: | Construction |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $1,328 | Stated income: | $25,000-49,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 35% | ||
Has Mortgage: | No | Borrower's state: | Georgia |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12574309
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $19,000.00 | Prosper Rating: | D | Listing Duration: | 14 days |
Minimum Amount to Fund: | $13,300 | Term: | 36 months | Initial Status: | F |
Investor yield: | 15.90% | Borrower rate/APR: | 16.90% / 20.62% | Monthly payment: | $676.46 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.13% - 11.67% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 7 | First credit line: | Apr-2008 | Debt/Income ratio: | 13% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | 3 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 7 / 7 | Length of status: | 2y 0m |
Amount delinquent: | $0 | Total credit lines: | 17 | Occupation: | Sales - Commission |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $6,677 | Stated income: | $100,000+ |
Delinquencies in last 7y: | 5 | Bankcard utilization: | 20% | ||
Has Mortgage: | No | Borrower's state: | California |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Other
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12574267
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $6,000.00 | Prosper Rating: | D | Listing Duration: | 14 days |
Minimum Amount to Fund: | $4,200 | Term: | 36 months | Initial Status: | F |
Investor yield: | 16.80% | Borrower rate/APR: | 17.80% / 21.54% | Monthly payment: | $216.31 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.13% - 11.67% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 1 | First credit line: | May-2002 | Debt/Income ratio: | 31% |
TU FICO range: | 700-719 (Dec-2021) | Inquiries last 6m: | 1 | Employment status: | Other |
Current delinquencies: | 0 | Current / open credit lines: | 9 / 10 | Length of status: | 9y 0m |
Amount delinquent: | $0 | Total credit lines: | 16 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $2,954 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 1 | Bankcard utilization: | 18% | ||
Has Mortgage: | No | Borrower's state: | Indiana |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12574213
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $5,000.00 | Prosper Rating: | E | Listing Duration: | 14 days |
Minimum Amount to Fund: | $3,500 | Term: | 36 months | Initial Status: | F |
Investor yield: | 23.10% | Borrower rate/APR: | 24.09% / 27.98% | Monthly payment: | $196.43 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.86% - 14.06% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 1 | First credit line: | Mar-2020 | Debt/Income ratio: | 7% |
TU FICO range: | 640-659 (Dec-2021) | Inquiries last 6m: | 2 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 7 / 7 | Length of status: | 18y 6m |
Amount delinquent: | $0 | Total credit lines: | 8 | Occupation: | Laborer |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $1,637 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 1 | Bankcard utilization: | 37% | ||
Has Mortgage: | No | Borrower's state: | Minnesota |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12574210
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $8,000.00 | Prosper Rating: | C | Listing Duration: | 14 days |
Minimum Amount to Fund: | $5,600 | Term: | 36 months | Initial Status: | F |
Investor yield: | 13.10% | Borrower rate/APR: | 14.09% / 17.76% | Monthly payment: | $273.81 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.26% - 9.05% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 5 | First credit line: | Apr-2007 | Debt/Income ratio: | 14% |
TU FICO range: | 660-679 (Dec-2021) | Inquiries last 6m: | 1 | Employment status: | Self-employed |
Current delinquencies: | 0 | Current / open credit lines: | 13 / 13 | Length of status: | 15y 8m |
Amount delinquent: | $0 | Total credit lines: | 19 | Occupation: | Sales - Commission |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $1,703 | Stated income: | $25,000-49,999 |
Delinquencies in last 7y: | 3 | Bankcard utilization: | 16% | ||
Has Mortgage: | Yes | Borrower's state: | Georgia |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Auto / Motorcycle / RV / Boat
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12574204
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $10,000.00 | Prosper Rating: | AA | Listing Duration: | 14 days |
Minimum Amount to Fund: | $7,000 | Term: | 36 months | Initial Status: | F |
Investor yield: | 5.30% | Borrower rate/APR: | 6.30% / 7.95% | Monthly payment: | $305.58 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.38% - 5.29% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 11 | First credit line: | Apr-2005 | Debt/Income ratio: | 10% |
TU FICO range: | 780-799 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Self-employed |
Current delinquencies: | 0 | Current / open credit lines: | 5 / 5 | Length of status: | 3y 6m |
Amount delinquent: | $0 | Total credit lines: | 16 | Occupation: | Realtor |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $735 | Stated income: | $75,000-99,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 3% | ||
Has Mortgage: | No | Borrower's state: | California |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Medical / Dental
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12574147
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $5,000.00 | Prosper Rating: | D | Listing Duration: | 14 days |
Minimum Amount to Fund: | $3,500 | Term: | 36 months | Initial Status: | F |
Investor yield: | 18.50% | Borrower rate/APR: | 19.50% / 23.28% | Monthly payment: | $184.55 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.13% - 11.67% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 3 | First credit line: | Oct-2008 | Debt/Income ratio: | 17% |
