Estimated return for December 2016 production is 6.45%; PMI7, Prosper’s underwriting model, was put in place late December, 2016; models are updated every 12 to 18 months; average FICO was higher than lows in 2015 and 2016 but is expected to decrease with an increase in lower grade loans as a result of the new credit risk model; prepayment rates increased and delinquency rates were lower; cumulative gross charge offs have increased but are expected to trend lower. Source
