dv01 US Consumer Unsecured Benchmark

The dv01 Consumer Unsecured Benchmark provides a holistic view of the U.S. unsecured personal loan market. Powered by loan-level data, the benchmark is anonymized, standardized, and AI-ready. Built from dv01’s role as Loan Data Agent and analytics provider across leading fintech lenders, the benchmark aggregates over 20 million loans, representing more than $300 billion in original loan balances and over $70 billion in outstanding balances since 2014. By consolidating full-platform datasets across lenders—including securitized, balance-sheet, and sold loans—it delivers a comprehensive, market-wide perspective on consumer unsecured credit performance.

Delivered in a consistent, analysis-ready schema, the dataset enables advanced modeling, benchmarking, and AI-driven insights into origination trends, borrower credit quality, delinquency, prepayment, and loss dynamics. Users can query, visualize, and integrate the data directly within Snowflake to support machine learning pipelines, portfolio optimization, and risk analysis workflows.

Start your free trial today with a 1% sample of our benchmark, made available in your Snowflake warehouse immediately.