StratMaker (139646)

CarMax Auto Owner Trust 2020-4

StratMaker Datatape Summary

Beginning Period

Nov 1, 2022

As % of Reporting Period ELA:

Ending Period

Nov 30, 2022

New % / Used %

0.47% / 99.53%

Total Original # of Loans

75,148

WA Loan to Value (LTV)

61.63%

Total Original Loan Amount (OLA)

$ 1,460,658,382

WA Payment to Income (PTI)

8.18%

Weighted Average (WA) OLA

$ 22,693

WA FICO (non-zero)

713

Rep. Period Beginning Loan Amount

$ 593,965,085

WA Remaining Term (RT)

38.15

Rep. Period Ending Loan Amount (ELA)

$ 570,754,424

WA Original APR

7.91%

Beginning Period

Nov 1, 2022

Ending Period

Nov 30, 2022

Total Original # of Loans

75,148

Total Original Loan Amount (OLA)

$ 1,460,658,382

Weighted Average (WA) OLA

$ 22,693

Rep. Period Beginning Loan Amount

$ 593,965,085

Rep. Period Ending Loan Amount (ELA)

$ 570,754,424

As % of Reporting Period ELA:

New % / Used %

0.47% / 99.53%

WA Loan to Value (LTV)

61.63%

WA Payment to Income (PTI)

8.18%

WA FICO (non-zero)

713

WA Remaining Term (RT)

