Listing Report: Supplement No. 87 dated Jan 20, 2022 to Prospectus dated Nov 23, 2021
File pursuant to Rule 424(b)(3)
Registration Statement Nos. 333-257739 and 333-257739-01
Prosper Funding LLC
Borrower Payment Dependent Notes
Prosper Marketplace, Inc.
PMI Management Rights
This Listing Report supplements the prospectus dated Nov 23, 2021 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") Prosper Funding LLC is currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Nov 23, 2021 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes. As described in the prospectus dated Nov 23, 2021, each Note will come attached with a PMI Management Right issued by Prosper Marketplace, Inc.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series 12627655
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:
|
$24,000.00
|
Prosper Rating:
|
B
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
9.67%
|
Borrower rate/APR:
|
10.67% / 14.24%
|
Monthly payment:
|
$781.98
|
|
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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
10
|
First credit line:
|
Oct-2006
|
Debt/Income ratio:
|
26%
|
TU FICO range:
|
660-679 (Jan-2022)
|
Inquiries last 6m:
|
1
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
25 / 25
|
Length of status:
|
7y 7m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
39
|
Occupation:
|
Computer Programmer
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$33,490
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
62%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12627649
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:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
25.30%
|
Borrower rate/APR:
|
26.30% / 30.23%
|
Monthly payment:
|
$606.76
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.87% - 14.12%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
2
|
First credit line:
|
Oct-1998
|
Debt/Income ratio:
|
43%
|
TU FICO range:
|
640-659 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
12 / 12
|
Length of status:
|
5y 10m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
17
|
Occupation:
|
Other
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$24,174
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
97%
|
|
|
|
|
Has Mortgage:
|
No
|
Borrower's state:
|
Alaska
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12627553
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:
|
AA
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$122.23
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Oct-2007
|
Debt/Income ratio:
|
14%
|
TU FICO range:
|
800-819 (Jan-2022)
|
Inquiries last 6m:
|
Not available
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
5 / 5
|
Length of status:
|
0y 3m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
15
|
Occupation:
|
Other
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$0
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
0%
|
|
|
|
|
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 12627520
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:
|
60 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
21.20%
|
Borrower rate/APR:
|
22.20% / 24.72%
|
Monthly payment:
|
$277.33
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.87% - 14.12%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
4
|
First credit line:
|
Feb-2005
|
Debt/Income ratio:
|
35%
|
TU FICO range:
|
680-699 (Jan-2022)
|
Inquiries last 6m:
|
3
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
18 / 18
|
Length of status:
|
6y 4m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
43
|
Occupation:
|
Other
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$18,634
|
Stated income:
|
$50,000-74,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
47%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12627517
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:
|
AA
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$76.40
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Apr-2003
|
Debt/Income ratio:
|
17%
|
TU FICO range:
|
780-799 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
10 / 10
|
Length of status:
|
2y 5m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
39
|
Occupation:
|
Professor
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$3,627
|
Stated income:
|
$75,000-99,999
|
Delinquencies in last 7y:
|
2
|
Bankcard utilization:
|
14%
|
|
|
|
|
Has Mortgage:
|
Yes
|
Borrower's state:
|
Missouri
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12627406
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:
|
$5,250.00
|
Prosper Rating:
|
E
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$3,675
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
22.50%
|
Borrower rate/APR:
|
23.50% / 27.36%
|
Monthly payment:
|
$204.60
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.87% - 14.12%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
2
|
First credit line:
|
Jun-2011
|
Debt/Income ratio:
|
17%
|
TU FICO range:
|
700-719 (Jan-2022)
|
Inquiries last 6m:
|
3
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
19 / 19
|
Length of status:
|
0y 3m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
24
|
Occupation:
|
Other
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$1,707
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
4
|
Bankcard utilization:
|
54%
|
|
|
|
|
Has Mortgage:
|
Yes
|
Borrower's state:
|
Rhode Island
|
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
Medical / Dental
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12627391
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:
|
$9,500.00
|
Prosper Rating:
|
E
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
20.20%
|
Borrower rate/APR:
|
21.20% / 25.01%
|
Monthly payment:
|
$358.89
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.87% - 14.12%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
3
|
First credit line:
|
Jun-2000
|
Debt/Income ratio:
|
42%
|
TU FICO range:
|
640-659 (Jan-2022)
|
Inquiries last 6m:
|
1
|
Employment status:
|
Employed
|
Current delinquencies:
