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[zapp05]

3) How roughly is Prosper getting monthly from loan servicing?

ok, i'll take a crack at this with Eric's...  $20,000

* all loans before 2/12/2007 have .5% lender servicing fee
    - the 3 years is up on these, so there are no current loans.
    - $0.00

* B-HR loans after 2/12/2007 have 1% lender servicing fee
    - there is just over $37,000,000 in current loans
    - $370,000

* AA-A loans between 2/12/2007 & 10/30/2007 have .5% lender servicing fee
    - there is just over $4,000,000 in current loans
    - $20,000

* A loans after 10/30/2007 have 1% lender servicing fee
    - there is just over $10,000,000 in current loans
    - $100,000

* AA loans after 04/15/2008 have 1% lender servicing fee
    - there is just over $11,000,000 in current loans
    - $110,000

for a grand total of about $600,000 in lender servicing fees.
so, if we "roughly" break it up into an even 36 installments (a gross exageration due to decreasing principal, but whatever).
- let's round it up to $20,000 per month

did i even get close??

I see two errors here.  The biggest one is that the 1% or whatever servicing fee is annual, not life of the loan.  Thus, your $600K should be divided by 12, not by 36.  The second is that you appear to be missing some of the active loans -- Prosper's performance page lists $65.4M in active, <1 month late loans, while you only have $62M.  Of Prosper's $65.4M, if we subtract your $4M in .5% fee loans, that is $614K from the 1% fee loans, and another $20K in .5% fee loans, for a total of $634K per year.  That is about $53K per month.  Still crappy, but almost triple what you came up with.

oh well, i tried   :'(