Real ChatGPT answer · index seedSLpEr4ZGWMwcompleteFinance and banking · personal loansinformational
What underwriting criteria do peer-to-peer platforms like Prosper use when evaluating borrowers with fluctuating self-employed income for personal loans?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What underwriting criteria do peer-to-peer platforms like Prosper use when evaluating borrowers with fluctuating self-employed income for personal loans?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
Prosper personal loan underwriting self-employed income documentation tax returns bank statements debt-to-income credit score official Google ↗
Prosper borrower eligibility income verification self-employed borrowers underwriting criteria Google ↗
- Marketplace Participants, Registration Requirements and Minimum Credit Criteria · prosper.com
- a combination of factors, including, but not limited to, amount of loan requested, Prosper Rating, debt-to-income ratio and stated income. If we identify inaccurate information in a listing that does not trigger cancellation of the listing, we do not update the listing to include the corrected information. Listings do not disclose the identity of applicants, and investors have no ability to obtain or verify applicant information either before or after they purchase a Note. If an applicant suppli · prosper.com
- CHAPTER 4: BORROWER ELIGIBILITY · rd.usda.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Prosper personal loan underwriting self-employed income documentation tax returns bank statements debt-to-income credit score official OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
Prosper borrower eligibility income verification self-employed borrowers underwriting criteria OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |