StratMaker (145258)

CarMax Auto Owner Trust 2022-4

StratMaker Datatape Summary

Beginning Period

Jan 1, 2023

As % of Reporting Period ELA:

Ending Period

Jan 31, 2023

New % / Used %

0.00% / 100.00%

Total Original # of Loans

67,667

WA Loan to Value (LTV)

85.00%

Total Original Loan Amount (OLA)

$ 1,657,075,546

WA Payment to Income (PTI)

9.03%

Weighted Average (WA) OLA

$ 28,274

WA FICO (non-zero)

713

Rep. Period Beginning Loan Amount

$ 1,307,481,994

WA Remaining Term (RT)

58.65

Rep. Period Ending Loan Amount (ELA)

$ 1,268,162,303

WA Original APR

8.89%

Beginning Period

Jan 1, 2023

Ending Period

Jan 31, 2023

Total Original # of Loans

67,667

Total Original Loan Amount (OLA)

$ 1,657,075,546

Weighted Average (WA) OLA

$ 28,274

Rep. Period Beginning Loan Amount

$ 1,307,481,994

Rep. Period Ending Loan Amount (ELA)

$ 1,268,162,303

As % of Reporting Period ELA:

New % / Used %

0.00% / 100.00%

WA Loan to Value (LTV)

85.00%

WA Payment to Income (PTI)

9.03%

WA FICO (non-zero)

713

WA Remaining Term (RT)

58.65

WA Original APR

8.89%

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	183	0.27%	694,112	0.04%	467,973	0.04%	3,417	665	47.21	5.35%
$5,000 - $9,999	1,881	2.78%	15,267,582	0.92%	9,442,478	0.74%	7,036	710	49.74	5.49%
$10,000 - $14,999	7,623	11.27%	98,774,297	5.96%	57,613,460	4.54%	11,083	700	51.39	7.29%
$15,000 - $19,999	14,710	21.74%	259,202,640	15.64%	174,635,765	13.77%	15,502	696	54.39	8.78%
$20,000 - $24,999	15,021	22.20%	336,789,697	20.32%	255,265,653	20.13%	20,211	712	57.83	9.12%
$25,000 - $29,999	11,544	17.06%	315,942,367	19.07%	250,120,520	19.72%	24,909	706	59.33	9.41%
$30,000 - $39,999	11,800	17.44%	401,589,828	24.23%	328,903,008	25.94%	31,443	713	60.86	8.95%
$40,000 - $49,999	3,678	5.44%	162,108,485	9.78%	136,172,477	10.74%	40,823	712	61.86	8.77%
$50,000 - $59,999	1,134	1.68%	60,950,117	3.68%	50,985,487	4.02%	49,643	719	61.21	8.21%
$60,000 - $69,999	93	0.14%	5,756,420	0.35%	4,555,483	0.36%	54,556	759	57.84	5.62%
$70,000 - $79,999	-	-	-	-	-	-	-	-	-	-
$80,000 - $89,999	-	-	-	-	-	-	-	-	-	-
$90,000 - $99,999	-	-	-	-	-	-	-	-	-	-
Over $100,000	-	-	-	-	-	-	-	-	-	-
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

Reporting Period ELA	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
$0 - $4,999	12,656	18.70%	246,463,487	14.87%	19,474,893	1.54%	3,268	695	14.19	8.02%
$5,000 - $9,999	4,694	6.94%	85,621,676	5.17%	33,976,388	2.68%	7,540	699	33.36	7.76%
$10,000 - $14,999	6,594	9.74%	100,993,842	6.09%	84,859,917	6.69%	13,023	704	53.95	7.46%
$15,000 - $19,999	11,914	17.61%	230,764,246	13.93%	209,739,707	16.54%	17,719	707	57.67	8.69%
$20,000 - $24,999	11,803	17.44%	287,142,328	17.33%	264,431,905	20.85%	22,496	712	59.83	9.17%
$25,000 - $29,999	8,916	13.18%	263,260,287	15.89%	243,863,854	19.23%	27,426	707	60.95	9.41%
$30,000 - $39,999	8,103	11.97%	296,570,125	17.90%	275,554,077	21.73%	34,232	711	62.07	8.99%
$40,000 - $49,999	2,455	3.63%	116,011,877	7.00%	108,113,625	8.53%	44,219	707	62.61	9.00%
$50,000 - $59,999	532	0.79%	30,247,678	1.83%	28,147,938	2.22%	52,995	725	61.74	7.95%
$60,000 - $69,999	-	-	-	-	-	-	-	-	-	-
$70,000 - $79,999	-	-	-	-	-	-	-	-	-	-
$80,000 - $89,999	-	-	-	-	-	-	-	-	-	-
$90,000 - $99,999	-	-	-	-	-	-	-	-	-	-
Over $100,000	-	-	-	-	-	-	-	-	-	-
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

