StratMaker (142184)

CarMax Auto Owner Trust 2019-1

StratMaker Datatape Summary

Beginning Period

Dec 1, 2022

As % of Reporting Period ELA:

Ending Period

Dec 31, 2022

New % / Used %

0.29% / 99.71%

Total Original # of Loans

51,977

WA Loan to Value (LTV)

35.78%

Total Original Loan Amount (OLA)

$ 1,015,402,377

WA Payment to Income (PTI)

8.43%

Weighted Average (WA) OLA

$ 22,406

WA FICO (non-zero)

691

Rep. Period Beginning Loan Amount

$ 176,893,884

WA Remaining Term (RT)

18.98

Rep. Period Ending Loan Amount (ELA)

$ 163,968,866

WA Original APR

9.17%

Beginning Period

Dec 1, 2022

Ending Period

Dec 31, 2022

Total Original # of Loans

51,977

Total Original Loan Amount (OLA)

$ 1,015,402,377

Weighted Average (WA) OLA

$ 22,406

Rep. Period Beginning Loan Amount

$ 176,893,884

Rep. Period Ending Loan Amount (ELA)

$ 163,968,866

As % of Reporting Period ELA:

New % / Used %

0.29% / 99.71%

WA Loan to Value (LTV)

35.78%

WA Payment to Income (PTI)

8.43%

WA FICO (non-zero)

691

WA Remaining Term (RT)

18.98

WA Original APR

9.17%

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	160	0.31%	644,842	0.06%	44,665	0.03%	1,037	671	14.12	6.10%
$5,000 - $9,999	2,562	4.93%	21,379,411	2.11%	2,102,290	1.28%	2,247	671	14.38	7.91%
$10,000 - $14,999	12,249	23.57%	158,298,220	15.59%	22,004,438	13.42%	3,962	669	16.72	9.22%
$15,000 - $19,999	16,472	31.69%	286,608,127	28.23%	47,361,328	28.88%	5,877	682	18.84	9.51%
$20,000 - $24,999	10,378	19.97%	230,831,231	22.73%	39,206,621	23.91%	7,609	693	19.41	9.18%
$25,000 - $29,999	5,591	10.76%	152,477,893	15.02%	26,255,443	16.01%	9,629	693	19.89	9.26%
$30,000 - $39,999	3,614	6.95%	121,105,876	11.93%	20,497,284	12.50%	11,659	703	19.97	8.65%
$40,000 - $49,999	737	1.42%	32,491,837	3.20%	4,751,521	2.90%	15,301	709	20.14	8.30%
$50,000 - $59,999	194	0.37%	10,306,700	1.02%	1,618,685	0.99%	17,625	717	19.40	7.69%
$60,000 - $69,999	20	0.04%	1,258,239	0.12%	126,591	0.08%	14,988	781	14.78	5.19%
$70,000 - $79,999	-	-	-	-	-	-	-	-	-	-
$80,000 - $89,999	-	-	-	-	-	-	-	-	-	-
$90,000 - $99,999	-	-	-	-	-	-	-	-	-	-
Over $100,000	-	-	-	-	-	-	-	-	-	-
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

Reporting Period ELA	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
$0 - $4,999	37,084	71.35%	669,985,400	65.98%	42,092,860	25.67%	3,554	706	13.14	7.46%
$5,000 - $9,999	11,872	22.84%	250,646,760	24.68%	83,655,562	51.02%	7,310	689	20.19	9.35%
$10,000 - $14,999	2,570	4.94%	76,815,589	7.57%	30,349,730	18.51%	11,958	670	22.48	10.53%
$15,000 - $19,999	388	0.75%	14,910,666	1.47%	6,501,646	3.97%	16,858	654	23.75	11.20%
$20,000 - $24,999	61	0.12%	2,947,711	0.29%	1,316,332	0.80%	21,619	661	24.23	10.35%
$25,000 - $29,999	2	0.00%	96,251	0.01%	52,736	0.03%	26,423	631	25.48	11.97%
$30,000 - $39,999	-	-	-	-	-	-	-	-	-	-
$40,000 - $49,999	-	-	-	-	-	-	-	-	-	-
$50,000 - $59,999	-	-	-	-	-	-	-	-	-	-
$60,000 - $69,999	-	-	-	-	-	-	-	-	-	-
$70,000 - $79,999	-	-	-	-	-	-	-	-	-	-
$80,000 - $89,999	-	-	-	-	-	-	-	-	-	-
$90,000 - $99,999	-	-	-	-	-	-	-	-	-	-
Over $100,000	-	-	-	-	-	-	-	-	-	-
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

