StratMaker (142216)

CarMax Auto Owner Trust 2022-3

StratMaker Datatape Summary

Beginning Period

Dec 1, 2022

As % of Reporting Period ELA:

Ending Period

Dec 31, 2022

New % / Used %

0.01% / 99.99%

Total Original # of Loans

70,740

WA Loan to Value (LTV)

81.02%

Total Original Loan Amount (OLA)

$ 1,722,374,528

WA Payment to Income (PTI)

9.20%

Weighted Average (WA) OLA

$ 28,140

WA FICO (non-zero)

709

Rep. Period Beginning Loan Amount

$ 1,200,034,160

WA Remaining Term (RT)

55.93

Rep. Period Ending Loan Amount (ELA)

$ 1,161,609,347

WA Original APR

8.33%

Beginning Period

Dec 1, 2022

Ending Period

Dec 31, 2022

Total Original # of Loans

70,740

Total Original Loan Amount (OLA)

$ 1,722,374,528

Weighted Average (WA) OLA

$ 28,140

Rep. Period Beginning Loan Amount

$ 1,200,034,160

Rep. Period Ending Loan Amount (ELA)

$ 1,161,609,347

As % of Reporting Period ELA:

New % / Used %

0.01% / 99.99%

WA Loan to Value (LTV)

81.02%

WA Payment to Income (PTI)

9.20%

WA FICO (non-zero)

709

WA Remaining Term (RT)

55.93

WA Original APR

8.33%

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	179	0.25%	688,958	0.04%	392,579	0.03%	3,117	680	43.61	4.79%
$5,000 - $9,999	2,005	2.83%	16,390,267	0.95%	8,293,380	0.71%	6,648	711	47.48	5.19%
$10,000 - $14,999	8,309	11.75%	107,486,186	6.24%	51,176,063	4.41%	10,490	692	48.74	7.10%
$15,000 - $19,999	15,481	21.88%	272,712,380	15.83%	156,894,811	13.51%	14,833	689	51.92	8.44%
$20,000 - $24,999	15,425	21.81%	345,656,190	20.07%	231,340,874	19.92%	19,432	704	55.24	8.79%
$25,000 - $29,999	12,317	17.41%	336,937,941	19.56%	238,506,794	20.53%	24,004	701	56.85	8.96%
$30,000 - $39,999	12,030	17.01%	409,452,981	23.77%	298,734,821	25.72%	30,100	710	57.89	8.27%
$40,000 - $49,999	3,806	5.38%	167,933,082	9.75%	127,038,640	10.94%	39,118	712	58.80	7.82%
$50,000 - $59,999	996	1.41%	53,025,623	3.08%	40,562,499	3.49%	46,680	726	58.05	6.90%
$60,000 - $69,999	192	0.27%	12,090,920	0.70%	8,668,887	0.75%	51,908	778	52.74	4.09%
$70,000 - $79,999	-	-	-	-	-	-	-	-	-	-
$80,000 - $89,999	-	-	-	-	-	-	-	-	-	-
$90,000 - $99,999	-	-	-	-	-	-	-	-	-	-
Over $100,000	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

Reporting Period ELA	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
$0 - $4,999	18,885	26.70%	383,182,000	22.25%	21,534,805	1.85%	3,269	698	13.61	7.93%
$5,000 - $9,999	4,361	6.16%	79,192,210	4.60%	31,865,407	2.74%	7,615	705	34.98	6.94%
$10,000 - $14,999	7,056	9.97%	110,863,524	6.44%	90,556,979	7.80%	12,991	696	52.02	7.26%
$15,000 - $19,999	11,889	16.81%	240,351,620	13.95%	208,981,569	17.99%	17,692	703	55.29	8.29%
$20,000 - $24,999	11,316	16.00%	286,389,350	16.63%	253,779,226	21.85%	22,518	704	57.39	8.81%
$25,000 - $29,999	8,230	11.63%	251,993,438	14.63%	224,760,698	19.35%	27,386	700	58.44	9.01%
$30,000 - $39,999	6,785	9.59%	258,544,347	15.01%	230,451,798	19.84%	34,191	711	59.29	8.15%
$40,000 - $49,999	1,949	2.76%	95,641,952	5.55%	85,636,609	7.37%	44,096	705	59.97	8.04%
$50,000 - $59,999	269	0.38%	16,216,087	0.94%	14,042,257	1.21%	52,242	762	56.52	5.13%
$60,000 - $69,999	-	-	-	-	-	-	-	-	-	-
$70,000 - $79,999	-	-	-	-	-	-	-	-	-	-
$80,000 - $89,999	-	-	-	-	-	-	-	-	-	-
$90,000 - $99,999	-	-	-	-	-	-	-	-	-	-
Over $100,000	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

