StratMaker (145278)

CarMax Auto Owner Trust 2022-3

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

70,740

WA Loan to Value (LTV)

80.07%

Total Original Loan Amount (OLA)

$ 1,722,363,419

WA Payment to Income (PTI)

9.20%

Weighted Average (WA) OLA

$ 28,140

WA FICO (non-zero)

709

Rep. Period Beginning Loan Amount

$ 1,161,609,347

WA Remaining Term (RT)

55.09

Rep. Period Ending Loan Amount (ELA)

$ 1,123,641,705

WA Original APR

8.33%

Beginning Period

Jan 1, 2023

Ending Period

Jan 31, 2023

Total Original # of Loans

70,740

Total Original Loan Amount (OLA)

$ 1,722,363,419

Weighted Average (WA) OLA

$ 28,140

Rep. Period Beginning Loan Amount

$ 1,161,609,347

Rep. Period Ending Loan Amount (ELA)

$ 1,123,641,705

As % of Reporting Period ELA:

New % / Used %

0.00% / 100.00%

WA Loan to Value (LTV)

80.07%

WA Payment to Income (PTI)

9.20%

WA FICO (non-zero)

709

WA Remaining Term (RT)

55.09

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%	373,115	0.03%	3,050	678	43.09	4.82%
$5,000 - $9,999	2,005	2.83%	16,390,267	0.95%	7,869,897	0.70%	6,567	711	46.85	5.20%
$10,000 - $14,999	8,309	11.75%	107,486,186	6.24%	49,056,616	4.37%	10,383	692	48.21	7.09%
$15,000 - $19,999	15,481	21.88%	272,712,380	15.83%	151,074,172	13.45%	14,673	688	51.23	8.45%
$20,000 - $24,999	15,426	21.81%	345,676,195	20.07%	224,084,135	19.94%	19,199	704	54.43	8.79%
$25,000 - $29,999	12,317	17.41%	336,937,941	19.56%	231,247,398	20.58%	23,706	701	55.98	8.96%
$30,000 - $39,999	12,029	17.00%	409,421,867	23.77%	289,318,199	25.75%	29,705	710	56.98	8.27%
$40,000 - $49,999	3,806	5.38%	167,933,082	9.75%	122,654,023	10.92%	38,580	712	57.84	7.81%
$50,000 - $59,999	996	1.41%	53,025,623	3.08%	39,460,072	3.51%	46,038	725	57.09	6.92%
$60,000 - $69,999	192	0.27%	12,090,920	0.70%	8,504,077	0.76%	51,007	777	51.75	4.09%
$70,000 - $79,999	-	-	-	-	-	-	-	-	-	-
$80,000 - $89,999	-	-	-	-	-	-	-	-	-	-
$90,000 - $99,999	-	-	-	-	-	-	-	-	-	-
Over $100,000	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	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	20,088	28.40%	413,206,641	23.99%	20,295,672	1.81%	3,268	695	13.63	8.09%
$5,000 - $9,999	4,062	5.74%	71,611,077	4.16%	29,972,655	2.67%	7,687	708	36.34	6.74%
$10,000 - $14,999	7,283	10.30%	115,508,450	6.71%	93,479,202	8.32%	12,993	697	51.26	7.26%
$15,000 - $19,999	11,910	16.84%	243,896,042	14.16%	209,190,663	18.62%	17,678	704	54.45	8.31%
$20,000 - $24,999	11,140	15.75%	285,941,082	16.60%	249,727,260	22.22%	22,509	704	56.48	8.79%
$25,000 - $29,999	7,900	11.17%	244,896,776	14.22%	215,614,558	19.19%	27,368	700	57.54	9.03%
$30,000 - $39,999	6,345	8.97%	244,867,850	14.22%	215,395,375	19.17%	34,171	711	58.42	8.15%
$40,000 - $49,999	1,798	2.54%	89,407,269	5.19%	78,877,582	7.02%	44,026	707	58.90	7.96%
$50,000 - $59,999	214	0.30%	13,028,232	0.76%	11,088,738	0.99%	51,847	766	55.32	4.96%
