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.