Searching through Prosper loan listings – listings API

The starting listing within the query result set when paginating.

When making calls that may return a large result set, it is beneficial to page the result set.By paginating your result set, you will get a much faster response than when requesting a larger, potentially large, data set for the limit value.

Example: If your first call specifies an offset of 0, and a limit of 25, your second call would have an offset value of 25. Your third call would have an offset value of 50. Your fourth call would have an offset value of 75, and so forth.

The maximum value is 500.

Determines how many listings objects to return in the result set. There may be less remaining objects than the value you specify for the limit.

• experian
• transunion
• experian,transunion

The default value is null.

Add this parameter to your request if you want to see TransUnion or Experian credit bureau underwriting values in the search response.

By default, the listings API returns a subset of indexed TransUnion credit bureau underwriting values in a response.

Note: Use this parameter judiciously. Including credit bureau underwriting values can increase response time dramatically, especially when returning a large set of listings. If you do not need the credit bureau underwriting values, it is best not to request them.

Due to the large set of credit bureau underwriting values that are returned within a GET listings response, those values are documented on separate pages:

TransUnion credit bureau values

Experian credit bureau values

Possible values:

• true
• false

When set to true, you will retrieve active listings.
When set to false, you can only retrieve listings that you own (You must set invested=true).

Use this parameter in conjunction with the invested query parameter to retrieve the listings you want to view. For a discussion about how to use the biddable and invested query parameters, see below.

By default, invested is set to null.

Possible values:

• true
• false
• null – not passed in

Use this parameter in conjunction with the biddable query parameter to retrieve the listings you want to view. For a discussion about how to use the biddable and invested query parameters, see below.

• amount_funded
• amount_remaining
• borrower_rate
• fico_score
• investment_typeid
• lender_yield
• listing_amount
• listing_category_id
• listing_creation_date
• listing_end_date
• listing_number
• listing_start_date
• listing_status
• listing_term
• partial_funding_indicator
• percent_funded
• prosper_rating
• prosper_score
• verification_stage

The possible values of the sort_by setting are:

• asc – ascending (default)
• desc – descending

Example: To sort the listings returned by the listing’s verification stage in descending order, you would enter the following:

GET /listingsvc/v2/listings/?sort_by=verification_stage desc

Note: The sort order value (asc or desc) should be preceded by a space.

• true
• false

Add this parameter to return whole loans only. If set to true, the API will only return listings containing whole loans. If set to false (or missing) the API will return listings for all loan types (whole loans and partial investment loans). The default value for this parameter is false.

Note: Not all investors are allowed to invest in whole loans. If you want to sort listings when retrieving all listing loan types, use the investment_typeid parameter.

By default exclude_co_borrower_application is set to false.

Possible values:

• If set to true, co-borrower listings will not be included in the response.
• If set to false, co-borrower listings will be included in the response.

Example: If you want to search for listings where the partial funding indicator exists, you would add the following parameter to your search query:

GET /listingsvc/v2/listings/?partial_funding_indicator=true

Example one: If you want to retrieve the listings for the following active listing numbers only (2942004,7941078,9988017), you would add the following parameter to your listings search query:

GET /listingsvc/v2/listings/?listing_number= 2942004,7941078,9988017

Example two: If you want to retrieve the listings for the following owned listing numbers only (2641407,8932085,9877027), you would add the following parameter to your listings search query:

GET /listingsvc/v2/listings/?listing_number= 2641407,8932085,9877027&biddable=false

Example three: If you want to search for listings where the FICO value is within the following ranges of 760-779, and 780-799, and 800-819, and 820-850, you would add the following parameter to your search query (This query also sorts the listings in descending order by fico score):

GET /listingsvc/v2/listings/?fico_score=760-779,780-799,800-819,820-850&sort_by=fico_score desc

Example one: If you want to search for listings where the listing amount ranges between $2000 and $3000, you would add the following parameter to your listings search query:

GET /listingsvc/v2/listings/?listing_amount_min=2000&listing_amount_max=3000

Example two: If you want to search only for listings where the listing amount is above $15000, you would add the following parameter to your listings search query:

GET /listingsvc/v2/listings/?listing_amount_min=15000

Example three: If you want to search for listings where the listing start date is after May 22, 2015, you would add the following parameter to your listings search query:

GET /listingsvc/v2/listings/?listing_start_date_min=2015-05-22

If you wanted to be more specific and search for listings where the start date and time was May 22, 2015 at 8 am, you would add the following parameter to your listings search query:

GET /listingsvc/v2/listings/?listing_start_date_min=2015-05-22 08:00:00

Example four: If you want to search for listings where the listing amount ranges between $2000 and $3000, and where the listing start date is after May 22, 2015, you would add the following parameter to your listings search query:

GET /listingsvc/v2/listings/?listing_amount_min=2000&listing_amount_max=3000&
listing_start_date_min=2015-05-22

If you wanted to be even more specific and search for listings where the listing amount ranges between $2000 and $3000, and the start date and time was May 22, 2015 at 8 am, you would add the following parameter to your listings search query:

GET /listings/v2/?listing_amount_min=2000&listing_amount_max=3000& listing_start_date_min=2015-05-22 08:00:00

Amount of the listing funded

Amount already invested by the authenticated user

Amount remaining for funding.

Borrower APR

This field has been deprecated.
Loan description provided by the borrower

The borrower’s interest rate on the Loan

State, abbreviated.(CA, TX, MA, etc.)

This field has been deprecated.

A numerical value indicating the acquisition channel from which the borrower was sourced.

Object containing Experian credit bureau underwriting data for the borrower. To retrieve this data, pass the include_credit_bureau_values=experian query parameter when retrieving listings.

Note: Use this parameter judiciously. Including credit bureau underwriting values can increase response time dramatically, especially when returning a large set of listings. If you do not need the credit bureau underwriting values, it is best not to request them.

Due to the large set of credit bureau underwriting values that are returned within a GET listings response, those values are documented on a separate page:

Experian credit bureau values

Object containing TransUnion credit bureau underwriting data for the borrower. To retrieve this data, pass the include_credit_bureau_values=transunion query parameter when retrieving listings.

Note: Use this query parameter judiciously. Including credit bureau underwriting values can increase response time dramatically, especially when returning a large set of listings. If you do not need the credit bureau underwriting values, it’s best not to request them.

Due to the large set of credit bureau underwriting values that are returned within a GET listings response, those values are documented on a separate page:

TransUnion credit bureau values

Object containing indexed values from the TransUnion credit report that was used to generate the terms of the listing. The elements in this object are documented in more detail below. All elements in this object support range filters.

• fico score – fico score as reported by TransUnion credit report
• at01s – Number of all accounts (open and closed)
• at02s – Number open accounts
• at03s – Number open accounts that are currently satisfactory
• at20s – Months since oldest account opened
• at57s – Total past due amount of open trades verified in past 12 months
• bc34s – Utilization for open credit card trades verified in past 12 months
• g041s – Number of accounts 30 or more days past due ever
• g093s – Number of public records
• g094s – Number of public record bankruptcies
• g095s – Months since most recent public record
• g099s – Number of public record bankruptcies in past 24 months
• re101s – Total balance of all revolving trades verified in past 12 months
• g102s – Months since most recent inquiry
• g218b – Number of delinquent accounts
• g980s – Number of inquiries in the last 6 months
• re20s – Age of oldest revolving account in months
• s207s – Months since most recent public record bankruptcy
• re33s – Balance owed on all revolving accounts

Possible values

• Experian
• TransUnion

The value of this element shows which credit bureau’s underwriting data was used to generate the terms within the listing.

Debt to income ratio including the pro-forma monthly payment of the entire listing amount posted by the borrower.

Equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees, (iv) plus estimated post charge-off principal recovery.

This element and filter have been deprecated. This element will only be returned for listings with a start date (listing_start_date) through August 8, 2018. You can no longer filter for this element.

General employment status description (employed, self-employed, etc…)

Estimated principal loss on charge-offs.

This element and filter have been deprecated. This element will only be returned for listings with a start date (listing_start_date) through August 8, 2018. You can no longer filter for this element.

The estimated monthly housing expense for the borrower.

Estimated Return

This element and filter have been deprecated. This element will only be returned for listings with a start date (listing_start_date) through August 8, 2018. You can no longer filter for this element.

Binned FICO score of the borrower. To determine if the FICO score is from Experian or TransUnion for the listing, look for the value of the decision_bureau element. When filtering, use one of the following values:

• <600
• 600-619
• 620-639
• 640-659
• 660-679
• 680-699
• 700-719
• 720-739
• 740-759
• 760-779
• 780-799
• 800-819
• 820-850

Funding threshold to originate

An indication whether the borrower has an outstanding mortgage.

Average historical return for all loans within this Prosper rating expressed as a decimal.

Average historical return for all loans within this Prosper rating at the 10th percentile mark, expressed as a decimal.

Average historical return for all loans within this Prosper rating at the 90th percentile mark, expressed as a decimal.