Original Interest Rate Type	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Fixed	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%
Variable	-	-	-	-	-	-	-	-	-	-
Other	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

Original APR	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
0.00 - 2.49%	88	0.13%	2,191,182	0.13%	1,541,245	0.12%	25,199	801	48.21	2.26%
2.50 - 4.99%	18,729	27.68%	429,181,221	25.90%	318,253,543	25.10%	25,060	797	56.65	3.77%
5.00 - 7.49%	13,941	20.60%	339,233,319	20.47%	244,820,808	19.31%	26,348	748	57.54	6.57%
7.50 - 9.99%	10,340	15.28%	256,327,457	15.47%	180,930,108	14.27%	26,283	699	57.45	9.08%
10.00 - 12.49%	13,461	19.89%	357,786,891	21.59%	297,102,143	23.43%	28,222	665	61.71	11.55%
12.50 - 14.99%	6,098	9.01%	156,707,538	9.46%	127,608,866	10.06%	27,651	625	60.61	14.06%
15.00 - 17.49%	5,010	7.40%	115,647,938	6.98%	97,905,589	7.72%	24,001	578	58.46	16.27%
17.50 - 19.99%	-	-	-	-	-	-	-	-	-	-
20.00 - 22.49%	-	-	-	-	-	-	-	-	-	-
22.50 - 24.99%	-	-	-	-	-	-	-	-	-	-
25.00 - 27.49%	-	-	-	-	-	-	-	-	-	-
27.50 - 29.99%	-	-	-	-	-	-	-	-	-	-
30.00%+	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

Original FICO Score	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Less than 500	12	0.02%	281,127	0.02%	170,737	0.01%	23,978	489	49.57	14.34%
500 - 549	787	1.16%	19,258,341	1.16%	15,134,217	1.19%	27,030	538	59.35	14.04%
550 - 599	4,438	6.56%	109,068,808	6.58%	86,755,603	6.84%	26,575	580	59.29	13.76%
600 - 649	10,636	15.72%	264,838,584	15.98%	205,656,819	16.22%	27,079	627	59.50	12.67%
650 - 699	14,128	20.88%	349,586,757	21.10%	264,875,897	20.89%	26,683	674	59.47	10.68%
700 - 749	13,546	20.02%	329,969,920	19.91%	251,963,292	19.87%	26,255	724	58.95	8.23%
750 - 799	11,828	17.48%	289,198,219	17.45%	220,371,133	17.38%	26,185	774	57.99	5.82%
800+	11,602	17.15%	285,153,730	17.21%	216,075,840	17.04%	26,105	832	57.07	4.44%
NA	690	1.02%	9,720,060	0.59%	7,158,765	0.56%	14,209	0	52.34	15.83%
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

Original Term (Months)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
0 - 24	24	0.04%	282,906	0.02%	165,921	0.01%	14,599	685	18.10	8.41%
25 - 36	327	0.48%	5,074,327	0.31%	3,585,642	0.28%	16,130	747	29.37	5.62%
37 - 48	1,243	1.84%	20,490,916	1.24%	16,185,169	1.28%	17,943	736	40.12	6.20%
49 - 60	14,281	21.10%	319,445,471	19.28%	239,213,030	18.86%	24,350	728	52.83	7.12%
61 - 72	40,111	59.28%	989,777,810	59.73%	764,554,702	60.29%	26,392	706	59.59	9.17%
73+	11,681	17.26%	322,004,115	19.43%	244,457,840	19.28%	29,164	694	63.08	9.94%
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

