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Lender Return Distribution
The graph below shows how lender performance on Prosper breaks down based on EricsCC ROI. This should give you some idea of what the typical return for a Prosper lender has been historically. You can also use the criteria below to narrow down the lenders to only those with specific portfolio attributes to make the data more meaningful.
The graph will only include ROI brackets where there are at least 50 lenders and only includes lenders with an average loan age of at least 30 days. This is to help eliminate some of the outliers and those for whom we can't yet calculate an ROI figure.
The table below the graph shows the same data in tabular format along with some other interesting information about the lenders in each ROI group such as average loan age and average amount invested.
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| ROI | # | Avg # Loans | Avg $ Loaned | Avg Age | Avg CG | Avg Rate |
|---|---|---|---|---|---|---|
| -50% | 56 | 1 | $112 | 1090 days | NC | 0% |
| -45% | 64 | 2 | $142 | 1187 days | NC | 2% |
| -44% | 57 | 3 | $236 | 1139 days | NC | 0% |
| -41% | 68 | 3 | $197 | 1082 days | NC | 2% |
| -40% | 67 | 3 | $112 | 1110 days | NC | 1% |
| -39% | 69 | 2 | $121 | 1111 days | NC | 4% |
| -38% | 83 | 2 | $87 | 1115 days | NC | 2% |
| -37% | 51 | 7 | $183 | 1111 days | NC | 1% |
| -36% | 62 | 4 | $276 | 1101 days | NC | 1% |
| -35% | 99 | 6 | $765 | 1133 days | NC | 2% |
| -34% | 74 | 6 | $235 | 1167 days | NC+ | 4% |
| -33% | 88 | 5 | $296 | 1086 days | NC+ | 3% |
| -32% | 99 | 6 | $282 | 1109 days | NC+ | 5% |
| -31% | 98 | 6 | $259 | 1097 days | NC+ | 4% |
| -30% | 92 | 8 | $310 | 1139 days | HR | 6% |
| -29% | 133 | 6 | $353 | 1051 days | HR+ | 6% |
| -28% | 146 | 5 | $415 | 1046 days | HR | 6% |
| -27% | 163 | 9 | $385 | 1117 days | HR | 6% |
| -26% | 168 | 11 | $491 | 1126 days | E- | 8% |
| -25% | 200 | 10 | $446 | 1099 days | HR+ | 7% |
| -24% | 213 | 11 | $411 | 1118 days | HR+ | 7% |
| -23% | 219 | 9 | $260 | 1074 days | HR+ | 7% |
| -22% | 250 | 11 | $482 | 1102 days | E | 8% |
| -21% | 271 | 14 | $619 | 1071 days | E | 10% |
| -20% | 293 | 11 | $375 | 1095 days | HR+ | 8% |
| -19% | 342 | 13 | $533 | 1082 days | E | 9% |
| -18% | 406 | 15 | $601 | 1079 days | E | 9% |
| -17% | 390 | 17 | $483 | 1062 days | E+ | 9% |
| -16% | 427 | 16 | $591 | 1083 days | E | 9% |
| -15% | 477 | 21 | $704 | 1071 days | D- | 11% |
| -14% | 552 | 22 | $780 | 1067 days | D | 11% |
| -13% | 654 | 26 | $879 | 1072 days | D | 11% |
| -12% | 760 | 27 | $1,004 | 1071 days | D | 11% |
| -11% | 738 | 31 | $1,040 | 1057 days | D | 11% |
| -10% | 895 | 34 | $1,066 | 1053 days | C- | 13% |
| -9% | 1039 | 41 | $1,199 | 1049 days | C- | 12% |
| -8% | 1200 | 41 | $1,140 | 1050 days | C- | 13% |
| -7% | 1329 | 47 | $1,457 | 1028 days | C | 13% |
| -6% | 1492 | 46 | $1,156 | 1029 days | C | 13% |
| -5% | 1744 | 61 | $1,590 | 1023 days | C | 13% |
| -4% | 1854 | 63 | $1,671 | 1008 days | C | 14% |
| -3% | 2036 | 73 | $1,885 | 1005 days | C | 14% |
| -2% | 2307 | 75 | $2,008 | 987 days | C+ | 14% |
| -1% | 2283 | 82 | $1,827 | 975 days | C+ | 14% |
| 0% | 2494 | 76 | $1,730 | 967 days | C+ | 13% |
| 1% | 2360 | 73 | $1,633 | 962 days | C+ | 13% |
| 2% | 2252 | 78 | $1,713 | 963 days | C+ | 13% |
| 3% | 2011 | 70 | $1,419 | 944 days | C+ | 13% |
| 4% | 1820 | 57 | $1,272 | 922 days | C+ | 13% |
| 5% | 1649 | 55 | $1,632 | 913 days | C+ | 13% |
| 6% | 1630 | 41 | $920 | 885 days | C+ | 12% |
| 7% | 1501 | 37 | $915 | 859 days | C+ | 12% |
| 8% | 1851 | 29 | $824 | 777 days | C+ | 11% |
| 9% | 1554 | 27 | $818 | 709 days | C+ | 12% |
| 10% | 1546 | 29 | $837 | 728 days | C | 11% |
| 11% | 1268 | 30 | $1,030 | 685 days | C | 12% |
| 12% | 1171 | 30 | $974 | 705 days | C- | 12% |
| 13% | 952 | 33 | $1,391 | 667 days | C- | 14% |
| 14% | 836 | 35 | $1,245 | 705 days | D+ | 13% |
| 15% | 601 | 32 | $1,181 | 645 days | C- | 15% |
| 16% | 574 | 29 | $1,373 | 707 days | D | 14% |
| 17% | 440 | 31 | $1,252 | 646 days | D | 16% |
| 18% | 430 | 22 | $985 | 637 days | D | 16% |
| 19% | 337 | 30 | $1,265 | 562 days | D | 17% |
| 20% | 306 | 33 | $1,344 | 619 days | D | 18% |
| 21% | 264 | 20 | $869 | 603 days | D | 18% |
| 22% | 224 | 26 | $1,262 | 587 days | D- | 17% |
| 23% | 187 | 41 | $5,146 | 551 days | D- | 20% |
| 24% | 175 | 36 | $2,362 | 629 days | E+ | 19% |
| 25% | 162 | 19 | $924 | 410 days | D | 23% |
| 26% | 155 | 24 | $1,637 | 542 days | E+ | 22% |
| 27% | 91 | 24 | $2,615 | 521 days | D- | 24% |
| 28% | 104 | 11 | $689 | 660 days | E- | 18% |
| 29% | 54 | 19 | $1,762 | 409 days | D- | 26% |
| 32% | 55 | 5 | $518 | 344 days | D | 29% |
| 34% | 60 | 4 | $452 | 487 days | NC+ | 17% |

