Top 1000 5-letter Words in the Description of Funded Listings vs. Non-Funded Listings

The Top 1000 Words in the Description of Funded Listings vs. Non-Funded Listings

Published by knix on November 6, 2007 01:51 am under prosper

I thought it would be interesting to take a look at the word choice in the Description of funded vs. non-funded listings to see if there is anything significant. It could possibly reveal trigger words that appeal to lenders (or repulse them). To obtain this word ranking, I queried all the completed and expired listings from 2/1/06 to 11/2/07 and counted the number of times each word appears. Words that were less than 5 characters were filtered out so that we can see some more interesting results.

To see the counts, just hover over the word with your mouse and the counts will be displayed for both types of listings in that rank. They were hidden to avoid clutter but I know some of you may be curious anyway. The non-funded word counts will always be higher (roughly 4X) so that is why I chose to order them by rank so we can make a comparison.

To display the top 1000 word rankings, 2 tables were created side-by-side for easy comparison. The table on the right contains the word rankings for the funded listings with the right column being the ranking of that particular word in the non-funded listings. The table on the left contains the word rankings for the non-funded listings with the right column being the ranking of that particular word in the funded listings.

To assist in spotting any significant differences in rankings, the words have been color-coded:

Blue - The Rankings of these words are >1.5X to 2.0X that of the same word in the complementary table. For example, the word payments ranks 14th in the Funded listings but 28th in the Non-Funded listings.
Green - The Rankings of these words are >2.0X to 2.5X that of the same word in the complementary table.
Orange - The Rankings of these words are >2.5X to 3.0X that of the same word in the complementary table.
Red - The Rankings of these words are >3.0X that of the same word in the complementary table.