Remaining Term (Months)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Repaid	4,568	6.75%	106,659,882	6.44%	12,000	0.00%	1,424	613	0.00	12.91%
1 - 12	5,508	8.14%	103,056,401	6.22%	10,593,229	0.84%	2,983	692	7.32	8.12%
13 - 24	4,820	7.12%	100,660,114	6.07%	26,664,892	2.10%	6,464	681	15.64	9.57%
25 - 36	526	0.78%	8,525,607	0.51%	6,371,848	0.50%	16,292	749	30.25	5.43%
37 - 48	2,180	3.22%	40,518,826	2.45%	33,438,624	2.64%	19,395	729	43.19	6.45%
49 - 60	26,172	38.68%	614,300,417	37.07%	553,163,253	43.62%	24,527	720	55.49	7.85%
61 - 72	23,893	35.31%	683,354,298	41.24%	637,918,458	50.30%	29,721	699	65.14	9.93%
73+	-	-	-	-	-	-	-	-	-	-
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

Delinquency (Days)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Current	61,264	90.54%	1,488,229,590	89.81%	1,128,794,795	89.01%	26,150	718	58.59	8.44%
1 - 15	3,655	5.40%	96,141,557	5.80%	78,738,287	6.21%	28,403	647	58.99	11.94%
16 - 30	1,298	1.92%	34,389,303	2.08%	28,922,320	2.28%	28,570	630	59.43	12.83%
31 - 60	959	1.42%	25,243,285	1.52%	21,517,219	1.70%	28,278	608	58.94	13.59%
61 - 90	347	0.51%	9,305,794	0.56%	8,286,814	0.65%	29,071	610	59.45	13.96%
91 - 120	85	0.13%	2,176,504	0.13%	1,902,867	0.15%	28,239	619	59.55	13.62%
121+	59	0.09%	1,589,514	0.10%	0	0.00%	0	0	0.00	0.00%
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

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	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%
Stated, verified to Level 3²	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

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	67,199	99.31%	1,647,589,417	99.43%	1,260,415,866	99.39%	26,406	710	58.66	8.86%
Stated, verified but not Level 4 or 5	468	0.69%	9,486,129	0.57%	7,746,438	0.61%	25,841	440	57.49	13.23%
Stated, verified to Level 4³	-	-	-	-	-	-	-	-	-	-
Stated, verified to Level 5³	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

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%	22,079	32.63%	476,327,867	28.75%	352,192,789	27.77%	23,608	748	57.14	6.35%
5.00 - 9.99%	25,760	38.07%	647,736,833	39.09%	494,694,242	39.01%	26,747	708	58.79	8.80%
10.00 - 14.99%	11,706	17.30%	307,483,435	18.56%	239,493,981	18.89%	27,691	681	59.52	10.68%
15.00 - 19.99%	4,854	7.17%	131,395,593	7.93%	105,426,728	8.31%	28,477	668	60.06	11.72%
20.00 - 24.99%	2,014	2.98%	57,739,464	3.48%	47,471,201	3.74%	30,114	668	60.44	11.90%
25.00 - 29.99%	785	1.16%	22,510,225	1.36%	17,927,416	1.41%	29,893	667	59.48	12.03%
30.00 - 39.99%	337	0.50%	9,680,188	0.58%	7,515,840	0.59%	30,037	681	59.11	10.58%
40.00 - 49.99%	83	0.12%	2,540,072	0.15%	2,024,411	0.16%	30,825	704	58.83	9.87%
50.00 - 59.99%	32	0.05%	1,059,076	0.06%	911,080	0.07%	34,077	734	58.05	8.91%
60.00 - 69.99%	7	0.01%	242,182	0.01%	200,013	0.02%	35,179	763	61.29	8.71%
70.00 - 79.99%	7	0.01%	240,319	0.01%	195,212	0.02%	32,730	711	59.97	10.36%
80.00 - 89.99%	2	0.00%	69,413	0.00%	60,844	0.00%	37,011	779	47.58	3.58%
90.00 - 99.99%	-	-	-	-	-	-	-	-	-	-
100.00%+	1	0.00%	50,878	0.00%	48,546	0.00%	48,546	708	67.00	11.95%
NA	-	-	-	-	-	-	-	-	-	-
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

