Consumer sentiment is down, but the credit data tells a different story. Delinquencies improved across all VantageScore credit tiers in May, and originations rebounded, led by personal loans, which hit a nine-month high.

In this episode, David Battany, EVP of Capital Markets at Guild Mortgage, shares how one of the nation's largest independent mortgage lenders is navigating affordability pressures and identifies the biggest opportunity to expand homeownership access.

In the full episode, David covers:

➡️ Why the mortgage affordability problem comes down to a math equation and how zero-down programs are helping lenders solve it

➡️ How the industry is absorbing trended credit data, including VantageScore 4.0, and what responsible adoption looks like in practice

➡️ Why thin-file borrowers represent the single biggest opportunity for homeownership expansion, and how residual income data could be the bridge

Plus, VantageScore's Atif Mirza breaks down the latest CreditGauge™ data for May 2026, including delinquencies improving across all credit tiers, personal loan originations reaching a nine-month high, and auto loans as the only product to decline year-over-year.

Updated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health.

Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

Fair lending isn't just a compliance obligation; in the age of AI, it's a model quality issue.

In this episode, Kareem Saleh, Founder and CEO of FairPlay AI, explores why the best-performing lenders are optimizing for fairness, predictive accuracy, and explainability together, not as separate work streams.

In the full episode, Kareem covers:
➡️ Why fairness blind spots are model performance problems
➡️ What the VantageScore 4.0 mortgage shift means for lenders
➡️ His outlook for consumer credit over the next 6–12 months

Plus, VantageScore's Susan Fay and Atif Mirza break down the latest CreditGauge™ data for April 2026, including improving delinquency trends and strengthening mortgage originations.

Updated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health.

Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.

Debt service burdens are rising across multiple asset classes, and many lenders still aren't filling the data gaps that would help them see it coming.

In this episode, Matt Komos, Founder and CEO of OGMA Risk and Analytics, shares research on VantageScore 4.0's performance in mortgage pre-screening and where lenders are leaving risk management on the table.

In the full episode, Matt covers:
➡️ How VantageScore 4.0 expands first-time buyer access at the top of the mortgage funnel without increasing portfolio risk
➡️ Why trended credit data, cash flow data, and alternative credit are still underutilized even by lenders who say they're a priority
➡️ How geographic precision down to the county level can help lenders grow responsibly

Plus, VantageScore's Susan Fahy and Atif Mirza break down the latest CreditGauge™ data for March 2026, including credit card balances declining, mortgage delinquencies improving 8.1% year-over-year, and Gen Z and millennials driving unsecured lending growth.

Download the full CreditGauge™ analysis at vantagescore.com/lenders/credit-gauge.

Updated monthly, VantageScore’s CreditGauge LIVE features the latest newsmakers and insights into consumer credit health.

Download the full CreditGauge analysis for free at vantagescore.com/lenders/credit-gauge.