Original Interest Rate Type	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Fixed	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%
Variable	-	-	-	-	-	-	-	-	-	-
Other	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

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%	90,215	0.01%	0	0.00%	0	0	0.00	0.00%
2.50 - 4.99%	12,048	23.18%	235,264,369	23.17%	28,402,941	17.32%	5,881	798	15.86	4.35%
5.00 - 7.49%	11,640	22.39%	221,931,860	21.86%	31,267,778	19.07%	6,556	734	17.13	6.63%
7.50 - 9.99%	11,902	22.90%	236,835,440	23.32%	43,180,719	26.33%	7,861	680	19.89	8.86%
10.00 - 12.49%	7,536	14.50%	156,946,759	15.46%	30,479,840	18.59%	9,139	640	21.14	11.23%
12.50 - 14.99%	6,453	12.42%	119,844,404	11.80%	22,288,555	13.59%	8,779	598	20.20	13.92%
15.00 - 17.49%	2,393	4.60%	44,489,330	4.38%	8,349,033	5.09%	9,324	605	20.66	16.42%
17.50 - 19.99%	-	-	-	-	-	-	-	-	-	-
20.00 - 22.49%	-	-	-	-	-	-	-	-	-	-
22.50 - 24.99%	-	-	-	-	-	-	-	-	-	-
25.00 - 27.49%	-	-	-	-	-	-	-	-	-	-
27.50 - 29.99%	-	-	-	-	-	-	-	-	-	-
30.00%+	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

Original FICO Score	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Less than 500	15	0.03%	261,129	0.03%	56,412	0.03%	8,124	487	20.11	12.98%
500 - 549	1,005	1.93%	18,893,526	1.86%	3,465,768	2.11%	9,088	532	20.63	13.15%
550 - 599	4,425	8.51%	85,288,088	8.40%	16,149,132	9.85%	9,021	580	20.41	12.67%
600 - 649	9,960	19.16%	193,644,827	19.07%	35,676,465	21.76%	8,523	626	20.16	11.82%
650 - 699	11,275	21.69%	221,347,658	21.80%	38,158,263	23.27%	7,933	674	19.56	9.71%
700 - 749	9,430	18.14%	183,036,020	18.03%	29,128,387	17.76%	7,273	723	18.69	7.84%
750 - 799	7,581	14.59%	149,243,830	14.70%	21,101,235	12.87%	6,708	774	17.55	5.95%
800+	7,630	14.68%	155,889,081	15.35%	19,482,408	11.88%	6,335	832	16.51	4.90%
NA	656	1.26%	7,798,217	0.77%	750,796	0.46%	3,058	0	10.54	13.61%
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

Original Term (Months)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
0 - 24	-	-	-	-	-	-	-	-	-	-
25 - 36	158	0.30%	1,989,006	0.20%	0	0.00%	0	0	0.00	0.00%
37 - 48	861	1.66%	11,817,162	1.16%	5,039	0.00%	1,288	448	0.39	12.01%
49 - 60	10,918	21.01%	195,961,711	19.30%	18,440,492	11.25%	4,159	708	10.19	7.30%
61 - 72	29,460	56.68%	576,860,599	56.81%	95,559,682	58.28%	7,593	689	18.77	9.13%
73+	10,580	20.36%	228,773,898	22.53%	49,963,653	30.47%	9,232	679	22.62	9.92%
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