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%	418	0.62%	2,571,213	0.16%	1,785,847	0.14%	6,207	719	49.95	4.43%
25.00 - 49.99%	3,297	4.87%	41,976,828	2.53%	32,420,746	2.56%	13,386	748	54.02	4.51%
50.00 - 74.99%	10,302	15.22%	204,284,931	12.33%	162,262,644	12.80%	20,768	746	56.84	5.47%
75.00 - 99.99%	24,899	36.80%	633,168,615	38.21%	496,261,470	39.13%	26,759	720	58.97	8.00%
100.00 - 109.99%	15,827	23.39%	437,839,353	26.42%	337,192,078	26.59%	29,037	691	59.76	10.35%
110.00 - 119.99%	9,680	14.31%	258,849,553	15.62%	189,915,326	14.98%	28,132	680	59.02	11.50%
120.00 - 129.99%	2,617	3.87%	62,722,435	3.79%	39,555,282	3.12%	25,644	678	56.07	12.11%
130.00 - 139.99%	497	0.73%	12,485,958	0.75%	7,470,533	0.59%	28,410	684	55.30	12.01%
140.00%+	130	0.19%	3,176,660	0.19%	1,298,378	0.10%	21,911	688	46.35	11.69%
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

Loans by State	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Alabama	1,114	1.65%	27,294,958	1.65%	21,173,379	1.67%	26,167	693	59.01	9.88%
Alaska	11	0.02%	246,847	0.01%	148,005	0.01%	23,591	741	53.80	6.29%
Arizona	1,179	1.74%	28,604,081	1.73%	22,214,780	1.75%	26,250	714	59.43	8.49%
Arkansas	85	0.13%	2,182,652	0.13%	1,562,350	0.12%	26,858	699	56.89	9.37%
California	11,677	17.26%	290,082,356	17.51%	222,376,695	17.54%	27,306	712	58.40	8.46%
Colorado	1,609	2.38%	39,458,113	2.38%	30,342,109	2.39%	26,626	725	58.25	7.97%
Connecticut	609	0.90%	14,602,618	0.88%	11,057,834	0.87%	25,870	715	59.12	8.72%
Delaware	213	0.31%	5,112,655	0.31%	3,622,846	0.29%	24,769	695	56.17	9.19%
Florida	5,418	8.01%	135,610,171	8.18%	104,620,596	8.25%	27,082	693	59.83	9.62%
Georgia	4,486	6.63%	110,443,968	6.66%	86,251,449	6.80%	26,272	696	59.10	9.84%
Hawaii	13	0.02%	299,956	0.02%	160,015	0.01%	27,481	719	52.69	8.38%
Idaho	215	0.32%	4,915,866	0.30%	3,889,668	0.31%	26,099	713	58.38	8.72%
Illinois	3,369	4.98%	80,778,658	4.87%	60,926,942	4.80%	25,308	725	57.98	8.07%
Indiana	1,066	1.58%	25,730,976	1.55%	19,847,971	1.57%	25,831	721	59.12	8.51%
Iowa	221	0.33%	5,472,049	0.33%	4,339,053	0.34%	26,541	716	58.38	8.50%
Kansas	687	1.02%	16,478,300	0.99%	12,352,188	0.97%	25,116	732	57.14	7.81%
Kentucky	801	1.18%	18,528,990	1.12%	14,287,315	1.13%	24,798	720	58.60	8.23%
Louisiana	961	1.42%	25,235,565	1.52%	21,553,371	1.70%	27,829	688	60.32	10.11%
Maine	156	0.23%	3,742,615	0.23%	2,905,002	0.23%	25,113	716	58.72	8.61%
Maryland	2,584	3.82%	62,738,352	3.79%	46,203,314	3.64%	25,996	707	58.17	9.13%
Massachusetts	713	1.05%	16,433,446	0.99%	12,906,424	1.02%	24,974	731	58.49	7.84%
Michigan	71	0.10%	1,640,383	0.10%	905,614	0.07%	22,975	695	54.83	9.39%