Original Interest Rate Type	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Fixed	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%
Variable	-	-	-	-	-	-	-	-	-	-
Other	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

Original APR	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
0.00 - 2.49%	853	1.21%	21,067,312	1.22%	15,215,175	1.31%	24,386	799	48.38	2.23%
2.50 - 4.99%	19,968	28.23%	465,017,176	27.00%	296,371,732	25.51%	24,729	793	53.85	3.64%
5.00 - 7.49%	15,465	21.86%	371,475,982	21.57%	230,210,621	19.82%	25,232	737	54.73	6.54%
7.50 - 9.99%	14,413	20.37%	365,048,753	21.19%	241,332,837	20.78%	25,932	685	56.54	9.13%
10.00 - 12.49%	9,703	13.72%	256,110,228	14.87%	190,925,202	16.44%	27,178	652	59.15	11.10%
12.50 - 14.99%	6,767	9.57%	164,408,041	9.55%	125,102,835	10.77%	24,998	600	58.20	13.77%
15.00 - 17.49%	3,571	5.05%	79,247,037	4.60%	62,450,944	5.38%	21,822	588	55.24	16.28%
17.50 - 19.99%	-	-	-	-	-	-	-	-	-	-
20.00 - 22.49%	-	-	-	-	-	-	-	-	-	-
22.50 - 24.99%	-	-	-	-	-	-	-	-	-	-
25.00 - 27.49%	-	-	-	-	-	-	-	-	-	-
27.50 - 29.99%	-	-	-	-	-	-	-	-	-	-
30.00%+	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

Original FICO Score	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Less than 500	13	0.02%	292,868	0.02%	198,032	0.02%	25,760	492	48.22	12.67%
500 - 549	816	1.15%	19,473,473	1.13%	13,952,299	1.20%	25,021	538	56.77	13.26%
550 - 599	5,060	7.15%	123,077,766	7.15%	90,166,718	7.76%	25,538	580	57.04	13.03%
600 - 649	11,703	16.54%	285,420,367	16.57%	198,436,866	17.08%	25,499	626	56.84	11.83%
650 - 699	14,703	20.78%	361,897,586	21.01%	242,978,273	20.92%	25,642	675	56.78	9.71%
700 - 749	14,105	19.94%	341,345,848	19.82%	226,541,733	19.50%	25,232	724	56.18	7.55%
750 - 799	12,158	17.19%	296,708,718	17.23%	197,364,531	16.99%	25,236	774	55.10	5.32%
800+	11,483	16.23%	284,103,795	16.49%	185,071,433	15.93%	25,430	831	53.97	4.06%
NA	699	0.99%	10,054,106	0.58%	6,899,462	0.59%	13,856	0	51.09	14.79%
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

Original Term (Months)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
0 - 24	27	0.04%	238,864	0.01%	91,320	0.01%	6,175	739	14.98	5.13%
25 - 36	235	0.33%	3,774,335	0.22%	2,180,137	0.19%	15,898	751	26.61	4.68%
37 - 48	1,049	1.48%	17,768,992	1.03%	12,427,688	1.07%	17,164	741	36.82	5.67%
49 - 60	14,137	19.98%	314,713,977	18.27%	203,964,632	17.56%	23,303	720	50.04	6.91%
61 - 72	41,605	58.81%	1,013,777,020	58.86%	690,725,032	59.46%	25,207	703	56.51	8.47%
73+	13,687	19.35%	372,101,340	21.60%	252,220,538	21.71%	27,885	693	60.31	9.28%
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

