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

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