StratMaker (145234)

CarMax Auto Owner Trust 2019-1

StratMaker Datatape Summary

Beginning Period

Jan 1, 2023

As % of Reporting Period ELA:

Ending Period

Jan 31, 2023

New % / Used %

0.28% / 99.72%

Total Original # of Loans

51,983

WA Loan to Value (LTV)

34.46%

Total Original Loan Amount (OLA)

$ 1,015,511,789

WA Payment to Income (PTI)

8.47%

Weighted Average (WA) OLA

$ 22,405

WA FICO (non-zero)

691

Rep. Period Beginning Loan Amount

$ 163,968,866

WA Remaining Term (RT)

18.16

Rep. Period Ending Loan Amount (ELA)

$ 151,221,205

WA Original APR

9.22%

Beginning Period

Jan 1, 2023

Ending Period

Jan 31, 2023

Total Original # of Loans

51,983

Total Original Loan Amount (OLA)

$ 1,015,511,789

Weighted Average (WA) OLA

$ 22,405

Rep. Period Beginning Loan Amount

$ 163,968,866

Rep. Period Ending Loan Amount (ELA)

$ 151,221,205

As % of Reporting Period ELA:

New % / Used %

0.28% / 99.72%

WA Loan to Value (LTV)

34.46%

WA Payment to Income (PTI)

8.47%

WA FICO (non-zero)

691

WA Remaining Term (RT)

18.16

WA Original APR

9.22%

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%	39,513	0.03%	988	673	13.50	6.10%
$5,000 - $9,999	2,562	4.93%	21,379,411	2.11%	1,880,066	1.24%	2,114	671	13.58	7.91%
$10,000 - $14,999	12,251	23.57%	158,324,537	15.59%	19,954,329	13.20%	3,785	669	15.90	9.26%
$15,000 - $19,999	16,474	31.69%	286,642,833	28.23%	43,639,506	28.86%	5,643	681	18.01	9.56%
$20,000 - $24,999	10,379	19.97%	230,853,164	22.73%	36,364,237	24.05%	7,328	692	18.59	9.23%
$25,000 - $29,999	5,592	10.76%	152,504,350	15.02%	24,352,072	16.10%	9,292	692	19.07	9.32%
$30,000 - $39,999	3,614	6.95%	121,105,876	11.93%	19,018,431	12.58%	11,215	703	19.09	8.68%
$40,000 - $49,999	737	1.42%	32,491,837	3.20%	4,390,632	2.90%	14,783	707	19.29	8.36%
$50,000 - $59,999	194	0.37%	10,306,700	1.01%	1,480,461	0.98%	16,795	714	18.48	7.77%
$60,000 - $69,999	20	0.04%	1,258,239	0.12%	101,958	0.07%	14,258	777	14.22	5.15%
$70,000 - $79,999	-	-	-	-	-	-	-	-	-	-
$80,000 - $89,999	-	-	-	-	-	-	-	-	-	-
$90,000 - $99,999	-	-	-	-	-	-	-	-	-	-
Over $100,000	-	-	-	-	-	-	-	-	-	-
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

Reporting Period ELA	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
$0 - $4,999	38,496	74.05%	699,927,260	68.92%	42,473,528	28.09%	3,477	706	12.57	7.58%
$5,000 - $9,999	10,930	21.03%	234,020,157	23.04%	76,643,720	50.68%	7,272	687	19.66	9.49%
$10,000 - $14,999	2,195	4.22%	66,903,809	6.59%	25,832,786	17.08%	11,916	668	21.71	10.64%
$15,000 - $19,999	311	0.60%	12,246,223	1.21%	5,181,020	3.43%	16,752	653	22.87	11.17%
$20,000 - $24,999	50	0.10%	2,362,021	0.23%	1,063,490	0.70%	21,312	648	23.59	10.89%
$25,000 - $29,999	1	0.00%	52,319	0.01%	26,662	0.02%	26,662	625	24.00	12.45%
$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:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

Original Interest Rate Type	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Fixed	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%
Variable	-	-	-	-	-	-	-	-	-	-
Other	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

