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.

搜集汇总

背景与挑战

背景概述

该数据集提供美国无担保个人贷款市场的全面视图，整合了自2014年以来超过2000万笔贷款，涉及原贷款余额超3000亿美元和未偿还余额超700亿美元。数据来源于领先金融科技贷款机构的证券化、资产负债表和已售贷款，采用标准化、匿名化格式，支持在Snowflake中进行高级建模、基准测试、风险分析及AI驱动的洞察，并提供1%样本免费试用。