Remaining Term (Months)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Repaid	10,037	14.19%	226,100,351	13.13%	64,914	0.01%	1,017	605	0.00	9.94%
1 - 12	6,812	9.63%	132,743,677	7.71%	15,826,265	1.36%	3,597	696	8.94	8.20%
13 - 24	3,506	4.96%	72,987,148	4.24%	18,003,405	1.55%	6,196	679	14.48	9.21%
25 - 36	558	0.79%	9,284,602	0.54%	6,539,443	0.56%	15,817	747	30.44	5.05%
37 - 48	4,387	6.20%	95,971,238	5.57%	74,684,204	6.43%	21,580	734	45.07	5.68%
49 - 60	29,492	41.69%	711,996,667	41.34%	617,444,806	53.15%	24,091	711	54.58	7.89%
61 - 72	15,948	22.54%	473,290,845	27.48%	429,046,309	36.94%	29,570	692	63.62	9.46%
73+	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

Delinquency (Days)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Current	62,809	88.79%	1,518,036,832	88.14%	1,001,919,657	86.25%	25,107	716	55.81	7.79%
1 - 15	4,062	5.74%	105,253,216	6.11%	83,093,205	7.15%	26,972	649	56.55	10.99%
16 - 30	1,567	2.22%	40,274,317	2.34%	31,791,203	2.74%	26,909	629	56.51	11.94%
31 - 60	1,289	1.82%	33,065,785	1.92%	27,668,996	2.38%	26,578	609	56.84	12.95%
61 - 90	650	0.92%	16,441,478	0.95%	13,374,994	1.15%	26,578	604	56.94	13.43%
91 - 120	207	0.29%	5,397,731	0.31%	3,761,292	0.32%	27,380	610	57.53	13.33%
121+	156	0.22%	3,905,168	0.23%	0	0.00%	0	0	0.00	0.00%
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

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	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%
Stated, verified to Level 3²	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

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	70,336	99.43%	1,714,328,953	99.53%	1,155,633,893	99.49%	25,355	706	55.93	8.31%
Stated, verified but not Level 4 or 5	404	0.57%	8,045,575	0.47%	5,975,453	0.51%	24,302	408	55.49	12.48%
Stated, verified to Level 4³	-	-	-	-	-	-	-	-	-	-
Stated, verified to Level 5³	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

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%	22,676	32.06%	489,885,841	28.44%	310,836,785	26.76%	23,007	745	54.21	5.91%
5.00 - 9.99%	26,731	37.79%	667,766,305	38.77%	448,295,389	38.59%	25,674	706	56.02	8.15%
10.00 - 14.99%	12,618	17.84%	325,891,328	18.92%	227,567,996	19.59%	26,237	677	56.83	9.94%
15.00 - 19.99%	5,181	7.32%	139,788,529	8.12%	102,291,046	8.81%	27,178	666	57.59	10.93%
20.00 - 24.99%	2,209	3.12%	60,740,889	3.53%	44,624,297	3.84%	27,410	659	57.59	11.45%
25.00 - 29.99%	850	1.20%	24,411,213	1.42%	18,041,815	1.55%	28,581	670	57.52	11.18%
30.00 - 39.99%	368	0.52%	10,305,190	0.60%	7,313,901	0.63%	28,745	682	56.93	9.99%
40.00 - 49.99%	70	0.10%	2,300,673	0.13%	1,626,630	0.14%	31,656	719	57.44	8.71%
50.00 - 59.99%	26	0.04%	842,623	0.05%	615,127	0.05%	29,895	706	58.06	9.76%
60.00 - 69.99%	7	0.01%	265,172	0.02%	235,279	0.02%	34,881	703	58.30	8.09%
70.00 - 79.99%	2	0.00%	79,276	0.00%	70,932	0.01%	35,580	794	60.36	5.37%
80.00 - 89.99%	1	0.00%	47,469	0.00%	43,295	0.00%	43,295	757	63.00	10.45%
90.00 - 99.99%	1	0.00%	50,020	0.00%	46,854	0.00%	46,854	674	64.00	9.45%
100.00%+	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