38.15

WA Original APR

7.91%

Filters

Filters Applied

Loans Excluded

OLA of Excluded Loans

$ 0

ELA of Excluded Loans

$ 0

Original Loan Amount	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
$0 - $4,999	352	0.47%	1,400,448	0.10%	363,274	0.06%	2,054	640	29.34	5.77%
$5,000 - $9,999	4,855	6.46%	40,127,728	2.75%	13,683,267	2.40%	4,773	664	33.02	6.84%
$10,000 - $14,999	18,249	24.28%	234,584,613	16.06%	93,086,241	16.31%	7,809	651	35.90	8.17%
$15,000 - $19,999	22,776	30.31%	395,929,359	27.11%	162,565,023	28.48%	10,786	687	37.96	8.13%
$20,000 - $24,999	13,800	18.36%	307,147,273	21.03%	123,410,769	21.62%	13,897	713	38.91	7.82%
$25,000 - $29,999	7,682	10.22%	209,218,372	14.32%	80,788,085	14.15%	17,048	715	39.14	7.86%
$30,000 - $39,999	5,717	7.61%	193,598,080	13.25%	70,613,037	12.37%	21,401	719	39.72	7.68%
$40,000 - $49,999	1,401	1.86%	61,616,343	4.22%	20,722,379	3.63%	27,722	724	39.49	7.44%
$50,000 - $59,999	286	0.38%	15,133,926	1.04%	4,963,503	0.87%	32,928	718	38.80	7.19%
$60,000 - $69,999	30	0.04%	1,902,241	0.13%	558,845	0.10%	33,455	788	33.36	4.42%
$70,000 - $79,999	-	-	-	-	-	-	-	-	-	-
$80,000 - $89,999	-	-	-	-	-	-	-	-	-	-
$90,000 - $99,999	-	-	-	-	-	-	-	-	-	-
Over $100,000	-	-	-	-	-	-	-	-	-	-
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Reporting Period ELA	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
$0 - $4,999	28,942	38.51%	544,448,376	37.27%	12,589,059	2.21%	3,831	698	28.72	5.77%
$5,000 - $9,999	18,325	24.39%	258,207,697	17.68%	144,504,020	25.32%	8,120	679	34.60	7.33%
$10,000 - $14,999	17,649	23.49%	349,172,143	23.91%	215,100,709	37.69%	12,348	698	38.65	7.99%
$15,000 - $19,999	6,860	9.13%	184,053,449	12.60%	117,123,717	20.52%	17,187	707	40.29	8.30%
$20,000 - $24,999	2,322	3.09%	78,963,514	5.41%	51,172,892	8.97%	22,128	706	41.22	8.42%
$25,000 - $29,999	738	0.98%	30,407,812	2.08%	19,940,666	3.49%	27,095	699	41.69	8.49%
$30,000 - $39,999	308	0.41%	15,183,408	1.04%	10,161,653	1.78%	33,150	696	42.47	8.82%
$40,000 - $49,999	4	0.01%	221,983	0.02%	161,706	0.03%	40,435	633	45.75	9.95%
$50,000 - $59,999	-	-	-	-	-	-	-	-	-	-
$60,000 - $69,999	-	-	-	-	-	-	-	-	-	-
$70,000 - $79,999	-	-	-	-	-	-	-	-	-	-
$80,000 - $89,999	-	-	-	-	-	-	-	-	-	-
$90,000 - $99,999	-	-	-	-	-	-	-	-	-	-
Over $100,000	-	-	-	-	-	-	-	-	-	-
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Original Interest Rate Type	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Fixed	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%
Variable	-	-	-	-	-	-	-	-	-	-
Other	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Original APR	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
0.00 - 2.49%	5	0.01%	123,954	0.01%	0	0.00%	0	0	0.00	0.00%
2.50 - 4.99%	20,842	27.73%	396,312,600	27.13%	151,505,142	26.54%	12,795	800	35.01	3.53%
5.00 - 7.49%	15,144	20.15%	284,430,521	19.47%	110,829,341	19.42%	13,125	730	37.36	6.49%
7.50 - 9.99%	19,481	25.92%	389,595,026	26.67%	153,055,451	26.82%	14,190	678	39.28	9.06%
10.00 - 12.49%	11,985	15.95%	258,570,622	17.70%	103,584,648	18.15%	16,033	647	41.72	11.21%
12.50 - 14.99%	7,591	10.10%	129,647,640	8.88%	51,140,317	8.96%	13,127	465	38.50	13.70%
15.00 - 17.49%	100	0.13%	1,978,019	0.14%	639,525	0.11%	14,731	605	39.32	16.46%
