Prosper Listing Word Analysis

Word analysis has gone in and out of vogue among Prosper lenders. Right now, it's in vogue here at Prosperous Land. The premise is that you can get hints about the quality of a listing based on words that appear in the listing description. I've been messing with it to try and get a statistically significant edge (proving it provides an edge, now there's a dicey proposition), but some interesting things pop out when you mess with the datasets enough.

I have used the 2602 repaid loans and 2387 defaulted, bankrupt, or 4+ month late loans for my number crunching, as of the April 1 dataset. For each word, I look at the ratio of appearances in good loans versus the appearances in bad loans to find those words that are good indicators of loan quality. The top ten good and bad ones that have appeared in at least 100 listings are below:

Word	Appeared In Good Loan	Appeared In Bad Loan
reinvest	95	10
aa	120	14
investments	104	16
lend	114	26
investing	82	27
lending	142	50
borrower	100	37
invest	124	48
side	120	50
investment	227	99
prove	44	144
catch	34	113
file	24	82
mother	78	270
establish	25	89
behind	67	241
lost	33	131
explanation	33	132
priority	27	119
payday	43	276