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
responsible
146 157
within
135
158
funded
277 158
willing
311
159
candidate
46 159
during
143
160
everything
114 160
should
126
161
position
161 161
position
161
162
without
147 162
reason
149
163
rates
208 163
taxes
118
164
minimum
254 164
provide
191
165
sales
184 165
couple
166
166
couple
165 166
already
139
167
behind
87 167
helping
201
168
place
144 168
catch
380
169
improve
148 169
higher
138
170
chance
79 170
believe
182
171
ratio
253 171
salary
125
172
child
132 172
found
183
173
repay
151 173
taken
196
174
delinquencies
375 174
become
203
175
continue
191 175
father
252
176
group
321 176
process
179
177
estate
187 177
finances
200
178
capital
229 178
advance
192
179
process
176 179
appreciate
205
180
information
252 180
property
140
181
service
206 181
financially
237
182
believe
170 182
stable
188
183
found
172 183
cover
154
184
water
227 184
sales
165
185
degree
188 185
starting
212
186
funding
221 186
increase
147
187
asking
150 187
estate
177
188
stable
182 188
degree
185
189
person
121 189
requesting
197
190
short
230 190
promise
210
191
provide
164 191
continue
175
192
advance
178 192
weeks
202
193
track
109 193
including
150
194
early
289 194
lenders
123
195
costs
276 195
vehicle
224
196
taken
173 196
receive
198
197
requesting
189 197
bring
239
198
receive
196 198
additional
134
199
towards
231 199
moved
211
200
finances
177 200
times
263
201
helping
167 201
parents
226
202
weeks
192 202
caught
412
203
become
174 203
health
233
204
divorce
149 204
questions
121
205
appreciate
179 205
finally
245
206
approximately
305 206
service
181
207
needs
153 207
check
209
208
problems
154 208
rates
163
209
check
207 209
build
227
210
promise
190 210
afford
315
211
moved
199 211
repair
282
212
starting
185 212
possible
217
213
close
242 213
payoff
221
214
remaining
331 214
steady
279
215
above
273 215
under
223
216
below
357 216
consider
255
217
possible
212 217
learned
254
218
employer
259 218
mistakes
370
219
market
241 219
hours
272
220
large
246 220
truck
287
221
payoff
213 221
funding
186
222
balances
360 222
lender
145
223
under
215 223
others
258
224
vehicle
195 224
raise
228
225
excellent
306 225
hospital
293
226
parents
201 226
unfortunately
248
227
build
209 227
water
184
228
raise
224 228
everyone
235
229
rental
368 229
capital
178
230
community
308 230
short
190
231
decided
245 231
towards
199
232
listed
314 232
anything
289
233
health
203 233
employment
236
234
finance
296 234
prove
344
235
everyone
228 235
investment
144
236
employment
233 236
major
275
237
financially
181 237
tried
385
238
previous
323 238
rebuild
383
239
bring
197 239
borrow
244
240
items
244 240
repairs
304
241
between
256 241
market
219
242
store
266 242
close
213
243
average
332 243
together
300
244
borrow
239 244
items
240
245
finally
205 245
decided
231
246
gross
411 246
large
220
247
forward
257 247
something
356
248
unfortunately
226 248
education
308
249
included
312 249
bless
432
250
computer
295 250
career
261
251
summer
315 251
anyone
422
252
father
175 252
information
180
253
available
344 253
ratio
171
254
learned
217 254
minimum
164
255
consider
216 255
honest
406
256
delinquent
303 256
between
241
257
return
286 257
forward
247
258
others
223 258
point
331
259
equity
369 259
employer
218
260
university
322 260
local
280
261
career
250 261
greatly
400
262
works
300 262
ahead
424
263
times
200 263
though
284
264
groceries
361 264
industry
265
265
industry
264 265
surgery
410
266
rather
396 266
store
242
267
public
418 267
begin
281
268
considering
348 268
companies
270
269
experience
329 269
equipment
301
270
companies
268 270
paycheck
346
271
moving
278 271
thing
378
272
hours
219 272
security
316
273
repayment
356 273
above
215
274
following
324 274
dollars
299
275
major
236 275
assistance
405
276
manager
320 276
costs
195
277
addition
362 277
funded
158
278
contact
374 278
moving
271
279
steady
214 279
clean
430
280
local