17.50 - 19.99%	-	-	-	-	-	-	-	-	-	-
20.00 - 22.49%	-	-	-	-	-	-	-	-	-	-
22.50 - 24.99%	-	-	-	-	-	-	-	-	-	-
25.00 - 27.49%	-	-	-	-	-	-	-	-	-	-
27.50 - 29.99%	-	-	-	-	-	-	-	-	-	-
30.00%+	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Original FICO Score	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Less than 500	9	0.01%	163,287	0.01%	81,551	0.01%	14,884	491	40.37	12.50%
500 - 549	597	0.79%	11,398,020	0.78%	4,126,289	0.72%	14,312	538	39.65	11.69%
550 - 599	3,660	4.87%	71,864,197	4.92%	27,588,076	4.83%	14,851	581	39.71	11.28%
600 - 649	12,804	17.04%	254,601,419	17.43%	100,637,975	17.63%	14,904	628	39.91	10.73%
650 - 699	16,813	22.37%	333,627,760	22.84%	131,082,410	22.97%	14,337	674	39.38	9.36%
700 - 749	14,941	19.88%	283,804,608	19.43%	112,141,597	19.65%	13,468	724	38.35	7.44%
750 - 799	11,823	15.73%	228,573,588	15.65%	88,523,436	15.51%	13,195	773	36.85	5.19%
800+	11,840	15.76%	241,339,341	16.52%	93,156,111	16.32%	13,520	834	35.56	3.90%
NA	2,661	3.54%	35,286,163	2.42%	13,416,979	2.35%	8,901	0	34.02	14.00%
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Original Term (Months)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
0 - 24	26	0.03%	199,990	0.01%	0	0.00%	0	0	0.00	0.00%
25 - 36	481	0.64%	5,660,337	0.39%	550,193	0.10%	3,325	748	7.94	4.74%
37 - 48	1,751	2.33%	22,881,599	1.57%	5,242,675	0.92%	6,547	693	18.80	6.03%
49 - 60	17,438	23.20%	309,000,455	21.15%	112,295,281	19.67%	11,366	715	31.23	6.05%
61 - 72	42,359	56.37%	831,364,435	56.92%	332,464,866	58.25%	13,977	690	38.80	8.17%
73+	13,093	17.42%	291,551,566	19.96%	120,201,408	21.06%	16,200	694	43.80	9.00%
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Remaining Term (Months)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Repaid	25,168	33.49%	504,710,076	34.55%	356	0.00%	148	622	0.00	7.17%
1 - 12	446	0.59%	5,571,682	0.38%	1,128,590	0.20%	3,453	732	8.17	5.24%
13 - 24	1,847	2.46%	26,637,279	1.82%	10,777,720	1.89%	7,333	697	20.26	6.13%
25 - 36	21,525	28.64%	387,245,682	26.51%	208,895,604	36.60%	11,599	712	31.95	6.27%
37 - 48	26,151	34.80%	536,253,867	36.71%	349,805,697	61.29%	15,432	686	42.49	8.95%
49 - 60	11	0.01%	239,797	0.02%	146,456	0.03%	16,790	610	51.67	6.71%
61 - 72	-	-	-	-	-	-	-	-	-	-
73+	-	-	-	-	-	-	-	-	-	-
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Delinquency (Days)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Current	68,277	90.86%	1,320,090,158	90.38%	490,755,307	85.98%	13,446	707	37.84	7.47%
1 - 15	3,263	4.34%	66,891,406	4.58%	44,063,838	7.72%	15,941	640	39.71	10.09%
16 - 30	1,055	1.40%	21,681,009	1.48%	14,597,773	2.56%	16,319	617	40.44	10.76%
31 - 60	896	1.19%	18,461,476	1.26%	12,736,129	2.23%	16,730	603	40.45	11.33%
61 - 90	489	0.65%	10,245,730	0.70%	6,944,490	1.22%	17,744	584	40.43	11.55%
91 - 120	143	0.19%	2,864,038	0.20%	1,620,168	0.28%	18,137	583	39.93	11.50%
121+	1,025	1.36%	20,424,565	1.40%	36,719	0.01%	36,719	714	43.00	10.95%
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Employment Verification	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Not stated, not verified	-	-	-	-	-	-	-	-	-	-
Stated, not verified	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%
