Listing Report: Supplement No.
16 dated
May 15, 2022 to Prospectus dated
Apr 25, 2022File 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
This Listing Report supplements the prospectus dated
Apr 25, 2022
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
Apr 25, 2022
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
Apr 25, 2022,
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
12771256
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:
| C |
Listing Duration:
| 14
days
|
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 16.93% |
Borrower rate/APR:
| 17.93% /
21.67% |
Monthly payment:
| $72.23 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.27% - 9.86% | | |
| | | |
* 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
April 30, 2022.
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-2018 |
Debt/Income ratio:
| 24% |
TU FICO range:
| 700-719
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 6
/
6 |
Length of status:
| 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation:
| Sales - Retail |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $144 |
Stated income:
| $1-24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12771217
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:
| 23.75% |
Borrower rate/APR:
| 24.75% /
28.65% |
Monthly payment:
| $118.88 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.87% - 14.98% | | |
| | | |
* 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
April 30, 2022.
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-2017 |
Debt/Income ratio:
| 28% |
TU FICO range:
| 680-699
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Other |
Current delinquencies:
| 1 |
Current / open credit lines:
| 9
/
9 |
Length of status:
| 2y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation:
| Not available |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $6,502 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 12% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12577100
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:
| HR |
Listing Duration:
| 14
days
|
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 28.20% |
Borrower rate/APR:
| 29.20% /
33.20% |
Monthly payment:
| $84.03 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.72% - 15.74% | | |
| | | |
* 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
April 30, 2022.
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:
| Oct-2019 |
Debt/Income ratio:
| 8% |
TU FICO range:
| 600-619
(May-2022)
|
Inquiries last 6m:
| 2 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 5
/
5 |
Length of status:
| 0y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation:
| Other |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $1,984 |
Stated income:
| $75,000-99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12577085
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:
| B |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $4,200 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 12.75% |
Borrower rate/APR:
| 13.75% /
17.39% |
Monthly payment:
| $204.34 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.75% - 8.05% | | |
| | | |
* 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
April 30, 2022.
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-2015 |
Debt/Income ratio:
| 42% |
TU FICO range:
| 720-739
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 7
/
7 |
Length of status:
| 3y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation:
| Administrative Assistant |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $949 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 7% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12577052
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:
| $7,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $4,900 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 25.20% |
Borrower rate/APR:
| 26.20% /
30.13% |
Monthly payment:
| $282.78 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.87% - 14.98% | | |
| | | |
* 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
April 30, 2022.
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:
| Aug-2012 |
Debt/Income ratio:
| 17% |
TU FICO range:
| 620-639
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 1 |
Current / open credit lines:
| 17
/
18 |
Length of status:
| 5y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation:
| Other |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $12,399 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 81% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12577043
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:
| AA |
Listing Duration:
| 14
days
|
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 6.51% |
Borrower rate/APR:
| 7.51% /
11.02% |
Monthly payment:
| $155.55 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.38% - 6.16% | | |
| | | |
* 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
April 30, 2022.
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:
| Aug-1989 |
Debt/Income ratio:
| 36% |
TU FICO range:
| 800-819
(Apr-2022)
|
Inquiries last 6m:
| 3 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 25
/
25 |
Length of status:
| 9y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation:
| Sales - Commission |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $7,965 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12576959
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:
| $8,900.00 |
Prosper Rating:
| D |
Listing Duration:
| 14
days
|
Term:
| 60
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 20.63% |
Borrower rate/APR:
| 21.63% /
24.14% |
Monthly payment:
| $243.94 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.14% - 11.55% | | |
| | | |
* 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
April 30, 2022.
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:
| Jan-2001 |
Debt/Income ratio:
| 45% |
TU FICO range:
| 700-719
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 17
/
17 |
Length of status:
| 8y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 71 |
Occupation:
| Analyst |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $326,394 |
Stated income:
| $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 58% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12576911
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:
| C |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $2,450 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 15.94% |
Borrower rate/APR:
| 16.94% /
20.65% |
Monthly payment:
| $124.68 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.27% - 9.86% | | |
| | | |
* 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
April 30, 2022.
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-2019 |
Debt/Income ratio:
| 25% |
TU FICO range:
| 700-719
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 6
/
6 |
Length of status:
| 0y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation:
| Skilled Labor |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $3,712 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12576887
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:
| HR |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $3,500 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 28.20% |
Borrower rate/APR:
| 29.20% /
33.20% |
Monthly payment:
| $210.07 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.72% - 15.74% | | |
| | | |
* 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
April 30, 2022.
