In this episode of In the Tranches of Structured Finance, dv01 Chief Economist Vadim Verkhoglyad answers follow-up questions from dv01's latest consumer credit webinar before breaking down the latest performance and origination trends across consumer unsecured, subprime auto, and Non-QM mortgages.
Using a traffic-light framework, Vadim examines why the three sectors are moving in very different directions: consumer unsecured remains firmly green, subprime auto continues to flash red, and Non-QM sits somewhere in between.
Tune in for insights on:
Why the U.S. consumer has steadily shifted toward prime credit, and why that trend extends well beyond the post-COVID equity rally
How fintech personal loans and other newer lending channels are reshaping the consumer credit mix
Why consumer unsecured originations have reached record levels even as credit standards remain tight
What elevated impairments, rising loss severity, and LTV trends reveal about risk in subprime auto
Why Non-QM performance has stabilized from its 2025 peak, even as meaningful differences remain across borrower and documentation types
Subscribe to our free research to stay up-to-date on the latest trends. Contact sales@dv01.co to learn how dv01 data can help you understand what's going on in the market, and to better analyze your whole loan portfolio and securitizations.
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