Prosper Loan Data - Variable Definitions
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VariableDescription
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ListingKeyUnique key for each listing, same value as the 'key' used in the listing object in the API.
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ListingNumberThe number that uniquely identifies the listing to the public as displayed on the website.
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ListingCreationDateThe date the listing was created.
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CreditGradeThe Credit rating that was assigned at the time the listing went live. Applicable for listings pre-2009 period and will only be populated for those listings.
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TermThe length of the loan expressed in months.
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LoanStatusThe current status of the loan: Cancelled, Chargedoff, Completed, Current, Defaulted, FinalPaymentInProgress, PastDue. The PastDue status will be accompanied by a delinquency bucket.
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ClosedDateClosed date is applicable for Cancelled, Completed, Chargedoff and Defaulted loan statuses.
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BorrowerAPRThe Borrower's Annual Percentage Rate (APR) for the loan.
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BorrowerRateThe Borrower's interest rate for this loan.
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LenderYieldThe Lender yield on the loan. Lender yield is equal to the interest rate on the loan less the servicing fee.
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EstimatedEffectiveYieldEffective yield is equal to the borrower interest rate (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Applicable for loans originated after July 2009.
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EstimatedLossEstimated loss is the estimated principal loss on charge-offs. Applicable for loans originated after July 2009.
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EstimatedReturnThe estimated return assigned to the listing at the time it was created. Estimated return is the difference between the Estimated Effective Yield and the Estimated Loss Rate. Applicable for loans originated after July 2009.
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ProsperRating (numeric)The Prosper Rating assigned at the time the listing was created: 0 - N/A, 1 - HR, 2 - E, 3 - D, 4 - C, 5 - B, 6 - A, 7 - AA. Applicable for loans originated after July 2009.
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ProsperRating (Alpha)The Prosper Rating assigned at the time the listing was created between AA - HR. Applicable for loans originated after July 2009.
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ProsperScoreA custom risk score built using historical Prosper data. The score ranges from 1-10, with 10 being the best, or lowest risk score. Applicable for loans originated after July 2009.
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ListingCategoryThe category of the listing that the borrower selected when posting their listing: 0 - Not Available, 1 - Debt Consolidation, 2 - Home Improvement, 3 - Business, 4 - Personal Loan, 5 - Student Use, 6 - Auto, 7- Other, 8 - Baby&Adoption, 9 - Boat, 10 - Cosmetic Procedure, 11 - Engagement Ring, 12 - Green Loans, 13 - Household Expenses, 14 - Large Purchases, 15 - Medical/Dental, 16 - Motorcycle, 17 - RV, 18 - Taxes, 19 - Vacation, 20 - Wedding Loans
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BorrowerStateThe two letter abbreviation of the state of the address of the borrower at the time the Listing was created.
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OccupationThe Occupation selected by the Borrower at the time they created the listing.
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EmploymentStatusThe employment status of the borrower at the time they posted the listing.
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EmploymentStatusDurationThe length in months of the employment status at the time the listing was created.
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IsBorrowerHomeownerA Borrower will be classified as a homowner if they have a mortgage on their credit profile or provide documentation confirming they are a homeowner.
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CurrentlyInGroupSpecifies whether or not the Borrower was in a group at the time the listing was created.
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GroupKeyThe Key of the group in which the Borrower is a member of. Value will be null if the borrower does not have a group affiliation.
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DateCreditPulledThe date the credit profile was pulled.
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CreditScoreRangeLowerThe lower value representing the range of the borrower's credit score as provided by a consumer credit rating agency.
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CreditScoreRangeUpperThe upper value representing the range of the borrower's credit score as provided by a consumer credit rating agency.
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FirstRecordedCreditLineThe date the first credit line was opened.
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CurrentCreditLinesNumber of current credit lines at the time the credit profile was pulled.
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OpenCreditLinesNumber of open credit lines at the time the credit profile was pulled.
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TotalCreditLinespast7yearsNumber of credit lines in the past seven years at the time the credit profile was pulled.
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OpenRevolvingAccountsNumber of open revolving accounts at the time the credit profile was pulled.
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OpenRevolvingMonthlyPaymentMonthly payment on revolving accounts at the time the credit profile was pulled.
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InquiriesLast6MonthsNumber of inquiries in the past six months at the time the credit profile was pulled.
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TotalInquiriesTotal number of inquiries at the time the credit profile was pulled.
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CurrentDelinquenciesNumber of accounts delinquent at the time the credit profile was pulled.
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AmountDelinquentDollars delinquent at the time the credit profile was pulled.
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DelinquenciesLast7YearsNumber of delinquencies in the past 7 years at the time the credit profile was pulled.