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:
| Dec-1997 |
Debt/Income ratio:
| 11% |
TU FICO range:
| 600-619
(May-2022)
|
Inquiries last 6m:
| 1 |
Employment status:
| Employed |
Current delinquencies:
| 5 |
Current / open credit lines:
| 9
/
10 |
Length of status:
| 23y 6m |
Amount delinquent:
| $300 |
Total credit lines:
| 26 |
Occupation:
| Computer Programmer |
Public records last 24m/10y:
| 0 /
1 |
Revolving credit balance:
| $6,145 |
Stated income:
| $100,000+ |
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 74% | | |
| |
Has Mortgage:
| Yes |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12576878
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:
| $18,000.00 |
Prosper Rating:
| D |
Listing Duration:
| 14
days
|
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 15.00% |
Borrower rate/APR:
| 16.00% /
19.69% |
Monthly payment:
| $632.83 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.14% - 11.55% | | |
| | | |
* 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
April 30, 2022.
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:
| Oct-2012 |
Debt/Income ratio:
| 34% |
TU FICO range:
| 660-679
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 19
/
19 |
Length of status:
| 8y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation:
| Professional |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $33,005 |
Stated income:
| $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 80% | | |
| |
Has Mortgage:
| Yes |
Borrower's state:
| North 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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12576749
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:
| $7,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $4,900 |
Term:
| 60
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 23.60% |
Borrower rate/APR:
| 24.60% /
27.19% |
Monthly payment:
| $203.82 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.87% - 14.98% | | |
| | | |
* 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
April 30, 2022.
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-2019 |
Debt/Income ratio:
| 8% |
TU FICO range:
| 660-679
(May-2022)
|
Inquiries last 6m:
| 5 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 11
/
11 |
Length of status:
| 1y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation:
| Sales - Commission |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $8,036 |
Stated income:
| $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12576614
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:
| E |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $7,000 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 22.70% |
Borrower rate/APR:
| 23.70% /
27.57% |
Monthly payment:
| $390.76 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.87% - 14.98% | | |
| | | |
* 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
April 30, 2022.
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-2012 |
Debt/Income ratio:
| 27% |
TU FICO range:
| 640-659
(May-2022)
|
Inquiries last 6m:
| 3 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 5
/
6 |
Length of status:
| 7y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 26 |
Occupation:
| Other |
Public records last 24m/10y:
| 0 /
1 |
Revolving credit balance:
| $5,278 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 92% | | |
| |
Has Mortgage:
| No |
Borrower's state:
| Oklahoma |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12576566
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:
| HR |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $2,100 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 28.92% |
Borrower rate/APR:
| 29.92% /
33.94% |
Monthly payment:
| $127.22 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.72% - 15.74% | | |
| | | |
* 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
April 30, 2022.
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-2015 |
Debt/Income ratio:
| 21% |
TU FICO range:
| 600-619
(May-2022)
|
Inquiries last 6m:
| 2 |
Employment status:
| Other |
Current delinquencies:
| 1 |
Current / open credit lines:
| 3
/
3 |
Length of status:
| 0y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 10 |
Occupation:
| Not available |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $43 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 4% | | |
| |
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.
Description
Auto / Motorcycle / RV / Boat
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12576299
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:
| A |
Listing Duration:
| 14
days
|
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 10.90% |
Borrower rate/APR:
| 11.90% /
15.50% |
Monthly payment:
| $829.16 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.60% - 7.32% | | |
| | | |
* 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
April 30, 2022.
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:
| Aug-2011 |
Debt/Income ratio:
| 35% |
TU FICO range:
| 720-739
(May-2022)
|
Inquiries last 6m:
| 3 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 22
/
22 |
Length of status:
| 22y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 69 |
Occupation:
| Truck Driver |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $18,322 |
Stated income:
| $75,000-99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| |
Has Mortgage:
| Yes |
Borrower's state:
| Tennessee |
Co-borrower Application1 Additional Information
Combined stated monthly income2:
| $8,667 |
Combined debt/income ratio3:
| 44% |
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.
1Co-Borrower Applications are approved based on the credit information for both or either Co-Borrowers. To learn more about Co-Borrower Applications, please review our Prospectus and Help Center.
