StratMaker (142228)

CarMax Auto Owner Trust 2020-4

StratMaker Datatape Summary

Beginning Period

Dec 1, 2022

As % of Reporting Period ELA:

Ending Period

Dec 31, 2022

New % / Used %

0.47% / 99.53%

Total Original # of Loans

75,144

WA Loan to Value (LTV)

60.29%

Total Original Loan Amount (OLA)

$ 1,460,580,856

WA Payment to Income (PTI)

8.19%

Weighted Average (WA) OLA

$ 22,694

WA FICO (non-zero)

712

Rep. Period Beginning Loan Amount

$ 570,754,424

WA Remaining Term (RT)

37.20

Rep. Period Ending Loan Amount (ELA)

$ 548,243,705

WA Original APR

7.91%

Beginning Period

Dec 1, 2022

Ending Period

Dec 31, 2022

Total Original # of Loans

75,144

Total Original Loan Amount (OLA)

$ 1,460,580,856

Weighted Average (WA) OLA

$ 22,694

Rep. Period Beginning Loan Amount

$ 570,754,424

Rep. Period Ending Loan Amount (ELA)

$ 548,243,705

As % of Reporting Period ELA:

New % / Used %

0.47% / 99.53%

WA Loan to Value (LTV)

60.29%

WA Payment to Income (PTI)

8.19%

WA FICO (non-zero)

712

WA Remaining Term (RT)

37.20

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%	346,944	0.06%	1,998	639	28.58	5.77%
$5,000 - $9,999	4,856	6.46%	40,137,719	2.75%	13,045,833	2.38%	4,653	663	32.14	6.85%
$10,000 - $14,999	18,249	24.29%	234,587,860	16.06%	89,364,340	16.30%	7,624	651	34.97	8.18%
$15,000 - $19,999	22,773	30.31%	395,874,821	27.10%	156,145,342	28.48%	10,545	687	37.02	8.14%
$20,000 - $24,999	13,799	18.36%	307,124,304	21.03%	118,663,900	21.64%	13,593	713	37.96	7.83%
$25,000 - $29,999	7,681	10.22%	209,195,781	14.32%	77,625,797	14.16%	16,675	715	38.17	7.86%
$30,000 - $39,999	5,716	7.61%	193,565,107	13.25%	67,874,505	12.38%	20,943	719	38.76	7.69%
$40,000 - $49,999	1,402	1.87%	61,658,650	4.22%	19,815,791	3.61%	27,066	725	38.51	7.40%
$50,000 - $59,999	286	0.38%	15,133,926	1.04%	4,819,545	0.88%	32,324	718	37.94	7.15%
$60,000 - $69,999	30	0.04%	1,902,241	0.13%	541,708	0.10%	32,584	788	32.43	4.44%
$70,000 - $79,999	-	-	-	-	-	-	-	-	-	-
$80,000 - $89,999	-	-	-	-	-	-	-	-	-	-
$90,000 - $99,999	-	-	-	-	-	-	-	-	-	-
Over $100,000	-	-	-	-	-	-	-	-	-	-
Total:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	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	29,984	39.90%	562,816,322	38.53%	13,501,467	2.46%	3,843	698	27.91	5.78%
$5,000 - $9,999	18,854	25.09%	269,974,034	18.48%	148,004,357	27.00%	8,084	679	33.80	7.36%
$10,000 - $14,999	16,931	22.53%	341,081,005	23.35%	205,870,883	37.55%	12,319	700	37.86	7.99%
$15,000 - $19,999	6,380	8.49%	174,302,230	11.93%	108,801,730	19.85%	17,168	706	39.46	8.36%
