Скачать или смотреть 9 Counterintuitive Truths About Subprime Lending You Never Hear About

In this video, we reveal nine of the most counterintuitive insights from the last five years of U.S. subprime lending — across auto finance, BHPH, personal loans, and non-QM mortgages.

Most people assume subprime is simply “high APR and high risk.”
But real-world data from 2019 to 2025 shows a far more complex picture.

You’ll learn:

• Why subprime is counter-cyclical
• Why “bad credit” doesn’t mean “bad payer”
• Why defaults peak AFTER recoveries
• How expanding the credit box can reduce losses
• Why high APR does NOT maximize profit
• Why repossessions destroy value
• Why geography predicts default more than score
• Why models outperform humans in underwriting
• Why life stability predicts repayment better than credit score

These insights challenge conventional wisdom and give a clearer picture of how subprime lending actually works.

If you’re involved in auto finance, personal loans, fintech, underwriting, or ABS investing, this video will give you a deeper understanding of borrower behavior and portfolio performance.

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