2Combined stated monthly income is the sum of each borrower's stated monthly income.
3Combined debt/income ratio is the sum of each borrower's monthly debt payments (accounting for any duplication), and the Prosper monthly payment (assuming this loan request originates), divided by the sum of each borrower's stated monthly income.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12576296
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
|
Term:
| 60
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 14.20% |
Borrower rate/APR:
| 15.20% /
17.56% |
Monthly payment:
| $597.38 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.27% - 9.86% | | |
| | | |
* 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
April 30, 2022.
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:
| Sep-2011 |
Debt/Income ratio:
| 30% |
TU FICO range:
| 660-679
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 11
/
11 |
Length of status:
| 0y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 37 |
Occupation:
| Skilled Labor |
Public records last 24m/10y:
| 0 /
1 |
Revolving credit balance:
| $11,364 |
Stated income:
| $75,000-99,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 54% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12576266
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
|
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 7.11% |
Borrower rate/APR:
| 8.11% /
11.63% |
Monthly payment:
| $313.87 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.38% - 6.16% | | |
| | | |
* 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
April 30, 2022.
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:
| 32% |
TU FICO range:
| 720-739
(May-2022)
|
Inquiries last 6m:
| 6 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 10
/
10 |
Length of status:
| 7y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation:
| Laborer |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $2,763 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 12% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12576239
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:
| HR |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $2,450 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 28.60% |
Borrower rate/APR:
| 29.60% /
33.62% |
Monthly payment:
| $147.81 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.72% - 15.74% | | |
| | | |
* 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
April 30, 2022.
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-2014 |
Debt/Income ratio:
| 15% |
TU FICO range:
| 600-619
(May-2022)
|
Inquiries last 6m:
| 2 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 3
/
3 |
Length of status:
| 8y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation:
| Administrative Assistant |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $2,064 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 4% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12576209
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:
| B |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $10,500 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 11.80% |
Borrower rate/APR:
| 12.80% /
16.42% |
Monthly payment:
| $503.97 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.75% - 8.05% | | |
| | | |
* 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
April 30, 2022.
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-2017 |
Debt/Income ratio:
| 22% |
TU FICO range:
| 760-779
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Self-employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 6
/
6 |
Length of status:
| 2y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation:
| Self Employed |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $4,534 |
Stated income:
| $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 19% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12576008
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:
| E |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $4,200 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 25.20% |
Borrower rate/APR:
| 26.20% /
30.13% |
Monthly payment:
| $242.38 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.87% - 14.98% | | |
| | | |
* 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
April 30, 2022.
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:
| Oct-2010 |
Debt/Income ratio:
| 27% |
TU FICO range:
| 620-639
(May-2022)
|
Inquiries last 6m:
| 2 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 7
/
7 |
Length of status:
| 2y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation:
| Professional |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $1,562 |
Stated income:
| $75,000-99,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 78% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12575999
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:
| HR |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $4,200 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 30.50% |
Borrower rate/APR:
| 31.50% /
35.56% |
Monthly payment:
| $259.66 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.72% - 15.74% | | |
| | | |
* 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
April 30, 2022.
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:
| Feb-2013 |
Debt/Income ratio:
| 44% |
TU FICO range:
| 600-619
(May-2022)
|
Inquiries last 6m:
| 2 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 7
/
7 |
Length of status:
| 6y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation:
| Accountant/CPA |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $8,967 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 96% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12575990
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:
| C |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $8,400 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 14.20% |
Borrower rate/APR:
| 15.20% /
18.88% |
Monthly payment:
| $417.16 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.27% - 9.86% | | |
| | | |
* 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
April 30, 2022.
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:
| Dec-1992 |
Debt/Income ratio:
| 13% |
TU FICO range:
| 720-739
(May-2022)
|
Inquiries last 6m:
| 3 |
Employment status:
| Other |
Current delinquencies:
| 0 |
Current / open credit lines:
| 8
/
8 |
Length of status:
| 75y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation:
| Not available |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $2,466 |
Stated income:
| $75,000-99,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 13% | | |
| |
Has Mortgage:
| Yes |
Borrower's state:
| Colorado |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12575906
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:
| HR |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $3,500 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 27.80% |
Borrower rate/APR:
| 28.80% /
32.80% |
Monthly payment:
| $208.98 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.72% - 15.74% | | |
| | | |
* 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
April 30, 2022.
