Looking ahead, Schwartz said OppFi and its lending partners plan to release “Model 6.1” in the first half of 2026, which he expects to both boost originations and reduce risk through improved weighting and risk segmentation. He added that the credit team is also working with bank partners on “Model 7.0,” with early indicators “promising on both origination and risk fronts,” and the company plans to launch that model in Q3.Schwartz acknowledged higher delinquencies in the company’s summer vintages but said O ...