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Borrower Segments
Ever wonder how a borrower's occupation, homeownership, home state, or income range plays into their risk of default (or chance of funding?). This report allows you to break borrower listings up into segments by any one of a list of attributes and examine the performance of each segment relative to the others.
For example, you could use this report to see how home ownership affects late rates, how listing duration or employment status affects the chances that a listing will fund, or even how many Prosper borrowers are realtors. Lots of different ways to slice n' dice the data in one report.
Note that for some of the newer extended credit fields (such as occupation or open credit lines) there is significantly less data available than for some of the other fields that have been around longer. That data is also likely to be newer on average, which will have a particular affect on the % late figures.
|
| Occupation | Listings | Loans | |||||||
|---|---|---|---|---|---|---|---|---|---|
| # Listings |
$ Listed |
Avg Credit |
% Funded |
# Loans |
$ Loaned |
Avg Credit |
Avg Age |
% Late |
|
| Accountant/CPA | 7,785 | $64,931,123 | D+ | 23% | 1,755 | $12,827,877 | C+ | 1041 | 14% |
| Administrative Assistant | 4,400 | $31,864,297 | E | 6% | 256 | $1,368,614 | D+ | 2180 | 40% |
| Analyst | 8,461 | $65,870,095 | D+ | 24% | 1,989 | $14,692,998 | C+ | 1108 | 12% |
| Architect | 635 | $5,560,782 | C- | 20% | 130 | $1,054,159 | C+ | 1130 | 17% |
| Attorney | 1,858 | $19,060,525 | C | 28% | 526 | $4,808,795 | B- | 1004 | 7% |
| Biologist | 289 | $2,183,130 | C- | 25% | 71 | $484,000 | C+ | 1130 | 14% |
| Bus Driver | 1,107 | $7,120,757 | D- | 14% | 156 | $914,626 | C- | 1051 | 21% |
| Car Dealer | 600 | $5,631,614 | D | 14% | 82 | $580,501 | C | 1065 | 22% |
| Chemist | 394 | $3,418,558 | C- | 20% | 80 | $539,185 | C | 1189 | 18% |
| Civil Service | 4,123 | $30,090,014 | D | 19% | 780 | $5,210,864 | C | 1053 | 17% |
| Clergy | 597 | $5,062,395 | D | 16% | 97 | $619,150 | C- | 951 | 9% |
| Clerical | 14,537 | $87,978,151 | E+ | 11% | 1,665 | $8,668,433 | D+ | 1219 | 24% |
| Computer Programmer | 10,132 | $86,595,727 | C- | 27% | 2,717 | $20,935,015 | B- | 1137 | 10% |
| Construction | 6,797 | $64,388,324 | D | 13% | 888 | $6,845,258 | C | 1145 | 26% |
| Dentist | 198 | $2,207,500 | C- | 15% | 29 | $273,750 | C+ | 1063 | 7% |
| Doctor | 1,229 | $15,305,500 | C+ | 22% | 266 | $2,812,565 | B | 1042 | 10% |
| Engineer - Chemical | 483 | $4,106,073 | C- | 27% | 129 | $1,105,600 | B- | 1046 | 11% |
| Engineer - Electrical | 2,333 | $20,706,709 | C- | 27% | 626 | $5,007,257 | B- | 1025 | 12% |
| Engineer - Mechanical | 3,037 | $26,490,390 | C- | 25% | 748 | $5,745,617 | B- | 1027 | 11% |
| Executive | 10,324 | $111,382,352 | C- | 21% | 2,204 | $20,882,697 | C+ | 1012 | 16% |
| Fireman | 945 | $8,236,207 | D+ | 26% | 245 | $1,884,107 | C+ | 1065 | 16% |
| Flight Attendant | 446 | $3,239,070 | D- | 15% | 67 | $400,315 | D+ | 1211 | 24% |
| Food Service | 4,668 | $32,326,478 | D- | 13% | 621 | $3,135,228 | D+ | 1103 | 29% |
| Food Service Management | 4,105 | $33,385,024 | D | 15% | 635 | $4,245,793 | C | 1030 | 19% |
| Homemaker | 637 | $4,502,165 | D- | 9% | 58 | $320,431 | C | 1317 | 40% |
| Investor | 715 | $7,077,039 | C | 18% | 130 | $955,405 | C | 720 | 16% |
| Judge | 41 | $398,800 | C | 24% | 10 | $135,700 | B | 511 | 0% |
| Laborer | 6,634 | $40,992,018 | E+ | 12% | 800 | $4,215,775 | D+ | 1098 | 27% |
| Landscaping | 972 | $7,975,226 | D | 12% | 113 | $682,496 | C | 1214 | 23% |
| Medical Technician | 3,859 | $26,154,266 | D- | 15% | 569 | $3,621,274 | C | 1033 | 20% |
| Military Enlisted | 6,418 | $47,603,035 | D- | 13% | 848 | $4,957,297 | C- | 1222 | 15% |
| Military Officer | 783 | $6,812,552 | C | 29% | 226 | $1,609,877 | C+ | 1132 | 7% |
| Nurse (LPN) | 602 | $4,974,414 | E | 3% | 18 | $138,500 | C | 2136 | 61% |
| Nurse (RN) | 1,116 | $10,973,704 | D- | 10% | 111 | $876,074 | C | 2178 | 30% |
| Nurse - Licensed Practical Nurse (LPN) | 1,215 | $8,485,843 | D | 17% | 212 | $1,308,610 | D+ | 822 | 19% |
| Nurse - Registered Nurse (RN) | 3,495 | $29,416,843 | C- | 28% | 972 | $7,482,281 | C | 778 | 12% |
| Nurse's Aide | 2,320 | $13,762,820 | E+ | 10% | 236 | $1,254,313 | D+ | 1035 | 29% |
| Other | 23,696 | $194,709,322 | E+ | 8% | 1,804 | $11,612,354 | C | 2179 | 37% |
| Pharmacist | 421 | $4,710,550 | C | 29% | 121 | $1,349,500 | B- | 868 | 11% |
| Pilot - Private/Commercial | 383 | $4,004,620 | C+ | 31% | 120 | $1,081,553 | B- | 1005 | 4% |
| Police Officer/Correction Officer | 4,309 | $32,846,746 | D | 18% | 789 | $5,764,431 | C | 1023 | 18% |
| Postal Service | 2,115 | $15,618,065 | D- | 17% | 349 | $2,306,745 | C- | 1048 | 24% |
| Principal | 739 | $7,858,745 | C- | 20% | 151 | $1,431,634 | C+ | 1023 | 22% |
| Profession that is not part of this list | 66,492 | $472,169,033 | D+ | 21% | 13,654 | $86,224,663 | C- | 858 | 16% |
| Professional | 37,878 | $312,502,864 | D | 20% | 7,532 | $55,801,919 | C | 1055 | 16% |
| Professor | 1,021 | $8,549,074 | C- | 27% | 276 | $2,097,936 | C+ | 1012 | 13% |
| Psychologist | 355 | $3,203,554 | D+ | 19% | 66 | $515,649 | C+ | 1056 | 9% |
| Realtor | 3,214 | $35,009,328 | D+ | 10% | 336 | $2,820,708 | C+ | 1562 | 41% |
| Religious | 357 | $2,867,589 | D+ | 24% | 85 | $502,751 | C | 1045 | 21% |
| Retail Management | 8,222 | $64,367,365 | D | 16% | 1,329 | $8,941,086 | C- | 1064 | 20% |
| Retired | 3,467 | $25,693,648 | D- | 5% | 178 | $951,373 | C+ | 2108 | 38% |
| Sales - Commission | 13,615 | $115,578,926 | D | 14% | 1,931 | $13,900,997 | C | 1201 | 25% |
| Sales - Retail | 11,276 | $77,954,606 | D- | 14% | 1,607 | $8,798,911 | C- | 1117 | 22% |
| Scientist | 731 | $5,883,673 | C | 30% | 217 | $1,605,908 | B- | 1012 | 8% |
| Secretary/Administrative Assistant | 10,490 | $66,287,664 | D | 19% | 2,043 | $11,677,903 | D+ | 918 | 17% |
| Self Employed | 8,705 | $103,682,876 | D | 7% | 634 | $6,135,816 | C+ | 2137 | 48% |
| Skilled Labor | 8,345 | $58,673,470 | D- | 17% | 1,407 | $8,452,704 | C | 1034 | 21% |
| Social Worker | 2,312 | $15,735,958 | D- | 17% | 391 | $2,322,085 | C | 1108 | 19% |
| Student - College Freshman | 330 | $1,693,447 | D- | 10% | 33 | $107,150 | D+ | 1461 | 27% |
| Student - College Graduate Student | 370 | $2,829,126 | D | 14% | 52 | $264,776 | C+ | 2194 | 12% |
| Student - College Junior | 757 | $4,009,677 | D- | 10% | 76 | $214,694 | C | 1676 | 28% |
| Student - College Senior | 894 | $4,864,151 | D | 16% | 139 | $508,877 | C | 1534 | 17% |
| Student - College Sophomore | 634 | $3,196,185 | E+ | 8% | 51 | $155,829 | D | 1671 | 33% |
| Student - Community College | 238 | $1,385,030 | D- | 7% | 17 | $73,163 | C+ | 1556 | 29% |
| Student - Graduate School | 698 | $4,126,227 | D+ | 20% | 139 | $596,254 | C | 1126 | 6% |
| Student - Technical School | 113 | $678,741 | E+ | 8% | 9 | $35,000 | C- | 1879 | 44% |
| Teacher | 9,795 | $72,207,765 | D | 21% | 2,056 | $13,163,039 | C | 1081 | 17% |
| Teacher's Aide | 1,204 | $7,356,973 | D- | 14% | 173 | $809,065 | D+ | 1125 | 22% |
| Tradesman - Carpenter | 497 | $3,983,482 | D | 14% | 70 | $440,826 | C | 1190 | 23% |
| Tradesman - Electrician | 1,306 | $11,556,208 | D | 18% | 240 | $1,722,036 | C | 1061 | 17% |
| Tradesman - Mechanic | 2,281 | $17,349,232 | D | 18% | 409 | $2,626,663 | C- | 1020 | 19% |
| Tradesman - Plumber | 370 | $3,285,232 | D | 16% | 61 | $387,165 | C+ | 1084 | 25% |
| Truck Driver | 5,763 | $45,380,041 | D- | 13% | 761 | $4,802,110 | C- | 1023 | 23% |
| Unemployed | 2,308 | $16,676,340 | E+ | 3% | 58 | $215,765 | C | 2085 | 29% |
| Waiter/Waitress | 1,533 | $10,211,860 | D | 18% | 278 | $1,327,992 | C- | 1195 | 22% |