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:
| Aug-2010 |
Debt/Income ratio:
| 26% |
TU FICO range:
| 600-619
(Apr-2022)
|
Inquiries last 6m:
| 1 |
Employment status:
| Employed |
Current delinquencies:
| 1 |
Current / open credit lines:
| 5
/
5 |
Length of status:
| 8y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation:
| Other |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $2,772 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 46% | | |
| |
Has Mortgage:
| Yes |
Borrower's state:
| North 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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12575903
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:
| $7,000.00 |
Prosper Rating:
| E |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $4,900 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 20.15% |
Borrower rate/APR:
| 21.15% /
24.96% |
Monthly payment:
| $264.26 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.87% - 14.98% | | |
| | | |
* 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
April 30, 2022.
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-2006 |
Debt/Income ratio:
| 27% |
TU FICO range:
| 640-659
(May-2022)
|
Inquiries last 6m:
| 3 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 15
/
16 |
Length of status:
| 6y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation:
| Clergy |
Public records last 24m/10y:
| 0 /
1 |
Revolving credit balance:
| $1,134 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 24% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12575822
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:
| $27,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14
days
|
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 13.26% |
Borrower rate/APR:
| 14.26% /
17.92% |
Monthly payment:
| $926.21 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.75% - 8.05% | | |
| | | |
* 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
April 30, 2022.
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:
| Nov-2007 |
Debt/Income ratio:
| 18% |
TU FICO range:
| 700-719
(May-2022)
|
Inquiries last 6m:
| 4 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 6
/
6 |
Length of status:
| 0y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 53 |
Occupation:
| Teacher |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $39 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 0% | | |
| |
Has Mortgage:
| No |
Borrower's state:
| Colorado |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12575783
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:
| $7,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $4,900 |
Term:
| 60
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 8.84% |
Borrower rate/APR:
| 9.84% /
12.08% |
Monthly payment:
| $148.20 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.60% - 7.32% | | |
| | | |
* 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
April 30, 2022.
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:
| Aug-2007 |
Debt/Income ratio:
| 11% |
TU FICO range:
| 680-699
(May-2022)
|
Inquiries last 6m:
| 1 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 6
/
7 |
Length of status:
| 0y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation:
| Doctor |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $9,412 |
Stated income:
| $100,000+ |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 76% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12784194
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:
| E |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $4,200 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 20.20% |
Borrower rate/APR:
| 21.20% /
25.01% |
Monthly payment:
| $226.67 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.87% - 14.98% | | |
| | | |
* 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
April 30, 2022.
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:
| Aug-2010 |
Debt/Income ratio:
| 21% |
TU FICO range:
| 620-639
(May-2022)
|
Inquiries last 6m:
| 1 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 4
/
4 |
Length of status:
| 3y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation:
| Retail Management |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $632 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 21% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12784176
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
|
Minimum Amount to Fund:
| $10,500 |
Term:
| 60
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 25.95% |
Borrower rate/APR:
| 26.95% /
29.60% |
Monthly payment:
| $457.58 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.87% - 14.98% | | |
| | | |
* 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
April 30, 2022.
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-2009 |
Debt/Income ratio:
| 44% |
TU FICO range:
| 660-679
(May-2022)
|
Inquiries last 6m:
| Not available |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 13
/
13 |
Length of status:
| 0y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation:
| Other |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $15,850 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 98% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12783822
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:
| 60
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 13.50% |
Borrower rate/APR:
| 14.50% /
16.84% |
Monthly payment:
| $235.28 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.27% - 9.86% | | |
| | | |
* 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
April 30, 2022.
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:
| Mar-2014 |
Debt/Income ratio:
| 8% |
TU FICO range:
| 660-679
(May-2022)
|
Inquiries last 6m:
| 2 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 5
/
5 |
Length of status:
| 5y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 12 |
Occupation:
| Other |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $563 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 12% | | |
| |
Has Mortgage:
| Yes |
Borrower's state:
| Tennessee |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12783801
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:
| HR |
Listing Duration:
| 14
days
|
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 24.00% |
Borrower rate/APR:
| 25.00% /
28.90% |
Monthly payment:
| $79.52 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.72% - 15.74% | | |
| | | |
* 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
April 30, 2022.