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%	25,609,181	16.93%	5,593	798	15.10	4.36%
5.00 - 7.49%	11,640	22.39%	221,931,860	21.85%	28,347,450	18.75%	6,262	735	16.33	6.64%
7.50 - 9.99%	11,905	22.90%	236,884,325	23.33%	40,035,765	26.47%	7,539	680	19.00	8.86%
10.00 - 12.49%	7,536	14.50%	156,946,759	15.45%	28,636,592	18.94%	8,828	640	20.23	11.23%
12.50 - 14.99%	6,455	12.42%	119,882,998	11.81%	20,757,586	13.73%	8,498	599	19.33	13.92%
15.00 - 17.49%	2,394	4.61%	44,511,263	4.38%	7,834,632	5.18%	9,094	605	19.86	16.44%
17.50 - 19.99%	-	-	-	-	-	-	-	-	-	-
20.00 - 22.49%	-	-	-	-	-	-	-	-	-	-
22.50 - 24.99%	-	-	-	-	-	-	-	-	-	-
25.00 - 27.49%	-	-	-	-	-	-	-	-	-	-
27.50 - 29.99%	-	-	-	-	-	-	-	-	-	-
30.00%+	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

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%	51,368	0.03%	7,844	486	19.39	13.23%
500 - 549	1,006	1.94%	18,913,209	1.86%	3,190,004	2.11%	8,719	532	19.74	13.16%
550 - 599	4,428	8.52%	85,348,614	8.40%	15,091,010	9.98%	8,722	580	19.53	12.68%
600 - 649	9,962	19.16%	193,674,029	19.07%	33,307,584	22.03%	8,249	626	19.32	11.84%
650 - 699	11,275	21.69%	221,347,658	21.80%	35,335,746	23.37%	7,650	674	18.70	9.74%
700 - 749	9,430	18.14%	183,036,020	18.02%	26,760,046	17.70%	6,988	723	17.85	7.87%
750 - 799	7,581	14.58%	149,243,830	14.70%	19,217,404	12.71%	6,416	774	16.75	5.99%
800+	7,630	14.68%	155,889,081	15.35%	17,611,273	11.65%	6,017	832	15.74	4.92%
NA	656	1.26%	7,798,217	0.77%	656,770	0.43%	2,840	0	9.63	13.61%
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

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%	2,196	0.00%	1,048	561	0.00	10.04%
49 - 60	10,918	21.00%	195,961,711	19.30%	16,065,883	10.62%	3,815	707	9.24	7.36%
61 - 72	29,462	56.68%	576,889,801	56.81%	88,178,156	58.31%	7,304	689	17.92	9.18%
73+	10,584	20.36%	228,854,108	22.54%	46,974,970	31.06%	8,892	679	21.65	9.93%
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

Remaining Term (Months)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Repaid	24,589	47.30%	474,960,584	46.77%	3,033	0.00%	991	565	0.00	11.12%
1 - 12	10,041	19.32%	184,165,128	18.14%	30,563,017	20.21%	3,781	707	9.23	7.29%
13 - 24	16,869	32.45%	345,049,048	33.98%	115,170,501	76.16%	8,138	686	20.16	9.58%
25 - 36	466	0.90%	10,962,186	1.08%	5,347,392	3.54%	12,889	621	25.51	12.56%
37 - 48	15	0.03%	312,819	0.03%	116,727	0.08%	10,234	654	42.32	5.09%
49 - 60	3	0.01%	62,024	0.01%	20,535	0.01%	7,453	710	56.45	4.59%
61 - 72	-	-	-	-	-	-	-	-	-	-
73+	-	-	-	-	-	-	-	-	-	-
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

Delinquency (Days)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Current	44,799	86.18%	869,029,646	85.58%	120,523,382	79.70%	6,865	701	17.78	8.58%
1 - 15	1,955	3.76%	39,705,166	3.91%	13,592,612	8.99%	8,692	645	18.95	11.08%
16 - 30	816	1.57%	16,982,761	1.67%	6,250,370	4.13%	9,554	632	19.90	11.74%
31 - 60	750	1.44%	15,917,303	1.57%	6,436,641	4.26%	10,578	624	20.43	12.34%
61 - 90	422	0.81%	8,912,579	0.88%	3,798,399	2.51%	11,280	618	20.34	12.68%
91 - 120	85	0.16%	1,702,865	0.17%	619,802	0.41%	11,018	619	19.66	12.57%
121+	3,156	6.07%	63,261,470	6.23%	0	0.00%	0	0	0.00	0.00%
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