$20,000 - $24,999	2,082	2.77%	72,015,388	4.93%	45,869,474	8.37%	22,120	705	40.40	8.47%
$25,000 - $29,999	652	0.87%	27,360,357	1.87%	17,599,699	3.21%	27,069	699	40.77	8.49%
$30,000 - $39,999	257	0.34%	12,809,538	0.88%	8,434,878	1.54%	32,962	695	41.65	8.85%
$40,000 - $49,999	4	0.01%	221,983	0.02%	161,216	0.03%	40,308	633	44.75	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:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	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	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	7.91%
Variable	-	-	-	-	-	-	-	-	-	-
Other	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	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	27.74%	396,299,836	27.13%	145,081,534	26.46%	12,463	800	34.06	3.53%
5.00 - 7.49%	15,143	20.15%	284,430,461	19.47%	106,467,593	19.42%	12,836	730	36.43	6.49%
7.50 - 9.99%	19,479	25.92%	389,550,878	26.67%	147,368,061	26.88%	13,892	678	38.33	9.06%
10.00 - 12.49%	11,984	15.95%	258,569,412	17.70%	99,762,791	18.20%	15,703	647	40.76	11.21%
12.50 - 14.99%	7,591	10.10%	129,628,297	8.88%	48,956,716	8.93%	12,877	466	37.57	13.69%
15.00 - 17.49%	100	0.13%	1,978,019	0.14%	607,010	0.11%	14,587	606	38.38	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:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	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%	80,743	0.01%	14,735	491	39.64	12.50%
500 - 549	598	0.80%	11,427,662	0.78%	3,966,086	0.72%	14,051	538	38.80	11.68%
550 - 599	3,660	4.87%	71,864,197	4.92%	26,529,930	4.84%	14,542	581	38.77	11.27%
600 - 649	12,803	17.04%	254,592,099	17.43%	96,980,546	17.69%	14,613	628	38.95	10.73%
650 - 699	16,811	22.37%	333,586,386	22.84%	126,007,475	22.98%	14,028	674	38.44	9.37%
700 - 749	14,939	19.88%	283,760,767	19.43%	107,666,059	19.64%	13,163	724	37.40	7.44%
750 - 799	11,823	15.73%	228,573,588	15.65%	84,974,586	15.50%	12,891	773	35.90	5.19%
800+	11,839	15.76%	241,313,078	16.52%	89,270,547	16.28%	13,182	834	34.61	3.90%
NA	2,662	3.54%	35,299,793	2.42%	12,767,733	2.33%	8,695	0	33.11	14.00%
Total:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	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%	459,046	0.08%	2,967	749	6.99	4.74%
37 - 48	1,751	2.33%	22,881,599	1.57%	4,839,553	0.88%	6,252	693	17.89	6.04%
49 - 60	17,436	23.20%	308,958,797	21.15%	107,162,590	19.55%	11,036	715	30.25	6.05%
61 - 72	42,358	56.37%	831,347,469	56.92%	319,723,586	58.32%	13,666	690	37.83	8.17%
73+	13,092	17.42%	291,532,664	19.96%	116,058,929	21.17%	15,891	694	42.81	9.00%
Total:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	7.91%

