The Top 1000 Words in the Description of Funded Listings vs. Non-Funded Listings
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
|
2 | 1 |
expenses
|
2 | |
| 2 |
expenses
|
1 | 2 |
credit
|
1 | |
| 3 |
income
|
5 | 3 |
other
|
8 | |
| 4 |
monthly
|
4 | 4 |
monthly
|
4 | |
| 5 |
years
|
10 | 5 |
income
|
3 | |
| 6 |
prosper
|
29 | 6 |
cards
|
7 | |
| 7 |
cards
|
6 | 7 |
loans
|
11 | |
| 8 |
other
|
3 | 8 |
would
|
10 | |
| 9 |
month
|
19 | 9 |
financial
|
13 | |
| 10 |
would
|
8 | 10 |
years
|
5 | |
| 11 |
loans
|
7 | 11 |
insurance
|
16 | |
| 12 |
payment
|
27 | 12 |
situation
|
23 | |
| 13 |
financial
|
9 | 13 |
bills
|
20 | |
| 14 |
payments
|
28 | 14 |
purpose
|
26 | |
| 15 |
money
|
20 | 15 |
internet
|
27 | |
| 16 |
insurance
|
11 | 16 |
phone
|
24 | |
| 17 |
business
|
24 | 17 |
cable
|
31 | |
| 18 |
interest
|
33 | 18 |
household
|
33 | |
| 19 |
about
|
34 | 19 |
month
|
9 | |
| 20 |
bills
|
13 | 20 |
money
|
15 | |
| 21 |
which
|
30 | 21 |
entertainment
|
37 | |
| 22 |
paying
|
23 | 22 |
utilities
|
29 | |
| 23 |
situation
|
12 | 23 |
paying
|
22 | |
| 24 |
phone
|
16 | 24 |
business
|
17 | |
| 25 |
thank
|
32 | 25 |
clothing
|
41 | |
| 26 |
purpose
|
14 | 26 |
housing
|
42 | |
| 27 |
internet
|
15 | 27 |
payment
|
12 | |
| 28 |
after
|
38 | 28 |
payments
|
14 | |
| 29 |
utilities
|
22 | 29 |
prosper
|
6 | |
| 30 |
because
|
31 | 30 |
which
|
21 | |
| 31 |
cable
|
17 | 31 |
because
|
30 | |
| 32 |
total
|
48 | 32 |
thank
|
25 | |
| 33 |
household
|
18 | 33 |
interest
|
18 | |
| 34 |
currently
|
40 | 34 |
about
|
19 | |
| 35 |
current
|
50 | 35 |
explain
|
124 | |
| 36 |
working
|
36 | 36 |
working
|
36 | |
| 37 |
entertainment
|
21 | 37 |
family
|
49 | |
| 38 |
months
|
44 | 38 |
after
|
28 | |
| 39 |
company
|
43 | 39 |
trying
|
75 | |
| 40 |
since
|
49 | 40 |
currently
|
34 | |
| 41 |
clothing
|
25 | 41 |
start
|
56 | |
| 42 |
housing
|
26 | 42 |
using
|
88 | |
| 43 |
mortgage
|
54 | 43 |
company
|
39 | |
| 44 |
score
|
56 | 44 |
months
|
38 | |
| 45 |
first
|
60 | 45 |
please
|
53 | |
| 46 |
listing
|
90 | 46 |
candidate
|
159 | |
| 47 |
school
|
47 | 47 |
school
|
47 | |
| 48 |
house
|
51 | 48 |
total
|
32 | |
| 49 |
family
|
37 | 49 |
since
|
40 | |
| 50 |
these
|
57 | 50 |
current
|
35 | |
| 51 |
there
|
52 | 51 |
house
|
48 | |
| 52 |
amount
|
75 | 52 |
there
|
51 | |
| 53 |
please
|
45 | 53 |
husband
|
55 | |
| 54 |
never
|
72 | 54 |
mortgage
|
43 | |
| 55 |
husband
|
53 | 55 |
myself
|
58 | |
| 56 |
start
|
41 | 56 |
score
|
44 | |
| 57 |
looking
|
58 | 57 |
these
|
50 | |
| 58 |
myself
|
55 | 58 |
looking
|
57 | |
| 59 |
account
|
92 | 59 |
medical
|
70 | |
| 60 |
through
|
68 | 60 |
first
|
45 | |
| 61 |
balance
|
137 | 61 |
little
|
62 | |
| 62 |
little
|
61 | 62 |
children
|
94 | |
| 63 |
going
|
65 | 63 |
getting
|
78 | |
| 64 |
college
|
70 | 64 |
really
|
90 | |
| 65 |
every
|
69 | 65 |
going
|
63 | |
| 66 |
thanks
|
97 | 66 |
could
|
79 | |
| 67 |
great
|
76 | 67 |
debts
|
80 | |
| 68 |
before
|
81 | 68 |
through
|
60 | |
| 69 |
budget
|
86 | 69 |
every
|
65 | |
| 70 |
medical
|
59 | 70 |
college
|
64 | |
| 71 |
again
|
73 | 71 |
better
|
93 | |
| 72 |
being
|
74 | 72 |
never
|
54 | |
| 73 |
payday
|
77 | 73 |
again
|
71 | |
| 74 |
report
|
101 | 74 |
being
|
72 | |
| 75 |
trying
|
39 | 75 |
amount
|
52 | |
| 76 |
making
|
82 | 76 |
great
|
67 | |
| 77 |
small
|
80 | 77 |
payday
|
73 | |
| 78 |
getting
|
63 | 78 |
things
|
112 | |
| 79 |
could
|
66 | 79 |
chance
|
170 | |
| 80 |
debts
|
67 | 80 |
small
|
77 | |
| 81 |