260 280
coming
354
281
begin
267 281
building
283
282
repair
211 282
received
288
283
building
281 283
fresh
629
284
though
263 284
dream
421
285
priority
294 285
marketing
302
286
least
290 286
return
257
287
truck
220 287
apartment
312
288
received
282 288
secure
314
289
anything
232 289
early
194
290
office
291 290
least
286
291
think
299 291
office
290
292
record
465 292
outstanding
353
293
hospital
225 293
hoping
382
294
graduate
354 294
priority
285
295
purchased
371 295
computer
250
296
electric
366 296
finance
234
297
professional
373 297
although
305
298
lending
536 298
clear
387
299
dollars
274 299
think
291
300
together
243 300
works
262
301
equipment
269 301
young
342
302
marketing
285 302
seeking
306
303
profit
351 303
delinquent
256
304
repairs
240 304
issues
333
305
although
297 305
approximately
206
306
seeking
302 306
excellent
225
307
includes
401 307
important
341
308
education
248 308
community
230
309
someone
126 309
program
348
310
quickly
392 310
leave
345
311
willing
158 311
given
416
312
apartment
287 312
included
249
313
based
338 313
unable
482
314
secure
288 314
listed
232
315
afford
210 315
summer
251
316
security
272 316
along
371
317
details
417 317
finish
360
318
email
330 318
caused
403
319
happy
372 319
instead
327
320
wedding
345 320
manager
276
321
emergency
388 321
group
176
322
services
339 322
university
260
323
fully
477 323
previous
238
324
bought
365 324
following
274
325
revolving
587 325
cannot
484
326
include
405 326
worker
731
327
instead
319 327
understand
396
328
actually
391 328
consolidation
441
329
management
333 329
experience
269
330
viewing
355 330
email
318
331
point
258 331
remaining
214
332
invest
451 332
average
243
333
issues
304 333
management
329
334
saving
352 334
complete
335
335
complete
334 335
difficult
429
336
scores
367 336
obtain
428
337
means
346 337
creditors
472
338
missed
450 338
based
313
339
website
381 339
services
322
340
owner
343 340
tuition
358
341
important
307 341
wonderful
366
342
young
301 342
disability
511
343
expense
427 343
owner
340
344
prove
234 344
available
253
345
leave
310 345
wedding
320
346
paycheck
270 346
means
337
347
thought
347 347
thought
347
348
program
309 348
considering
268
349
closing
389 349
longer
399
350
obligations
370 350
change
417
351
recent
385 351
profit
303
352
shows
496 352
saving
334
353
outstanding
292 353
ready
384
354
coming
280 354
graduate
294
355
project
463 355
viewing
330
356
something
247 356
repayment
273
357
easily
480 357
below
216
358
tuition
340 358
rebuilding
388
359
mistake
404 359
successful
368
360
finish
317 360
balances
222
361
annual
542 361
groceries
264
362
period
394 362
addition
277
363
makes
376 363
different
463
364
intend
553 364
realize
404
365
positive
403 365
bought
324
366
wonderful
341 366
electric
296
367
refinance
430 367
scores
336
368
successful
359 368
rental
229
369
further
408 369
equity
259
370
mistakes
218 370
obligations
350
371
along
316 371
purchased
295
372
approx
414 372
happy
319
373
automatically
395 373
professional
297
374
prior
422 374
contact
278
375
grade
538 375
delinquencies
174
376
quite
440 376
makes
363
377
field
387 377
stress
546
378
thing
271 378
gotten
587
379
wanted
407 379
world
439
380
catch
168 380
selling
401
381
number
412 381
website
339
382
hoping
293 382
military
526
383
rebuild
238 383
became
512
384
ready
353 384
appreciated
543
385
tried
237 385
recent
351
386
value
498 386
offer
391
387
clear
298 387
field
377
388
rebuilding
358 388
emergency
321
389
explanation
616 389
closing
349
390
inventory
439 390
lives
494
391
offer
386 391
actually
328
392
bonus
652 392
quickly
310
393
extremely
469 393
expand
460
394
completely
476 394
period
362
395
ability
438 395
automatically
373
396
understand
327 396
rather
266
397
retirement
426 397
establish
509
398
graduated
493 398
friends
436
399
longer
349 399
hopefully
420
400
greatly
261 400
heart
772
401
selling
380 401
includes
307
402
profile
