Market Surveys

Prosper Loan Loss Rate Drops by 65%
September-21-2010 Prosper releases analysis of peer-to-peer lending risk performance; Loan loss rates for “Prosper 2.0” loans trend markedly lower

Prosper Releases 12-Month Peer-to-Peer Lending Stats
August-18-2010 Prosper surpasses $200 million in loans; Weighted average Prosper borrower credit score is 738; Lender expected annual returns tracking at 10%

Prosper Closing in on $200 Million in Loans and Series D
March-31-2010 Prosper Enters Into Letter of Intent with New and Existing Investors to Raise $13.3 Million to $15.8 Million; Releases February Metrics

Prosper.com Sees Debt Consolidation Hit All Time High
February-23-2010 Largest peer-to-peer lender sees approximately 60% of loans going to debt consolidation borrowers

Prosper Releases Peer-to-Peer Lending Market Survey
January-26-2010 Largest peer-to-peer lending marketplace releases performance statistics

Prosper Sees Spike in Borrowers Seeking to Knock Out Credit Card Debt
December-08-2009 Majority of Largest Peer-to-Peer Lending Marketplace Borrowers Are Paying off High-Interest Credit Card Debt at a Lower Fixed Rate and Three-Year Term

Prosper Loan Volume Up 65 Percent
November-17-2009 Prosper Releases October Stats; Unveils Affiliate Program

Prosper Experiences Influx of Creditworthy Borrowers
October-07-2009 Monthly Market Survey Reveals Average Borrower Credit Score Has Risen Drastically; Average P2P Personal Loans Credit Score Jumps to 714

September 2008 Market Survey
October-14-2008 Chris Larsen, discusses what role Prosper will play and what trends we are seeing in the wake of this full blown crash of the global financial system.

August 2008 Market Survey
September-09-2008 Prosper CEO and Co-Founder, Chris Larsen, discusses the impact of the pervasive credit crunch on the Prosper marketplace.

July 2008 Market Survey
August-12-2008 For July, the survey includes statistics showing how borrowers who list and get funded in the Prosper marketplace indicate how they plan to use their personal loans. Also noteworthy, the percentage of prime borrowers hit an all time high, accounting for 47% of funded loans.

June 2008 Market Survey
July-16-2008 In June, two very interesting independent academic studies were released.

May 2008 Market Survey
June-10-2008 In May, a record number of loans—in terms of dollars and units—were funded in the Prosper marketplace. The sudden increased supply of loan listings with an attractive risk-return tradeoff (as cited in last month's survey) was the key driver of the record level of originations.

April 2008 Market Survey
May-13-2008 The supply of loan listings with an attractive risk-return tradeoff hit an all time high and approximately doubled compared to the prior month. At the end of March, the supply of loan listings with an attractive risk-return tradeoff was approximately $5 million; and at the end of April the supply increased to approximately $11 million and has remained at that level into May.

March 2008 Market Survey
Apr-08-2008 Prosper's mix of "well priced" loans has dramatically changed from the same period last year with approximately a 200% increase in the percentage of "well priced" loans and a six-fold decrease in "low priced" loans. Part of this positive trend is attributable to the introduction of portfolio plans and performance guidance from the Prosper Marketplace.

February 2008 Market Survey
Mar-11-2008 Spurred by the credit crunch, attractive rates, and lender demand for conservative assets, Prosper reported that the number of prime borrowers creating listings and obtaining loans continues to hit record levels.

January 2008 Market Survey
Feb-12-2008 Since launching on February 13, 2006, Prosper's funded loan volume has grown to over $117 million, up approximately $81 million or 225% from its first year. Prosper's national membership now consists of over 580,000 individuals, up approximately 405,000 or 230% over the same period.

December 2007 Market Survey
Jan-15-2007 2007 proved to be a pivotal year for US markets as we abruptly transitioned from optimism to fear of imminent recession. Who could have predicted at the start of 2007 that the word "subprime" would be voted the word of the year?

November 2007 Market Survey
Dec-11-2007 The $100 million milestone is a reminder that Prosper's rich and unique set of historical performance data has the potential to benefit both lenders and borrowers. The free flow of information is the cornerstone of any successful marketplace and Prosper is committed to making its marketplace data transparent and accessible.

October 2007 Market Survey
Nov-13-2007 While Prosper lenders are shying away from subprime, there is ongoing strong demand for the ever increasing number of prime and near prime borrowers coming to Prosper to consolidate their credit card debt at lower rates and to fund or expand their small business endeavors.

September 2007 Market Survey
Oct-12-2007 Many might assume that the Prosper marketplace would act less like the mortgage markets and more like the credit card and savings rate markets given that the latter compete with Prosper. Nevertheless, the month over month drop in average borrower rates indicates that the Prosper marketplace may have anticipated the Fed cut.

August 2007 Market Survey
Sep-12-2007 As consumers are being hit with the evaporation of introductory credit card rate offers and home equity loan options, Prosper is becoming an even more attractive financing alternative, particularly for more creditworthy borrowers.