Behind the Data: Credit Trends, Refinance Realities & the Return of Second Liens
Update: 2025-07-16
Description
In this episode of In the Tranches of Structured Finance, Vadim revisits the standout questions from dv01’s recent consumer credit webinar with Jefferies, Upgrade, and Prosper—digging deeper into the state of the consumer, credit performance trends, origination behavior, and refinancing dynamics.
Vadim also introduces dv01’s new Closed-End Seconds Benchmark, spotlighting its relevance in today’s housing affordability environment. Tune in for insights on:
- The correlation between origination volumes and credit performance
- The role of housing equity across income cohorts
- Trends in consumer unsecured refinancing and BNPL/home improvement lending
- Why second liens are seeing renewed investor interest post-GFC
- Early performance signals in dv01’s Closed-End Seconds Benchmark
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.
Comments
In Channel
Download from Google Play
Download from App Store
United States00:00
00:00
1.0x
