Performance Report: Consumer Unsecured & Subprime Auto Loans, May 2023

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Quick Insights

• Federal Reserve and Census Data: While Fed data shows real estate net worth declining among lower-income households, U.S. Census data shows homeownership growing substantially among this cohort over the past two years (page 5).

• Consumer Unsecured: Prepayments have rebounded from their lows and significantly rose MoM above seasonally-adjusted increases, rising 1.8 CPR (page 16).

• Subprime Auto: Impairments posted its largest MoM increase in four years (page 24).