Remaining Term (Months)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Repaid	23,777	45.75%	459,451,619	45.25%	6,232	0.00%	1,051	503	0.00	14.03%
1 - 12	10,137	19.50%	185,810,223	18.30%	33,491,802	20.43%	4,039	711	10.06	7.06%
13 - 24	16,947	32.60%	344,601,321	33.94%	118,291,417	72.14%	8,263	688	20.79	9.45%
25 - 36	1,095	2.11%	25,128,836	2.47%	12,037,970	7.34%	12,419	629	25.66	12.30%
37 - 48	19	0.04%	377,657	0.04%	128,656	0.08%	9,896	651	42.87	5.60%
49 - 60	2	0.00%	32,721	0.00%	12,790	0.01%	7,009	631	54.96	4.33%
61 - 72	-	-	-	-	-	-	-	-	-	-
73+	-	-	-	-	-	-	-	-	-	-
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

Delinquency (Days)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Current	44,506	85.63%	863,344,940	85.02%	129,787,133	79.15%	7,146	702	18.59	8.51%
1 - 15	2,113	4.07%	42,926,444	4.23%	15,202,661	9.27%	8,886	649	19.67	10.94%
16 - 30	906	1.74%	18,715,675	1.84%	7,238,114	4.41%	9,799	632	20.94	11.77%
31 - 60	825	1.59%	17,228,493	1.70%	7,232,691	4.41%	10,729	623	21.28	12.37%
61 - 90	391	0.75%	8,223,987	0.81%	3,638,615	2.22%	11,573	616	21.01	12.76%
91 - 120	111	0.21%	2,303,013	0.23%	869,652	0.53%	11,907	614	20.58	12.11%
121+	3,125	6.01%	62,659,825	6.17%	0	0.00%	0	0	0.00	0.00%
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

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	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%
Stated, verified to Level 3²	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

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	51,672	99.41%	1,011,809,030	99.65%	163,632,096	99.79%	7,716	690	19.00	9.16%
Stated, verified but not Level 4 or 5	305	0.59%	3,593,347	0.35%	336,770	0.21%	3,020	49	10.45	13.72%
Stated, verified to Level 4³	-	-	-	-	-	-	-	-	-	-
Stated, verified to Level 5³	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

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%	19,211	36.96%	347,197,424	34.19%	48,880,578	29.81%	6,499	719	17.79	7.32%
5.00 - 9.99%	19,976	38.43%	400,834,608	39.48%	66,949,356	40.83%	7,854	684	19.26	9.35%
10.00 - 14.99%	8,304	15.98%	170,362,145	16.78%	30,662,610	18.70%	8,488	663	19.75	10.56%
15.00 - 19.99%	2,796	5.38%	58,748,201	5.79%	10,617,681	6.48%	8,791	659	19.87	11.24%
20.00 - 24.99%	1,000	1.92%	22,225,898	2.19%	3,970,662	2.42%	9,744	662	20.25	11.25%
25.00 - 29.99%	410	0.79%	9,240,742	0.91%	1,753,958	1.07%	9,628	658	19.82	11.39%
30.00 - 39.99%	228	0.44%	5,375,534	0.53%	914,443	0.56%	9,798	663	19.10	10.37%
40.00 - 49.99%	34	0.07%	850,770	0.08%	138,266	0.08%	7,841	711	18.11	8.76%
50.00 - 59.99%	15	0.03%	470,145	0.05%	63,010	0.04%	9,884	689	16.94	9.93%
60.00 - 69.99%	2	0.00%	63,809	0.01%	13,437	0.01%	13,437	593	24.00	8.45%
70.00 - 79.99%	1	0.00%	33,101	0.00%	4,866	0.00%	4,866	580	9.00	10.95%
80.00 - 89.99%	-	-	-	-	-	-	-	-	-	-
90.00 - 99.99%	-	-	-	-	-	-	-	-	-	-
100.00%+	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

