{
  "schema_version": 1,
  "dataset_version": "personal-loan-funded-cost@2026-09-05.collection.3",
  "status": "internal-pilot-not-for-publication",
  "checked_date": "2026-09-05",
  "protocol_version": "0.4",
  "records": [
    {
      "entity_record_id": "PL-ENTITY-PROSPER-20260905",
      "brand_name": "Prosper",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "Prosper Marketplace, Inc.",
      "creditor_entity": "WebBank",
      "creditor_rule": "WebBank originates all personal loans made through the Prosper marketplace in the reviewed sources.",
      "parent_entity": null,
      "servicer_entity": "Prosper Funding LLC and affiliates",
      "funding_channels": [
        "Note Channel",
        "Whole Loan Channel",
        "consolidated trusts"
      ],
      "source_ids": [
        "PL-SRC-PROSPER-PRODUCT-20260905",
        "PL-SRC-PROSPER-PROSPECTUS-20260430",
        "PL-SRC-PROSPER-Q1-2026"
      ],
      "limitations": [
        "Exact servicing entity can vary by agreement and asset transfer; expand during full legal-entity review."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-OPORTUN-20260905",
      "brand_name": "Oportun",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "Oportun, Inc.",
      "creditor_entity": "varies",
      "creditor_rule": "Oportun, Inc. originates in New Mexico and Wisconsin. In 39 other states listed on the checked product page, loans are originated by one or both of Pathward, N.A. and Column N.A.",
      "parent_entity": "Oportun Financial Corporation",
      "servicer_entity": "Oportun, Inc.",
      "funding_channels": [
        "owned portfolio",
        "bank partnership",
        "whole-loan sales",
        "securitization",
        "warehouse facilities"
      ],
      "source_ids": [
        "PL-SRC-OPORTUN-PRODUCT-20260905",
        "PL-SRC-OPORTUN-Q2-2026"
      ],
      "limitations": [
        "The consumer's creditor depends on state and program.",
        "The Column program was new as of June 30, 2026 and had no reported transactions at that date."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-UPSTART-20260905",
      "brand_name": "Upstart",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "Upstart Network, Inc.",
      "creditor_entity": "varies",
      "creditor_rule": "A regulated financial institution or licensed lending partner makes the loan; the specific creditor is disclosed with the offer and note.",
      "parent_entity": "Upstart Holdings, Inc.",
      "servicer_entity": "Upstart Network, Inc. or varies",
      "funding_channels": [
        "lending-partner retention",
        "institutional whole-loan purchase",
        "securitization",
        "Upstart balance sheet"
      ],
      "source_ids": [
        "PL-SRC-UPSTART-PRODUCT-20260905",
        "PL-SRC-UPSTART-TERMS-20260817",
        "PL-SRC-UPSTART-Q2-2026"
      ],
      "limitations": [
        "The public consumer page does not identify one creditor before an offer.",
        "The SEC filing reports more than 100 lending partners at year-end 2025 and does not map current shelf terms to one bank."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-HAPPEN-20260905",
      "brand_name": "Happen Bank",
      "brand_effective_date": "2026-06-22",
      "former_brand_names": [
        {
          "name": "LendingClub Bank, National Association",
          "end_date": "2026-06-21"
        }
      ],
      "platform_entity": "Happen Bank, National Association",
      "creditor_entity": "Happen Bank, National Association",
      "creditor_rule": "Unless otherwise specified, current credit products are provided by Happen Bank, N.A.",
      "parent_entity": "Happen, Inc.",
      "servicer_entity": "Happen Bank, National Association",
      "funding_channels": [
        "held for investment",
        "held for sale",
        "structured programs",
        "loan sales"
      ],
      "source_ids": [
        "PL-SRC-HAPPEN-RATES-20260706",
        "PL-SRC-HAPPEN-REBRAND-20260622",
        "PL-SRC-HAPPEN-Q2-2026"
      ],
      "limitations": [
        "Historical LendingClub records must retain the prior brand and entity name for their vintage.",
        "Some credit products may be facilitated by third-party issuing banks."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-SOFI-20260905",
      "brand_name": "SoFi",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "Social Finance, LLC",
      "creditor_entity": "SoFi Bank, N.A.",
      "creditor_rule": "The reviewed current disclosure identifies SoFi Bank, N.A. as the originator of SoFi Personal Loans; participating-bank referrals may be offered separately.",
      "parent_entity": "SoFi Technologies, Inc.",
      "servicer_entity": "Social Finance, LLC or affiliate",
      "funding_channels": [
        "balance sheet",
        "loan sales",
        "Loan Platform Business",
        "securitization"
      ],
      "source_ids": [
        "PL-SRC-SOFI-PRODUCT-20260716",
        "PL-SRC-SOFI-Q2-2026"
      ],
      "limitations": [
        "Loan Platform Business volume includes personal loans originated on behalf of third parties.",
        "Participating-bank offers require a separate entity record when included."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-ONEMAIN-20260905",
      "brand_name": "OneMain Financial",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "OneMain Financial Group, LLC and affiliates",