|
1
|
Current / open credit lines:
|
15 / 16
|
Length of status:
|
20y 4m
|
Amount delinquent:
|
$3
|
Total credit lines:
|
21
|
Occupation:
|
Medical Technician
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$8,608
|
Stated income:
|
$50,000-74,999
|
Delinquencies in last 7y:
|
2
|
Bankcard utilization:
|
73%
|
|
|
|
|
Has Mortgage:
|
No
|
Borrower's state:
|
Michigan
|
Credit information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Other
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12429323
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:
|
25.09%
|
Borrower rate/APR:
|
26.09% / 30.01%
|
Monthly payment:
|
$282.37
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.66% - 15.77%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
1
|
First credit line:
|
Nov-1992
|
Debt/Income ratio:
|
34%
|
TU FICO range:
|
600-619 (Jan-2022)
|
Inquiries last 6m:
|
1
|
Employment status:
|
Employed
|
Current delinquencies:
|
2
|
Current / open credit lines:
|
7 / 8
|
Length of status:
|
17y 0m
|
Amount delinquent:
|
$3,842
|
Total credit lines:
|
23
|
Occupation:
|
Nurse (LPN)
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$18,793
|
Stated income:
|
$50,000-74,999
|
Delinquencies in last 7y:
|
4
|
Bankcard utilization:
|
95%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12429143
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$2,000.00
|
Prosper Rating:
|
E
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
23.86%
|
Borrower rate/APR:
|
24.86% / 28.75%
|
Monthly payment:
|
$79.37
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.87% - 14.12%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
1
|
First credit line:
|
Jun-2021
|
Debt/Income ratio:
|
3%
|
TU FICO range:
|
660-679 (Jan-2022)
|
Inquiries last 6m:
|
1
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
3 / 3
|
Length of status:
|
0y 4m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
3
|
Occupation:
|
Laborer
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$155
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
0%
|
|
|
|
|
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
Household Expenses
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12429104
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$2,000.00
|
Prosper Rating:
|
E
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
21.60%
|
Borrower rate/APR:
|
22.60% / 26.44%
|
Monthly payment:
|
$77.00
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.87% - 14.12%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
2
|
First credit line:
|
Jul-2019
|
Debt/Income ratio:
|
16%
|
TU FICO range:
|
640-659 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
3 / 3
|
Length of status:
|
0y 10m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
6
|
Occupation:
|
Other
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$1,181
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
91%
|
|
|
|
|
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
Other
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12429101
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:
|
D
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$5,950
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
18.50%
|
Borrower rate/APR:
|
19.50% / 23.27%
|
Monthly payment:
|
$313.73
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.13% - 11.69%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
3
|
First credit line:
|
Sep-2003
|
Debt/Income ratio:
|
7%
|
TU FICO range:
|
660-679 (Jan-2022)
|
Inquiries last 6m:
|
1
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
50 / 50
|
Length of status:
|
7y 5m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
86
|
Occupation:
|
Professor
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$14,264
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
6
|
Bankcard utilization:
|
97%
|
|
|
|
|
Has Mortgage:
|
Yes
|
Borrower's state:
|
Minnesota
|
Credit information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Auto / Motorcycle / RV / Boat
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12429065
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:
|
$2,700.00
|
Prosper Rating:
|
AA
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$82.51
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Mar-1995
|
Debt/Income ratio:
|
19%
|
TU FICO range:
|
740-759 (Jan-2022)
|
Inquiries last 6m:
|
3
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
22 / 22
|
Length of status:
|
11y 5m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
50
|
Occupation:
|
Other
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$16,668
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
2
|
Bankcard utilization:
|
21%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12429002
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
|
Minimum Amount to Fund:
|
$10,500
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
7.40%
|
Borrower rate/APR:
|
8.40% / 11.92%
|
Monthly payment:
|
$472.82
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Dec-1987
|
Debt/Income ratio:
|
4%
|
TU FICO range:
|
820-850 (Jan-2022)
|
Inquiries last 6m:
|
Not available
|
Employment status:
|
Self-employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
3 / 3
|
Length of status:
|
7y 9m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
9
|
Occupation:
|
Food Service
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$2,159
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
7%
|
|
|
|
|
Has Mortgage:
|
Yes
|
Borrower's state:
|
Washington
|
Credit information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Special Occasion
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12428951
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$5,000.00
|
Prosper Rating:
|
C
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$3,500
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
14.20%
|
Borrower rate/APR:
|
15.20% / 18.87%
|
Monthly payment:
|
$173.82
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.26% - 9.38%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