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	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%
Stated, verified to Level 3²	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

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	51,678	99.41%	1,011,918,442	99.65%	150,931,555	99.81%	7,435	689	18.18	9.21%
Stated, verified but not Level 4 or 5	305	0.59%	3,593,347	0.35%	289,650	0.19%	2,773	52	9.48	13.70%
Stated, verified to Level 4³	-	-	-	-	-	-	-	-	-	-
Stated, verified to Level 5³	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

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%	44,617,516	29.50%	6,224	718	16.98	7.37%
5.00 - 9.99%	19,979	38.43%	400,890,267	39.48%	61,759,123	40.84%	7,560	684	18.42	9.38%
10.00 - 14.99%	8,305	15.98%	170,374,283	16.78%	28,507,960	18.85%	8,215	663	18.91	10.60%
15.00 - 19.99%	2,798	5.38%	58,789,817	5.79%	9,930,128	6.57%	8,500	659	19.06	11.28%
20.00 - 24.99%	1,000	1.92%	22,225,898	2.19%	3,720,597	2.46%	9,415	662	19.42	11.29%
25.00 - 29.99%	410	0.79%	9,240,742	0.91%	1,629,571	1.08%	9,215	658	18.98	11.47%
30.00 - 39.99%	228	0.44%	5,375,534	0.53%	850,813	0.56%	9,503	663	18.28	10.43%
40.00 - 49.99%	34	0.07%	850,770	0.08%	128,909	0.09%	7,415	710	17.27	8.82%
50.00 - 59.99%	15	0.03%	470,145	0.05%	59,162	0.04%	9,489	689	16.21	9.97%
60.00 - 69.99%	2	0.00%	63,809	0.01%	13,437	0.01%	13,437	593	23.00	8.45%
70.00 - 79.99%	1	0.00%	33,101	0.00%	3,991	0.00%	3,991	580	8.00	10.95%
80.00 - 89.99%	-	-	-	-	-	-	-	-	-	-
90.00 - 99.99%	-	-	-	-	-	-	-	-	-	-
100.00%+	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

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%	22,948	0.02%	927	697	12.10	5.17%
25.00 - 49.99%	1,107	2.13%	10,477,129	1.03%	794,504	0.53%	2,480	731	12.89	5.18%
50.00 - 74.99%	4,605	8.86%	67,718,527	6.67%	6,633,069	4.39%	4,341	733	14.87	5.80%
75.00 - 99.99%	15,094	29.04%	291,608,083	28.72%	38,957,359	25.76%	6,459	711	16.87	7.40%
100.00 - 109.99%	12,534	24.11%	260,799,456	25.68%	40,849,047	27.01%	7,742	685	18.27	9.33%
110.00 - 119.99%	11,156	21.46%	236,198,847	23.26%	39,885,486	26.38%	8,303	672	19.25	10.41%
120.00 - 129.99%	5,698	10.96%	112,885,058	11.12%	18,783,394	12.42%	7,876	663	19.29	11.15%
130.00 - 139.99%	1,379	2.65%	28,502,410	2.81%	4,358,528	2.88%	8,528	674	19.50	10.88%
140.00%+	328	0.63%	6,958,359	0.69%	936,872	0.62%	8,599	688	19.35	10.51%
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