Minnesota	266	0.39%	6,240,471	0.38%	4,632,178	0.37%	25,770	690	58.10	9.46%
Mississippi	730	1.08%	18,790,621	1.13%	14,894,826	1.17%	26,759	689	58.83	10.26%
Missouri	730	1.08%	16,549,647	1.00%	11,274,861	0.89%	24,262	714	56.16	8.58%
Montana	19	0.03%	421,901	0.03%	268,273	0.02%	23,817	732	55.46	7.93%
Nebraska	265	0.39%	6,328,893	0.38%	5,125,275	0.40%	24,817	743	58.80	7.13%
Nevada	1,737	2.57%	44,223,039	2.67%	34,243,999	2.70%	27,370	710	58.53	8.61%
New Hampshire	110	0.16%	2,559,994	0.15%	1,861,828	0.15%	25,126	732	59.38	8.12%
New Jersey	603	0.89%	14,236,168	0.86%	10,893,954	0.86%	25,618	713	58.73	8.39%
New Mexico	489	0.72%	12,123,404	0.73%	9,863,875	0.78%	27,019	704	59.02	9.05%
New York	14	0.02%	315,004	0.02%	223,710	0.02%	21,246	644	59.89	11.79%
North Carolina	3,597	5.32%	87,547,115	5.28%	67,288,217	5.31%	26,195	707	59.27	9.21%
North Dakota	10	0.01%	229,341	0.01%	179,346	0.01%	27,026	626	60.03	10.58%
Ohio	1,044	1.54%	25,326,991	1.53%	18,404,879	1.45%	25,760	712	57.93	9.00%
Oklahoma	521	0.77%	12,201,414	0.74%	9,562,207	0.75%	25,513	710	58.83	8.76%
Oregon	571	0.84%	12,491,155	0.75%	9,690,010	0.76%	23,414	714	58.27	8.49%
Pennsylvania	893	1.32%	21,248,932	1.28%	16,076,674	1.27%	25,382	723	58.13	8.14%
Rhode Island	178	0.26%	4,097,809	0.25%	3,055,163	0.24%	24,832	713	58.85	8.89%
South Carolina	1,880	2.78%	43,558,860	2.63%	32,939,701	2.60%	25,049	702	58.16	9.30%
South Dakota	8	0.01%	175,986	0.01%	137,589	0.01%	26,669	699	54.56	9.59%
Tennessee	2,677	3.96%	65,028,702	3.92%	49,137,961	3.87%	25,638	713	57.87	8.77%
Texas	8,182	12.09%	206,489,455	12.46%	156,151,747	12.31%	27,058	702	58.82	9.21%
Utah	324	0.48%	7,610,652	0.46%	6,006,748	0.47%	25,869	727	58.62	7.61%
Vermont	8	0.01%	203,999	0.01%	149,449	0.01%	32,441	750	56.64	7.56%
Virginia	3,587	5.30%	86,546,363	5.22%	65,739,100	5.18%	26,029	722	58.39	8.31%
Washington	1,074	1.59%	25,395,625	1.53%	20,041,651	1.58%	25,768	705	58.10	8.79%
West Virginia	80	0.12%	1,927,498	0.12%	1,449,399	0.11%	25,797	703	57.88	9.02%
Wisconsin	678	1.00%	16,353,140	0.99%	12,649,698	1.00%	25,797	721	58.90	8.53%
Wyoming	22	0.03%	504,848	0.03%	419,962	0.03%	22,198	724	55.72	9.24%
American Samoa	-	-	-	-	-	-	-	-	-	-
Armed Forces Amer.	-	-	-	-	-	-	-	-	-	-
Armed Forces EMEA	-	-	-	-	-	-	-	-	-	-
Armed Forces Pacific	-	-	-	-	-	-	-	-	-	-
District of Columbia	112	0.17%	2,714,945	0.16%	2,153,102	0.17%	26,855	714	57.64	9.26%
Guam	-	-	-	-	-	-	-	-	-	-
Mariana Islands	-	-	-	-	-	-	-	-	-	-
Marshall Islands	-	-	-	-	-	-	-	-	-	-
Micronesia	-	-	-	-	-	-	-	-	-	-
Palau	-	-	-	-	-	-	-	-	-	-
Puerto Rico	-	-	-	-	-	-	-	-	-	-
Virgin Islands	-	-	-	-	-	-	-	-	-	-
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

Vehicle Status	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
New	13	0.02%	351,178	0.02%	44,040	0.00%	5,923	728	12.02	6.91%
Used	67,654	99.98%	1,656,724,368	99.98%	1,268,118,263	100.00%	26,404	709	58.65	8.89%
NA	-	-	-	-	-	-	-	-	-	-
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

Vehicle Type	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Car	27,505	40.65%	584,766,104	35.29%	433,311,749	34.17%	23,062	694	58.07	9.66%
Truck	5,876	8.68%	183,170,810	11.05%	138,700,305	10.94%	31,860	723	58.65	8.12%
SUV	27,942	41.29%	719,628,344	43.43%	556,226,902	43.86%	27,143	715	58.94	8.52%
Motorcycle	-	-	-	-	-	-	-	-	-	-
Other	1,805	2.67%	45,094,674	2.72%	32,627,320	2.57%	26,308	729	56.76	7.86%
Unknown	4,539	6.71%	124,415,613	7.51%	107,296,026	8.46%	29,033	710	60.05	9.01%
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

Manufacturer	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
DeLorean	-	-	-	-	-	-	-	-	-	-
Fisker Automotive	-	-	-	-	-	-	-	-	-	-
Ford	6,153	9.09%	148,343,533	8.95%	110,757,514	8.73%	25,800	711	57.89	8.81%
Ford: Lincoln	414	0.61%	11,070,377	0.67%	7,994,742	0.63%	28,281	715	57.92	8.43%
Ford: Mercury	8	0.01%	102,568	0.01%	46,885	0.00%	11,534	647	45.26	13.45%
GMC	1,417	2.09%	41,356,337	2.50%	30,340,599	2.39%	30,140	710	57.82	8.94%
GMC: Buick	823	1.22%	17,617,919	1.06%	11,642,867	0.92%	21,091	710	56.54	9.20%
GMC: Cadillac	770	1.14%	22,259,589	1.34%	15,971,573	1.26%	30,096	704	58.21	8.92%
GMC: Chevrolet	5,595	8.27%	141,187,612	8.52%	106,169,029	8.37%	27,444	701	58.92	9.52%
GMC: Hummer	1	0.00%	17,998	0.00%	1,456	0.00%	1,456	522	2.00	8.95%
GMC: Oldsmobile	-	-	-	-	-	-	-	-	-	-
GMC: Pontiac	2	0.00%	22,335	0.00%	2,678	0.00%	1,343	714	6.16	11.18%
GMC: Saturn	3	0.00%	38,537	0.00%	4,921	0.00%	2,010	498	6.61	10.69%
Tesla	352	0.52%	16,328,803	0.99%	13,972,863	1.10%	44,894	731	61.15	6.83%
VHPG	-	-	-	-	-	-	-	-	-	-
Aston Martin	-	-	-	-	-	-	-	-	-	-
BMW	1,806	2.67%	54,625,488	3.30%	42,983,818	3.39%	31,128	712	59.08	8.57%
BMW: Mini	461	0.68%	9,608,175	0.58%	7,499,059	0.59%	21,463	719	57.71	8.18%
Daimler: Freightliner	-	-	-	-	-	-	-	-	-	-
Daimler: Mercedes-Benz	1,767	2.61%	55,095,029	3.32%	42,417,834	3.34%	31,859	700	59.06	9.26%
Daimler: Smart	38	0.06%	462,541	0.03%	282,797	0.02%	13,142	660	52.32	10.14%