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%	433	0.61%	2,802,809	0.16%	1,764,086	0.15%	6,210	734	48.49	3.82%
25.00 - 49.99%	3,216	4.55%	41,958,133	2.44%	28,692,576	2.47%	12,992	749	51.11	4.14%
50.00 - 74.99%	10,639	15.04%	213,463,645	12.39%	149,785,236	12.89%	20,192	744	54.08	5.06%
75.00 - 99.99%	26,407	37.33%	675,640,926	39.23%	476,690,786	41.04%	26,026	713	56.43	7.62%
100.00 - 109.99%	16,523	23.36%	448,519,255	26.04%	305,815,833	26.33%	27,717	686	57.18	9.83%
110.00 - 119.99%	9,948	14.06%	258,925,578	15.03%	160,968,557	13.86%	26,536	678	55.85	10.73%
120.00 - 129.99%	2,926	4.14%	66,199,674	3.84%	31,632,828	2.72%	23,335	671	51.61	11.46%
130.00 - 139.99%	512	0.72%	11,781,591	0.68%	5,212,525	0.45%	23,562	679	49.03	11.35%
140.00%+	136	0.19%	3,082,916	0.18%	1,046,920	0.09%	21,531	684	45.29	11.22%
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

Loans by State	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Alabama	1,194	1.69%	29,181,131	1.69%	20,031,500	1.72%	25,287	689	56.72	9.34%
Alaska	13	0.02%	381,373	0.02%	233,385	0.02%	30,099	756	57.08	6.62%
Arizona	1,215	1.72%	29,284,964	1.70%	20,715,542	1.78%	25,593	710	56.13	8.05%
Arkansas	85	0.12%	2,213,980	0.13%	1,493,236	0.13%	26,594	709	54.58	8.06%
California	12,869	18.19%	315,874,174	18.34%	214,761,653	18.49%	25,942	709	55.52	7.89%
Colorado	1,741	2.46%	42,727,905	2.48%	29,517,496	2.54%	25,451	726	55.77	7.14%
Connecticut	618	0.87%	14,615,240	0.85%	9,217,504	0.79%	24,635	709	55.44	8.16%
Delaware	305	0.43%	6,955,252	0.40%	4,346,304	0.37%	23,597	711	53.56	7.66%
Florida	6,233	8.81%	156,654,819	9.10%	107,145,038	9.22%	26,153	693	56.98	8.92%
Georgia	4,856	6.86%	119,560,994	6.94%	83,647,033	7.20%	25,486	687	56.67	9.33%
Hawaii	17	0.02%	394,076	0.02%	201,875	0.02%	20,879	732	51.15	6.95%
Idaho	203	0.29%	4,723,725	0.27%	3,264,466	0.28%	24,169	710	55.78	7.65%
Illinois	3,192	4.51%	75,633,173	4.39%	48,460,788	4.17%	24,439	718	55.34	7.78%
Indiana	998	1.41%	23,673,081	1.37%	15,517,753	1.34%	24,270	723	56.02	7.64%
Iowa	229	0.32%	5,301,843	0.31%	3,257,428	0.28%	22,915	728	54.21	7.45%
Kansas	697	0.99%	16,131,187	0.94%	10,468,407	0.90%	23,910	725	54.50	7.46%
Kentucky	802	1.13%	19,064,005	1.11%	12,879,563	1.11%	24,714	720	55.84	7.45%
Louisiana	1,153	1.63%	29,622,002	1.72%	23,342,787	2.01%	26,258	680	57.91	9.62%
Maine	122	0.17%	3,186,904	0.19%	2,404,977	0.21%	27,050	722	55.51	7.12%
Maryland	2,832	4.00%	67,813,338	3.94%	43,399,252	3.74%	24,632	708	55.63	8.37%
Massachusetts	728	1.03%	16,886,844	0.98%	11,239,045	0.97%	24,464	722	55.84	7.42%
Michigan	73	0.10%	1,664,451	0.10%	677,732	0.06%	28,671	707	51.40	8.60%
Minnesota	301	0.43%	6,611,285	0.38%	4,427,916	0.38%	23,379	710	55.22	8.59%