Loans by State	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Alabama	780	1.50%	15,600,458	1.54%	2,320,483	1.53%	7,637	683	18.55	9.55%
Alaska	13	0.03%	246,944	0.02%	26,602	0.02%	4,738	699	14.02	8.87%
Arizona	700	1.35%	13,211,643	1.30%	1,719,877	1.14%	6,910	698	17.81	8.93%
Arkansas	86	0.17%	1,675,113	0.16%	239,884	0.16%	6,931	678	18.33	9.76%
California	8,601	16.55%	166,943,145	16.44%	24,221,819	16.02%	7,288	685	17.79	9.17%
Colorado	1,385	2.66%	27,945,664	2.75%	3,574,706	2.36%	7,293	707	17.26	8.40%
Connecticut	581	1.12%	10,890,798	1.07%	1,744,090	1.15%	7,280	701	18.16	8.63%
Delaware	269	0.52%	5,072,949	0.50%	775,021	0.51%	6,953	691	18.16	9.04%
Florida	4,323	8.32%	86,781,504	8.55%	12,990,192	8.59%	7,974	674	19.18	9.62%
Georgia	3,289	6.33%	64,967,926	6.40%	10,135,102	6.70%	7,878	677	18.66	9.79%
Hawaii	24	0.05%	427,941	0.04%	59,443	0.04%	7,657	615	20.54	10.85%
Idaho	149	0.29%	2,697,515	0.27%	333,186	0.22%	6,264	700	17.04	8.28%
Illinois	2,885	5.55%	55,341,302	5.45%	9,231,261	6.10%	7,128	700	17.97	8.72%
Indiana	827	1.59%	15,867,501	1.56%	2,309,591	1.53%	7,166	698	18.19	8.71%
Iowa	196	0.38%	3,693,487	0.36%	468,551	0.31%	6,825	698	17.71	8.78%
Kansas	574	1.10%	11,372,167	1.12%	1,609,900	1.06%	6,852	705	17.33	8.45%
Kentucky	592	1.14%	11,066,085	1.09%	1,602,945	1.06%	6,913	712	17.49	8.16%
Louisiana	350	0.67%	7,758,893	0.76%	1,261,097	0.83%	9,252	670	19.03	9.94%
Maine	68	0.13%	1,314,674	0.13%	169,946	0.11%	6,293	678	17.42	9.78%
Maryland	2,733	5.26%	53,840,436	5.30%	8,628,336	5.71%	7,582	690	18.20	9.12%
Massachusetts	613	1.18%	11,358,795	1.12%	1,650,493	1.09%	6,016	714	16.87	7.88%
Michigan	116	0.22%	2,201,433	0.22%	325,114	0.21%	6,072	686	16.95	9.12%
Minnesota	289	0.56%	5,522,246	0.54%	858,319	0.57%	6,842	675	17.53	9.28%
Mississippi	430	0.83%	8,935,233	0.88%	1,329,900	0.88%	8,119	670	17.89	10.44%
Missouri	685	1.32%	13,078,157	1.29%	1,975,887	1.31%	6,863	695	17.46	9.04%
Montana	30	0.06%	611,901	0.06%	66,654	0.04%	7,144	700	15.88	8.75%
Nebraska	197	0.38%	3,736,758	0.37%	491,089	0.32%	6,576	698	17.46	8.03%
Nevada	1,331	2.56%	26,397,985	2.60%	3,921,569	2.59%	7,497	688	18.59	9.62%
New Hampshire	86	0.17%	1,441,683	0.14%	176,446	0.12%	7,400	684	16.94	8.45%