      "creditor_entity": "varies",
      "creditor_rule": "OneMain personal loans are made by state-licensed OneMain affiliates; the legal creditor depends on the consumer's location and loan documents.",
      "parent_entity": "OneMain Holdings, Inc.",
      "servicer_entity": "OneMain Financial Group, LLC and affiliates",
      "funding_channels": [
        "balance sheet",
        "whole-loan sales",
        "securitization",
        "secured debt"
      ],
      "source_ids": [
        "PL-SRC-ONEMAIN-PRODUCT-20260905",
        "PL-SRC-ONEMAIN-Q2-2026"
      ],
      "limitations": [
        "The public product page does not map every state to a named lending affiliate.",
        "OneMain's reported personal-loan portfolio combines secured and unsecured loans."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-UPGRADE-20260905",
      "brand_name": "Upgrade",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "Upgrade, Inc.",
      "creditor_entity": "Cross River Bank",
      "creditor_rule": "The current bank-partner page identifies Cross River Bank for personal loans through Upgrade.",
      "parent_entity": null,
      "servicer_entity": "Upgrade, Inc.",
      "funding_channels": [
        "financial-institution loan purchase",
        "institutional sale",
        "securitization"
      ],
      "source_ids": [
        "PL-SRC-UPGRADE-PRODUCT-20260905",
        "PL-SRC-UPGRADE-BANK-PARTNERS-20260905",
        "PL-SRC-UPGRADE-INSTITUTIONS-20260905"
      ],
      "limitations": [
        "Historical Upgrade loans may name a different originating bank and require vintage-specific records.",
        "Secured and unsecured offers can share the same consumer flow."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-BESTEGG-20260905",
      "brand_name": "Best Egg",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "Marlette Marketing, LLC",
      "creditor_entity": "varies",
      "creditor_rule": "Best Egg unsecured personal loans are made by Cross River Bank or Column N.A.; the specific creditor is disclosed with the offer.",
      "parent_entity": "Barclays Bank Delaware",
      "servicer_entity": "Marlette Funding, LLC and affiliates",
      "funding_channels": [
        "bank origination",
        "whole-loan sale",
        "securitization"
      ],
      "source_ids": [
        "PL-SRC-BESTEGG-PRODUCT-20260905",
        "PL-SRC-BESTEGG-FEES-20260213",
        "PL-SRC-BESTEGG-KBRA-20260212",
        "PL-SRC-BARCLAYS-Q2-2026"
      ],
      "limitations": [
        "Barclays completed its acquisition of Best Egg in May 2026; older pools retain their original entities and creditors.",
        "The secured Best Egg product is outside the study boundary."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-AVANT-20260905",
      "brand_name": "Avant",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "Avant, LLC",
      "creditor_entity": "WebBank",
      "creditor_rule": "The checked consumer disclosure identifies WebBank as the issuer of Avant-branded credit products and states that Avant, LLC is not the lender.",
      "parent_entity": null,
      "servicer_entity": "Avant, LLC",
      "funding_channels": [
        "bank origination",
        "securitization",
        "institutional funding"
      ],
      "source_ids": [
        "PL-SRC-AVANT-PRODUCT-20260905",
        "PL-SRC-AVANT-KBRA-20260605"
      ],
      "limitations": [
        "The issuer rule should be rechecked by state before publication.",
        "The securitization source describes the Avant platform rather than every current consumer offer."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-LENDINGPOINT-20260905",
      "brand_name": "LendingPoint",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "LendingPoint LLC",
      "creditor_entity": "varies",
      "creditor_rule": "Direct-to-consumer applications may be funded by FinWise Bank, Coastal Community Bank, or LendingPoint as a licensed state lender.",
      "parent_entity": "LendingPoint Consolidated, Inc.",
      "servicer_entity": "LendingPoint LLC",
      "funding_channels": [
        "bank origination",
        "whole-loan sale",
        "securitization",
        "warehouse facilities"
      ],
      "source_ids": [
        "PL-SRC-LENDINGPOINT-PRODUCT-20260905",
        "PL-SRC-LENDINGPOINT-PRESSKIT-20260905",
        "PL-SRC-LENDINGPOINT-KBRA-20260515"
      ],
      "limitations": [
        "A separate point-of-need disclosure on the same page names a different bank and is excluded from the DTC record.",
        "A consumer's creditor is established only in the offer and loan documents."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-DISCOVER-20260905",
      "brand_name": "Discover",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "Discover, a division of Capital One, N.A.",
      "creditor_entity": "Capital One, National Association",
      "creditor_rule": "The current terms identify Capital One, N.A., through its Discover division, as the maker of Discover Personal Loans.",
      "parent_entity": "Capital One Financial Corporation",
      "servicer_entity": "Capital One, National Association",
      "funding_channels": [
        "bank balance sheet",
        "securitization"
      ],
      "source_ids": [
        "PL-SRC-DISCOVER-PRODUCT-20260824",
        "PL-SRC-DISCOVER-TERMS-20260905",