Stated, verified to Level 3²	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Income Verification	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Not stated, not verified	-	-	-	-	-	-	-	-	-	-
Stated, not verified	74,196	98.73%	1,447,848,566	99.12%	566,049,206	99.18%	13,893	701	38.18	7.86%
Stated, verified but not Level 4 or 5	952	1.27%	12,809,816	0.88%	4,705,218	0.82%	9,065	84	34.04	13.90%
Stated, verified to Level 4³	-	-	-	-	-	-	-	-	-	-
Stated, verified to Level 5³	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Payment to Income	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
0.00 - 4.99%	27,540	36.65%	486,215,816	33.29%	186,071,548	32.60%	12,328	740	36.62	6.01%
5.00 - 9.99%	28,207	37.54%	571,613,761	39.13%	226,589,949	39.70%	14,262	698	38.51	8.07%
10.00 - 14.99%	11,956	15.91%	245,226,243	16.79%	96,698,654	16.94%	14,803	652	39.39	9.61%
15.00 - 19.99%	4,661	6.20%	97,496,816	6.67%	38,052,243	6.67%	15,169	625	39.55	10.36%
20.00 - 24.99%	1,701	2.26%	36,525,152	2.50%	13,925,357	2.44%	15,912	612	39.55	10.64%
25.00 - 29.99%	687	0.91%	14,538,930	1.00%	6,013,792	1.05%	16,064	623	39.44	10.38%
30.00 - 39.99%	326	0.43%	7,155,048	0.49%	2,656,220	0.47%	15,430	619	38.60	9.87%
40.00 - 49.99%	51	0.07%	1,319,066	0.09%	591,928	0.10%	16,991	701	38.29	8.99%
50.00 - 59.99%	17	0.02%	500,314	0.03%	124,970	0.02%	19,718	760	39.29	7.62%
60.00 - 69.99%	1	0.00%	45,414	0.00%	24,112	0.00%	24,112	863	31.00	4.95%
70.00 - 79.99%	1	0.00%	21,822	0.00%	5,649	0.00%	5,649	852	10.00	2.95%
80.00 - 89.99%	-	-	-	-	-	-	-	-	-	-
90.00 - 99.99%	-	-	-	-	-	-	-	-	-	-
100.00%+	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Original Loan to Value	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
0.00 - 24.99%	163	0.22%	712,632	0.05%	185,610	0.03%	2,788	668	30.41	4.69%
25.00 - 49.99%	2,160	2.87%	19,335,036	1.32%	5,809,857	1.02%	5,844	717	32.87	4.49%
50.00 - 74.99%	9,329	12.41%	134,889,677	9.23%	47,832,319	8.38%	9,311	736	34.40	4.90%
75.00 - 99.99%	27,344	36.39%	522,143,122	35.75%	210,654,539	36.91%	13,016	711	37.24	6.78%
100.00 - 109.99%	18,172	24.18%	391,563,372	26.81%	156,227,712	27.37%	15,147	679	39.06	8.69%
110.00 - 119.99%	12,012	15.98%	261,523,719	17.90%	102,161,981	17.90%	15,431	676	39.71	9.51%
120.00 - 129.99%	4,356	5.80%	93,213,206	6.38%	34,393,368	6.03%	14,987	680	39.97	10.13%
130.00 - 139.99%	1,223	1.63%	28,126,319	1.93%	10,177,394	1.78%	16,843	678	40.98	10.77%
140.00%+	389	0.52%	9,151,298	0.63%	3,311,643	0.58%	16,715	688	40.55	10.53%
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Loans by State	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Alabama	1,192	1.59%	23,331,631	1.60%	9,493,569	1.66%	14,281	687	38.91	8.53%
Alaska	13	0.02%	235,027	0.02%	96,671	0.02%	12,463	696	36.85	9.21%
Arizona	1,072	1.43%	19,304,801	1.32%	7,247,254	1.27%	12,900	681	37.47	7.89%
Arkansas	86	0.11%	1,761,417	0.12%	703,048	0.12%	13,422	680	37.26	8.37%
California	13,162	17.51%	256,518,535	17.56%	99,276,308	17.39%	14,037	690	38.05	7.90%
Colorado	1,795	2.39%	34,760,968	2.38%	12,466,612	2.18%	13,561	724	37.17	6.95%
Connecticut	559	0.74%	10,760,130	0.74%	4,688,752	0.82%	13,678	710	37.98	7.82%