New Jersey	441	0.85%	8,217,675	0.81%	1,393,161	0.92%	7,165	704	18.64	8.24%
New Mexico	350	0.67%	6,741,164	0.66%	945,301	0.63%	7,252	687	17.71	9.12%
New York	167	0.32%	3,173,356	0.31%	436,814	0.29%	6,724	673	17.04	9.23%
North Carolina	2,823	5.43%	54,305,056	5.35%	7,965,140	5.27%	7,261	686	18.50	9.48%
North Dakota	13	0.03%	237,150	0.02%	19,864	0.01%	5,557	660	13.61	11.64%
Ohio	1,083	2.08%	20,684,126	2.04%	3,173,318	2.10%	6,940	685	18.31	9.59%
Oklahoma	404	0.78%	7,486,397	0.74%	1,145,758	0.76%	7,186	675	18.41	9.54%
Oregon	387	0.74%	6,707,303	0.66%	838,526	0.55%	6,292	685	17.44	8.61%
Pennsylvania	737	1.42%	14,141,017	1.39%	2,054,015	1.36%	6,745	707	17.70	8.51%
Rhode Island	168	0.32%	3,137,561	0.31%	472,586	0.31%	6,562	689	18.63	8.74%
South Carolina	1,440	2.77%	27,532,734	2.71%	4,203,991	2.78%	7,381	680	18.09	9.68%
South Dakota	11	0.02%	197,601	0.02%	17,678	0.01%	5,886	764	17.04	5.71%
Tennessee	2,261	4.35%	44,930,684	4.42%	6,399,197	4.23%	7,560	694	18.28	9.10%
Texas	5,235	10.07%	106,406,365	10.48%	16,050,580	10.61%	8,089	674	18.49	9.84%
Utah	198	0.38%	3,576,722	0.35%	384,054	0.25%	6,053	721	16.02	7.82%
Vermont	13	0.03%	260,561	0.03%	24,191	0.02%	6,858	672	17.10	11.78%
Virginia	2,662	5.12%	51,666,350	5.09%	7,964,690	5.27%	7,082	707	17.66	8.40%
Washington	688	1.32%	12,740,236	1.25%	1,695,118	1.12%	6,878	691	17.19	8.67%
West Virginia	82	0.16%	1,619,283	0.16%	218,405	0.14%	7,005	694	17.86	9.30%
Wisconsin	450	0.87%	8,401,614	0.83%	1,130,399	0.75%	6,525	703	17.68	8.53%
Wyoming	30	0.06%	641,732	0.06%	57,675	0.04%	6,616	725	15.75	8.45%
American Samoa	-	-	-	-	-	-	-	-	-	-
Armed Forces Amer.	-	-	-	-	-	-	-	-	-	-
Armed Forces EMEA	6	0.01%	115,285	0.01%	19,398	0.01%	7,005	634	20.05	10.03%
Armed Forces Pacific	6	0.01%	155,557	0.02%	8,037	0.01%	4,062	706	9.45	5.85%
District of Columbia	114	0.22%	2,196,797	0.22%	366,089	0.24%	7,985	681	19.00	9.64%
Guam	-	-	-	-	-	-	-	-	-	-
Mariana Islands	-	-	-	-	-	-	-	-	-	-
Marshall Islands	-	-	-	-	-	-	-	-	-	-
Micronesia	-	-	-	-	-	-	-	-	-	-
Palau	-	-	-	-	-	-	-	-	-	-
Puerto Rico	11	0.02%	202,963	0.02%	19,715	0.01%	7,666	691	19.33	10.52%
Virgin Islands	1	0.00%	36,165	0.00%	0	0.00%	0	0	0.00	0.00%
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

