BMW Vehicle Owner Trust 2020-A

StratMaker Datatape Summary

Beginning Period
Dec 1, 2022
As % of Reporting Period ELA:
Ending Period
Dec 31, 2022
New % / Used %
68.69% / 31.31%
Total Original # of Loans
37,090
WA Loan to Value (LTV)
32.75%
Total Original Loan Amount (OLA)
$ 1,394,395,294
WA Payment to Income (PTI)
6.60%
Weighted Average (WA) OLA
$ 46,152
WA FICO (non-zero)
783
Rep. Period Beginning Loan Amount
$ 218,896,127
WA Remaining Term (RT)
25.00
Rep. Period Ending Loan Amount (ELA)
$ 204,373,279
WA Original APR
3.56%
Beginning Period
Dec 1, 2022
Ending Period
Dec 31, 2022
Total Original # of Loans
37,090
Total Original Loan Amount (OLA)
$ 1,394,395,294
Weighted Average (WA) OLA
$ 46,152
Rep. Period Beginning Loan Amount
$ 218,896,127
Rep. Period Ending Loan Amount (ELA)
$ 204,373,279
As % of Reporting Period ELA:
New % / Used %
68.69% / 31.31%
WA Loan to Value (LTV)
32.75%
WA Payment to Income (PTI)
6.60%
WA FICO (non-zero)
783
WA Remaining Term (RT)
25.00
WA Original APR
3.56%