Mississippi	759	1.07%	19,615,920	1.14%	13,815,570	1.19%	26,233	680	56.37	9.93%
Missouri	764	1.08%	17,136,370	0.99%	10,139,045	0.87%	22,869	711	53.82	8.33%
Montana	19	0.03%	483,391	0.03%	265,710	0.02%	22,213	743	53.98	7.97%
Nebraska	274	0.39%	6,408,345	0.37%	4,614,023	0.40%	23,414	741	55.31	6.77%
Nevada	1,777	2.51%	44,595,462	2.59%	29,746,140	2.56%	26,002	713	55.10	7.89%
New Hampshire	85	0.12%	2,056,517	0.12%	1,507,018	0.13%	24,753	719	57.73	7.19%
New Jersey	542	0.77%	12,766,687	0.74%	8,702,138	0.75%	25,325	718	55.74	7.76%
New Mexico	472	0.67%	11,313,042	0.66%	7,579,452	0.65%	25,372	704	55.72	8.21%
New York	42	0.06%	1,016,329	0.06%	759,238	0.07%	25,585	693	57.16	8.46%
North Carolina	3,722	5.26%	89,968,852	5.22%	59,343,518	5.11%	25,038	704	56.42	8.53%
North Dakota	8	0.01%	187,752	0.01%	74,015	0.01%	15,838	656	55.13	8.33%
Ohio	1,114	1.57%	27,047,640	1.57%	17,903,940	1.54%	25,556	705	55.71	8.49%
Oklahoma	544	0.77%	12,765,964	0.74%	8,616,830	0.74%	24,274	693	55.67	8.67%
Oregon	513	0.73%	11,228,851	0.65%	7,529,504	0.65%	22,325	704	54.85	7.95%
Pennsylvania	989	1.40%	23,386,883	1.36%	16,073,791	1.38%	24,830	711	56.00	7.87%
Rhode Island	177	0.25%	3,956,753	0.23%	2,531,840	0.22%	23,610	710	55.09	7.72%
South Carolina	1,998	2.82%	46,318,869	2.69%	31,390,350	2.70%	23,889	697	55.95	8.82%
South Dakota	15	0.02%	333,538	0.02%	179,481	0.02%	22,891	767	51.15	5.03%
Tennessee	2,642	3.73%	63,825,180	3.71%	41,337,192	3.56%	24,683	711	55.15	8.05%
Texas	8,036	11.36%	202,910,147	11.78%	136,889,004	11.78%	26,033	698	56.21	8.68%
Utah	277	0.39%	6,477,201	0.38%	4,275,242	0.37%	25,070	725	54.43	7.21%
Vermont	9	0.01%	156,460	0.01%	85,945	0.01%	17,802	774	48.81	4.01%
Virginia	3,611	5.10%	85,455,647	4.96%	56,731,995	4.88%	24,662	715	55.52	7.98%
Washington	1,013	1.43%	24,526,641	1.42%	17,012,263	1.46%	25,347	706	55.20	7.94%
West Virginia	67	0.09%	1,691,951	0.10%	1,153,058	0.10%	26,275	687	56.10	9.36%
Wisconsin	654	0.92%	15,238,060	0.88%	10,712,128	0.92%	23,884	705	56.51	8.45%
Wyoming	28	0.04%	698,686	0.04%	406,918	0.04%	25,644	697	57.34	8.71%
American Samoa	-	-	-	-	-	-	-	-	-	-
Armed Forces Amer.	-	-	-	-	-	-	-	-	-	-
Armed Forces EMEA	-	-	-	-	-	-	-	-	-	-
Armed Forces Pacific	1	0.00%	31,416	0.00%	27,500	0.00%	27,500	585	60.00	9.45%
District of Columbia	110	0.16%	2,558,999	0.15%	1,538,937	0.13%	24,389	706	53.34	8.48%
Guam	1	0.00%	19,294	0.00%	16,884	0.00%	16,884	816	52.00	2.95%
Mariana Islands	-	-	-	-	-	-	-	-	-	-
Marshall Islands	-	-	-	-	-	-	-	-	-	-
Micronesia	-	-	-	-	-	-	-	-	-	-
Palau	-	-	-	-	-	-	-	-	-	-
Puerto Rico	1	0.00%	41,937	0.00%	0	0.00%	0	0	0.00	0.00%
Virgin Islands	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