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:
| Jun-2021 |
Debt/Income ratio:
| 10% |
TU FICO range:
| 620-639
(May-2022)
|
Inquiries last 6m:
| 2 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 6
/
6 |
Length of status:
| 1y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation:
| Skilled Labor |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $1,781 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 37% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12772681
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:
| E |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $7,700 |
Term:
| 60
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 23.60% |
Borrower rate/APR:
| 24.60% /
27.19% |
Monthly payment:
| $320.29 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.87% - 14.98% | | |
| | | |
* 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
April 30, 2022.
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:
| Oct-2011 |
Debt/Income ratio:
| 36% |
TU FICO range:
| 660-679
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 12
/
12 |
Length of status:
| 1y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation:
| Clerical |
Public records last 24m/10y:
| 0 /
1 |
Revolving credit balance:
| $19,346 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 76% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12772588
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:
| $5,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $3,850 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 14.40% |
Borrower rate/APR:
| 15.40% /
19.08% |
Monthly payment:
| $191.74 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.27% - 9.86% | | |
| | | |
* 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
April 30, 2022.
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-2020 |
Debt/Income ratio:
| 13% |
TU FICO range:
| 660-679
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 3
/
3 |
Length of status:
| 2y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 4 |
Occupation:
| Tradesman - Mechanic |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $1,145 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 76% | | |
| |
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.
Description
Auto / Motorcycle / RV / Boat
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12772528
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
|
Term:
| 60
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 14.18% |
Borrower rate/APR:
| 15.18% /
17.54% |
Monthly payment:
| $477.69 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.75% - 8.05% | | |
| | | |
* 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
April 30, 2022.
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:
| Oct-2003 |
Debt/Income ratio:
| 43% |
TU FICO range:
| 740-759
(May-2022)
|
Inquiries last 6m:
| 6 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 40
/
40 |
Length of status:
| 7y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 61 |
Occupation:
| Social Worker |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $6,420 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 8% | | |
| |
Has Mortgage:
| Yes |
Borrower's state:
| Massachusetts |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12772462
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
|
Minimum Amount to Fund:
| $7,000 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 17.26% |
Borrower rate/APR:
| 18.26% /
22.00% |
Monthly payment:
| $362.83 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.14% - 11.55% | | |
| | | |
* 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
April 30, 2022.
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:
| Jan-2020 |
Debt/Income ratio:
| 21% |
TU FICO range:
| 700-719
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Self-employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 6
/
6 |
Length of status:
| 1y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation:
| Self Employed |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $3,662 |
Stated income:
| $75,000-99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 64% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12772378
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:
| $23,000.00 |
Prosper Rating:
| AA |
Listing Duration:
| 14
days
|
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 5.93% |
Borrower rate/APR:
| 6.93% /
8.58% |
Monthly payment:
| $709.44 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.38% - 6.16% | | |
| | | |
* 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
April 30, 2022.
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:
| Aug-2009 |
Debt/Income ratio:
| 38% |
TU FICO range:
| 700-719
(May-2022)
|
Inquiries last 6m:
| Not available |
Employment status:
| Other |
Current delinquencies:
| 0 |
Current / open credit lines:
| 7
/
7 |
Length of status:
| 9y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation:
| Professional |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $19,567 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12772375
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*:
| 3.14% - 11.55% | | |
| | | |
* 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
April 30, 2022.
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-2021 |
Debt/Income ratio:
| 3% |
TU FICO range:
| 700-719
(May-2022)
|
Inquiries last 6m:
| 5 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 6
/
6 |
Length of status:
| 2y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation:
| Sales - Retail |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $640 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 13% | | |
| |
Has Mortgage:
| No |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12772276
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:
| 14.40% |
Borrower rate/APR:
| 15.40% /
19.08% |
Monthly payment:
| $139.45 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.27% - 9.86% | | |
| | | |
* 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
April 30, 2022.
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:
| Apr-2011 |
Debt/Income ratio:
| 4% |
TU FICO range:
| 700-719
(May-2022)
|
Inquiries last 6m:
| 3 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 7
/
7 |
Length of status:
| 0y 6m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation:
| Engineer - Mechanical |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $1,439 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| |
Has Mortgage:
| No |
Borrower's state:
| Kentucky |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12772216
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:
| HR |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $3,500 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 28.20% |
Borrower rate/APR:
| 29.20% /
33.20% |
Monthly payment:
| $210.07 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.72% - 15.74% | | |
| | | |
* 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
April 30, 2022.