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PublicRecordsLast10YearsNumber of public records in the past 10 years at the time the credit profile was pulled.
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PublicRecordsLast12MonthsNumber of public records in the past 12 months at the time the credit profile was pulled.
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RevolvingCreditBalanceDollars of revolving credit at the time the credit profile was pulled.
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BankcardUtilizationThe percentage of available revolving credit that is utilized at the time the credit profile was pulled.
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AvailableBankcardCreditThe total available credit via bank card at the time the credit profile was pulled.
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TotalTradesNumber of trade lines ever opened at the time the credit profile was pulled.
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TradesNeverDelinquentNumber of trades that have never been delinquent at the time the credit profile was pulled.
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TradesOpenedLast6MonthsNumber of trades opened in the last 6 months at the time the credit profile was pulled.
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DebtToIncomeRatioThe debt to income ratio of the borrower at the time the credit profile was pulled. This value is Null if the debt to income ratio is not available. This value is capped at 10.01 (any debt to income ratio larger than 1000% will be returned as 1001%).
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IncomeRangeThe income range of the borrower at the time the listing was created.
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IncomeVerifiableThe borrower indicated they have the required documentation to support their income.
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StatedMonthlyIncomeThe monthly income the borrower stated at the time the listing was created.
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LoanKeyUnique key for each loan. This is the same key that is used in the API.
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TotalProsperLoansNumber of Prosper loans the borrower at the time they created this listing. This value will be null if the borrower had no prior loans.
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TotalProsperPaymentsBilledNumber of on time payments the borrower made on Prosper loans at the time they created this listing. This value will be null if the borrower had no prior loans.
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OnTimeProsperPaymentsNumber of on time payments the borrower had made on Prosper loans at the time they created this listing. This value will be null if the borrower has no prior loans.
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ProsperPaymentsLessThanOneMonthLateNumber of payments the borrower made on Prosper loans that were less than one month late at the time they created this listing. This value will be null if the borrower had no prior loans.
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ProsperPaymentsOneMonthPlusLateNumber of payments the borrower made on Prosper loans that were greater than one month late at the time they created this listing. This value will be null if the borrower had no prior loans.
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ProsperPrincipalBorrowedTotal principal borrowed on Prosper loans at the time the listing was created. This value will be null if the borrower had no prior loans.
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ProsperPrincipalOutstandingPrincipal outstanding on Prosper loans at the time the listing was created. This value will be null if the borrower had no prior loans.
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ScorexChangeAtTimeOfListingBorrower's credit score change at the time the credit profile was pulled. This will be the change relative to the borrower's last Prosper loan. This value will be null if the borrower had no prior loans.
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LoanCurrentDaysDelinquentThe number of days delinquent.
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LoanFirstDefaultedCycleNumberThe cycle the loan was charged off. If the loan has not charged off the value will be null.
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LoanMonthsSinceOriginationNumber of months since the loan originated.
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LoanNumberUnique numeric value associated with the loan.
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LoanOriginalAmountThe origination amount of the loan.
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LoanOriginationDateThe date the loan was originated.
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LoanOriginationQuarterThe quarter in which the loan was originated.
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MemberKeyThe unique key that is associated with the borrower. This is the same identifier that is used in the API member object.
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MonthlyLoanPaymentThe scheduled monthly loan payment.
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LP_CustomerPaymentsPre charge-off cumulative gross payments made by the borrower on the loan. If the loan has charged off, this value will exclude any recoveries.
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LP_CustomerPrincipalPaymentsPre charge-off cumulative principal payments made by the borrower on the loan. If the loan has charged off, this value will exclude any recoveries.
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LP_InterestandFeesPre charge-off cumulative interest and fees paid by the borrower. If the loan has charged off, this value will exclude any recoveries.
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LP_ServiceFeesCumulative service fees paid by the investors who have invested in the loan.
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LP_CollectionFeesCumulative collection fees paid by the investors who have invested in the loan.
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LP_GrossPrincipalLossThe gross charged off amount of the loan.
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LP_NetPrincipalLossThe principal that remains uncollected after any recoveries.
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LP_NonPrincipalRecoverypaymentsThe interest and fee component of any recovery payments. The current payment policy applies payments in the following order: Fees, interest, principal.
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PercentFundedPercent the listing was funded.
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RecommendationsNumber of recommendations the borrower had at the time the listing was created.
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InvestmentFromFriendsCountNumber of friends that made an investment in the loan.
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InvestmentFromFriendsAmountDollar amount of investments that were made by friends.
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InvestorsThe number of investors that funded the loan.
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