You may specify values from 0 to 7, as listed below:

• 0 = Not displayed
• 1 = $0
• 2 = $1-24,999
• 3 = $25,000-49,999
• 4 = $50,000-74,999
• 5 = $75,000-99,999
• 6 = $100,000+
• 7 = Not employed

Example:
income_range=4
income_range=4,5,6

A textual description corresponding to the income_range number described above.

The borrower stated that they could verify their stated income.

A string that corresponds to the listing’s investment_typeid.
Will be one of the following strings:

• “Fractional”
• “Whole”

• 1 – Standard
• 2 – Series 1

The type of loan offering:

• 1 – Fractional
• 2 – Whole

Note: Not all investors can bid on whole loans.

Last updated date for the listing.

Note: Some fields, such as internal relationship fields, are not accessible to the search/listings API. However, updating those fields will update the last_updated_date field.

Borrower also has a investor Role.

• 0 = Holds borrower role only.
• 1 = Holds both borrower and investor roles.

The borrower’s interest rate less the investor servicing fee.

Loan amount requested by borrower.

Broad borrower-reported loan purpose expressed as an integer. This value will map to the listing_title value in your response.
The mapping for the values is:

• 1 – Debt Consolidation
• 2 – Home Improvement
• 3 – Business
• 4 – Personal loan
• 5 – Student use
• 6 – Auto / Motorcycle / RV / Boat
• 7 – Other
• 8 – Baby & Adoption
• 9 – Boat
• 10 – Cosmetic Procedures
• 11 – Engagement Ring Financing
• 12 – Green Loans
• 13 – Household Expenses
• 14 – Large Purchase
• 15 – Medical / Dental
• 16 – Motorcycle
• 17 – RV
• 18 – Taxes
• 19 – Vacation
• 20 – Wedding Loans
• 21 – Special Occasion

Listing Creation Datedate format ‘yyyy-MM-dd’

Example: 2015-12-24

Listing End Date
date format ‘yyyy-MM-dd’

Example: 2015-12-24

Monthly payment associated with the listing

Listing Number as found on the Prosper site

This field has been deprecated.

Refer to listing_title instead.

Listing Start Date

date format ‘yyyy-MM-dd’

Example: 2015-12-24

When filtering, you can also use the datetime format

date format ‘yyyy-MM-dd HH:mm:ss’

Example: 2015-12-24 08:00:00

Where the listing is within the Prosper Marketplace listings lifecycle:·

• 2 = Active –
  the listing is active on Prosper
• 4 = Withdrawn –
  the listing was withdrawn by customer request
• 5 = Expired –
  the listing failed to fund in time
• 6 = Completed – the listing ran to completion and was funded
• 7 = Cancelled –
  the listing was cancelled by Prosper
• 8 = Pending Review/ Acceptance –
  the listing ran to completion but is awaiting listing review from Prosper or acceptance by the borrower

A textual description corresponding to the listing_status number described above.

• Active
• Withdrawn
• Expired
• Completed
• Cancelled
• Pending Review / Acceptance

Months over which the loan amortizes. Values can be:

• 24
• 36
• 48
• 60

The title is determined by the type of loan selected by the borrower (Debt Consolidation, Home Improvement, Large Purchase, Household Expenses, Special Occassion, Vacation, Taxes, etc.)

The identifier of the loan. You can use the loan_number when making a call to the loans or payments API.

Note: This element will only appear within a listing that is owned and has originated (biddable=false and invested=true).

The origination date of the listing.

Note: This element will only appear within a listing that is owned and has originated (biddable=false and invested=true).
Example: 2016-12-10

Largest prior Prosper loan amount

Borrower unique ID/Member key

Smallest prior Prosper loan amount.

Length of employment in months.

Occupation Name

Note: Occupation reporting is optional when a person applies for a loan through Prosper.

The value can be one of the following:

• Accountant/CPA
• Analyst
• Architect
• Attorney
• Biologist
• Bus Driver
• Car Dealer
• Chemist
• Civil Service
• Clergy
• Clerical
• Computer Programmer
• Construction
• Dentist
• Doctor
• Engineer – Chemical
• Engineer – Electrical
• Engineer – Mechanical
• Executive
• Fireman
• Flight Attendant
• Food Service
• Food Service Management
• Homemaker
• Judge
• Laborer
• Landscaping
• Medical Technician
• Military Enlisted
• Military Officer
• Nurse (LPN)
• Nurse (RN)
• Nurse’s Aide
• Pharmacist
• Pilot Private/Commercial
• Police Officer/Correction Officer
• Postal Service
• Principal
• Professional
• Professor
• Psychologist
• Realtor
• Religious
• Retail Management
• Sales Commission
• Sales Retail
• Scientist
• Administrative Assistant
• Skilled Labor
• Social Worker
• Student – College Freshman
• Student – College Sophomore
• Student – College Junior
• Student – College Senior
• Student – College Graduate Student
• Student – Community College
• Student – Technical School
• Teacher
• Teacher’s Aide
• Tradesman – Carpenter
• Tradesman – Electrician
• Tradesman – Mechanic
• Tradesman – Plumber
• Truck Driver
• Waiter/Waitress
• Other
• Investor