3
|
First credit line:
|
Mar-2019
|
Debt/Income ratio:
|
14%
|
TU FICO range:
|
660-679 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
5 / 5
|
Length of status:
|
Not available
|
Amount delinquent:
|
$0
|
Total credit lines:
|
6
|
Occupation:
|
Not available
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$193
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
24%
|
|
|
|
|
Has Mortgage:
|
No
|
Borrower's state:
|
Arkansas
|
Credit information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12428945
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
|
Minimum Amount to Fund:
|
$12,600
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
16.80%
|
Borrower rate/APR:
|
17.80% / 21.53%
|
Monthly payment:
|
$648.94
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.13% - 11.69%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
3
|
First credit line:
|
Jul-2002
|
Debt/Income ratio:
|
13%
|
TU FICO range:
|
640-659 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
6 / 6
|
Length of status:
|
3y 6m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
28
|
Occupation:
|
Not available
|
Public records last 24m/10y:
|
0 / 1
|
Revolving credit balance:
|
$3,775
|
Stated income:
|
$50,000-74,999
|
Delinquencies in last 7y:
|
12
|
Bankcard utilization:
|
31%
|
|
|
|
|
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
Other
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12428888
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:
|
AA
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$366.70
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Jan-2002
|
Debt/Income ratio:
|
28%
|
TU FICO range:
|
800-819 (Jan-2022)
|
Inquiries last 6m:
|
2
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
19 / 19
|
Length of status:
|
12y 11m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
35
|
Occupation:
|
Other
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$3,728
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
8%
|
|
|
|
|
Has Mortgage:
|
Yes
|
Borrower's state:
|
Missouri
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12428876
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:
|
18.30%
|
Borrower rate/APR:
|
19.30% / 23.06%
|
Monthly payment:
|
$368.08
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.13% - 11.69%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
3
|
First credit line:
|
Aug-2015
|
Debt/Income ratio:
|
17%
|
TU FICO range:
|
640-659 (Jan-2022)
|
Inquiries last 6m:
|
3
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
8 / 8
|
Length of status:
|
10y 1m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
9
|
Occupation:
|
Other
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$6,784
|
Stated income:
|
$50,000-74,999
|
Delinquencies in last 7y:
|
1
|
Bankcard utilization:
|
48%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12428873
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$6,000.00
|
Prosper Rating:
|
C
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$4,200
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
12.70%
|
Borrower rate/APR:
|
13.70% / 17.34%
|
Monthly payment:
|
$204.19
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.26% - 9.38%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
4
|
First credit line:
|
Dec-2020
|
Debt/Income ratio:
|
7%
|
TU FICO range:
|
680-699 (Jan-2022)
|
Inquiries last 6m:
|
Not available
|
Employment status:
|
Other
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
3 / 3
|
Length of status:
|
Not available
|
Amount delinquent:
|
$0
|
Total credit lines:
|
3
|
Occupation:
|
Not available
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$442
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
9%
|
|
|
|
|
Has Mortgage:
|
No
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12428864
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:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
21.60%
|
Borrower rate/APR:
|
22.60% / 26.44%
|
Monthly payment:
|
$577.52
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.87% - 14.12%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
1
|
First credit line:
|
May-2015
|
Debt/Income ratio:
|
27%
|
TU FICO range:
|
660-679 (Jan-2022)
|
Inquiries last 6m:
|
2
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
21 / 22
|
Length of status:
|
1y 0m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
23
|
Occupation:
|
Clerical
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$22,514
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
41%
|
|
|
|
|
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
Special Occasion
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12428849
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:
|
$10,500.00
|
Prosper Rating:
|
AA
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$320.86
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Oct-2002
|
Debt/Income ratio:
|
35%
|
TU FICO range:
|
800-819 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
14 / 14
|
Length of status:
|
20y 8m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
24
|
Occupation:
|
Administrative Assistant
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$6,055
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
1
|
Bankcard utilization:
|
14%
|
|
|
|
|
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
Medical / Dental
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12428846
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:
|
AA
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$8,400
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$366.70
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
May-2001
|
Debt/Income ratio:
|
42%
|
TU FICO range:
|
800-819 (Jan-2022)
|
Inquiries last 6m:
|
1
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
16 / 16
|
Length of status:
|
1y 11m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
23
|
Occupation:
|
Other
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$11,202
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