Delaware	352	0.47%	6,535,945	0.45%	2,796,262	0.49%	12,867	695	39.09	8.04%
Florida	5,449	7.25%	108,674,449	7.44%	40,751,150	7.14%	14,521	684	39.28	8.37%
Georgia	4,817	6.41%	92,344,043	6.32%	36,823,618	6.45%	14,027	679	38.98	8.66%
Hawaii	25	0.03%	483,910	0.03%	209,085	0.04%	14,519	687	39.63	8.49%
Idaho	229	0.30%	4,091,510	0.28%	1,415,227	0.25%	12,161	697	38.20	7.44%
Illinois	3,602	4.79%	68,535,229	4.69%	29,887,793	5.24%	13,438	709	38.02	7.36%
Indiana	1,166	1.55%	22,217,917	1.52%	8,991,360	1.58%	13,597	704	38.48	7.76%
Iowa	270	0.36%	5,015,575	0.34%	2,004,454	0.35%	12,892	705	37.43	7.61%
Kansas	921	1.23%	18,400,748	1.26%	6,913,216	1.21%	13,541	728	35.71	7.12%
Kentucky	827	1.10%	15,323,680	1.05%	6,135,654	1.08%	12,733	710	37.98	7.30%
Louisiana	1,039	1.38%	20,973,945	1.44%	8,871,119	1.55%	14,718	662	38.98	8.74%
Maine	118	0.16%	2,335,068	0.16%	877,030	0.15%	12,802	717	36.54	7.24%
Maryland	5,157	6.86%	104,181,619	7.13%	35,630,758	6.24%	13,530	710	36.10	7.47%
Massachusetts	941	1.25%	16,429,724	1.12%	7,066,697	1.24%	12,302	712	37.98	7.22%
Michigan	67	0.09%	1,258,456	0.09%	539,908	0.09%	12,552	685	37.00	7.83%
Minnesota	186	0.25%	3,664,650	0.25%	1,360,084	0.24%	12,820	692	37.35	7.85%
Mississippi	824	1.10%	16,438,082	1.13%	7,138,885	1.25%	14,484	668	39.05	9.27%
Missouri	1,115	1.48%	21,143,969	1.45%	7,673,761	1.34%	12,226	705	34.49	7.63%
Montana	28	0.04%	607,477	0.04%	187,855	0.03%	14,689	722	38.94	6.93%
Nebraska	330	0.44%	5,856,186	0.40%	2,319,294	0.41%	12,037	730	36.36	6.65%
Nevada	2,172	2.89%	44,233,163	3.03%	16,417,187	2.88%	14,438	695	38.56	7.81%
New Hampshire	104	0.14%	1,871,733	0.13%	710,570	0.12%	12,201	708	36.84	7.76%
New Jersey	588	0.78%	11,092,080	0.76%	4,980,662	0.87%	13,553	702	39.57	7.73%
New Mexico	512	0.68%	9,946,077	0.68%	4,029,433	0.71%	13,607	697	37.56	7.70%
New York	101	0.13%	1,812,526	0.12%	733,896	0.13%	13,689	677	37.88	8.12%
North Carolina	3,744	4.98%	71,891,214	4.92%	28,726,941	5.03%	13,976	697	39.06	8.14%
North Dakota	9	0.01%	192,080	0.01%	54,808	0.01%	14,731	757	36.14	6.03%
Ohio	1,319	1.76%	25,661,888	1.76%	10,663,258	1.87%	14,012	708	38.46	7.65%
Oklahoma	570	0.76%	10,774,992	0.74%	4,214,381	0.74%	12,871	699	37.46	7.56%
Oregon	653	0.87%	10,717,479	0.73%	3,853,214	0.68%	11,215	697	36.66	7.16%
Pennsylvania	1,063	1.41%	19,460,121	1.33%	8,414,176	1.47%	13,294	705	38.90	7.81%
Rhode Island	196	0.26%	3,199,553	0.22%	1,203,331	0.21%	11,431	694	37.60	8.02%
South Carolina	2,055	2.73%	39,042,406	2.67%	15,870,544	2.78%	13,311	695	38.70	8.09%
South Dakota	10	0.01%	194,664	0.01%	65,743	0.01%	12,444	663	39.21	10.16%
Tennessee	3,174	4.22%	62,187,235	4.26%	24,295,817	4.26%	13,895	702	38.41	7.80%
Texas	7,147	9.51%	144,730,102	9.91%	56,284,816	9.86%	14,615	682	38.42	8.45%
Utah	287	0.38%	5,270,397	0.36%	1,666,076	0.29%	12,473	728	35.66	6.28%
Vermont	12	0.02%	252,077	0.02%	109,459	0.02%	14,691	747	31.32	6.00%
Virginia	3,954	5.26%	76,469,310	5.24%	30,975,426	5.43%	13,801	717	38.15	7.19%
Washington	1,181	1.57%	22,008,122	1.51%	8,281,323	1.45%	13,277	695	37.48	7.61%
West Virginia	84	0.11%	1,751,212	0.12%	783,068	0.14%	14,335	688	38.94	7.90%
Wisconsin	696	0.93%	13,315,146	0.91%	5,642,010	0.99%	13,834	711	38.28	7.40%
Wyoming	32	0.04%	789,473	0.05%	258,775	0.05%	18,915	687	37.89	7.76%