If true, the borrower is approved for partial funding. Borrowers can choose to partially fund their listing if it is at least 70% funded at the end of the listing period. This field is not applicable when investment_typeid=2.

Percent of the listing funded

Total prior Prosper loans

Cycle number of the fastest early payoff of a prior Prosper loan.

Number of cycles prior loans were 31+ days past due.

Number of cycles prior loans were 61+ days past due.

Total prior Prosper loans that are still active

Total balance outstanding on Prosper loans

Total cycles billed on prior Prosper loans.

Number of billing cycles where a late payment was made on prior Prosper loans.

Number of billing cycles where a late payment by 1 or more months was made on prior Prosper loans.

Number of billing cycles where a timely payment was made on prior Prosper loans.

Total Prosper loans principal borrowed

Principal balance outstanding on Prosper Loans

A proprietary rating developed by Prosper allowing you to analyze a listing’s level of risk.
Can be one of the following values:

• AA
• A
• B
• C
• D
• E
• HR

A custom risk score built using historical Prosper data. The score ranges from 1 to 11, 11 having the lowest risk.

The borrower’s monthly income, as provided by the borrower.

A three-stage indicator of the progress on the loan, based on Prosper’s verification of the borrower’s information and documents submitted that are key to evaluating the loan. The further along in verification, the higher the verification stage and the more likely the loan will originate.
Can be one of the following values:

• 1
• 2
• 3

Date the listing was moved from the whole loan pool to the fractional loan pool.

Date the listing was posted to the whole loan pool

An indication whether the listing is a co-borrower application.

Combined debt to income ratio including the pro-forma monthly payment of the entire listing amount posted by the borrower and the co-borrower. This field is present only for co-borrower listings.

The combined borrowers’ stated monthly income, as provided by the borrower and the co-borrower. This field is present only for co-borrower listings.

Binned fico score of the borrower. When filtering, use one of the following values:

• <600
• 600-619
• 620-639
• 640-659
• 660-679
• 680-699
• 700-719
• 720-739
• 740-759
• 760-779
• 780-799
• 800-819
• 820-850

Examples:
GET /listingsvc/v2/listings/?fico_score=760-779

GET /listingsvc/v2/listings/?fico_score=760-779,780-799,800-819,820-850

at01s

Number of all accounts (open and closed) the borrower has.

This element maps to the TransUnion Credit Data at01s element.

The default value for this element is 0, with valid values of 0-999.

There are no special values for this element

Example: GET /listingsvc/v2/listings/?at01s_min=2&at01s_max=14

at02s

The number of open accounts the borrower has.

This element maps to the TransUnion Credit Data at02s element.

The default value for this element is 0, with valid values of 0-999.

A special value of -4 means no trades on file.

Example: GET /listingsvc/v2/listings/?at02s_min=2&at02s_max=4

at03s

Number of open trades currently satisfactory the borrower has.

This element maps to the TransUnion Credit Data at03s element.

The default value for this element is 0, with valid values of 0-999.

A special value of -2 means not verified in time period.
A special value of -3 means no open trades this type.
A special value of -4 means no trades on file.

Example: GET /listingsvc/v2/listings/?at03s_min=2&at03s_max=6

at20s

Number of months since oldest trade opened.

This element maps to the TransUnion Credit Data at20s element.

The default value for this element is 0, with valid values of 0-999.

A special value of -4 means no trades on file.
A special value of -5 means cannot calculate (required data for calculation is missing).

Example: GET /listingsvc/v2/listings/?at20s_min=60

at57s

Total past due amount of open trades verified in past 12 months for the borrower.

This element maps to the TransUnion Credit Data at57s element.

The default value for this element is 0, with valid values of 0-999999999.

A special value of -2 means not verified in time period.
A special value of -3 means no open trades this type.
A special value of -4 means no trades on file.
A special value of -5 means cannot calculate (required data for calculation is missing).

Example: GET /listingsvc/v2/listings/?at57s_max=7500

bc34s

Utilization for open credit card trades verified in past 12 months for the borrower.