Fiat	235	0.35%	3,888,326	0.23%	2,560,029	0.20%	17,088	704	54.51	9.09%
Fiat: Alfa Romeo	-	-	-	-	-	-	-	-	-	-
Fiat: Chrysler	824	1.22%	19,860,466	1.20%	13,829,669	1.09%	25,648	704	57.58	9.12%
Fiat: Dodge	3,107	4.59%	91,466,193	5.52%	69,459,571	5.48%	31,396	695	59.43	9.54%
Fiat: Jeep	4,120	6.09%	106,508,451	6.43%	82,776,332	6.53%	27,191	709	59.43	8.98%
Fiat: Maserati	-	-	-	-	-	-	-	-	-	-
Geely: Volvo	472	0.70%	13,568,467	0.82%	10,923,969	0.86%	31,028	734	58.94	7.62%
Lotus	-	-	-	-	-	-	-	-	-	-
McLaren	-	-	-	-	-	-	-	-	-	-
Volkswagen	2,086	3.08%	46,613,481	2.81%	38,940,287	3.07%	23,962	700	59.90	9.12%
Volkswagen: Audi	1,113	1.64%	33,402,602	2.02%	26,657,143	2.10%	30,775	720	59.17	8.24%
Volkswagen: Bentley	-	-	-	-	-	-	-	-	-	-
Volkswagen: Porsche	145	0.21%	6,195,059	0.37%	4,835,778	0.38%	41,243	737	58.83	6.95%
Honda	6,020	8.90%	134,889,773	8.14%	106,079,748	8.36%	23,231	713	58.54	8.79%
Honda: Acura	817	1.21%	20,213,838	1.22%	14,772,173	1.16%	25,773	724	57.91	8.15%
Hyundai	3,818	5.64%	77,357,493	4.67%	60,274,519	4.75%	21,736	693	58.81	9.59%
Hyundai: Kia	2,893	4.28%	59,880,187	3.61%	45,306,667	3.57%	22,290	691	58.87	9.68%
Isuzu	-	-	-	-	-	-	-	-	-	-
Mazda	1,766	2.61%	37,875,874	2.29%	30,710,161	2.42%	22,306	712	58.94	8.60%
Mitsubishi	555	0.82%	10,983,495	0.66%	8,796,376	0.69%	20,691	678	60.66	10.52%
Nissan	6,226	9.20%	127,117,477	7.67%	92,377,833	7.28%	21,351	697	57.93	9.66%
Nissan: Infiniti	1,037	1.53%	28,320,327	1.71%	20,388,877	1.61%	28,063	701	58.27	9.49%
Saab	-	-	-	-	-	-	-	-	-	-
Subaru	2,138	3.16%	49,982,333	3.02%	40,288,881	3.18%	24,341	732	58.81	7.59%
Suzuki	-	-	-	-	-	-	-	-	-	-
Tata: Jaguar	210	0.31%	7,287,671	0.44%	5,833,339	0.46%	34,458	702	60.81	9.20%
Tata: Land Rover	378	0.56%	13,937,433	0.84%	10,728,975	0.85%	36,656	709	59.55	8.37%
Toyota	8,144	12.04%	195,389,059	11.79%	152,062,148	11.99%	25,724	721	58.37	8.20%
Toyota: Lexus	1,815	2.68%	51,966,908	3.14%	38,994,867	3.07%	29,605	728	57.85	7.80%
Toyota: Scion	138	0.20%	2,233,794	0.13%	1,476,327	0.12%	16,099	653	53.75	10.82%
Other	-	-	-	-	-	-	-	-	-	-
Unknown	-	-	-	-	-	-	-	-	-	-
Total:	67,667	100.00%	1,657,075,546	100.00%	1,268,162,303	100.00%	26,403	709	58.65	8.89%

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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