student
|
107 | 81 |
before
|
68 | |
| 82 |
savings
|
140 | 82 |
making
|
76 | |
| 83 |
recently
|
84 | 83 |
consolidate
|
95 | |
| 84 |
accounts
|
110 | 84 |
recently
|
83 | |
| 85 |
rating
|
113 | 85 |
right
|
110 | |
| 86 |
while
|
103 | 86 |
budget
|
69 | |
| 87 |
personal
|
104 | 87 |
behind
|
167 | |
| 88 |
using
|
42 | 88 |
always
|
92 | |
| 89 |
still
|
91 | 89 |
mother
|
156 | |
| 90 |
really
|
64 | 90 |
listing
|
46 | |
| 91 |
taking
|
105 | 91 |
still
|
89 | |
| 92 |
always
|
88 | 92 |
account
|
59 | |
| 93 |
better
|
71 | 93 |
where
|
100 | |
| 94 |
children
|
62 | 94 |
enough
|
99 | |
| 95 |
consolidate
|
83 | 95 |
started
|
105 | |
| 96 |
request
|
143 | 96 |
daughter
|
136 | |
| 97 |
consideration
|
128 | 97 |
thanks
|
66 | |
| 98 |
three
|
100 | 98 |
people
|
102 | |
| 99 |
enough
|
94 | 99 |
until
|
101 | |
| 100 |
where
|
93 | 100 |
three
|
98 | |
| 101 |
until
|
99 | 101 |
report
|
74 | |
| 102 |
people
|
98 | 102 |
purchase
|
107 | |
| 103 |
worked
|
111 | 103 |
while
|
86 | |
| 104 |
funds
|
129 | 104 |
personal
|
87 | |
| 105 |
started
|
95 | 105 |
taking
|
91 | |
| 106 |
their
|
108 | 106 |
single
|
152 | |
| 107 |
purchase
|
102 | 107 |
student
|
81 | |
| 108 |
hello
|
119 | 108 |
their
|
106 | |
| 109 |
married
|
116 | 109 |
track
|
193 | |
| 110 |
right
|
85 | 110 |
accounts
|
84 | |
| 111 |
lower
|
155 | 111 |
worked
|
103 | |
| 112 |
things
|
78 | 112 |
living
|
120 | |
| 113 |
history
|
152 | 113 |
rating
|
85 | |
| 114 |
employed
|
125 | 114 |
everything
|
160 | |
| 115 |
future
|
117 | 115 |
having
|
129 | |
| 116 |
however
|
124 | 116 |
married
|
109 | |
| 117 |
those
|
142 | 117 |
future
|
115 | |
| 118 |
taxes
|
163 | 118 |
deleted
|
142 | |
| 119 |
extra
|
133 | 119 |
hello
|
108 | |
| 120 |
living
|
112 | 120 |
several
|
122 | |
| 121 |
questions
|
204 | 121 |
person
|
189 | |
| 122 |
several
|
120 | 122 |
state
|
131 | |
| 123 |
lenders
|
194 | 123 |
order
|
133 | |
| 124 |
explain
|
35 | 124 |
however
|
116 | |
| 125 |
salary
|
171 | 125 |
employed
|
114 | |
| 126 |
should
|
160 | 126 |
someone
|
309 | |
| 127 |
another
|
127 | 127 |
another
|
127 | |
| 128 |
around
|
136 | 128 |
consideration
|
97 | |
| 129 |
having
|
115 | 129 |
funds
|
104 | |
| 130 |
support
|
131 | 130 |
doing
|
148 | |
| 131 |
state
|
122 | 131 |
support
|
130 | |
| 132 |
bankruptcy
|
145 | 132 |
child
|
172 | |
| 133 |
order
|
123 | 133 |
extra
|
119 | |
| 134 |
additional
|
198 | 134 |
needed
|
155 | |
| 135 |
within
|
157 | 135 |
second
|
151 | |
| 136 |
daughter
|
96 | 136 |
around
|
128 | |
| 137 |
opportunity
|
138 | 137 |
balance
|
61 | |
| 138 |
higher
|
169 | 138 |
opportunity
|
137 | |
| 139 |
already
|
166 | 139 |
problem
|
141 | |
| 140 |
property
|
180 | 140 |
savings
|
82 | |
| 141 |
problem
|
139 | 141 |
allow
|
153 | |
| 142 |
deleted
|
118 | 142 |
those
|
117 | |
| 143 |
during
|
159 | 143 |
request
|
96 | |
| 144 |
investment
|
235 | 144 |
place
|
168 | |
| 145 |
lender
|
222 | 145 |
bankruptcy
|
132 | |
| 146 |
almost
|
156 | 146 |
responsible
|
157 | |
| 147 |
increase
|
186 | 147 |
without
|
162 | |
| 148 |
doing
|
130 | 148 |
improve
|
169 | |
| 149 |
reason
|
162 | 149 |
divorce
|
204 | |
| 150 |
including
|
193 | 150 |
asking
|
187 | |
| 151 |
second
|
135 | 151 |
repay
|
173 | |
| 152 |
single
|
106 | 152 |
history
|
113 | |
| 153 |
allow
|
141 | 153 |
needs
|
207 | |
| 154 |
cover
|
183 | 154 |
problems
|
208 | |
| 155 |
needed
|
134 | 155 |
lower
|
111 | |
| 156 |
mother
|
89 | 156 |
almost
|
146 | |
| 157 |