TU FICO range: | 640-659 (Dec-2021) | Inquiries last 6m: | 2 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 11 / 11 | Length of status: | 1y 4m |
Amount delinquent: | $0 | Total credit lines: | 13 | Occupation: | Other |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $3,210 | Stated income: | $25,000-49,999 |
Delinquencies in last 7y: | 1 | Bankcard utilization: | 9% | ||
Has Mortgage: | Yes | Borrower's state: | Wyoming |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12574111
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $20,000.00 | Prosper Rating: | A | Listing Duration: | 14 days |
Term: | 60 months | Initial Status: | F | ||
Investor yield: | 8.55% | Borrower rate/APR: | 9.55% / 11.78% | Monthly payment: | $420.53 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.60% - 6.73% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 11 | First credit line: | Dec-1996 | Debt/Income ratio: | 26% |
TU FICO range: | 740-759 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 15 / 15 | Length of status: | 30y 6m |
Amount delinquent: | $0 | Total credit lines: | 30 | Occupation: | Police Officer/Correction Officer |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $17,126 | Stated income: | $75,000-99,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 62% | ||
Has Mortgage: | Yes | Borrower's state: | California |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12574084
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $25,000.00 | Prosper Rating: | D | Listing Duration: | 14 days |
Minimum Amount to Fund: | $17,500 | Term: | 60 months | Initial Status: | F |
Investor yield: | 18.00% | Borrower rate/APR: | 19.00% / 21.45% | Monthly payment: | $648.51 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.13% - 11.67% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 7 | First credit line: | Mar-2009 | Debt/Income ratio: | 29% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | 1 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 18 / 18 | Length of status: | 4y 8m |
Amount delinquent: | $0 | Total credit lines: | 21 | Occupation: | Engineer - Electrical |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $24,381 | Stated income: | $75,000-99,999 |
Delinquencies in last 7y: | 1 | Bankcard utilization: | 38% | ||
Has Mortgage: | Yes | Borrower's state: | Florida |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12574063
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $20,000.00 | Prosper Rating: | AA | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 5.30% | Borrower rate/APR: | 6.30% / 7.95% | Monthly payment: | $611.16 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.38% - 5.29% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 11 | First credit line: | Feb-1975 | Debt/Income ratio: | 27% |
TU FICO range: | 800-819 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Other |
Current delinquencies: | 0 | Current / open credit lines: | 16 / 16 | Length of status: | 10y 9m |
Amount delinquent: | $0 | Total credit lines: | 34 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $8,711 | Stated income: | $100,000+ |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 8% | ||
Has Mortgage: | Yes | Borrower's state: | Georgia |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12573997
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $7,500.00 | Prosper Rating: | C | Listing Duration: | 14 days |
Minimum Amount to Fund: | $5,250 | Term: | 36 months | Initial Status: | F |
Investor yield: | 13.60% | Borrower rate/APR: | 14.60% / 18.27% | Monthly payment: | $258.52 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.26% - 9.05% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 3 | First credit line: | Dec-2017 | Debt/Income ratio: | 32% |
TU FICO range: | 720-739 (Dec-2021) | Inquiries last 6m: | 3 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 10 / 10 | Length of status: | 3y 1m |
Amount delinquent: | $0 | Total credit lines: | 13 | Occupation: | Administrative Assistant |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $3,591 | Stated income: | $25,000-49,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 22% | ||
Has Mortgage: | No | Borrower's state: | New Hampshire |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12573988
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $26,400.00 | Prosper Rating: | AA | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 7.56% | Borrower rate/APR: | 8.55% / 12.10% | Monthly payment: | $834.12 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.38% - 5.29% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 11 | First credit line: | Nov-1992 | Debt/Income ratio: | 41% |
TU FICO range: | 800-819 (Dec-2021) | Inquiries last 6m: | Not available | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 20 / 20 | Length of status: | 4y 2m |
Amount delinquent: | $0 | Total credit lines: | 44 | Occupation: | Sales - Commission |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $30,018 | Stated income: | $100,000+ |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 24% | ||
Has Mortgage: | Yes | Borrower's state: | California |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583914
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $20,000.00 | Prosper Rating: | B | Listing Duration: | 14 days |
Minimum Amount to Fund: | $14,000 | Term: | 60 months | Initial Status: | F |
Investor yield: | 10.50% | Borrower rate/APR: | 11.50% / 13.78% | Monthly payment: | $439.85 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.74% - 7.90% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 9 | First credit line: | Jan-2006 | Debt/Income ratio: | 18% |
TU FICO range: | 760-779 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 22 / 22 | Length of status: | 0y 6m |
Amount delinquent: | $0 | Total credit lines: | 34 | Occupation: | Professional |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $104,443 | Stated income: | $100,000+ |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 5% | ||
