A Data-Driven Look at Consumer Credit in 2025

In this episode of In the Tranches of Structured Finance, Vadim Verkhoglyad breaks down recent credit performance and origination trends across consumer unsecured, subprime auto, and non-QM mortgages.

Tune in for insights on:

• Strong recovery in consumer unsecured performance

• Plateauing trends in subprime auto, with rising loss severity

• Worsening impairments in non-QM despite limited losses

• Minimal credit impact from recent wildfires and hurricanes

Get the latest data-driven view on what’s really happening with borrowers in 2025.

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About the dv01 Podcast

dv01's In The Tranches of Structured Finance podcast explores macroeconomic trends, sector performance, and the future of capital markets. As a leading market intelligence company in structured credit, dv01 provides transparency and actionable insights through loan-level data and research.