Filters

Filters Applied
-
Loans Excluded
-
OLA of Excluded Loans
$ 0
ELA of Excluded Loans
$ 0
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
30.01%13,7390.00%00.00%000.000.00%
5341.44%4,270,4990.31%312,9790.15%2,81177020.404.43%
1,3653.68%16,946,9161.22%1,761,3400.86%4,53578321.493.94%
2,4646.64%43,552,4993.12%5,782,5002.83%6,60178123.213.69%
4,26111.49%96,306,2836.91%14,726,1427.21%8,78778024.633.65%
5,05513.63%139,081,1589.97%21,488,24910.51%10,57278024.683.50%
9,94126.80%345,455,62024.77%51,891,84525.39%13,44878425.073.42%
6,42217.31%285,506,41720.48%41,924,79020.51%17,48678125.663.48%
3,3939.15%184,623,34413.24%26,153,94712.80%20,81178924.873.47%
1,7894.82%115,406,6308.28%17,072,0788.35%24,92678424.443.62%
8502.29%63,226,6594.53%8,811,8104.31%29,62578325.643.91%
4381.18%36,931,3312.65%6,226,7803.05%34,01778425.424.02%
2020.54%19,148,3351.37%2,951,7001.44%40,32178726.944.06%
3731.01%43,925,8633.15%5,269,1182.58%46,30678524.564.13%
Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
23,33162.90%848,743,35860.87%8,142,1643.98%3,56078712.042.90%
4,66812.59%138,932,9989.96%35,509,87817.38%7,88078618.843.25%
4,14911.19%147,316,76710.56%51,210,29425.06%12,51378723.893.38%
2,4796.68%107,532,1497.71%42,797,28720.94%17,38278327.053.55%
1,2963.49%68,156,0424.89%28,795,74314.09%22,31178028.513.70%
5901.59%36,444,5342.61%16,062,4177.86%27,29478029.443.90%
4121.11%30,917,3212.22%13,944,2176.82%34,08677629.734.15%
1160.31%10,666,8460.76%5,079,9132.49%43,95077531.494.41%
370.10%3,995,7220.29%1,990,6630.97%53,94176332.944.91%
60.02%763,1290.05%372,8540.18%62,19177131.394.64%
40.01%576,5260.04%296,0670.14%74,08777833.474.75%
20.01%349,9030.03%171,7820.08%86,08670430.766.31%
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Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
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Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
13,34435.98%497,793,68135.70%55,752,12327.28%14,17880320.872.11%
21,18657.12%806,916,97157.87%134,290,71165.71%18,87578426.423.82%
2,1165.71%75,267,5205.40%11,744,0585.75%22,22072027.316.17%
3801.02%12,971,5130.93%2,311,5641.13%20,76164129.768.88%
550.15%1,114,0050.08%165,3740.08%10,37764624.8011.13%
80.02%286,6050.02%109,4480.05%40,36961733.7314.76%
10.00%45,0000.00%00.00%000.000.00%
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Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
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5741.55%20,196,5961.45%3,385,8411.66%18,81763228.507.63%
2,8817.77%104,207,9027.47%14,564,2967.13%18,92368027.445.16%
7,84821.16%301,532,49921.62%46,581,84022.79%18,29272426.263.60%
8,82823.80%334,129,26423.96%50,126,32124.53%18,18977425.223.42%
16,95945.72%634,329,03345.49%89,714,98043.90%17,13484123.693.20%
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Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
3210.87%6,820,4760.49%00.00%000.000.00%
5381.45%13,740,3440.99%33,5780.02%2,0578002.343.28%
1,3323.59%38,273,4592.74%2,721,4481.33%9,71480111.442.92%
18,06848.71%654,918,87346.97%94,699,03546.34%16,38780121.003.12%
16,83145.38%680,642,14248.81%106,919,21752.32%19,28476728.903.96%
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Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
20,61455.58%773,780,76355.49%343,4150.17%7,93472626.024.34%
2,7737.48%104,167,6247.47%12,440,7856.09%6,8937908.902.58%
7,88121.25%292,558,34320.98%89,451,91043.77%14,75679420.013.24%
4,85413.09%186,053,59413.34%81,953,37340.10%21,10177729.723.89%
9682.61%37,834,9712.71%20,183,7969.88%24,89375937.854.22%
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Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
34,83193.91%1,301,826,69893.36%195,500,35095.66%17,65578624.893.51%
1,7754.79%71,905,3825.16%5,462,8772.67%20,21473427.014.47%
3200.86%13,694,9680.98%1,831,9590.90%22,01471928.934.77%
910.25%3,767,9510.27%857,5140.42%21,55271526.834.93%
360.10%1,530,1050.11%406,0890.20%23,54072926.714.51%
190.05%823,5140.06%152,7370.07%18,59069123.085.13%
180.05%846,6770.06%161,7520.08%43,73169634.924.94%
Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
----------
37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
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Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
----------
37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
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Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
18,69350.40%638,412,71245.78%92,630,66045.32%16,49379424.383.44%
13,02235.11%514,203,62536.88%77,017,64237.68%17,91877925.273.57%
3,76910.16%166,354,46511.93%23,998,46611.74%20,08076425.713.76%
1,0352.79%48,720,6383.49%6,714,8773.29%21,58576326.603.98%
3150.85%15,114,3701.08%2,372,9911.16%27,65975927.264.16%
1010.27%5,001,1360.36%683,5640.33%27,98576427.874.00%
690.19%3,287,5280.24%482,2150.24%19,90478623.424.35%
270.07%1,165,2990.08%149,8970.07%24,56674929.394.21%
220.06%800,5440.06%102,3800.05%23,50181827.093.39%
190.05%779,9950.06%160,6660.08%27,61472432.375.72%
90.02%291,6700.02%19,4540.01%10,38578431.653.59%