Vehicle Status	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
New	38	0.05%	1,014,731	0.06%	61,747	0.01%	5,431	716	11.91	6.34%
Used	70,702	99.95%	1,721,359,797	99.94%	1,161,547,599	99.99%	25,350	705	55.93	8.34%
NA	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

Vehicle Type	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Car	29,615	41.86%	626,988,584	36.40%	404,786,781	34.85%	22,205	687	55.31	9.14%
Truck	6,722	9.50%	206,535,331	11.99%	142,419,561	12.26%	30,342	724	55.91	7.47%
SUV	29,356	41.50%	756,385,407	43.92%	517,148,064	44.52%	26,159	712	56.25	7.96%
Motorcycle	-	-	-	-	-	-	-	-	-	-
Other	2,132	3.01%	52,970,669	3.08%	34,443,911	2.97%	25,307	726	54.98	7.41%
Unknown	2,915	4.12%	79,494,537	4.62%	62,811,030	5.41%	27,651	705	57.81	8.66%
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

Manufacturer	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
DeLorean	-	-	-	-	-	-	-	-	-	-
Fisker Automotive	-	-	-	-	-	-	-	-	-	-
Ford	6,666	9.42%	161,212,955	9.36%	105,322,514	9.07%	25,080	704	55.34	8.35%
Ford: Lincoln	402	0.57%	10,861,507	0.63%	7,083,926	0.61%	27,357	715	55.02	8.07%
Ford: Mercury	5	0.01%	83,313	0.00%	37,466	0.00%	17,494	776	56.12	7.93%
GMC	1,550	2.19%	46,483,879	2.70%	30,241,553	2.60%	29,879	711	55.41	8.14%
GMC: Buick	769	1.09%	16,386,352	0.95%	9,201,226	0.79%	20,278	700	53.61	8.79%
GMC: Cadillac	801	1.13%	22,893,121	1.33%	13,374,543	1.15%	28,711	698	54.48	8.58%
GMC: Chevrolet	5,795	8.19%	146,729,151	8.52%	94,978,398	8.18%	26,753	698	55.75	8.71%
GMC: Hummer	2	0.00%	50,960	0.00%	653	0.00%	653	665	3.00	6.95%
GMC: Oldsmobile	-	-	-	-	-	-	-	-	-	-
GMC: Pontiac	4	0.01%	50,659	0.00%	1,072	0.00%	1,072	699	7.00	6.95%
GMC: Saturn	2	0.00%	16,849	0.00%	132	0.00%	132	592	1.00	6.45%
Tesla	505	0.71%	22,188,191	1.29%	17,116,119	1.47%	40,953	728	58.74	6.24%
VHPG	-	-	-	-	-	-	-	-	-	-
Aston Martin	-	-	-	-	-	-	-	-	-	-
BMW	1,754	2.48%	52,781,310	3.06%	36,270,675	3.12%	29,660	707	55.92	8.13%
BMW: Mini	443	0.63%	8,557,670	0.50%	5,655,170	0.49%	18,726	714	54.10	7.73%
Daimler: Freightliner	-	-	-	-	-	-	-	-	-	-
Daimler: Mercedes-Benz	1,754	2.48%	54,051,498	3.14%	35,763,790	3.08%	29,765	698	55.78	8.64%
Daimler: Smart	46	0.07%	535,157	0.03%	218,027	0.02%	10,817	683	48.77	9.59%
