Donna M. Mitchell

Although the deal, which closes on November 26, is the first securitization from Ansley Park, its owned portfolio since January 2024 has had strong performances with no losses to date.

GDLP 2025-3 has a so-called vertical risk retention structure, where 95% of the collateral balance is allocated to the noteholders, while retained interest noteholders will hold the rest.

If class A notes fail a credit enhancement rest, a cumulative default ratio amortization event occurs, or the pool balance is 10% or less, then GSKY 2025-3 will move to a sequential pay structure.

Trump, who has touted the billions raised in US tariff revenue this year, has talked about the checks as public frustration mounts over the cost of living.

Since introducing the Upstart Macro Index to address increasing delinquency rates in previous years, the changes to its underwriting and credit models have improved future vintages' performances.

Loan sizes are only $477.50 on average, while borrowers attached to the contracts have weighted average FICO scores of 727.

The proceeds from the deal will recoup costs for repairs on energy infrastructure damaged after Hurricane Helene in 2024.

SEMT 2025-12's collateral profile is slightly weaker compared with the prior transaction, with a slightly lower weighted average FICO score.

MP 2025-1's loan-to-value ratio will not exceed 70% of aggregate appraised value. To maintain this leverage level, the deal will also collect supplemental principal payments.

Second-lien mortgages make up the collateral pool. Those assets normally have a high expected loss severity, but the borrowers appear to be of prime credit quality.

In addition to that subordination, the deal structure includes cash trap and sweep conditions to support cash flow to the deal.

Senior notes are supported by an interest reserve account, and class A2 notes have a scheduled annual amortization of 1.0% before their anticipated repayment.

ABCLN 2025-B also benefits from a line of credit sized to cover up to five months of missed interest payments in the event Ally defaults on its interest obligations.

Lawmakers urged the Fed to retain the current weighting of the p-factor in the context of securitizations, over a level that the industry believes is far more punitive.

AMDR 2025-1 is the inaugural securitization for Americor, an Irvine, Calif.-based which offers debt resolution services, personal loans, debt resolution loans, mortgages and home equity lines of credit.

Previously, Kim was a managing director in J.P. Morgan Chase & Co.'s strategic investments group, where she managed a diverse portfolio of fintech investments.

The issuance can be expanded to $1.2 billion, with virtually the same capital structure characteristics.

LADAR 2025-3's loss levels are notably lower than the rating agency's assumptions on the LADAR 2025-1 because the sponsor excluded borrowers with credit scores lower than 701 from the collateral pool.

WFLOOR 2025-1's annualized monthly yield, which averaged 20% since 2018, has been consistently higher than most other dealer floorplan trusts that Moody's rates.

Most of the pool of 1,011 residential mortgages, 69.7%, are considered non-prime mortgages, primarily due to the documentation and styles of underwriting.