Remaining Term (Months)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Repaid	25,961	34.55%	520,005,746	35.60%	356	0.00%	148	622	0.00	7.17%
1 - 12	434	0.58%	5,499,788	0.38%	1,013,735	0.18%	3,398	731	7.51	5.33%
13 - 24	1,937	2.58%	28,477,301	1.95%	11,066,731	2.02%	7,195	700	19.78	6.13%
25 - 36	23,068	30.70%	416,458,461	28.51%	220,928,830	40.30%	11,410	707	31.51	6.49%
37 - 48	23,736	31.59%	489,962,387	33.55%	315,135,720	57.48%	15,302	688	41.90	8.98%
49 - 60	8	0.01%	177,174	0.01%	98,332	0.02%	16,298	610	51.85	5.00%
61 - 72	-	-	-	-	-	-	-	-	-	-
73+	-	-	-	-	-	-	-	-	-	-
Total:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	7.91%

Delinquency (Days)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Current	68,288	90.88%	1,320,626,334	90.42%	471,099,129	85.93%	13,141	707	36.90	7.48%
1 - 15	3,070	4.09%	62,654,996	4.29%	40,424,826	7.37%	15,548	640	38.67	10.12%
16 - 30	1,087	1.45%	22,418,169	1.53%	14,721,992	2.69%	16,071	624	39.38	10.56%
31 - 60	986	1.31%	20,207,041	1.38%	13,625,329	2.49%	16,607	599	39.56	11.31%
61 - 90	489	0.65%	10,357,978	0.71%	6,995,592	1.28%	17,609	599	39.46	11.46%
91 - 120	132	0.18%	2,624,672	0.18%	1,362,952	0.25%	16,575	586	39.50	11.31%
121+	1,092	1.45%	21,691,666	1.49%	13,885	0.00%	13,885	0	38.00	13.70%
Total:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	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	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	7.91%
Stated, verified to Level 3²	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	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	74,192	98.73%	1,447,771,040	99.12%	543,818,370	99.19%	13,587	701	37.24	7.86%
Stated, verified but not Level 4 or 5	952	1.27%	12,809,816	0.88%	4,425,335	0.81%	8,872	87	33.13	13.90%
Stated, verified to Level 4³	-	-	-	-	-	-	-	-	-	-
Stated, verified to Level 5³	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	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%	27,538	36.65%	486,181,826	33.29%	178,398,384	32.54%	12,034	740	35.67	6.01%
5.00 - 9.99%	28,208	37.54%	571,650,412	39.14%	217,961,857	39.76%	13,949	698	37.57	8.07%
10.00 - 14.99%	11,955	15.91%	245,201,998	16.79%	92,898,831	16.94%	14,482	653	38.44	9.61%
15.00 - 19.99%	4,659	6.20%	97,440,874	6.67%	36,568,293	6.67%	14,889	626	38.61	10.36%
20.00 - 24.99%	1,701	2.26%	36,525,152	2.50%	13,412,494	2.45%	15,607	611	38.58	10.65%
25.00 - 29.99%	687	0.91%	14,538,930	1.00%	5,710,516	1.04%	15,808	625	38.46	10.35%
30.00 - 39.99%	326	0.43%	7,155,048	0.49%	2,584,157	0.47%	15,163	618	37.66	9.87%
40.00 - 49.99%	51	0.07%	1,319,066	0.09%	558,611	0.10%	16,512	701	37.29	8.98%
50.00 - 59.99%	17	0.02%	500,314	0.03%	122,171	0.02%	19,355	760	38.35	7.64%
60.00 - 69.99%	1	0.00%	45,414	0.00%	23,363	0.00%	23,363	863	30.00	4.95%
70.00 - 79.99%	1	0.00%	21,822	0.00%	5,028	0.00%	5,028	852	9.00	2.95%
80.00 - 89.99%	-	-	-	-	-	-	-	-	-	-
90.00 - 99.99%	-	-	-	-	-	-	-	-	-	-
100.00%+	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	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%	165,826	0.03%	2,667	660	29.71	4.80%