13%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12428825
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$15,000.00
|
Prosper Rating:
|
C
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$10,500
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
12.95%
|
Borrower rate/APR:
|
13.95% / 17.59%
|
Monthly payment:
|
$512.30
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.26% - 9.38%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
9
|
First credit line:
|
Aug-1979
|
Debt/Income ratio:
|
7%
|
TU FICO range:
|
720-739 (Jan-2022)
|
Inquiries last 6m:
|
2
|
Employment status:
|
Self-employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
6 / 6
|
Length of status:
|
12y 2m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
13
|
Occupation:
|
Self Employed
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$3,001
|
Stated income:
|
$75,000-99,999
|
Delinquencies in last 7y:
|
3
|
Bankcard utilization:
|
9%
|
|
|
|
|
Has Mortgage:
|
Yes
|
Borrower's state:
|
New Jersey
|
Credit information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Home Improvement
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12428723
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$3,000.00
|
Prosper Rating:
|
C
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$2,100
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
14.30%
|
Borrower rate/APR:
|
15.29% / 18.97%
|
Monthly payment:
|
$104.44
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.26% - 9.38%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
4
|
First credit line:
|
May-2021
|
Debt/Income ratio:
|
15%
|
TU FICO range:
|
680-699 (Jan-2022)
|
Inquiries last 6m:
|
2
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
3 / 3
|
Length of status:
|
Not available
|
Amount delinquent:
|
$0
|
Total credit lines:
|
3
|
Occupation:
|
Not available
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$144
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
8%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12428675
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:
|
D
|
Listing Duration:
|
14 days
|
Term:
|
60 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
17.78%
|
Borrower rate/APR:
|
18.78% / 21.22%
|
Monthly payment:
|
$103.28
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.13% - 11.69%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
8
|
First credit line:
|
Apr-2012
|
Debt/Income ratio:
|
17%
|
TU FICO range:
|
680-699 (Jan-2022)
|
Inquiries last 6m:
|
2
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
7 / 7
|
Length of status:
|
0y 2m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
7
|
Occupation:
|
Other
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$4,250
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
1
|
Bankcard utilization:
|
15%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12428654
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:
|
C
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$7,700
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
15.90%
|
Borrower rate/APR:
|
16.90% / 20.61%
|
Monthly payment:
|
$391.63
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.26% - 9.38%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
5
|
First credit line:
|
Jul-2014
|
Debt/Income ratio:
|
20%
|
TU FICO range:
|
640-659 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
7 / 7
|
Length of status:
|
6y 0m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
12
|
Occupation:
|
Administrative Assistant
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$7,298
|
Stated income:
|
$50,000-74,999
|
Delinquencies in last 7y:
|
3
|
Bankcard utilization:
|
87%
|
|
|
|
|
Has Mortgage:
|
Yes
|
Borrower's state:
|
Utah
|
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
Medical / Dental
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12638403
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$5,000.00
|
Prosper Rating:
|
D
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$3,500
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
17.50%
|
Borrower rate/APR:
|
18.50% / 22.25%
|
Monthly payment:
|
$182.02
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.13% - 11.69%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
1
|
First credit line:
|
Feb-2006
|
Debt/Income ratio:
|
13%
|
TU FICO range:
|
700-719 (Jan-2022)
|
Inquiries last 6m:
|
2
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
10 / 10
|
Length of status:
|
4y 3m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
13
|
Occupation:
|
Other
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$4,306
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
23%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12638394
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:
|
C
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
15.90%
|
Borrower rate/APR:
|
16.90% / 20.61%
|
Monthly payment:
|
$249.22
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.26% - 9.38%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
6
|
First credit line:
|
Sep-2011
|
Debt/Income ratio:
|
40%
|
TU FICO range:
|
660-679 (Jan-2022)
|
Inquiries last 6m:
|
3
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
15 / 15
|
Length of status:
|
4y 9m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
18
|
Occupation:
|
Flight Attendant
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$6,829
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
6
|
Bankcard utilization:
|
27%
|
|
|
|
|
Has Mortgage:
|
No
|
Borrower's state:
|
Georgia
|
Credit information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Other
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12638328
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$13,600.00
|
Prosper Rating:
|
AA
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$415.59
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Feb-1990
|
Debt/Income ratio:
|
19%
|
TU FICO range:
|
740-759 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
10 / 10
|
Length of status:
|
19y 7m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
24
|
Occupation:
|
Analyst
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$15,222
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
20%
|
|
|
|
|
Has Mortgage:
|
Yes
|
Borrower's state:
|
New Jersey
|
Credit information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12638247
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:
|
$15,500.00
|
Prosper Rating:
|
C
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
12.90%
|
Borrower rate/APR:
|
13.90% / 17.54%
|
Monthly payment:
|
$529.00
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.26% - 9.38%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
7
|
First credit line:
|
Jun-2013
|
Debt/Income ratio:
|
20%
|
TU FICO range:
|
640-659 (Jan-2022)
|
Inquiries last 6m:
|
2
|
Employment status:
|
Employed
|
Current delinquencies:
|
1
|
Current / open credit lines:
|
16 / 16
|
Length of status:
|
1y 10m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
20
|
Occupation:
|
Tradesman - Mechanic
|
Public records last 24m/10y:
|
0 / 1
|
Revolving credit balance:
|
$4,153
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
2
|
Bankcard utilization:
|
30%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12638220
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:
|
$21,000.00
|
Prosper Rating:
|
D
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$14,700
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
15.20%
|
Borrower rate/APR:
|
16.20% / 19.89%
|
Monthly payment:
|
$740.37
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.13% - 11.69%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
3
|
First credit line:
|
Feb-2008
|
Debt/Income ratio:
|
19%
|
TU FICO range:
|
640-659 (Jan-2022)
|
Inquiries last 6m:
|
1
|
Employment status:
|
Employed
|
Current delinquencies:
|
1
|
Current / open credit lines:
|
10 / 10
|
Length of status:
|
3y 0m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
31
|
Occupation:
|
Not available
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$488
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
11
|
Bankcard utilization:
|
2%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12638211
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:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
21.60%
|
Borrower rate/APR:
|
22.60% / 26.44%
|
Monthly payment:
|
$577.52
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.87% - 14.12%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
1
|
First credit line:
|
Jan-2015
|
Debt/Income ratio:
|
29%
|
TU FICO range:
|
660-679 (Jan-2022)
|
Inquiries last 6m:
|
3
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
11 / 11
|
Length of status:
|
25y 4m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
17
|
Occupation:
|
Other
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$3,686
|
Stated income:
|
$75,000-99,999
|
Delinquencies in last 7y:
|
1
|
Bankcard utilization:
|
54%
|
|
|
|
|
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
Home Improvement
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12638115
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$3,000.00
|
Prosper Rating:
|
C
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
13.80%
|
Borrower rate/APR:
|
14.79% / 18.46%
|
Monthly payment:
|
$103.70
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.26% - 9.38%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
5
|
First credit line:
|
Dec-1997
|
Debt/Income ratio:
|
38%
|
TU FICO range:
|
680-699 (Jan-2022)
|
Inquiries last 6m:
|
1
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
13 / 13
|
Length of status:
|
13y 3m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
25
|
Occupation:
|
Medical Technician
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$70,727
|
Stated income:
|
$75,000-99,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
99%
|
|
|
|
|
Has Mortgage:
|
Yes
|
Borrower's state:
|
New Jersey
|
Credit information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Home Improvement
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12638076
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:
|
$6,500.00
|
Prosper Rating:
|
AA
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$198.63
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Oct-2008
|
Debt/Income ratio:
|
14%
|
TU FICO range:
|
760-779 (Jan-2022)
|
Inquiries last 6m:
|
2
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
17 / 17
|
Length of status:
|
15y 8m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
46
|
Occupation:
|
Clerical
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$9,370
|
Stated income:
|
$50,000-74,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
10%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12638046
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:
|
$28,000.00
|
Prosper Rating:
|
C
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$19,600
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
14.40%
|
Borrower rate/APR:
|
15.40% / 19.08%
|
Monthly payment:
|
$976.12
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.26% - 9.38%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
4
|
First credit line:
|
Jun-2007
|
Debt/Income ratio:
|
36%
|
TU FICO range:
|
700-719 (Jan-2022)
|
Inquiries last 6m:
|
2
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
16 / 16
|
Length of status:
|
8y 3m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
35
|
Occupation:
|
Construction
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$10,756
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
4
|
Bankcard utilization:
|
29%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12637863
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:
|
16.00%
|
Borrower rate/APR:
|
17.00% / 20.71%
|
Monthly payment:
|
$71.31
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.13% - 11.69%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
4
|
First credit line:
|
Sep-2017
|
Debt/Income ratio:
|
22%
|
TU FICO range:
|
640-659 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
4 / 4
|
Length of status:
|
3y 6m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
5
|
Occupation:
|
Military Enlisted
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$627
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
42%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12637809
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$8,000.00
|
Prosper Rating:
|
E
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
25.01%
|
Borrower rate/APR:
|
26.00% / 29.93%
|
Monthly payment:
|
$322.37
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.87% - 14.12%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
3
|
First credit line:
|
Dec-2015
|
Debt/Income ratio:
|
43%
|
TU FICO range:
|
700-719 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
7 / 7
|
Length of status:
|
1y 3m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
9
|
Occupation:
|
Clerical
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$9,925
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
55%
|
|
|
|
|
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
Medical / Dental
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12637806
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:
|
$35,000.00
|
Prosper Rating:
|
AA
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$24,500
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$1,069.53
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Nov-2004
|
Debt/Income ratio:
|
5%
|
TU FICO range:
|
760-779 (Jan-2022)
|
Inquiries last 6m:
|
1
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
39 / 39
|
Length of status:
|
0y 3m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
68
|
Occupation:
|
Nurse (LPN)
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$19,642
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
10%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12637782
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:
|
$9,000.00
|
Prosper Rating:
|
AA
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$6,300
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
7.40%
|
Borrower rate/APR:
|
8.40% / 11.92%
|
Monthly payment:
|
$283.69
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Oct-1995
|
Debt/Income ratio:
|
14%
|
TU FICO range:
|
820-850 (Jan-2022)
|
Inquiries last 6m:
|
Not available
|
Employment status:
|
Other
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
6 / 6
|
Length of status:
|
9y 7m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
9
|
Occupation:
|
Not available
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$434
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
8%
|
|
|
|
|
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
Other
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12637707
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:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$702.84
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Jun-1989
|
Debt/Income ratio:
|
26%
|
TU FICO range:
|
800-819 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
20 / 20
|
Length of status:
|
14y 6m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
37
|
Occupation:
|
Pharmacist
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$13,758
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
12%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12637620
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:
|
$31,000.00
|
Prosper Rating:
|
AA
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$21,700
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$947.30
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Oct-2004
|
Debt/Income ratio:
|
17%
|
TU FICO range:
|
720-739 (Dec-2021)
|
Inquiries last 6m:
|
2
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
14 / 14
|
Length of status:
|
13y 8m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
21
|
Occupation:
|
Food Service Management
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$18,712
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
2
|
Bankcard utilization:
|
38%
|
|
|
|
|
Has Mortgage:
|
Yes
|
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
Other
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12637614
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$3,000.00
|
Prosper Rating:
|
AA
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$2,100
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.93%
|
Borrower rate/APR:
|
6.93% / 8.58%
|
Monthly payment:
|
$92.54
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Feb-2003
|
Debt/Income ratio:
|
2%
|
TU FICO range:
|
820-850 (Jan-2022)
|
Inquiries last 6m:
|
1
|
Employment status:
|
Self-employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
7 / 7
|
Length of status:
|
6y 7m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
28
|
Occupation:
|
Attorney
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$30,686
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
1%
|
|
|
|
|
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
Home Improvement
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12637509
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:
|
$35,000.00
|
Prosper Rating:
|
AA
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$1,069.53
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Feb-1974
|
Debt/Income ratio:
|
22%
|
TU FICO range:
|
820-850 (Jan-2022)
|
Inquiries last 6m:
|
2
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
24 / 24
|
Length of status:
|
17y 7m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
42
|
Occupation:
|
Accountant/CPA
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$16,026
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
9%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12628150
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$17,152.00
|
Prosper Rating:
|
C
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$12,006
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
14.10%
|
Borrower rate/APR:
|
15.10% / 18.77%
|
Monthly payment:
|
$595.42
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.26% - 9.38%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