Word Rank - Funded	Word	Word Rank in Non-Funded Rankings	Word Rank - Non-Funded	Word	Word Rank in Funded Rankings
1	credit 81168	2	1	expenses 408482	2
2	expenses 54822	1	2	credit 382194	1
3	income 37056	5	3	other 208697	8
4	monthly 35404	4	4	monthly 189053	4
5	years 30630	10	5	income 173745	3
6	prosper 28552	29	6	cards 162508	7
7	cards 27994	6	7	loans 140720	11
8	other 27126	3	8	would 136036	10
9	month 24836	19	9	financial 133930	13
10	would 24716	8	10	years 131679	5
11	loans 22704	7	11	insurance 114840	16
12	payment 20636	27	12	situation 114502	23
13	financial 19030	9	13	bills 108748	20
14	payments 18976	28	14	purpose 103196	26
15	money 18942	20	15	internet 100134	27
16	insurance 18089	11	16	phone 99906	24
17	business 17906	24	17	cable 97216	31
18	interest 17554	33	18	household 96498	33
19	about 16264	34	19	month 93552	9
20	bills 16216	13	20	money 93354	15
21	which 15758	30	21	entertainment 92160	37
22	paying 15214	23	22	utilities 92064	29
23	situation 14430	12	23	paying 91899	22
24	phone 14118	16	24	business 83473	17
25	thank 13890	32	25	clothing 82172	41
26	purpose 12818	14	26	housing 81628	42
27	internet 12750	15	27	payment 81541	12
28	after 12602	38	28	payments 80157	14
29	utilities 12044	22	29	prosper 69178	6
30	because 11982	31	30	which 68306	21
31	cable 11974	17	31	because 68262	30
32	total 11762	48	32	thank 62294	25
33	household 11620	18	33	interest 61376	18
34	currently 10864	40	34	about 60748	19
35	current 10718	50	35	explain 60082	124
36	working 10708	36	36	working 57500	36
37	entertainment 10696	21	37	family 47274	49
38	months 10270	44	38	after 46779	28
39	company 10077	43	39	trying 45172	75
40	since 9428	49	40	currently 44274	34
41	clothing 8932	25	41	start 44202	56
42	housing 8922	26	42	using 44110	88
43	mortgage 8764	54	43	company 43278	39
44	score 8160	56	44	months 42436	38
45	first 8092	60	45	please 41986	53
46	listing 8048	90	46	candidate 41244	159
47	school 8014	47	47	school 40330	47
48	house 7946	51	48	total 39518	32
49	family 7894	37	49	since 38782	40
50	these 7522	57	50	current 37964	35
51	there 7440	52	51	house 37708	48
52	amount 7396	75	52	there 37658	51
53	please 7320	45	53	husband 37630	55
54	never 7128	72	54	mortgage 37239	43
55	husband 7112	53	55	myself 36280	58
56	start 6832	41	56	score 35859	44
57	looking 6764	58	57	these 32158	50
58	myself 6604	55	58	looking 31528	57
59	account 6444	92	59	medical 30756	70
60	through 5988	68	60	first 30350	45
61	balance 5956	137	61	little 29932	62
62	little 5950	61	62	children 29878	94
63	going 5892	65	63	getting 29692	78
64	college 5794	70	64	really 29220	90
65	every 5784	69	65	going 29052	63
66	thanks 5781	97	66	could 28028	79
67	great 5776	76	67	debts 27770	80
68	before 5760	81	68	through 27488	60
69	budget 5686	86	69	every 27385	65
70	medical 5644	59	70	college 27120	64
71	again 5561	73	71	better 27058	93
72	being 5504	74	72	never 27010	54
73	payday 5450	77	73	again 26974	71
74	report 5422	101	74	being 26912	72
75	trying 5376	39	75	amount 26592	52
76	making 5376	82	76	great 26562	67
77	small 5336	80	77	payday 26100	73
78	getting 5240	63	78	things 26098	112
79	could 5222	66	79	chance 25574	170
80	debts 5182	67	80	small 25364	77
81	student 5058	107	81	before 24780	68
82	savings 5006	140	82	making 24636	76
83	recently 4934	84	83	consolidate 24162	95
84	accounts 4912	110	84	recently 24114	83
85	rating 4856	113	85	right 24100	110
86	while 4826	103	86	budget 23454	69
87	personal 4712	104	87	behind 22382	167
88	using 4682	42	88	always 22182	92
89	still 4636	91	89	mother 21835	156
90	really 4634	64	90	listing 21280	46
91	taking 4632	105	91	still 21142	89
92	always 4590	88	92	account 20928	59
93	better 4536	71	93	where 20754	100
94	children 4442	62	94	enough 20702	99
95	consolidate 4398	83	95	started 20268	105
96	request 4370	143	96	daughter 20204	136
97	consideration 4308	128	97	thanks 20063	66
98	three 4302	100	98	people 20048	102
99	enough 4236	94	99	until 19964	101
100	where 4136	93	100	three 19550	98
101	until 4106	99	101	report 19474	74
102	people 3984	98	102	purchase 19418	107
103	worked 3980	111	103	while 19396	86
104	funds 3972	129	104	personal 19140	87
105	started 3954	95	105	taking 18582	91
106	their 3942	108	106	single 18434	152
107	purchase 3932	102	107	student 18368	81
108	hello 3846	119	108	their 18334	106
109	married 3846	116	109	track 18010	193
110	right 3836	85	110	accounts 17860	84
111	lower 3812	155	111	worked 17792	103
112	things 3794	78	112	living 17772	120
113	history 3738	152	113	rating 17670	85
114	employed 3671	125	114	everything 17534	160
115	future 3626	117	115	having 17294	129
116	however 3618	124	116	married 17144	109
117	those 3603	142	117	future 17058	115
118	taxes 3584	163	118	deleted 16784	142
119	extra 3584	133	119	hello 16746	108
120	living 3582	112	120	several 16524	122
121	questions 3580	204	121	person 16360	189
122	several 3532	120	122	state 16332	131
123	lenders 3508	194	123	order 16279	133
124	explain 3448	35	124	however 16260	116
125	salary 3430	171	125	employed 16146	114
126	should 3408	160	126	someone 16076	309
127	another 3400	127	127	another 15886	127
128	around 3384	136	128	consideration 15873	97
129	having 3222	115	129	funds 15866	104
130	support 3218	131	130	doing 15348	148
131	state 3162	122	131	support 15267	130
132	bankruptcy 3152	145	132	child 15051	172
133	order 3138	123	133	extra 14926	119
134	additional 3092	198	134	needed 14770	155
135	within 3086	157	135	second 14645	151
136	daughter 3076	96	136	around 14588	128
137	opportunity 3056	138	137	balance 14542	61
138	higher 3036	169	138	opportunity 14512	137
139	already 3036	166	139	problem 14376	141
140	property 2984	180	140	savings 14180	82
141	problem 2960	139	141	allow 14090	153
142	deleted 2952	118	142	those 13938	117
143	during 2946	159	143	request 13801	96
144	investment 2942	235	144	place 13678	168
145	lender 2928	222	145	bankruptcy 13128	132
146	almost 2916	156	146	responsible 13054	157
147	increase 2906	186	147	without 12948	162
148	doing 2894	130	148	improve 12888	169
149	reason 2892	162	149	divorce 12848	204
150	including 2874	193	150	asking 12730	187
151	second 2860	135	151	repay 12728	173
152	single 2854	106	152	history 12698	113
153	allow 2828	141	153	needs 12524	207
154	cover 2821	183	154	problems 12506	208
155	needed 2818	134	155	lower 12466	111
156	mother 2810	89	156	almost 12441	146
157

Prosper Lending | Borrowing Tips

The Top 1000 Words in the Description of Funded Listings vs. Non-Funded Listings