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Research
Origination Report: Consumer Unsecured, January 2025
19 February 2025
January Consumer Unsecured Originations Rise MoM but Fall Short of Historical Trends
Quick Insights
Overall:January 2025 originations rose just 3.9% MoM—below historical trends (5-10% increase).
GWAC: GWAC differentials across income ranges continue to narrow, with minimal differentiation beyond the $135k threshold.
Grade: Top Grade originations now account for 70% of total originations, with Middle Grade originations declining MoM.
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