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%	428,340	0.28%	7,279	712	16.00	7.15%
Used	51,855	99.75%	1,012,448,470	99.70%	150,792,865	99.72%	7,427	688	18.17	9.22%
NA	-	-	-	-	-	-	-	-	-	-
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

Vehicle Type	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Car	27,013	51.97%	463,775,801	45.67%	69,114,381	45.70%	6,660	673	18.33	9.86%
Truck	3,664	7.05%	93,934,135	9.25%	14,059,790	9.30%	9,208	702	17.82	8.74%
SUV	19,467	37.45%	419,886,882	41.35%	62,617,030	41.41%	7,900	699	18.11	8.68%
Motorcycle	-	-	-	-	-	-	-	-	-	-
Other	1,839	3.54%	37,914,972	3.73%	5,430,004	3.59%	7,114	706	17.50	8.53%
Unknown	-	-	-	-	-	-	-	-	-	-
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

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%	16,608,659	10.98%	7,291	695	17.88	9.00%
Ford: Lincoln	271	0.52%	6,201,689	0.61%	867,835	0.57%	7,962	684	18.35	9.38%
Ford: Mercury	31	0.06%	369,887	0.04%	48,575	0.03%	3,399	679	13.37	9.80%
GMC	1,237	2.38%	30,639,548	3.02%	4,527,800	2.99%	9,108	697	18.48	8.79%
GMC: Buick	769	1.48%	14,696,464	1.45%	2,241,037	1.48%	6,801	691	18.13	9.05%
GMC: Cadillac	616	1.19%	16,471,622	1.62%	2,630,868	1.74%	10,534	697	19.17	9.02%
GMC: Chevrolet	4,381	8.43%	89,440,754	8.81%	14,202,464	9.39%	8,025	681	18.69	9.61%
GMC: Hummer	3	0.01%	85,064	0.01%	9,833	0.01%	9,833	738	16.00	9.45%
GMC: Oldsmobile	-	-	-	-	-	-	-	-	-	-
GMC: Pontiac	13	0.03%	174,588	0.02%	17,985	0.01%	3,763	661	13.78	9.83%
GMC: Saturn	16	0.03%	187,767	0.02%	7,181	0.00%	1,966	665	8.83	8.58%
Tesla	1	0.00%	45,537	0.00%	11,013	0.01%	11,013	796	16.00	3.70%
VHPG	-	-	-	-	-	-	-	-	-	-
Aston Martin	-	-	-	-	-	-	-	-	-	-
BMW	1,387	2.67%	35,083,143	3.45%	4,472,580	2.96%	9,324	680	18.36	9.24%
BMW: Mini	365	0.70%	6,006,385	0.59%	645,172	0.43%	5,496	685	17.09	9.05%
Daimler: Freightliner	-	-	-	-	-	-	-	-	-	-
Daimler: Mercedes-Benz	1,139	2.19%	30,388,233	2.99%	4,563,985	3.02%	10,338	680	19.00	9.72%
Daimler: Smart	80	0.15%	761,876	0.08%	99,334	0.07%	3,336	649	17.06	11.11%
Fiat	316	0.61%	4,399,619	0.43%	617,462	0.41%	4,765	668	17.89	9.55%
Fiat: Alfa Romeo	-	-	-	-	-	-	-	-	-	-
Fiat: Chrysler	920	1.77%	17,857,943	1.76%	2,569,204	1.70%	6,982	671	18.40	9.85%
Fiat: Dodge	2,517	4.84%	56,285,484	5.54%	8,865,908	5.86%	8,703	680	18.96	9.72%
Fiat: Jeep	2,534	4.87%	52,546,853	5.17%	8,463,425	5.60%	7,499	700	18.42	8.81%
Fiat: Maserati	-	-	-	-	-	-	-	-	-	-
Geely: Volvo	258	0.50%	5,549,401	0.55%	610,039	0.40%	6,755	701	16.28	7.82%
Lotus	-	-	-	-	-	-	-	-	-	-
McLaren	-	-	-	-	-	-	-	-	-	-
Volkswagen	1,005	1.93%	15,833,886	1.56%	2,073,918	1.37%	5,509	670	17.43	9.89%
Volkswagen: Audi	489	0.94%	12,836,740	1.26%	1,677,417	1.11%	9,025	698	17.79	8.44%
Volkswagen: Bentley	-	-	-	-	-	-	-	-	-	-
Volkswagen: Porsche	84	0.16%	3,380,347	0.33%	319,717	0.21%	13,763	716	17.79	7.78%
Honda	4,018	7.73%	69,005,784	6.80%	9,862,998	6.52%	6,047	693	17.20	8.96%
Honda: Acura	828	1.59%	17,255,401	1.70%	2,537,096	1.68%	7,217	703	17.17	8.54%
Hyundai	3,405	6.55%	53,420,485	5.26%	8,221,884	5.44%	5,732	675	18.29	9.75%
Hyundai: Kia	2,476	4.76%	39,950,986	3.93%	6,103,414	4.04%	5,947	675	18.52	9.74%
Isuzu	-	-	-	-	-	-	-	-	-	-
Mazda	1,271	2.45%	20,900,964	2.06%	3,033,523	2.01%	5,920	690	17.80	9.10%
Mitsubishi	402	0.77%	6,175,671	0.61%	888,357	0.59%	5,793	660	18.66	10.11%
Nissan	6,196	11.92%	107,596,252	10.60%	17,200,020	11.37%	6,590	678	18.66	9.61%
Nissan: Infiniti	1,124	2.16%	27,274,760	2.69%	4,086,061	2.70%	9,065	687	18.33	9.06%
Saab	-	-	-	-	-	-	-	-	-	-
Subaru	961	1.85%	17,994,474	1.77%	2,284,921	1.51%	6,272	713	16.74	7.99%
Suzuki	-	-	-	-	-	-	-	-	-	-
Tata: Jaguar	144	0.28%	4,568,538	0.45%	621,282	0.41%	11,799	675	19.55	9.73%
Tata: Land Rover	346	0.67%	12,375,382	1.22%	1,558,198	1.03%	12,329	709	18.62	8.14%
Toyota	4,873	9.37%	88,716,959	8.74%	13,299,135	8.79%	6,568	696	17.26	8.78%
Toyota: Lexus	1,448	2.79%	34,363,052	3.38%	4,838,749	3.20%	8,517	702	17.58	8.49%
Toyota: Scion	258	0.50%	3,794,635	0.37%	534,155	0.35%	5,131	687	17.28	9.78%
Other	-	-	-	-	-	-	-	-	-	-
Unknown	-	-	-	-	-	-	-	-	-	-
Total:	51,983	100.00%	1,015,511,789	100.00%	151,221,205	100.00%	7,426	688	18.16	9.22%

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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