25.00 - 49.99%	2,160	2.87%	19,335,036	1.32%	5,546,813	1.01%	5,701	717	31.97	4.50%
50.00 - 74.99%	9,330	12.42%	134,919,318	9.24%	45,850,965	8.36%	9,079	736	33.49	4.91%
75.00 - 99.99%	27,343	36.39%	522,113,355	35.75%	202,280,565	36.90%	12,710	711	36.29	6.79%
100.00 - 109.99%	18,172	24.18%	391,583,565	26.81%	149,929,177	27.35%	14,822	679	38.12	8.69%
110.00 - 119.99%	12,010	15.98%	261,485,069	17.90%	98,377,294	17.94%	15,120	676	38.76	9.50%
120.00 - 129.99%	4,355	5.80%	93,180,233	6.38%	33,125,528	6.04%	14,657	680	39.01	10.14%
130.00 - 139.99%	1,222	1.63%	28,100,351	1.92%	9,842,211	1.80%	16,505	678	40.05	10.77%
140.00%+	389	0.52%	9,151,298	0.63%	3,125,326	0.57%	16,261	687	39.51	10.56%
Total:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	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%	23,350,580	1.60%	9,071,174	1.65%	13,995	688	38.00	8.51%
Alaska	13	0.02%	235,027	0.02%	76,396	0.01%	10,949	709	34.32	8.40%
Arizona	1,073	1.43%	19,355,234	1.33%	6,980,997	1.27%	12,650	682	36.53	7.86%
Arkansas	87	0.12%	1,799,920	0.12%	665,256	0.12%	12,990	680	36.48	8.42%
California	13,148	17.50%	256,197,304	17.54%	95,366,665	17.39%	13,735	690	37.09	7.91%
Colorado	1,795	2.39%	34,775,814	2.38%	11,870,336	2.17%	13,227	725	36.18	6.94%
Connecticut	558	0.74%	10,701,114	0.73%	4,484,918	0.82%	13,283	711	36.97	7.81%
Delaware	351	0.47%	6,517,351	0.45%	2,648,361	0.48%	12,480	698	38.06	8.00%
Florida	5,448	7.25%	108,699,785	7.44%	38,847,904	7.09%	14,178	684	38.32	8.37%
Georgia	4,818	6.41%	92,347,186	6.32%	35,224,898	6.43%	13,703	679	38.02	8.67%
Hawaii	25	0.03%	483,910	0.03%	188,930	0.03%	14,167	694	38.22	8.00%
Idaho	228	0.30%	4,056,592	0.28%	1,345,856	0.25%	11,851	698	37.34	7.39%
Illinois	3,602	4.79%	68,534,605	4.69%	28,774,436	5.25%	13,141	709	37.08	7.37%
Indiana	1,163	1.55%	22,146,351	1.52%	8,618,409	1.57%	13,268	704	37.56	7.77%
Iowa	272	0.36%	5,052,727	0.35%	1,935,976	0.35%	12,542	707	36.40	7.60%
Kansas	919	1.22%	18,368,464	1.26%	6,593,103	1.20%	13,303	728	34.77	7.11%
Kentucky	827	1.10%	15,326,294	1.05%	5,930,396	1.08%	12,459	710	37.05	7.30%
Louisiana	1,039	1.38%	20,973,452	1.44%	8,580,867	1.57%	14,403	663	38.06	8.74%
Maine	118	0.16%	2,335,068	0.16%	855,068	0.16%	12,513	717	35.58	7.24%
Maryland	5,150	6.85%	104,046,987	7.12%	34,158,575	6.23%	13,227	710	35.20	7.47%
Massachusetts	943	1.25%	16,458,100	1.13%	6,855,393	1.25%	12,003	712	37.02	7.23%
Michigan	68	0.09%	1,275,469	0.09%	525,995	0.10%	12,319	687	36.40	7.84%
Minnesota	187	0.25%	3,683,243	0.25%	1,324,042	0.24%	12,519	691	36.45	7.88%
Mississippi	827	1.10%	16,476,289	1.13%	6,907,423	1.26%	14,209	667	38.11	9.30%
Missouri	1,114	1.48%	21,106,528	1.45%	7,315,764	1.33%	11,958	705	33.65	7.63%
Montana	27	0.04%	592,081	0.04%	183,346	0.03%	14,378	722	37.96	6.94%
Nebraska	328	0.44%	5,819,033	0.40%	2,220,371	0.40%	11,835	728	35.49	6.73%
Nevada	2,174	2.89%	44,296,122	3.03%	15,756,205	2.87%	14,124	695	37.59	7.82%
New Hampshire	105	0.14%	1,887,120	0.13%	685,455	0.13%	11,812	710	35.67	7.61%
