New Podcast Episode: Consumer Credit Scorecard

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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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.