        "PL-SRC-CAPITALONE-2025-10K"
      ],
      "limitations": [
        "Pre-acquisition Discover loans require historical entity treatment.",
        "Capital One portfolio disclosures may include personal loans not originated under the current Discover shelf."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-WELLSFARGO-20260905",
      "brand_name": "Wells Fargo",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "Wells Fargo Bank, N.A.",
      "creditor_entity": "Wells Fargo Bank, N.A.",
      "creditor_rule": "Wells Fargo Bank, N.A. offers the Wells Fargo-branded unsecured personal loan directly to established customers.",
      "parent_entity": "Wells Fargo & Company",
      "servicer_entity": "Wells Fargo Bank, N.A.",
      "funding_channels": [
        "bank balance sheet"
      ],
      "source_ids": [
        "PL-SRC-WELLSFARGO-PRODUCT-20260905",
        "PL-SRC-WELLSFARGO-Q2-2026"
      ],
      "limitations": [
        "The current public filing does not isolate the personal-loan balance within the Other consumer portfolio.",
        "Historical loans require vintage-specific entity review after acquisitions or portfolio transfers."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-USBANK-20260905",
      "brand_name": "U.S. Bank",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "U.S. Bank National Association",
      "creditor_entity": "U.S. Bank National Association",
      "creditor_rule": "The current product disclosure states that installment loans are offered by U.S. Bank National Association.",
      "parent_entity": "U.S. Bancorp",
      "servicer_entity": "U.S. Bank National Association",
      "funding_channels": [
        "bank balance sheet"
      ],
      "source_ids": [
        "PL-SRC-USBANK-PRODUCT-20260905",
        "PL-SRC-USBANCORP-Q2-2026"
      ],
      "limitations": [
        "The bank's public Other retail portfolio cannot be isolated to current U.S. Bank Personal Loans."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-PNC-20260905",
      "brand_name": "PNC",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "PNC Bank, National Association",
      "creditor_entity": "PNC Bank, National Association",
      "creditor_rule": "PNC Bank, N.A. offers the PNC-branded unsecured personal loan directly in its listed jurisdictions.",
      "parent_entity": "The PNC Financial Services Group, Inc.",
      "servicer_entity": "PNC Bank, National Association",
      "funding_channels": [
        "bank balance sheet"
      ],
      "source_ids": [
        "PL-SRC-PNC-PRODUCT-20260905",
        "PL-SRC-PNC-Q2-2026"
      ],
      "limitations": [
        "The public filing's Other consumer category includes products beyond the current unsecured personal loan."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-CITI-20260905",
      "brand_name": "Citi",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "Citibank, N.A.",
      "creditor_entity": "Citibank, N.A.",
      "creditor_rule": "The current product disclosure states that Citi Personal Loans are made available by Citibank, N.A.",
      "parent_entity": "Citigroup Inc.",
      "servicer_entity": "Citibank, N.A.",
      "funding_channels": [
        "bank balance sheet"
      ],
      "source_ids": [
        "PL-SRC-CITI-PRODUCT-20260905",
        "PL-SRC-CITIGROUP-Q1-2026"
      ],
      "limitations": [
        "The North America personal-installment portfolio is broader than a snapshot of newly originated Citi Personal Loans."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-ALLIANT-20260905",
      "brand_name": "Alliant Credit Union",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "Alliant Credit Union",
      "creditor_entity": "Alliant Credit Union",
      "creditor_rule": "Alliant Credit Union offers the unsecured personal loan directly to established members.",
      "parent_entity": null,
      "servicer_entity": "Alliant Credit Union",
      "funding_channels": [
        "credit-union balance sheet"
      ],
      "source_ids": [
        "PL-SRC-ALLIANT-PRODUCT-20260905",
        "PL-SRC-NCUA-Q1-2026-CALLREPORT"
      ],
      "limitations": [
        "NCUA account 397 combines personal loans with other unsecured loans and lines of credit.",
        "The reviewed sources do not establish sales or securitizations for this specific product."
      ]
    },
    {
      "entity_record_id": "PL-ENTITY-PENFED-20260905",
      "brand_name": "PenFed Credit Union",
      "brand_effective_date": null,
      "former_brand_names": [],
      "platform_entity": "Pentagon Federal Credit Union",
      "creditor_entity": "Pentagon Federal Credit Union",
      "creditor_rule": "Pentagon Federal Credit Union offers the PenFed-branded unsecured personal loan and creates membership during the application for a guest applicant.",
      "parent_entity": null,
      "servicer_entity": "Pentagon Federal Credit Union",
      "funding_channels": [
        "credit-union balance sheet"
      ],
      "source_ids": [
        "PL-SRC-PENFED-PRODUCT-20260905",
        "PL-SRC-NCUA-Q1-2026-CALLREPORT",
        "PL-SRC-PENFED-2025-ANNUAL"
      ],
      "limitations": [
        "NCUA account 397 combines personal loans with other unsecured loans and lines of credit.",
        "The annual report's Other Consumer category is not isolated to current PenFed Personal Loans."
      ]
    }
  ]
}