Quality-wise originations after the downturn are generally said to be relatively good credits, but beyond that let’s take a closer look at what could shape the 2011 vintage this year.

Let me stress again, loan quality still looks relatively good compared to the notorious pre-downturn period. As Lenders One CEO Scott Stern noted, “Not only are files being quality controlled before closing, they’re being pre-underwritten, they’re being underwritten after closing. Then they’re going through all kinds of technology checks.”

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