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%	82	0.16%	363,921	0.04%	25,242	0.02%	1,004	698	12.92	5.14%
25.00 - 49.99%	1,107	2.13%	10,477,129	1.03%	886,447	0.54%	2,648	732	13.67	5.13%
50.00 - 74.99%	4,605	8.86%	67,718,527	6.67%	7,410,557	4.52%	4,553	734	15.59	5.76%
75.00 - 99.99%	15,094	29.04%	291,608,083	28.72%	42,705,010	26.04%	6,739	711	17.67	7.36%
100.00 - 109.99%	12,533	24.11%	260,787,319	25.68%	44,130,433	26.91%	8,052	686	19.11	9.28%
110.00 - 119.99%	11,152	21.46%	236,123,504	23.25%	42,878,319	26.15%	8,602	672	20.11	10.38%
120.00 - 129.99%	5,697	10.96%	112,863,126	11.12%	20,203,521	12.32%	8,156	663	20.14	11.12%
130.00 - 139.99%	1,379	2.65%	28,502,410	2.81%	4,706,584	2.87%	8,845	674	20.40	10.86%
140.00%+	328	0.63%	6,958,359	0.69%	1,022,753	0.62%	8,835	687	20.16	10.48%
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

Loans by State	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Alabama	779	1.50%	15,582,769	1.53%	2,513,534	1.53%	7,913	684	19.39	9.46%
Alaska	13	0.03%	246,944	0.02%	29,738	0.02%	5,012	697	14.72	8.75%
Arizona	699	1.34%	13,175,669	1.30%	1,864,411	1.14%	7,259	697	18.63	8.96%
Arkansas	85	0.16%	1,653,950	0.16%	273,251	0.17%	7,406	680	19.25	9.64%
California	8,602	16.55%	166,973,470	16.44%	26,370,282	16.08%	7,581	686	18.60	9.10%
Colorado	1,387	2.67%	27,979,118	2.76%	3,869,080	2.36%	7,552	707	18.10	8.39%
Connecticut	581	1.12%	10,890,798	1.07%	1,869,386	1.14%	7,539	702	18.96	8.57%
Delaware	270	0.52%	5,091,509	0.50%	848,470	0.52%	7,180	694	18.91	8.95%
Florida	4,316	8.30%	86,647,062	8.53%	14,128,137	8.62%	8,278	675	20.02	9.57%
Georgia	3,286	6.32%	64,890,341	6.39%	10,996,509	6.71%	8,134	678	19.47	9.74%
Hawaii	24	0.05%	427,941	0.04%	62,380	0.04%	7,897	613	21.46	10.84%
Idaho	150	0.29%	2,713,782	0.27%	383,360	0.23%	6,667	701	17.93	8.36%
Illinois	2,885	5.55%	55,344,622	5.45%	9,933,677	6.06%	7,386	701	18.78	8.66%
Indiana	828	1.59%	15,879,852	1.56%	2,485,546	1.52%	7,402	700	18.94	8.62%
Iowa	196	0.38%	3,698,253	0.36%	508,410	0.31%	7,010	700	18.49	8.74%
Kansas	573	1.10%	11,332,509	1.12%	1,735,423	1.06%	7,064	706	18.08	8.36%
Kentucky	592	1.14%	11,066,085	1.09%	1,742,541	1.06%	7,168	710	18.32	8.15%
Louisiana	351	0.68%	7,772,905	0.77%	1,344,640	0.82%	9,522	671	19.93	9.89%
Maine	68	0.13%	1,314,674	0.13%	180,601	0.11%	6,539	678	18.22	9.74%
Maryland	2,736	5.26%	53,886,971	5.31%	9,369,786	5.71%	7,853	690	19.02	9.09%
Massachusetts	613	1.18%	11,366,701	1.12%	1,808,566	1.10%	6,270	715	17.67	7.83%
Michigan	115	0.22%	2,187,323	0.22%	346,367	0.21%	6,387	686	17.83	9.10%
Minnesota	290	0.56%	5,563,740	0.55%	924,798	0.56%	7,154	679	18.34	9.14%