544 402
comes
440
403
caused
318 403
positive
365
404
realize
364 404
mistake
359
405
assistance
275 405
include
326
406
honest
255 406
control
569
407
fiance
436 407
wanted
379
408
result
429 408
further
369
409
combined
556 409
deposit
475
410
surgery
265 410
checking
446
411
borrowing
779 411
gross
246
412
caught
202 412
number
381
413
spend
473 413
reading
464
414
fixed
464 414
approx
372
415
borrower
789 415
divorced
599
416
given
311 416
friend
452
417
change
350 417
details
317
418
emergencies
454 418
public
267
419
contract
432 419
online
450
420
hopefully
399 420
course
447
421
dream
284 421
lived
443
422
anyone
251 422
prior
374
423
america
631 423
august
453
424
ahead
262 424
direct
505
425
system
472 425
filed
433
426
worth
449 426
retirement
397
427
pretty
443 427
expense
343
428
obtain
336 428
clients
479
429
difficult
335 429
result
408
430
clean
279 430
refinance
367
431
experian
687 431
happen
596
432
bless
249 432
contract
419
433
filed
425 433
accident
656
434
deductions
660 434
therefore
462
435
collection
514 435
nothing
520
436
friends
398 436
fiance
407
437
closed
551 437
advertising
445
438
limit
575 438
ability
395
439
world
379 439
inventory
390
440
comes
402 440
quite
376
441
consolidation
328 441
standing
507
442
leaves
588 442
takes
584
443
lived
421 443
pretty
427
444
potential
461 444
goals
468
445
advertising
437 445
running
557
446
checking
410 446
social
617
447
course
420 447
giving
542
448
january
470 448
buying
461
449
expect
648 449
worth
426
450
online
419 450
missed
338
451
follows
606 451
invest
332
452
friend
416 452
overtime
466
453
august
423 453
parent
792
454
reduce
490 454
emergencies
418
455
california
607 455
sincerely
499
456
growing
460 456
assist
602
457
charge
591 457
reliable
600
458
member
500 458
normal
490
459
private
504 459
timely
478
460
expand
393 460
growing
456
461
buying
448 461
potential
444
462
therefore
434 462
beautiful
514
463
different
363 463
project
355
464
reading
413 464
fixed
414
465
software
707 465
record
292
466
overtime
452 466
enjoy
467
467
enjoy
466 467
turned
620
468
goals
444 468
later
470
469
teacher
475 469
extremely
393
470
later
468 470
january
448
471
spent
486 471
cancer
814
472
creditors
337 472
system
425
473
investing
738 473
spend
413
474
toward
530 474
unexpected
476
475
deposit
409 475
teacher
469
476
unexpected
474 476
completely
394
477
properties
508 477
fully
323
478
timely
459 478
christmas
769
479
clients
428 479
decent
563
480
planning
572 480
easily
357
481
nearly
645 481
marriage
581
482
unable
313 482
helped
642
483
members
580 483
easier
703
484
cannot
325 484
decisions
660
485
answer
664 485
trouble
607
486
american
535 486
spent
471
487
eliminate
489 487
daughters
679
488
march
528 488
product
540
489
payroll
531 489
eliminate
487
490
normal
458 490
reduce
454
491
chase
903 491
spouse
523
492
dental
501 492
necessary
535
493
spending
596 493
graduated
398
494
lives
390 494
florida
665
495
active
569 495
woman
688
496
lines
692 496
shows
352
497
april
541 497
ended
538
498
december
499 498
value
386
499
sincerely
455 499
december
498
500
solid
600 500
member
458
501
strong
521 501
dental
492
502
lease
519 502
september
519
503
delinquency
1002 503
approved
610
504
construction
593 504
private
459
505
direct
424 505
trust
594
506
department
584 506
owned
513
507
standing
441 507
doesn
576
508
retail
524 508
properties
477
509
establish
397 509
weekly
627
510
texas
654 510
alone
603
511
disability
342 511
success
544
512
became
383 512
present
534
513
owned
506 513
daycare
595
514
beautiful
462 514
collection
435
515
electricity
621 515
government
661
516
investments
947 516
customers
609
517
perfect
550 517
truly
654
518
training
555 518
transportation
641
519
september
502 519
lease
502
520
nothing
435 520
beginning
560
521
bidding
999 521
strong
501
522
showing
615 522
matter
692
523
spouse
491 523
classes
566
524
leaving
532 524
retail
508
525
requested
627 525
lesson
549
526