Has Mortgage: | Yes | Borrower's state: | Florida |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583884
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $15,000.00 | Prosper Rating: | E | Listing Duration: | 14 days |
Term: | 60 months | Initial Status: | F | ||
Investor yield: | 23.03% | Borrower rate/APR: | 24.03% / 26.61% | Monthly payment: | $431.78 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.86% - 14.06% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 3 | First credit line: | Aug-2012 | Debt/Income ratio: | 47% |
TU FICO range: | 700-719 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 12 / 12 | Length of status: | 1y 5m |
Amount delinquent: | $0 | Total credit lines: | 15 | Occupation: | Other |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $12,942 | Stated income: | $25,000-49,999 |
Delinquencies in last 7y: | 1 | Bankcard utilization: | 52% | ||
Has Mortgage: | Yes | Borrower's state: | Arkansas |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583833
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $10,000.00 | Prosper Rating: | D | Listing Duration: | 14 days |
Term: | 60 months | Initial Status: | F | ||
Investor yield: | 18.23% | Borrower rate/APR: | 19.23% / 21.69% | Monthly payment: | $260.67 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.13% - 11.67% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 5 | First credit line: | May-2012 | Debt/Income ratio: | 19% |
TU FICO range: | 700-719 (Dec-2021) | Inquiries last 6m: | 1 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 11 / 11 | Length of status: | 9y 3m |
Amount delinquent: | $0 | Total credit lines: | 15 | Occupation: | Tradesman - Mechanic |
Public records last 24m/10y: | 0 / 1 | Revolving credit balance: | $6,315 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 42% | ||
Has Mortgage: | No | Borrower's state: | Pennsylvania |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583794
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $3,000.00 | Prosper Rating: | C | Listing Duration: | 14 days |
Minimum Amount to Fund: | $2,100 | Term: | 36 months | Initial Status: | F |
Investor yield: | 13.60% | Borrower rate/APR: | 14.60% / 18.27% | Monthly payment: | $103.41 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.26% - 9.05% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 5 | First credit line: | Aug-2020 | Debt/Income ratio: | 11% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | 1 | Employment status: | Other |
Current delinquencies: | 0 | Current / open credit lines: | 8 / 8 | Length of status: | 7y 2m |
Amount delinquent: | $0 | Total credit lines: | 9 | Occupation: | Not available |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $2,931 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 31% | ||
Has Mortgage: | No | Borrower's state: | Pennsylvania |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583746
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $20,000.00 | Prosper Rating: | B | Listing Duration: | 14 days |
Minimum Amount to Fund: | $14,000 | Term: | 60 months | Initial Status: | F |
Investor yield: | 11.98% | Borrower rate/APR: | 12.98% / 15.29% | Monthly payment: | $454.86 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.74% - 7.90% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 6 | First credit line: | May-2020 | Debt/Income ratio: | 15% |
TU FICO range: | 740-759 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 3 / 3 | Length of status: | 2y 7m |
Amount delinquent: | $0 | Total credit lines: | 3 | Occupation: | Other |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $299 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 25% | ||
Has Mortgage: | No | Borrower's state: | Virginia |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Other
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583692
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $5,000.00 | Prosper Rating: | E | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 26.06% | Borrower rate/APR: | 27.06% / 31.02% | Monthly payment: | $204.29 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.86% - 14.06% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 3 | First credit line: | Mar-2014 | Debt/Income ratio: | 21% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | Not available | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 7 / 7 | Length of status: | 0y 7m |
Amount delinquent: | $0 | Total credit lines: | 12 | Occupation: | Truck Driver |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $9,755 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 80% | ||
Has Mortgage: | No | Borrower's state: | Maryland |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Vacation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583668
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $25,000.00 | Prosper Rating: | B | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 13.71% | Borrower rate/APR: | 14.71% / 18.38% | Monthly payment: | $863.09 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.74% - 7.90% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 10 | First credit line: | Jul-2015 | Debt/Income ratio: | 19% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | Not available | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 4 / 4 | Length of status: | 0y 4m |
Amount delinquent: | $0 | Total credit lines: | 14 | Occupation: | Professor |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $9,621 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 60% | ||
Has Mortgage: | No | Borrower's state: | Texas |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583644
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $25,000.00 | Prosper Rating: | C | Listing Duration: | 14 days |
Minimum Amount to Fund: | $17,500 | Term: | 36 months | Initial Status: | F |