This element maps to the TransUnion Credit Data bc34s element.

The default value for this element is 0, with valid values of 0-999.

A special value of -1 means no trades of this type.
A special value of -2 means not verified in time period.
A special value of -3 means no open trades this type.
A special value of -4 means no trades on file.
A special value of -5 means cannot calculate (required data for calculation is missing).

Example: GET /listingsvc/v2/listings/?bc34s_max=575

g041s

The number of accounts 30 or more days past due the borrower has ever had.

This element maps to the TransUnion Credit Data g041s element.

The default value for this element is 0, with valid values of 0-999.

A special value of -4 means no trades on file.

Example: GET /listingsvc/v2/listings/?g041s_min=0&g041s_max=6

g093s

The number of public records the borrower has.

This element maps to the TransUnion Credit Data g093s element.

The default value for this element is 0, with valid values of 0-999.

This element returns no special values.

Example: GET /listingsvc/v2/listings/?g093s_min=0&g093s_max=2

g094s

The number of public record bankruptcies the borrower has.

This element maps to the TransUnion Credit Data g094s element.

The default value for this element is 0, with valid values of 0-999.

A special value of -4 means no trades on file.

Example: GET /listingsvc/v2/listings/?g094s_min=0&g094s_max=1

g095s

The amount of months since the most recent public record for the borrower.

This element maps to the TransUnion Credit Data g095s element.

The default value for this element is 0, with valid values of 0-999.

A special value of -4 means no trades on file.

Example: GET /listingsvc/v2/listings/?g095s_min=0&g095s_max=6

g099s

Number of public record bankruptcies in past 24 months for the borrower.

This element maps to the TransUnion Credit Data g099s element.

The default value for this element is 0, with valid values of 0-999.

A special value of -1 means no trades of this type.
A special value of -4 means no trades on file.

Example: GET /listingsvc/v2/listings/?g099s_min=0&g099s_max=2

g102s

The amount of months since the most recent inquiry for the borrower.

This element maps to the TransUnion Credit Data g102s element.

The default value for this element is 0, with valid values of 0-999.

A special value of -4 means no trades on file.

Example: GET /listingsvc/v2/listings/?g102s_min=0&g102s_max=6

g218b

Number of trades verified in the past 12 months that are currently 30 days or more past due for the borrower.

This element maps to the TransUnion Credit Data g218b element.

The default value for this element is 0, with valid values of 0-999.

A special value of -2 means not verified in time period.
A special value of -4 means no trades on file.

Example: GET /listingsvc/v2/listings/?g218b_min=0&g218b_max=4

g980s

The number of deduped inquiries in the past 6 months for the borrower.

This element maps to the TransUnion Credit Data g980s element.

The default value for this element is 0, with valid values of 0-999.

A special value of -4 means no trades on file.

Example: GET /listingsvc/v2/listings/?g980s_min=0&g980s_max=4

re20s

Number of months since oldest revolving trade opened for the borrower.

This element maps to the TransUnion Credit Data re20s element.

The default value for this element is 0, with valid values of 0-999.

A special value of -1 means no trades of this type.
A special value of -4 means no trades on file.
A special value of -5 means cannot calculate (required data for calculation is missing).

Example: GET /listingsvc/v2/listings/?g980s_min=240

s207s

The number of months since the most recent public record bankruptcy for the borrower.

This element maps to the TransUnion Credit Data s207s element.

The default value for this element is 0, with valid values of 0-999.

A special value of -1 means no trades of this type.
A special value of -4 means no trades on file.

Example: GET /listingsvc/v2/listings/?s207s_min=0&s207s_max=36

re33s

Total balance in USD of open revolving trades verified in the past 12 months for the borrower.

This element maps to the TransUnion Credit Data re33s element.

The default value for this element is 0, with valid values of 0-999999999.

A special value of -1 means no trades of this type.
A special value of -2 means not verified in time period.
A special value of -3 means no open trades this type.
A special value of -4 means no trades on file.
A special value of -5 means cannot calculate (required data for calculation is missing).

Example: GET /listingsvc/v2/listings/?re33s_min=5000&re33s_max=20000

re101s

Total balance of all revolving trades verified in past 12 months for the borrower.

This element maps to the TransUnion Credit Data re101s element.

The default value for this element is 0, with valid values of 0-999999999.

A special value of -1 means no trades of this type.
A special value of -2 means not verified in time period.
A special value of -4 means no trades on file.
A special value of -5 means cannot calculate (required data for calculation is missing).

Example: GET /listingsvc/v2/listings/?re101s_min=5000&re101s_max=20000