Loan Amount Requested: Loan amount requested by borrower.
Lender Yield - Direct P2P: Yield percentage is the lender's effective yield, based on the borrower's interest rate. The yield percentage already factors in the effect that servicing fees have on your yield.
Loan Forecast: The funding forecast graph (found on every Direct P2P listing) will let you know the likelihood that a loan will be fully funded.
Prosper Rating: A proprietary rating developed by Prosper allowing you to analyze a listing's level of risk.
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Estimated loss: Derived based on the historical performance of a portfolio of similar loans.
Base Prosper score: A custom risk score built using historical Prosper data. The score ranges from 1 to 10, with 10 being the best, or lowest risk score.
Enhanced Prosper score: Another custom risk score built using more recent historical Prosper data. The score ranges from 1 to 5, with 5 being the best, or lowest risk score.
Recent credit score: The range of the borrower's credit score as provided by a consumer credit rating agency in a recent credit inquiry.
Now delinquent: The number of accounts of the borrower that are currently late. This includes accounts with charged-off balances.
Amount delinquent: "Amount delinquent" indicates the past due amounts owed by the borrower. This includes accounts included in Chapter 13 bankruptcies, but excludes all other bankruptcies. Charge-offs or other unpaid derogatory account balances are included, provided the related creditor grantor has reported an amount past due to the credit bureau. Please note that not all grantor's creditors will report an amount past due with a charge-off or derogatory late status.
Public records last 12m / 10y: The number of public records on the borrower's credit report. Public records include bankruptcies, liens and judgments.
Delinquencies in last 7y: The number of times the borrower has been more than 90 days late with a payment.
Inquiries last 6m: The number of times a bank or other business has requested the borrower's credit profile from a consumer credit rating agency.
First credit line: The date when the oldest account on the borrower's credit record was opened.
Current / open credit lines: The number of open or closed accounts in the borrower's name that the borrower is paying on time, and the total number of open accounts.
Total credit lines: The total number of credit lines appearing on the borrower's credit report.
Revolving credit balance: The total outstanding balance that the borrower owes on open credit cards or other revolving credit accounts.
Bankcard utilization: The sum of the balances owed on open bankcards divided by the sum of the cards' credit limits.
Homeownership: An indication whether the borrower has an outstanding mortgage on their credit report or has provided documentation supporting home ownership.
Debt/Income ratio: The sum of the borrower’s monthly debt payments divided by the borrower’s monthly income.
Stated income: The borrower’s yearly income bracket, as provided by the borrower.
Description: An explanation of why the borrower needs the loan and how they plan to use it. It may include a monthly budget.
Friends and Family Winning Bids: Bids from the borrower's family and friends can help provide credibility to a listing.
Questions & Answers: Lenders can ask borrowers questions about their listing.