Mississippi	430	0.83%	8,935,233	0.88%	1,480,039	0.90%	8,745	668	18.90	10.43%
Missouri	683	1.31%	13,048,353	1.29%	2,115,115	1.29%	7,157	695	18.29	8.99%
Montana	30	0.06%	611,901	0.06%	70,962	0.04%	7,472	701	16.73	8.72%
Nebraska	199	0.38%	3,772,715	0.37%	541,622	0.33%	6,866	698	18.27	8.03%
Nevada	1,337	2.57%	26,532,506	2.61%	4,250,703	2.59%	7,749	689	19.41	9.56%
New Hampshire	86	0.17%	1,441,683	0.14%	200,748	0.12%	7,485	686	17.72	8.25%
New Jersey	442	0.85%	8,229,546	0.81%	1,522,037	0.93%	7,432	704	19.50	8.20%
New Mexico	350	0.67%	6,741,164	0.66%	1,025,808	0.63%	7,507	688	18.47	9.05%
New York	166	0.32%	3,159,827	0.31%	463,562	0.28%	7,059	674	17.71	9.11%
North Carolina	2,824	5.43%	54,311,827	5.35%	8,653,419	5.28%	7,496	687	19.33	9.44%
North Dakota	13	0.03%	237,150	0.02%	25,497	0.02%	5,617	676	13.82	10.52%
Ohio	1,086	2.09%	20,761,348	2.04%	3,432,586	2.09%	7,191	685	19.11	9.51%
Oklahoma	405	0.78%	7,502,610	0.74%	1,241,448	0.76%	7,427	677	18.94	9.45%
Oregon	385	0.74%	6,658,668	0.66%	919,188	0.56%	6,511	684	18.15	8.62%
Pennsylvania	735	1.41%	14,118,248	1.39%	2,217,415	1.35%	6,998	707	18.54	8.52%
Rhode Island	168	0.32%	3,137,561	0.31%	504,676	0.31%	6,788	689	19.47	8.69%
South Carolina	1,438	2.77%	27,501,521	2.71%	4,527,479	2.76%	7,637	681	18.95	9.62%
South Dakota	11	0.02%	197,601	0.02%	18,927	0.01%	6,145	764	17.89	5.72%
Tennessee	2,262	4.35%	44,944,371	4.43%	6,886,083	4.20%	7,820	695	19.09	9.04%
Texas	5,235	10.07%	106,386,785	10.48%	17,340,299	10.58%	8,386	675	19.33	9.79%
Utah	198	0.38%	3,576,722	0.35%	427,454	0.26%	6,244	722	16.71	7.80%
Vermont	13	0.03%	260,561	0.03%	25,533	0.02%	7,290	670	18.04	11.80%
Virginia	2,660	5.12%	51,636,145	5.09%	8,638,608	5.27%	7,392	708	18.51	8.36%
Washington	684	1.32%	12,684,467	1.25%	1,899,012	1.16%	7,297	690	18.13	8.68%
West Virginia	82	0.16%	1,619,283	0.16%	247,226	0.15%	7,206	694	18.20	9.31%
Wisconsin	449	0.86%	8,389,505	0.83%	1,214,816	0.74%	6,836	703	18.49	8.50%
Wyoming	30	0.06%	641,732	0.06%	62,083	0.04%	6,876	727	16.49	8.34%
American Samoa	-	-	-	-	-	-	-	-	-	-
Armed Forces Amer.	-	-	-	-	-	-	-	-	-	-
Armed Forces EMEA	5	0.01%	88,600	0.01%	10,934	0.01%	5,467	621	22.00	10.94%
Armed Forces Pacific	6	0.01%	155,557	0.02%	8,876	0.01%	4,482	706	10.45	5.85%
District of Columbia	115	0.22%	2,216,705	0.22%	397,271	0.24%	8,228	679	19.93	9.59%
Guam	-	-	-	-	-	-	-	-	-	-
Mariana Islands	-	-	-	-	-	-	-	-	-	-
Marshall Islands	-	-	-	-	-	-	-	-	-	-
Micronesia	-	-	-	-	-	-	-	-	-	-
Palau	-	-	-	-	-	-	-	-	-	-
Puerto Rico	10	0.02%	179,329	0.02%	10,543	0.01%	5,821	675	15.63	10.65%
Virgin Islands	1	0.00%	36,165	0.00%	0	0.00%	0	0	0.00	0.00%
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