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:
| Jun-2010 |
Debt/Income ratio:
| 13% |
TU FICO range:
| 600-619
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 3 |
Current / open credit lines:
| 3
/
3 |
Length of status:
| 5y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 13 |
Occupation:
| Nurse's Aide |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $23,381 |
Stated income:
| $75,000-99,999 |
Delinquencies in last 7y:
| 5 |
Bankcard utilization:
| 26% | | |
| |
Has Mortgage:
| Yes |
Borrower's state:
| Delaware |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12772177
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:
| $14,750.00 |
Prosper Rating:
| A |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $10,325 |
Term:
| 60
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 9.18% |
Borrower rate/APR:
| 10.18% /
12.42% |
Monthly payment:
| $314.67 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.60% - 7.32% | | |
| | | |
* 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
April 30, 2022.
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-1975 |
Debt/Income ratio:
| 11% |
TU FICO range:
| 800-819
(Apr-2022)
|
Inquiries last 6m:
| 2 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 2
/
3 |
Length of status:
| 2y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation:
| Other |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $701 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| |
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.
Description
Auto / Motorcycle / RV / Boat
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12772153
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
|
Term:
| 60
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 12.66% |
Borrower rate/APR:
| 13.66% /
15.98% |
Monthly payment:
| $461.87 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.75% - 8.05% | | |
| | | |
* 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
April 30, 2022.
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:
| Oct-2012 |
Debt/Income ratio:
| 24% |
TU FICO range:
| 700-719
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 11
/
11 |
Length of status:
| 2y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 47 |
Occupation:
| Construction |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $2,311 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 9 |
Bankcard utilization:
| 10% | | |
| |
Has Mortgage:
| No |
Borrower's state:
| Nevada |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12772132
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:
| 14.50% |
Borrower rate/APR:
| 15.50% /
19.18% |
Monthly payment:
| $349.11 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.27% - 9.86% | | |
| | | |
* 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
April 30, 2022.
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-2008 |
Debt/Income ratio:
| 28% |
TU FICO range:
| 660-679
(May-2022)
|
Inquiries last 6m:
| 2 |
Employment status:
| Self-employed |
Current delinquencies:
| 1 |
Current / open credit lines:
| 19
/
19 |
Length of status:
| 6y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 29 |
Occupation:
| Bus Driver |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $6,422 |
Stated income:
| $100,000+ |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 12% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12772120
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:
| E |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $7,700 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 20.00% |
Borrower rate/APR:
| 21.00% /
24.81% |
Monthly payment:
| $414.43 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.87% - 14.98% | | |
| | | |
* 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
April 30, 2022.
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:
| May-2015 |
Debt/Income ratio:
| 28% |
TU FICO range:
| 660-679
(May-2022)
|
Inquiries last 6m:
| 3 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 7
/
7 |
Length of status:
| 2y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation:
| Other |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $5,696 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 59% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12771895
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:
| $2,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14
days
|
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 24.20% |
Borrower rate/APR:
| 25.20% /
29.11% |
Monthly payment:
| $99.66 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.87% - 14.98% | | |
| | | |
* 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
April 30, 2022.
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:
| Aug-2014 |
Debt/Income ratio:
| 17% |
TU FICO range:
| 620-639
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 4
/
4 |
Length of status:
| 3y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation:
| Construction |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $478 |
Stated income:
| $75,000-99,999 |
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 96% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12771802
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:
| D |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $8,400 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 15.50% |
Borrower rate/APR:
| 16.50% /
20.20% |
Monthly payment:
| $424.85 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.14% - 11.55% | | |
| | | |
* 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
April 30, 2022.
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-2018 |
Debt/Income ratio:
| 35% |
TU FICO range:
| 660-679
(May-2022)
|
Inquiries last 6m:
| 1 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 6
/
6 |
Length of status:
| 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation:
| Administrative Assistant |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $4,479 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 73% | | |
| |
Has Mortgage:
| No |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12771595
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:
| 25.80% |
Borrower rate/APR:
| 26.80% /
29.45% |
Monthly payment:
| $91.25 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.87% - 14.98% | | |
| | | |
* 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
April 30, 2022.