New Jersey	589	0.78%	11,103,357	0.76%	4,808,804	0.88%	13,284	703	38.65	7.75%
New Mexico	512	0.68%	9,947,029	0.68%	3,872,306	0.71%	13,293	697	36.62	7.69%
New York	103	0.14%	1,865,221	0.13%	726,391	0.13%	13,418	677	36.87	8.13%
North Carolina	3,742	4.98%	71,823,019	4.92%	27,633,897	5.04%	13,696	697	38.10	8.14%
North Dakota	9	0.01%	192,080	0.01%	53,373	0.01%	14,366	757	35.17	6.03%
Ohio	1,325	1.76%	25,784,839	1.77%	10,283,418	1.88%	13,627	708	37.51	7.65%
Oklahoma	569	0.76%	10,723,623	0.73%	4,035,298	0.74%	12,524	698	36.58	7.62%
Oregon	653	0.87%	10,723,460	0.73%	3,645,094	0.66%	10,989	695	35.69	7.21%
Pennsylvania	1,063	1.41%	19,439,393	1.33%	8,082,391	1.47%	13,005	705	37.93	7.82%
Rhode Island	196	0.26%	3,199,553	0.22%	1,172,997	0.21%	11,183	694	36.64	8.04%
South Carolina	2,058	2.74%	39,123,666	2.68%	15,319,033	2.79%	13,054	696	37.77	8.10%
South Dakota	12	0.02%	235,650	0.02%	70,723	0.01%	11,678	679	37.67	9.70%
Tennessee	3,172	4.22%	62,153,892	4.26%	23,252,705	4.24%	13,583	702	37.47	7.81%
Texas	7,154	9.52%	144,916,473	9.92%	54,357,235	9.91%	14,301	682	37.49	8.46%
Utah	288	0.38%	5,308,823	0.36%	1,628,265	0.30%	12,409	725	34.75	6.40%
Vermont	11	0.01%	235,730	0.02%	98,007	0.02%	14,776	752	30.25	5.89%
Virginia	3,951	5.26%	76,385,103	5.23%	29,821,660	5.44%	13,499	717	37.21	7.19%
Washington	1,184	1.58%	22,084,001	1.51%	8,070,001	1.47%	13,037	694	36.56	7.65%
West Virginia	83	0.11%	1,732,690	0.12%	740,632	0.14%	14,105	687	37.97	7.87%
Wisconsin	695	0.92%	13,293,526	0.91%	5,393,586	0.98%	13,552	711	37.34	7.40%
Wyoming	32	0.04%	789,473	0.05%	253,206	0.05%	18,545	687	36.96	7.78%
American Samoa	-	-	-	-	-	-	-	-	-	-
Armed Forces Amer.	-	-	-	-	-	-	-	-	-	-
Armed Forces EMEA	6	0.01%	98,652	0.01%	30,191	0.01%	12,573	663	33.01	5.27%
Armed Forces Pacific	2	0.00%	41,583	0.00%	26,247	0.00%	13,417	730	39.98	11.90%
District of Columbia	135	0.18%	2,471,204	0.17%	875,729	0.16%	12,337	691	35.59	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:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	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%	2,574,207	0.47%	15,966	765	33.20	4.96%
Used	74,841	99.60%	1,452,588,671	99.45%	545,669,498	99.53%	13,537	695	37.22	7.92%
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	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%	590,398,168	40.42%	215,511,588	39.31%	11,658	668	37.08	8.61%
Truck	5,617	7.47%	151,703,763	10.39%	55,454,140	10.11%	17,868	724	37.50	7.38%
SUV	32,062	42.67%	671,810,950	46.00%	259,612,883	47.35%	14,266	711	37.29	7.49%
Motorcycle	-	-	-	-	-	-	-	-	-	-
Other	2,426	3.23%	46,667,974	3.20%	17,665,094	3.22%	12,506	718	36.54	7.22%
Unknown	-	-	-	-	-	-	-	-	-	-
Total:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	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%	52,882,690	9.65%	13,709	701	36.83	7.71%
Ford: Lincoln	510	0.68%	11,502,251	0.79%	4,290,794	0.78%	15,174	720	37.36	7.26%
Ford: Mercury	13	0.02%	156,216	0.01%	58,635	0.01%	6,857	702	32.28	9.11%