4
|
First credit line:
|
Aug-2005
|
Debt/Income ratio:
|
20%
|
TU FICO range:
|
660-679 (Jan-2022)
|
Inquiries last 6m:
|
3
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
8 / 8
|
Length of status:
|
4y 7m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
21
|
Occupation:
|
Other
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$19,025
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
6
|
Bankcard utilization:
|
99%
|
|
|
|
|
Has Mortgage:
|
Yes
|
Borrower's state:
|
District of Columbia
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12627997
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$2,000.00
|
Prosper Rating:
|
E
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
20.69%
|
Borrower rate/APR:
|
21.69% / 25.51%
|
Monthly payment:
|
$76.06
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.87% - 14.12%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
1
|
First credit line:
|
Jul-2020
|
Debt/Income ratio:
|
5%
|
TU FICO range:
|
680-699 (Jan-2022)
|
Inquiries last 6m:
|
2
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
3 / 3
|
Length of status:
|
0y 3m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
4
|
Occupation:
|
Other
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$733
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
70%
|
|
|
|
|
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
Other
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12627916
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:
|
$9,500.00
|
Prosper Rating:
|
C
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$6,650
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
13.85%
|
Borrower rate/APR:
|
14.85% / 18.51%
|
Monthly payment:
|
$328.62
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.26% - 9.38%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
6
|
First credit line:
|
Jun-2016
|
Debt/Income ratio:
|
13%
|
TU FICO range:
|
660-679 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Self-employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
8 / 8
|
Length of status:
|
Not available
|
Amount delinquent:
|
$0
|
Total credit lines:
|
10
|
Occupation:
|
Not available
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$1,684
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
3
|
Bankcard utilization:
|
39%
|
|
|
|
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12627859
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$4,500.00
|
Prosper Rating:
|
C
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$3,150
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
13.10%
|
Borrower rate/APR:
|
14.09% / 17.75%
|
Monthly payment:
|
$154.02
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.26% - 9.38%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
5
|
First credit line:
|
Jul-2014
|
Debt/Income ratio:
|
42%
|
TU FICO range:
|
660-679 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
7 / 7
|
Length of status:
|
Not available
|
Amount delinquent:
|
$0
|
Total credit lines:
|
16
|
Occupation:
|
Not available
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$1,884
|
Stated income:
|
$25,000-49,999
|
Delinquencies in last 7y:
|
1
|
Bankcard utilization:
|
81%
|
|
|
|
|
Has Mortgage:
|
No
|
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
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12627841
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$4,500.00
|
Prosper Rating:
|
AA
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$3,150
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
7.50%
|
Borrower rate/APR:
|
8.50% / 12.03%
|
Monthly payment:
|
$142.05
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Jun-2016
|
Debt/Income ratio:
|
12%
|
TU FICO range:
|
760-779 (Jan-2022)
|
Inquiries last 6m:
|
Not available
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
3 / 3
|
Length of status:
|
5y 5m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
3
|
Occupation:
|
Student - College Graduate Student
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$2,842
|
Stated income:
|
$1-24,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
12%
|
|
|
|
|
Has Mortgage:
|
No
|
Borrower's state:
|
Indiana
|
Credit information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Debt Consolidation
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12627796
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:
|
AA
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$8,400
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$366.70
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Jul-1993
|
Debt/Income ratio:
|
23%
|
TU FICO range:
|
760-779 (Jan-2022)
|
Inquiries last 6m:
|
2
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
9 / 9
|
Length of status:
|
8y 10m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
14
|
Occupation:
|
Accountant/CPA
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$28,906
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
2
|
Bankcard utilization:
|
40%
|
|
|
|
|
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
Medical / Dental
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12627793
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$26,000.00
|
Prosper Rating:
|
AA
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$18,200
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$794.51
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Oct-2010
|
Debt/Income ratio:
|
33%
|
TU FICO range:
|
780-799 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
9 / 9
|
Length of status:
|
5y 5m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
16
|
Occupation:
|
Not available
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$4,058
|
Stated income:
|
$50,000-74,999
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
6%
|
|
|
|
|
Has Mortgage:
|
Yes
|
Borrower's state:
|
Virginia
|
Credit information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
"Not available" indicates the information could not be obtained by the credit bureau.