Vehicle Status	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
New	128	0.25%	3,063,319	0.30%	467,435	0.29%	7,540	714	16.78	7.06%
Used	51,849	99.75%	1,012,339,058	99.70%	163,501,431	99.71%	7,706	688	18.99	9.17%
NA	-	-	-	-	-	-	-	-	-	-
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

Vehicle Type	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Car	27,008	51.96%	463,692,846	45.67%	74,982,042	45.73%	6,903	674	19.15	9.80%
Truck	3,664	7.05%	93,934,135	9.25%	15,150,174	9.24%	9,570	703	18.69	8.71%
SUV	19,467	37.45%	419,886,882	41.35%	67,890,470	41.40%	8,203	700	18.92	8.63%
Motorcycle	-	-	-	-	-	-	-	-	-	-
Other	1,838	3.54%	37,888,515	3.73%	5,946,179	3.63%	7,414	706	18.31	8.53%
Unknown	-	-	-	-	-	-	-	-	-	-
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

Manufacturer	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
DeLorean	-	-	-	-	-	-	-	-	-	-
Fisker Automotive	-	-	-	-	-	-	-	-	-	-
Ford	5,801	11.16%	112,875,618	11.12%	17,999,400	10.98%	7,561	695	18.70	8.97%
Ford: Lincoln	271	0.52%	6,201,689	0.61%	959,023	0.58%	8,225	681	18.93	9.33%
Ford: Mercury	31	0.06%	369,887	0.04%	52,035	0.03%	3,592	680	14.34	9.76%
GMC	1,237	2.38%	30,639,548	3.02%	4,869,261	2.97%	9,456	698	19.32	8.72%
GMC: Buick	769	1.48%	14,696,464	1.45%	2,432,699	1.48%	7,061	691	18.95	9.01%
GMC: Cadillac	616	1.19%	16,471,622	1.62%	2,798,940	1.71%	10,917	697	19.98	8.99%
GMC: Chevrolet	4,380	8.43%	89,428,616	8.81%	15,371,394	9.37%	8,365	682	19.54	9.57%
GMC: Hummer	3	0.01%	85,064	0.01%	10,343	0.01%	10,343	738	17.00	9.45%
GMC: Oldsmobile	-	-	-	-	-	-	-	-	-	-
GMC: Pontiac	13	0.03%	174,588	0.02%	19,731	0.01%	4,072	661	14.74	9.83%
GMC: Saturn	16	0.03%	187,767	0.02%	7,383	0.00%	1,975	664	9.73	8.57%
Tesla	1	0.00%	45,537	0.00%	11,779	0.01%	11,779	796	17.00	3.70%
VHPG	-	-	-	-	-	-	-	-	-	-
Aston Martin	-	-	-	-	-	-	-	-	-	-
BMW	1,387	2.67%	35,083,143	3.46%	4,848,069	2.96%	9,654	680	19.17	9.19%
BMW: Mini	365	0.70%	6,006,385	0.59%	702,000	0.43%	5,735	685	17.91	9.02%
Daimler: Freightliner	-	-	-	-	-	-	-	-	-	-
Daimler: Mercedes-Benz	1,139	2.19%	30,388,233	2.99%	4,928,548	3.01%	10,605	681	19.71	9.64%
Daimler: Smart	80	0.15%	761,876	0.08%	106,410	0.06%	3,445	648	17.92	11.06%