Fiat	241	0.34%	3,830,341	0.22%	2,452,174	0.21%	15,811	679	54.07	9.15%
Fiat: Alfa Romeo	-	-	-	-	-	-	-	-	-	-
Fiat: Chrysler	935	1.32%	22,726,959	1.32%	14,759,005	1.27%	24,725	705	55.92	8.69%
Fiat: Dodge	3,216	4.55%	93,885,992	5.45%	63,965,328	5.51%	29,839	695	56.71	8.86%
Fiat: Jeep	4,331	6.12%	111,739,875	6.49%	77,481,586	6.67%	26,191	707	56.94	8.23%
Fiat: Maserati	-	-	-	-	-	-	-	-	-	-
Geely: Volvo	371	0.52%	9,958,528	0.58%	7,076,518	0.61%	27,136	722	55.54	7.16%
Lotus	-	-	-	-	-	-	-	-	-	-
McLaren	-	-	-	-	-	-	-	-	-	-
Volkswagen	2,028	2.87%	45,038,328	2.61%	33,555,454	2.89%	22,901	696	57.41	8.60%
Volkswagen: Audi	1,011	1.43%	30,503,606	1.77%	21,131,056	1.82%	29,411	714	56.01	7.74%
Volkswagen: Bentley	-	-	-	-	-	-	-	-	-	-
Volkswagen: Porsche	222	0.31%	9,504,495	0.55%	6,436,164	0.55%	39,266	737	53.90	6.25%
Honda	6,683	9.45%	147,494,561	8.56%	102,800,162	8.85%	22,122	707	55.92	8.35%
Honda: Acura	794	1.12%	19,934,601	1.16%	12,605,420	1.09%	25,325	710	55.51	8.26%
Hyundai	3,681	5.20%	71,889,266	4.17%	47,541,085	4.09%	20,246	684	55.74	9.17%
Hyundai: Kia	2,920	4.13%	60,155,429	3.49%	39,823,750	3.43%	21,596	686	56.25	9.36%
Isuzu	-	-	-	-	-	-	-	-	-	-
Mazda	1,744	2.47%	36,241,008	2.10%	25,725,276	2.21%	20,742	705	56.07	8.34%
Mitsubishi	548	0.77%	10,348,129	0.60%	7,378,220	0.64%	18,967	661	57.62	10.17%
Nissan	6,161	8.71%	123,756,938	7.19%	77,786,587	6.70%	20,451	686	55.28	9.41%
Nissan: Infiniti	939	1.33%	25,679,573	1.49%	16,116,298	1.39%	26,043	703	55.30	8.55%
Saab	-	-	-	-	-	-	-	-	-	-
Subaru	2,313	3.27%	53,128,378	3.08%	37,835,546	3.26%	22,577	733	56.10	6.95%
Suzuki	-	-	-	-	-	-	-	-	-	-
Tata: Jaguar	215	0.30%	7,205,489	0.42%	5,240,082	0.45%	31,533	702	56.60	8.21%
Tata: Land Rover	371	0.52%	14,142,564	0.82%	10,022,857	0.86%	36,726	716	56.19	7.21%
Toyota	9,283	13.12%	220,507,156	12.80%	154,317,310	13.28%	24,532	716	55.98	7.78%
Toyota: Lexus	2,041	2.89%	58,806,849	3.41%	40,782,362	3.51%	28,798	725	55.65	7.28%
Toyota: Scion	194	0.27%	3,013,892	0.17%	1,511,842	0.13%	14,102	647	48.14	10.14%
Other	-	-	-	-	-	-	-	-	-	-
Unknown	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,374,528	100.00%	1,161,609,347	100.00%	25,349	705	55.93	8.33%

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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