American Samoa	-	-	-	-	-	-	-	-	-	-
Armed Forces Amer.	-	-	-	-	-	-	-	-	-	-
Armed Forces EMEA	6	0.01%	98,652	0.01%	31,471	0.01%	12,972	667	33.98	5.22%
Armed Forces Pacific	2	0.00%	41,583	0.00%	26,804	0.00%	13,707	730	40.97	11.90%
District of Columbia	134	0.18%	2,459,343	0.17%	895,809	0.16%	12,647	690	36.62	7.44%
Guam	-	-	-	-	-	-	-	-	-	-
Mariana Islands	-	-	-	-	-	-	-	-	-	-
Marshall Islands	-	-	-	-	-	-	-	-	-	-
Micronesia	-	-	-	-	-	-	-	-	-	-
Palau	-	-	-	-	-	-	-	-	-	-
Puerto Rico	1	0.00%	11,063	0.00%	0	0.00%	0	0	0.00	0.00%
Virgin Islands	-	-	-	-	-	-	-	-	-	-
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Vehicle Status	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
New	303	0.40%	7,992,185	0.55%	2,682,344	0.47%	16,378	765	34.15	4.97%
Used	74,845	99.60%	1,452,666,197	99.45%	568,072,080	99.53%	13,841	695	38.17	7.92%
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Vehicle Type	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Car	35,039	46.63%	590,385,634	40.42%	224,495,436	39.33%	11,912	668	38.01	8.60%
Truck	5,617	7.47%	151,697,091	10.39%	57,903,060	10.15%	18,263	724	38.46	7.39%
SUV	32,064	42.67%	671,848,446	46.00%	269,916,827	47.29%	14,593	711	38.24	7.49%
Motorcycle	-	-	-	-	-	-	-	-	-	-
Other	2,428	3.23%	46,727,211	3.20%	18,439,100	3.23%	12,792	719	37.47	7.23%
Unknown	-	-	-	-	-	-	-	-	-	-
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Manufacturer	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
DeLorean	-	-	-	-	-	-	-	-	-	-
Fisker Automotive	-	-	-	-	-	-	-	-	-	-
Ford	7,390	9.83%	143,730,838	9.84%	55,052,304	9.65%	14,010	701	37.77	7.71%
Ford: Lincoln	510	0.68%	11,502,251	0.79%	4,518,360	0.79%	15,485	718	38.22	7.27%
Ford: Mercury	13	0.02%	156,216	0.01%	60,855	0.01%	7,149	701	33.28	9.13%
GMC	1,863	2.48%	47,595,475	3.26%	18,313,393	3.21%	17,870	712	39.06	7.75%
GMC: Buick	993	1.32%	17,705,164	1.21%	7,057,143	1.24%	11,850	694	38.33	7.97%
GMC: Cadillac	1,004	1.34%	27,209,135	1.86%	9,901,049	1.73%	18,897	702	38.38	7.97%
GMC: Chevrolet	6,046	8.05%	124,450,658	8.52%	49,436,921	8.66%	15,096	685	38.82	8.42%
GMC: Hummer	1	0.00%	19,225	0.00%	0	0.00%	0	0	0.00	0.00%
GMC: Oldsmobile	-	-	-	-	-	-	-	-	-	-
GMC: Pontiac	3	0.00%	32,447	0.00%	2,449	0.00%	2,449	563	19.00	7.45%
GMC: Saturn	4	0.01%	44,554	0.00%	0	0.00%	0	0	0.00	0.00%
Tesla	-	-	-	-	-	-	-	-	-	-
VHPG	-	-	-	-	-	-	-	-	-	-
Aston Martin	-	-	-	-	-	-	-	-	-	-
BMW	1,845	2.46%	46,313,904	3.17%	15,664,002	2.74%	16,905	704	37.98	7.64%
BMW: Mini	494	0.66%	7,621,210	0.52%	2,692,408	0.47%	10,057	694	36.23	8.06%
Daimler: Freightliner	-	-	-	-	-	-	-	-	-	-
Daimler: Mercedes-Benz	1,625	2.16%	43,028,322	2.95%	14,822,436	2.60%	18,198	696	38.68	8.24%
Daimler: Smart	39	0.05%	383,164	0.03%	110,023	0.02%	6,571	621	36.27	9.51%
Fiat	296	0.39%	3,808,808	0.26%	1,267,002	0.22%	8,522	667	36.59	8.42%
Fiat: Alfa Romeo	-	-	-	-	-	-	-	-	-	-
Fiat: Chrysler	919	1.22%	18,203,131	1.25%	7,125,219	1.25%	13,339	690	38.13	8.03%
Fiat: Dodge	3,691	4.91%	86,555,653	5.93%	33,393,123	5.85%	16,446	700	39.35	8.15%
Fiat: Jeep	4,044	5.38%	82,866,240	5.67%	33,291,486	5.83%	14,075	704	38.48	7.77%
Fiat: Maserati	-	-	-	-	-	-	-	-	-	-
