dv01

📄 Government Shutdown Disruption Shows Up in Unsecured Personal Loans. October marks first broad credit stumble in 2+ years as shutdown effects hit consumer performance. Our market data and research shows that the historic government shutdown produced clear, measurable credit deterioration in October: ➡️ VA/MD/DC impairment gap surged to ~100 bps above national levels, a spike typically seen only after major natural disasters. ➡️ New impairments jumped sharply, with both Overall and First-Time metrics rising well above seasonal expectations. ➡️ The increase was driven almost entirely by temporary modifications, not delinquencies—pointing to disruption, not structural weakness. With millions of loans updated daily, dv01 provides one of the earliest reads on how macro events ripple through consumer credit. https://lnkd.in/gUvJqUWw #finance #debt #shutdown #research #data

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Verification Is Having a Moment—We’ve Been Here All Along Following recent events at Tricolor, scrutiny across structured finance has intensified. Investors are re-evaluating how collateral data is sourced, validated, and reported. At dv01, verification isn’t new—it’s infrastructure. ✅ Embedded directly into the data pipeline ✅ Independent and automated across billions of loans ✅ Strengthens confidence and transparency for every counterparty Read our latest post to learn how dv01’s infrastructure-based approach ensures trust across facilities, transactions, and investor reporting. https://lnkd.in/gtnbrFWW

🎧 New Podcast Episode: Auto Performance and Tricolor We break down what’s really happening in the auto market—from Tricolor’s fraud and verification failure to shifting origination and delinquency trends. Hear why this isn’t a credit crisis—and how stronger data infrastructure can prevent the next one. https://lnkd.in/gDhABSKj #podcast #auto #debt #tricolor

🚘 September Auto Update: Bank Delinquencies Stabilize, But Subprime Impairments Hit New Record ➡️ Bank call report data shows delinquencies have flattened after two quarters of improvement—signaling stabilization across major institutions. ➡️ Subprime Auto impairments, however, reached a new record above 20%, marking the second consecutive record high. ➡️ Loss severities continue to rise, up more than 900 bps vs. 2019, even as borrowers make partial payments to avoid repossession. Download the full September Auto Performance report for a deeper look at these diverging trends: https://lnkd.in/gmueXPRG #auto #finance #data #economicdata #fintech #abs

We're #hiring a new Data Analyst II, Credit Facilities Reporting in New York City Metropolitan Area. Apply today or share this post with your network.

We're #hiring a new Sr. Data Analyst, Capital Markets Solutions in United States. Apply today or share this post with your network.

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📈 dv01's latest origination report highlights another month of strength in Unsecured Personal Loans and continued softness across Auto issuance. Quick Insights: ➡️ Unsecured Personal Loans: Originations rose 4% MoM and 52% YoY — the strongest September on record and the seventh straight month of above-trend growth. ➡️ Auto: Securitized volumes remain well below 2019 levels, while rising PTIs and higher GWACs underscore persistent affordability pressures. https://lnkd.in/gEq4V5WY #finance #debt #loan #auto

We're #hiring a new Quantitative Engineer II in United States. Apply today or share this post with your network.