20.01%37,8300.00%6960.00%6967622.003.54%
70.02%225,4840.02%39,7720.02%13,60581829.702.61%
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Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
8082.18%9,152,9360.66%672,6810.33%5,41280121.503.39%
4,20011.32%95,627,3906.86%13,181,7846.45%9,86780423.383.35%
10,78229.07%355,643,24425.51%52,032,16825.46%13,91679224.263.39%
13,71836.99%583,190,78741.82%87,738,74242.93%18,81678624.823.47%
3,94510.64%182,796,66713.11%27,875,04413.64%22,49776925.973.86%
2,3226.26%107,071,5267.68%15,046,4687.36%22,03376127.423.98%
1,3133.54%60,861,5444.36%7,812,1713.82%22,11075626.814.10%
20.01%51,2010.00%14,2210.01%14,22169627.005.63%
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Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
4291.16%16,832,5061.21%2,194,6531.07%17,39277226.423.66%
280.08%1,178,0100.08%156,4360.08%20,49274925.944.13%
7912.13%29,033,1992.08%3,776,9741.85%17,93477925.693.80%
2390.64%9,930,5320.71%1,148,7780.56%19,20277324.813.41%
6,48017.47%223,697,26316.04%34,507,66516.88%16,36877424.933.72%
8362.25%31,710,7202.27%4,649,0112.27%17,22179124.643.43%
6981.88%22,646,3411.62%3,647,4131.78%16,36678724.523.55%
1730.47%6,729,3840.48%962,4420.47%16,25780323.773.44%
2,8747.75%108,397,9037.77%14,955,6867.32%18,09078625.063.60%
1,4063.79%56,986,5664.09%7,826,8463.83%18,76077425.523.59%
1590.43%5,719,1640.41%855,5770.42%18,63874326.854.87%
700.19%2,724,9070.20%230,2060.11%12,25776024.433.42%
1,5904.29%64,248,3244.61%10,284,6705.03%18,79478924.503.29%
3761.01%14,819,9131.06%1,587,9650.78%18,50179324.323.20%
1160.31%4,557,0920.33%459,9700.23%16,13081321.662.95%
1710.46%6,821,7860.49%871,4830.43%20,11079526.883.36%
1990.54%7,873,2350.56%1,220,6600.60%20,31479225.873.50%
4431.19%18,964,2931.36%3,178,9981.56%19,73777726.613.91%
1480.40%5,445,3280.39%926,1940.45%17,79678226.183.66%
480.13%1,857,5530.13%369,4220.18%21,12175526.023.60%
1,3243.57%47,590,9223.41%6,543,9903.20%15,71179523.593.41%
5011.35%19,293,0481.38%2,637,2641.29%17,23678623.473.49%
4851.31%19,118,7151.37%2,742,6561.34%17,56979923.673.39%
2540.68%11,282,7350.81%1,506,4900.74%20,56478325.453.66%
4101.11%15,972,4391.15%2,186,6831.07%17,55378925.453.47%
250.07%1,064,2350.08%167,4830.08%20,54874824.523.83%
1200.32%4,610,5730.33%689,0510.34%18,60680224.653.40%
3290.89%11,595,2490.83%1,443,3710.71%15,14576125.163.82%
2650.71%8,909,7330.64%1,222,9310.60%14,15578724.383.52%
1,6314.40%56,916,3674.08%9,104,4004.45%15,62078224.963.71%
1490.40%5,353,8280.38%640,8590.31%16,87180324.983.29%
1,5094.07%51,303,2073.68%8,080,0533.95%15,89978324.913.60%
1,2033.24%48,589,2403.48%7,303,2683.57%21,64078226.483.71%
120.03%406,5890.03%31,9610.02%7,19380419.482.60%
9912.67%36,454,3512.61%5,603,1812.74%17,15079724.343.51%
2520.68%10,697,3920.77%1,474,7240.72%20,76278625.113.35%
3460.93%11,517,7160.83%1,635,4620.80%16,77378425.583.52%
1,8344.94%65,092,8534.67%10,766,4505.27%17,58979724.723.25%
1770.48%6,003,0610.43%936,3640.46%18,06878826.713.44%
7351.98%26,209,4201.88%3,791,0961.85%17,94978026.643.67%
250.07%996,7590.07%105,5100.05%17,37679325.883.29%
5351.44%22,232,7471.59%2,954,3081.45%19,13778825.423.61%
4,08511.01%172,001,02712.34%25,089,78212.28%20,11277825.233.52%
1570.42%5,733,3080.41%642,4180.31%15,33577723.833.53%
800.22%2,386,7110.17%323,0040.16%11,96679324.223.20%
1,0632.87%42,520,7513.05%6,041,6312.96%18,15778825.023.61%
8182.21%31,228,7712.24%4,215,1672.06%17,54778823.933.37%
800.22%3,075,7980.22%388,4580.19%15,71280323.142.95%
3871.04%14,641,3491.05%2,100,6021.03%15,95980523.523.19%
320.09%1,357,8880.10%193,6130.09%19,43579223.013.24%
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20.01%64,4940.00%00.00%000.000.00%
Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
24,09164.95%1,000,478,78071.75%140,376,19668.69%19,75978924.643.40%
12,99935.05%393,916,51428.25%63,997,08331.31%13,54077125.793.92%
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Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
19,62352.91%705,157,65950.57%94,031,63646.01%16,09377924.623.62%
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16,47244.41%672,788,13048.25%108,415,70553.05%19,49378725.393.46%
9952.68%16,449,5061.18%1,925,9380.94%7,10874821.436.03%
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Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%
Orig. # of Loans%Orig. Loan Amt ($)%Reporting Period ELA ($)%WA ELA ($)¹WA FICO¹WA RT¹WA APR¹
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33,29689.77%1,289,907,93892.51%189,174,99492.56%18,28578424.943.56%
3,79410.23%104,487,3567.49%15,198,2857.44%11,92577125.773.53%
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Total:37,090100.00%1,394,395,294100.00%204,373,279100.00%17,81278325.003.56%

Footnotes:

  1. Weighted averages are weighted by the Reporting Period Ending Loan Amount. Weighted average FICO calculation excludes loans for which a FICO is unavailable.
  2. 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.
  3. 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.

© Finsight Group Inc 2023