military
382 526
october
556
527
loaned
647 527
incurred
611
528
level
529 528
march
488
529
price
611 529
level
528
530
operating
601 530
toward
474
531
partner
609 531
payroll
489
532
review
729 532
leaving
524
533
collections
602 533
seems
681
534
present
512 534
began
586
535
necessary
492 535
american
486
536
regular
545 536
lending
298
537
eventually
560 537
books
588
538
ended
497 538
grade
375
539
leader
1283 539
products
591
540
product
488 540
required
547
541
revenue
708 541
april
497
542
giving
447 542
annual
361
543
appreciated
384 543
determined
666
544
success
511 544
profile
402
545
except
595 545
regular
536
546
stress
377 546
receiving
567
547
required
540 547
called
552
548
development
715 548
existing
592
549
lesson
525 549
doctor
796
550
teaching
636 550
perfect
517
551
portion
717 551
closed
437
552
called
547 552
established
565
553
smaller
567 553
intend
364
554
reasons
577 554
supplies
578
555
furniture
557 555
training
518
556
october
526 556
combined
409
557
running
445 557
furniture
555
558
employee
573 558
negative
573
559
improving
633 559
directly
668
560
beginning
520 560
eventually
537
561
today
568 561
break
680
562
increased
711 562
putting
570
563
decent
479 563
sister
810
564
homes
579 564
forced
667
565
established
552 565
keeping
636
566
classes
523 566
maintain
638
567
receiving
546 567
smaller
553
568
immediately
737 568
today
561
569
control
406 569
active
495
570
putting
562 570
purchasing
601
571
travel
574 571
disabled
1055
572
financing
634 572
planning
480
573
negative
558 573
employee
558
574
interested
651 574
travel
571
575
union
685 575
limit
438
576
doesn
507 576
benefits
676
577
share
640 577
reasons
554
578
supplies
554 578
individual
655
579
usually
714 579
homes
564
580
agency
592 580
members
483
581
marriage
481 581
passed
801
582
sources
697 582
handle
614
583
opened
658 583
legal
624
584
takes
442 584
department
506
585
might
619 585
serious
767
586
began
534 586
struggling
945
587
gotten
378 587
revolving
325
588
books
537 588
leaves
442
589
highest
734 589
repaying
608
590
manage
594 590
girls
838
591
products
539 591
charge
457
592
existing
548 592
agency
580
593
completed
650 593
construction
504
594
trust
505 594
manage
590
595
daycare
513 595
except
545
596
happen
431 596
spending
493
597
proceeds
821 597
retired
765
598
commission
623 598
church
806
599
divorced
415 599
brother
662
600
reliable
457 600
solid
500
601
purchasing
570 601
operating
530
602
assist
456 602
collections
533
603
alone
510 603
banks
615
604
larger
713 604
fallen
1344
605
sooner
644 605
consolidating
626
606
replace
682 606
follows
451
607
trouble
485 607
california
455
608
repaying
589 608
drive
652
609
customers
516 609
partner
531
610
approved
503 610
assistant
633
611
incurred
527 611
price
529
612
either
689 612
basis
657
613
saved
721 613
nursing
899
614
handle
582 614
status
645
615
banks
603 615
showing
522
616
space
780 616
explanation
389
617
social
446 617
attorney
635
618
maintenance
835 618
allowed
690
619
final
703 619
might
585
620
turned
467 620
applied
644
621
faster
710 621
electricity
515
622
growth
762 622
sometimes
804
623
general
744 623
commission
598
624
legal
583 624
plans
632
625
design
726 625
court
834
626
consolidating
605 626
worry
871
627
weekly
509 627
requested
525
628
simply
668 628
whole
684
629
fresh
283 629
center
637
630
covered
673 630
license
686
631
related
858 631
america
423
632
plans
624 632
focus
713
633
assistant
610 633
improving
559
634
charges
706 634
financing
572
635
attorney
617 635
cleaning
773
636
keeping
565 636
teaching
550
637
center
629 637
faith
963
638
maintain
566 638
story
701
639
built
722 639
knows
677
640
customer
656 640
share
577
641
transportation
518 641
involved
643
642
helped
482 642
husbands
819
643
involved
641 643
november
691
644
applied
620 644
sooner
605
645
status
614 645
nearly
481
646
issue
701 646
becoming
682
647
probably
810 647
loaned
527
648
assets
1104 648