Fiat	316	0.61%	4,399,619	0.43%	676,391	0.41%	4,956	670	18.74	9.51%
Fiat: Alfa Romeo	-	-	-	-	-	-	-	-	-	-
Fiat: Chrysler	919	1.77%	17,831,486	1.76%	2,808,478	1.71%	7,260	672	19.25	9.82%
Fiat: Dodge	2,517	4.84%	56,285,484	5.54%	9,571,662	5.84%	9,024	680	19.82	9.69%
Fiat: Jeep	2,534	4.88%	52,546,853	5.17%	9,109,481	5.56%	7,784	701	19.26	8.76%
Fiat: Maserati	-	-	-	-	-	-	-	-	-	-
Geely: Volvo	258	0.50%	5,549,401	0.55%	681,032	0.42%	7,059	705	16.95	7.70%
Lotus	-	-	-	-	-	-	-	-	-	-
McLaren	-	-	-	-	-	-	-	-	-	-
Volkswagen	1,005	1.93%	15,833,886	1.56%	2,272,116	1.39%	5,758	670	18.30	9.91%
Volkswagen: Audi	489	0.94%	12,836,740	1.26%	1,871,154	1.14%	9,477	700	18.63	8.33%
Volkswagen: Bentley	-	-	-	-	-	-	-	-	-	-
Volkswagen: Porsche	84	0.16%	3,380,347	0.33%	375,185	0.23%	14,440	724	18.66	7.57%
Honda	4,017	7.73%	68,990,761	6.79%	10,709,672	6.53%	6,299	695	18.01	8.89%
Honda: Acura	828	1.59%	17,255,401	1.70%	2,750,019	1.68%	7,480	704	17.90	8.50%
Hyundai	3,405	6.55%	53,420,485	5.26%	8,941,126	5.45%	5,931	675	19.06	9.70%
Hyundai: Kia	2,475	4.76%	39,936,807	3.93%	6,639,906	4.05%	6,182	675	19.37	9.70%
Isuzu	-	-	-	-	-	-	-	-	-	-
Mazda	1,270	2.44%	20,879,031	2.06%	3,308,103	2.02%	6,130	690	18.64	9.07%
Mitsubishi	402	0.77%	6,175,671	0.61%	946,491	0.58%	5,992	661	19.52	10.03%
Nissan	6,195	11.92%	107,576,569	10.59%	18,605,539	11.35%	6,830	679	19.50	9.55%
Nissan: Infiniti	1,124	2.16%	27,274,760	2.69%	4,405,959	2.69%	9,405	689	19.18	8.98%
Saab	-	-	-	-	-	-	-	-	-	-
Subaru	961	1.85%	17,994,474	1.77%	2,521,520	1.54%	6,474	714	17.49	7.90%
Suzuki	-	-	-	-	-	-	-	-	-	-
Tata: Jaguar	144	0.28%	4,568,538	0.45%	699,885	0.43%	12,450	678	20.44	9.57%
Tata: Land Rover	346	0.67%	12,375,382	1.22%	1,703,828	1.04%	12,817	710	19.52	8.08%
Toyota	4,873	9.38%	88,716,959	8.74%	14,389,980	8.78%	6,808	697	18.07	8.72%
Toyota: Lexus	1,448	2.79%	34,363,052	3.38%	5,286,007	3.22%	8,828	703	18.39	8.43%
Toyota: Scion	258	0.50%	3,794,635	0.37%	578,319	0.35%	5,314	683	18.00	9.77%
Other	-	-	-	-	-	-	-	-	-	-
Unknown	-	-	-	-	-	-	-	-	-	-
Total:	51,977	100.00%	1,015,402,377	100.00%	163,968,866	100.00%	7,706	688	18.98	9.17%

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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