Description
Large Purchase
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12627781
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:
|
$9,789.00
|
Prosper Rating:
|
D
|
Listing Duration:
|
14 days
|
Minimum Amount to Fund:
|
$6,852
|
Term:
|
60 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
18.00%
|
Borrower rate/APR:
|
19.00% / 21.44%
|
Monthly payment:
|
$253.93
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.13% - 11.69%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
3
|
First credit line:
|
Oct-2005
|
Debt/Income ratio:
|
2%
|
TU FICO range:
|
800-819 (Jan-2022)
|
Inquiries last 6m:
|
3
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
6 / 6
|
Length of status:
|
5y 2m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
22
|
Occupation:
|
Doctor
|
Public records last 24m/10y:
|
Not available / 0
|
Revolving credit balance:
|
$7,881
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
0
|
Bankcard utilization:
|
19%
|
|
|
|
|
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
Other
Information in the Description is not verified.
Borrower Payment Dependent Notes Series 12638448
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount:
|
$3,000.00
|
Prosper Rating:
|
AA
|
Listing Duration:
|
14 days
|
Term:
|
36 months
|
Initial Status:
|
F
|
|
|
|
|
|
Investor yield:
|
5.30%
|
Borrower rate/APR:
|
6.30% / 7.94%
|
Monthly payment:
|
$91.67
|
|
Investor servicing fee:
|
1.00%
|
Historical Return*:
|
3.37% - 5.62%
|
|
|
|
|
|
* 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 December 31, 2021. Historical Returns are based on actual payments (other than principal) received by the investor net of fees and losses (including from charged-off loans). To be included in the historical return ("Historical Return") calculation, the loan must have originated (a) on or after July 1, 2009, and (b) at least 12 months prior to the calculation date. We calculate the Historical Return for loans originated through Prosper as follows. First, loans are separated into distinct "Groups" based on the specific month and year in which they were originated and their Prosper Rating or mix of Prosper Ratings (as applicable) at origination. For each Group, we calculate: (a) the sum of the interest paid, plus late fees, minus servicing fees, minus collection fees, in each case on active loans, plus net recoveries on charged-off or defaulted loans, plus net debt sale proceeds on sold loans, minus gross principal losses; divided by (b) the sum of the principal balances outstanding on active loans at the end of each day since origination. We then annualize the result to get the "Historical Return" for the Group. Once this calculation is performed for every Group, we compute the 10th and 90th cumulative-outstanding-principal-dollar-weighted percentiles of the Historical Returns of the Groups within each Prosper Rating or mix of Prosper Ratings (as applicable) to get the "Historical Return Range" of the relevant Prosper Rating or mix of Prosper Ratings. For purposes of this calculation, "active" means loans that are current in payments or delinquent less than 120 days; loans that have paid off, charged-off or are in default are not considered active. The Historical Return calculation (a) is updated monthly; and (b) excludes the impact of servicing related non-cash corrective adjustments that may modify the outstanding balance or status of a borrower loan. The actual return on any Note depends on the prepayment and delinquency pattern of the loan underlying each Note, which is highly uncertain. Individual results may vary. Historical performance is no guarantee of future results and the information presented is not intended to be investment advice or a guarantee about the performance of any Note.
Borrower's Credit Profile
Prosper score (1-11):
|
11
|
First credit line:
|
Apr-2002
|
Debt/Income ratio:
|
15%
|
TU FICO range:
|
700-719 (Jan-2022)
|
Inquiries last 6m:
|
0
|
Employment status:
|
Employed
|
Current delinquencies:
|
0
|
Current / open credit lines:
|
7 / 7
|
Length of status:
|
4y 5m
|
Amount delinquent:
|
$0
|
Total credit lines:
|
22
|
Occupation:
|
Teacher
|
Public records last 24m/10y:
|
0 / 1
|
Revolving credit balance:
|
$7,176
|
Stated income:
|
$100,000+
|
Delinquencies in last 7y:
|
2
|
Bankcard utilization:
|
52%
|
|
|
|
|
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
Other
Information in the Description is not verified.