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:
| Feb-1990 |
Debt/Income ratio:
| 20% |
TU FICO range:
| 640-659
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Other |
Current delinquencies:
| 1 |
Current / open credit lines:
| 7
/
7 |
Length of status:
| 3y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation:
| Not available |
Public records last 24m/10y:
| 0 /
1 |
Revolving credit balance:
| $14,840 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 10 |
Bankcard utilization:
| 90% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12771565
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:
| 19.09% |
Borrower rate/APR:
| 20.09% /
23.88% |
Monthly payment:
| $372.09 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.27% - 9.86% | | |
| | | |
* 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
April 30, 2022.
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-2009 |
Debt/Income ratio:
| 25% |
TU FICO range:
| 680-699
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 5
/
5 |
Length of status:
| 0y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation:
| Skilled Labor |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $1,930 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 102% | | |
| |
Has Mortgage:
| No |
Borrower's state:
| Massachusetts |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12771535
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:
| B |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $5,250 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 11.50% |
Borrower rate/APR:
| 12.50% /
16.12% |
Monthly payment:
| $250.90 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.75% - 8.05% | | |
| | | |
* 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
April 30, 2022.
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:
| May-2013 |
Debt/Income ratio:
| 42% |
TU FICO range:
| 720-739
(May-2022)
|
Inquiries last 6m:
| 1 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 7
/
7 |
Length of status:
| 3y 1m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation:
| Laborer |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $9,693 |
Stated income:
| $25,000-49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 33% | | |
| |
Has Mortgage:
| No |
Borrower's state:
| Ohio |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12771502
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:
| HR |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $3,500 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 30.00% |
Borrower rate/APR:
| 31.00% /
35.05% |
Monthly payment:
| $215.01 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.72% - 15.74% | | |
| | | |
* 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
April 30, 2022.
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-1999 |
Debt/Income ratio:
| 9% |
TU FICO range:
| 600-619
(May-2022)
|
Inquiries last 6m:
| 2 |
Employment status:
| Other |
Current delinquencies:
| 1 |
Current / open credit lines:
| 7
/
7 |
Length of status:
| 56y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation:
| Not available |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $4,498 |
Stated income:
| $100,000+ |
Delinquencies in last 7y:
| 6 |
Bankcard utilization:
| 17% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12771430
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:
| HR |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $2,800 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 27.00% |
Borrower rate/APR:
| 28.00% /
31.98% |
Monthly payment:
| $165.45 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.72% - 15.74% | | |
| | | |
* 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
April 30, 2022.
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:
| Feb-2018 |
Debt/Income ratio:
| 14% |
TU FICO range:
| 620-639
(May-2022)
|
Inquiries last 6m:
| 5 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 6
/
6 |
Length of status:
| 9y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation:
| Construction |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $2,052 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 77% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12771352
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:
| A |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $7,000 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 7.95% |
Borrower rate/APR:
| 8.95% /
12.49% |
Monthly payment:
| $317.76 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.60% - 7.32% | | |
| | | |
* 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
April 30, 2022.
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:
| Mar-2010 |
Debt/Income ratio:
| 17% |
TU FICO range:
| 680-699
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 15
/
15 |
Length of status:
| 2y 4m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation:
| Nurse (RN) |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $5,070 |
Stated income:
| $100,000+ |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 43% | | |
| |
Has Mortgage:
| Yes |
Borrower's state:
| Tennessee |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12771334
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:
| $18,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $12,600 |
Term:
| 60
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 8.35% |
Borrower rate/APR:
| 9.35% /
11.58% |
Monthly payment:
| $376.72 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.60% - 7.32% | | |
| | | |
* 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
April 30, 2022.
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:
| 15% |
TU FICO range:
| 660-679
(May-2022)
|
Inquiries last 6m:
| 2 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 35
/
35 |
Length of status:
| 3y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation:
| Other |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $17,486 |
Stated income:
| $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 11% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12785064
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:
| AA |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $3,500 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 5.93% |
Borrower rate/APR:
| 6.93% /
8.58% |
Monthly payment:
| $154.23 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.38% - 6.16% | | |
| | | |
* 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
April 30, 2022.
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:
| Sep-2019 |
Debt/Income ratio:
| 2% |
TU FICO range:
| 740-759
(May-2022)
|
Inquiries last 6m:
| 1 |
Employment status:
| Self-employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 5
/
5 |
Length of status:
| 10y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation:
| Construction |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $0 |
Stated income:
| $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Has Mortgage:
| No |
Borrower's state:
| Alabama |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12784986
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:
| 21.20% |
Borrower rate/APR:
| 22.20% /
26.04% |
Monthly payment:
| $191.47 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.87% - 14.98% | | |
| | | |
* 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
April 30, 2022.
