The Consumer Unsecured Benchmark aggregates and anonymizes platform-level datasets available on dv01, allowing users to easily compare individual deals, portfolios, and platforms against a cohesive reference point. By leveraging the benchmark, issuers and investors can identify origination trends, analyze consumer behavior, and assess loan characteristics across the sector.
Access the benchmark now within the dv01 app by navigating to the Intelligence section and searching for Consumer Unsecured Benchmark within the Pool Selector filter, or select it under the Surveillance section at the top of the list under the MPL/CU tab:
*The dataset is filtered down to exclude certain outliers that either skew the composition of the dataset, or make certain issuers easily-identifiable. The largest exclusion criteria are loans originated prior to 2014, loans that do not have 3-year or 5-year original terms, and loans that have an original balance >= $45,000.