GMC	1,863	2.48%	47,595,475	3.26%	17,627,004	3.22%	17,502	712	38.09	7.76%
GMC: Buick	993	1.32%	17,705,164	1.21%	6,808,043	1.24%	11,595	694	37.40	7.99%
GMC: Cadillac	1,004	1.34%	27,209,135	1.86%	9,471,319	1.73%	18,431	702	37.39	7.95%
GMC: Chevrolet	6,046	8.05%	124,450,658	8.52%	47,578,409	8.68%	14,763	685	37.86	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%	2,327	0.00%	2,327	563	18.00	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%	15,060,665	2.75%	16,581	705	37.10	7.66%
BMW: Mini	494	0.66%	7,621,210	0.52%	2,563,314	0.47%	9,839	696	35.30	8.01%
Daimler: Freightliner	-	-	-	-	-	-	-	-	-	-
Daimler: Mercedes-Benz	1,625	2.16%	43,028,322	2.95%	14,279,197	2.60%	17,886	696	37.77	8.25%
Daimler: Smart	39	0.05%	383,164	0.03%	107,461	0.02%	6,483	622	35.42	9.52%
Fiat	296	0.39%	3,808,808	0.26%	1,215,726	0.22%	8,375	668	35.73	8.47%
Fiat: Alfa Romeo	-	-	-	-	-	-	-	-	-	-
Fiat: Chrysler	918	1.22%	18,170,157	1.24%	6,827,089	1.25%	12,999	689	37.11	8.00%
Fiat: Dodge	3,692	4.91%	86,585,294	5.93%	32,047,276	5.85%	16,099	700	38.40	8.15%
Fiat: Jeep	4,042	5.38%	82,828,744	5.67%	32,042,922	5.84%	13,763	704	37.52	7.78%
Fiat: Maserati	-	-	-	-	-	-	-	-	-	-
Geely: Volvo	611	0.81%	14,240,462	0.97%	4,972,678	0.91%	15,600	733	36.21	6.22%
Lotus	-	-	-	-	-	-	-	-	-	-
McLaren	-	-	-	-	-	-	-	-	-	-
Volkswagen	1,747	2.32%	26,662,397	1.83%	10,193,214	1.86%	10,213	676	36.45	8.19%
Volkswagen: Audi	1,314	1.75%	32,022,847	2.19%	11,458,349	2.09%	16,129	716	37.05	7.26%
Volkswagen: Bentley	-	-	-	-	-	-	-	-	-	-
Volkswagen: Porsche	224	0.30%	8,431,245	0.58%	2,622,221	0.48%	23,327	731	36.80	6.56%
Honda	5,592	7.44%	96,352,474	6.60%	37,471,713	6.83%	11,651	695	36.73	7.95%
Honda: Acura	1,049	1.40%	22,554,152	1.54%	8,645,887	1.58%	13,979	717	36.71	7.11%
Hyundai	5,369	7.14%	81,846,111	5.60%	31,851,548	5.81%	10,228	670	37.24	8.31%
Hyundai: Kia	4,387	5.84%	69,259,926	4.74%	28,208,486	5.15%	10,669	673	37.77	8.46%
Isuzu	-	-	-	-	-	-	-	-	-	-
Mazda	1,584	2.11%	25,834,227	1.77%	9,864,553	1.80%	10,903	691	36.65	7.98%
Mitsubishi	637	0.85%	9,845,141	0.67%	3,849,041	0.70%	10,426	660	37.49	9.07%
Nissan	8,923	11.87%	149,980,522	10.27%	59,410,548	10.84%	11,417	679	37.59	8.30%
Nissan: Infiniti	1,445	1.92%	34,410,264	2.36%	12,563,604	2.29%	15,924	698	37.69	8.20%
Saab	-	-	-	-	-	-	-	-	-	-
Subaru	2,246	2.99%	39,809,632	2.73%	15,474,869	2.82%	11,543	727	36.13	6.80%
Suzuki	-	-	-	-	-	-	-	-	-	-
Tata: Jaguar	284	0.38%	8,144,560	0.56%	2,598,147	0.47%	19,273	702	38.71	8.08%
Tata: Land Rover	585	0.78%	19,826,969	1.36%	6,800,644	1.24%	22,403	716	38.18	7.47%
Toyota	6,701	8.92%	122,505,581	8.39%	46,305,367	8.45%	12,333	711	35.92	7.29%
Toyota: Lexus	1,491	1.98%	35,282,566	2.42%	12,300,112	2.24%	15,376	718	36.01	7.33%
Toyota: Scion	177	0.24%	2,386,214	0.16%	789,855	0.14%	8,782	604	34.82	10.11%
Other	-	-	-	-	-	-	-	-	-	-
Unknown	-	-	-	-	-	-	-	-	-	-
Total:	75,144	100.00%	1,460,580,856	100.00%	548,243,705	100.00%	13,549	696	37.20	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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