Geely: Volvo	611	0.81%	14,240,462	0.97%	5,184,187	0.91%	16,109	732	37.18	6.23%
Lotus	-	-	-	-	-	-	-	-	-	-
McLaren	-	-	-	-	-	-	-	-	-	-
Volkswagen	1,747	2.32%	26,662,397	1.83%	10,565,915	1.85%	10,429	676	37.37	8.17%
Volkswagen: Audi	1,314	1.75%	32,022,847	2.19%	11,990,912	2.10%	16,467	716	37.99	7.26%
Volkswagen: Bentley	-	-	-	-	-	-	-	-	-	-
Volkswagen: Porsche	224	0.30%	8,431,245	0.58%	2,715,214	0.48%	24,029	730	37.83	6.58%
Honda	5,593	7.44%	96,378,737	6.60%	38,937,840	6.82%	11,921	696	37.67	7.95%
Honda: Acura	1,049	1.40%	22,554,152	1.54%	8,959,700	1.57%	14,320	717	37.63	7.09%
Hyundai	5,369	7.14%	81,846,111	5.60%	33,147,002	5.81%	10,451	670	38.19	8.30%
Hyundai: Kia	4,385	5.84%	69,203,988	4.74%	29,304,513	5.13%	10,900	672	38.73	8.46%
Isuzu	-	-	-	-	-	-	-	-	-	-
Mazda	1,584	2.11%	25,834,227	1.77%	10,355,220	1.81%	11,166	691	37.61	7.99%
Mitsubishi	638	0.85%	9,856,248	0.67%	4,004,198	0.70%	10,667	660	38.48	9.05%
Nissan	8,923	11.87%	149,989,992	10.27%	62,005,467	10.86%	11,678	679	38.52	8.30%
Nissan: Infiniti	1,445	1.92%	34,410,264	2.36%	13,037,409	2.28%	16,235	697	38.60	8.19%
Saab	-	-	-	-	-	-	-	-	-	-
Subaru	2,247	2.99%	39,825,027	2.73%	16,157,940	2.83%	11,825	727	37.10	6.78%
Suzuki	-	-	-	-	-	-	-	-	-	-
Tata: Jaguar	284	0.38%	8,144,560	0.56%	2,771,431	0.49%	19,605	702	39.60	8.07%
Tata: Land Rover	585	0.78%	19,826,969	1.36%	7,093,486	1.24%	22,932	715	39.08	7.50%
Toyota	6,702	8.92%	122,535,981	8.39%	48,095,417	8.43%	12,615	711	36.85	7.28%
Toyota: Lexus	1,491	1.98%	35,282,566	2.42%	12,891,698	2.26%	15,792	718	36.99	7.33%
Toyota: Scion	177	0.24%	2,386,214	0.16%	828,702	0.15%	9,035	607	35.84	10.10%
Other	-	-	-	-	-	-	-	-	-	-
Unknown	-	-	-	-	-	-	-	-	-	-
Total:	75,148	100.00%	1,460,658,382	100.00%	570,754,424	100.00%	13,853	696	38.15	7.91%

Footnotes:

Weighted averages are weighted by the Reporting Period Ending Loan Amount. Weighted average FICO calculation excludes loans for which a FICO is unavailable.
According to the EDGAR ABS XML Technical Specifications, Level 3 employment verification requires direct independent verification with a third party of the obligor’s current employment.
According to the EDGAR ABS XML Technical Specifications, Level 4 income verification requires previous year W-2 or tax returns, and year-to-date pay stubs, if salaried. If self-employed, then obligor provided 2 years of tax returns; Level 5 income verification requires 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns). If self-employed, then obligor provided 2 years tax returns plus a CPA certification of the tax returns.

Disclaimer:

This report is an unofficial summary and is offered solely as a courtesy service to current and potential customers of Finsight Group Inc. We make no warranties, expressed or implied, regarding the accuracy of the information contained herein. For the most up to date information, please view the source material from the SEC’s EDGAR website. Information contained herein is not a solicitation or recommendation to buy, sell or hold securities. Finsight is not offering securities for sale. In addition, nothing contained in this report creates any contract or right of action against Finsight.

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