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:
| Feb-2008 |
Debt/Income ratio:
| 26% |
TU FICO range:
| 620-639
(May-2022)
|
Inquiries last 6m:
| 3 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 22
/
22 |
Length of status:
| 12y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation:
| Professional |
Public records last 24m/10y:
| 0 /
1 |
Revolving credit balance:
| $7,867 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 90% | | |
| |
Has Mortgage:
| Yes |
Borrower's state:
| Ohio |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12784914
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:
| 21.80% |
Borrower rate/APR:
| 22.80% /
26.65% |
Monthly payment:
| $154.42 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.87% - 14.98% | | |
| | | |
* 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
April 30, 2022.
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-2015 |
Debt/Income ratio:
| 23% |
TU FICO range:
| 620-639
(May-2022)
|
Inquiries last 6m:
| 5 |
Employment status:
| Employed |
Current delinquencies:
| 1 |
Current / open credit lines:
| 4
/
4 |
Length of status:
| 0y 7m |
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation:
| Engineer - Mechanical |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $2,546 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 30% | | |
| |
Has Mortgage:
| Yes |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12784797
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:
| $8,500.00 |
Prosper Rating:
| C |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $5,950 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 14.50% |
Borrower rate/APR:
| 15.50% /
19.18% |
Monthly payment:
| $296.74 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.27% - 9.86% | | |
| | | |
* 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
April 30, 2022.
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-2017 |
Debt/Income ratio:
| 20% |
TU FICO range:
| 740-759
(May-2022)
|
Inquiries last 6m:
| 2 |
Employment status:
| Self-employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 7
/
7 |
Length of status:
| 4y 9m |
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation:
| Self Employed |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $2,944 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 24% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12784740
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:
| $7,000.00 |
Prosper Rating:
| HR |
Listing Duration:
| 14
days
|
Minimum Amount to Fund:
| $4,900 |
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 26.00% |
Borrower rate/APR:
| 27.00% /
30.95% |
Monthly payment:
| $285.78 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.72% - 15.74% | | |
| | | |
* 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
April 30, 2022.
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-2009 |
Debt/Income ratio:
| 34% |
TU FICO range:
| 600-619
(May-2022)
|
Inquiries last 6m:
| 3 |
Employment status:
| Employed |
Current delinquencies:
| 1 |
Current / open credit lines:
| 9
/
10 |
Length of status:
| 1y 5m |
Amount delinquent:
| $4 |
Total credit lines:
| 31 |
Occupation:
| Tradesman - Mechanic |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $12,943 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 4% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12784614
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:
| 7.26% |
Borrower rate/APR:
| 8.26% /
11.79% |
Monthly payment:
| $471.85 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.38% - 6.16% | | |
| | | |
* 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
April 30, 2022.
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:
| Sep-2003 |
Debt/Income ratio:
| 9% |
TU FICO range:
| 720-739
(May-2022)
|
Inquiries last 6m:
| 2 |
Employment status:
| Other |
Current delinquencies:
| 0 |
Current / open credit lines:
| 20
/
20 |
Length of status:
| 13y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation:
| Civil Service |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $7,500 |
Stated income:
| $100,000+ |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 21% | | |
| |
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.
Description
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
12784596
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:
| $6,300.00 |
Prosper Rating:
| A |
Listing Duration:
| 14
days
|
Term:
| 36
months
|
Initial Status:
| F |
| | | |
|
Investor yield:
| 10.66% |
Borrower rate/APR:
| 11.66% /
15.26% |
Monthly payment:
| $208.23 |
|
Investor servicing fee:
| 1.00% |
Historical Return*:
| 3.60% - 7.32% | | |
| | | |
* 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
April 30, 2022.
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:
| Aug-2010 |
Debt/Income ratio:
| 16% |
TU FICO range:
| 660-679
(May-2022)
|
Inquiries last 6m:
| 0 |
Employment status:
| Employed |
Current delinquencies:
| 0 |
Current / open credit lines:
| 4
/
4 |
Length of status:
| 5y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 15 |
Occupation:
| Retail Management |
Public records last 24m/10y:
| Not available /
0 |
Revolving credit balance:
| $1,626 |
Stated income:
| $50,000-74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 56% | | |
| |
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.
Description
Information in the Description is not verified.