Investor yield: | 13.10% | Borrower rate/APR: | 14.09% / 17.76% | Monthly payment: | $855.66 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.26% - 9.05% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 5 | First credit line: | Sep-1994 | Debt/Income ratio: | 23% |
TU FICO range: | 660-679 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 12 / 12 | Length of status: | 19y 11m |
Amount delinquent: | $0 | Total credit lines: | 24 | Occupation: | Police Officer/Correction Officer |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $14,090 | Stated income: | $100,000+ |
Delinquencies in last 7y: | 5 | Bankcard utilization: | 93% | ||
Has Mortgage: | Yes | Borrower's state: | Florida |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583617
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $15,000.00 | Prosper Rating: | E | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 21.11% | Borrower rate/APR: | 22.11% / 25.95% | Monthly payment: | $573.71 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.86% - 14.06% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 4 | First credit line: | Dec-2006 | Debt/Income ratio: | 37% |
TU FICO range: | 680-699 (Dec-2021) | Inquiries last 6m: | 1 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 7 / 7 | Length of status: | 3y 5m |
Amount delinquent: | $0 | Total credit lines: | 22 | Occupation: | Construction |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $3,532 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 5 | Bankcard utilization: | 8% | ||
Has Mortgage: | No | Borrower's state: | Illinois |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Home Improvement
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583605
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $8,000.00 | Prosper Rating: | B | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 9.50% | Borrower rate/APR: | 10.50% / 14.08% | Monthly payment: | $260.02 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.74% - 7.90% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 8 | First credit line: | Sep-2006 | Debt/Income ratio: | 30% |
TU FICO range: | 720-739 (Dec-2021) | Inquiries last 6m: | 1 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 27 / 27 | Length of status: | 16y 10m |
Amount delinquent: | $0 | Total credit lines: | 36 | Occupation: | Administrative Assistant |
Public records last 24m/10y: | 0 / 1 | Revolving credit balance: | $3,186 | Stated income: | $25,000-49,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 14% | ||
Has Mortgage: | No | Borrower's state: | South Carolina |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12583572
The following information pertains to the borrower loan being requested, that corresponds to the
series of Notes to be issued upon the funding of the borrower loan, in the event the listing
receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount
required for the loan to fund.
Amount: | $15,000.00 | Prosper Rating: | AA | Listing Duration: | 14 days |
Term: | 36 months | Initial Status: | F | ||
Investor yield: | 5.30% | Borrower rate/APR: | 6.30% / 7.95% | Monthly payment: | $458.37 |
Investor servicing fee: | 1.00% | Historical Return*: | 3.38% - 5.29% | ||
* Historical Return Range for Single or Multiple Prosper Ratings (e.g., Loan Listing, Auto Invest)
Represents the Historical Return Range for the Prosper Rating or mix of Prosper Ratings (as applicable) as of
November 30, 2021.
Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses
(including from charged-off loans).
To be included in the historical return (“Historical Return”) calculation, the loan must have originated
(a) on or after July 1, 2009, and
(b) at least 12 months prior to the calculation date.
We calculate the Historical Return for loans originated through Prosper as follows.
First, loans are separated into distinct “Groups” based on the specific month and year in which
they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination.
For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees,
minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans,
plus net debt sale proceeds on sold loans, minus gross principal losses; divided by
(b) the sum of the principal balances outstanding on active loans at the end of each day since origination.
We then annualize the result to get the “Historical Return” for the Group. Once this calculation is performed for every Group,
we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns
of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the “Historical Return Range”
of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation,
“active” means loans that are current in payments or delinquent less than 120 days; loans that have paid off,
charged-off or are in default are not considered active.
The Historical Return calculation (a) is updated monthly; and
(b) excludes the impact of servicing related non-cash corrective adjustments that
may modify the outstanding balance or status of a borrower loan.
The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note,
which is highly uncertain. Individual results may vary.
Historical performance is no guarantee of future results and the information presented
is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11): | 11 | First credit line: | Feb-2000 | Debt/Income ratio: | 33% |
TU FICO range: | 780-799 (Dec-2021) | Inquiries last 6m: | 0 | Employment status: | Employed |
Current delinquencies: | 0 | Current / open credit lines: | 9 / 9 | Length of status: | 12y 6m |
Amount delinquent: | $0 | Total credit lines: | 17 | Occupation: | Truck Driver |
Public records last 24m/10y: | Not available / 0 | Revolving credit balance: | $11,052 | Stated income: | $50,000-74,999 |
Delinquencies in last 7y: | 0 | Bankcard utilization: | 11% | ||
Has Mortgage: | No | Borrower's state: | Washington |
Credit information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Other
Information in the Description is not verified.
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