$60,000 - $69,999	-	-	-	-	-	-	-	-	-	-
$70,000 - $79,999	-	-	-	-	-	-	-	-	-	-
$80,000 - $89,999	-	-	-	-	-	-	-	-	-	-
$90,000 - $99,999	-	-	-	-	-	-	-	-	-	-
Over $100,000	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	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%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	8.33%
Variable	-	-	-	-	-	-	-	-	-	-
Other	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	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%	14,617,053	1.30%	23,938	800	47.41	2.23%
2.50 - 4.99%	19,968	28.23%	465,017,176	27.00%	286,887,582	25.53%	24,374	793	53.02	3.64%
5.00 - 7.49%	15,465	21.86%	371,475,982	21.57%	222,679,104	19.82%	24,926	737	53.94	6.54%
7.50 - 9.99%	14,412	20.37%	365,017,639	21.19%	233,010,495	20.74%	25,611	685	55.73	9.13%
10.00 - 12.49%	9,703	13.72%	256,110,228	14.87%	185,093,217	16.47%	26,896	653	58.27	11.10%
12.50 - 14.99%	6,768	9.57%	164,428,046	9.55%	121,104,911	10.78%	24,772	600	57.33	13.77%
15.00 - 17.49%	3,571	5.05%	79,247,037	4.60%	60,249,343	5.36%	21,586	587	54.32	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%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	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%	194,097	0.02%	25,680	492	47.56	12.67%
500 - 549	816	1.15%	19,473,473	1.13%	13,476,031	1.20%	24,824	538	55.94	13.30%
550 - 599	5,059	7.15%	123,046,653	7.14%	87,169,285	7.76%	25,292	579	56.20	13.03%
600 - 649	11,704	16.55%	285,440,372	16.57%	191,513,470	17.04%	25,260	626	56.04	11.83%
650 - 699	14,703	20.78%	361,897,586	21.01%	235,345,539	20.94%	25,356	675	55.96	9.72%
700 - 749	14,105	19.94%	341,345,848	19.82%	219,273,820	19.51%	24,895	724	55.33	7.54%
750 - 799	12,158	17.19%	296,708,718	17.23%	190,993,202	17.00%	24,891	774	54.25	5.32%
800+	11,483	16.23%	284,103,795	16.49%	179,050,476	15.93%	25,057	831	53.12	4.06%
NA	699	0.99%	10,054,106	0.58%	6,625,786	0.59%	13,727	0	50.22	14.81%
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	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%	74,846	0.01%	6,047	738	13.93	5.29%
25 - 36	235	0.33%	3,774,335	0.22%	2,025,221	0.18%	15,361	749	25.67	4.73%
37 - 48	1,049	1.48%	17,768,992	1.03%	11,888,988	1.06%	16,731	741	35.90	5.67%
49 - 60	14,137	19.98%	314,713,977	18.27%	197,067,560	17.54%	22,938	721	49.14	6.91%
61 - 72	41,604	58.81%	1,013,745,906	58.86%	668,816,092	59.52%	24,910	703	55.67	8.47%
73+	13,688	19.35%	372,121,345	21.61%	243,768,998	21.69%	27,603	693	59.52	9.28%
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	8.33%

Remaining Term (Months)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Repaid	12,028	17.00%	268,692,983	15.60%	52,046	0.00%	997	602	0.00	10.15%
1 - 12	6,871	9.71%	136,339,670	7.92%	17,992,814	1.60%	3,785	693	9.39	8.44%
13 - 24	2,205	3.12%	46,094,094	2.68%	11,541,645	1.03%	6,389	675	14.30	9.40%
25 - 36	604	0.85%	10,100,797	0.59%	6,972,318	0.62%	15,702	749	30.54	4.99%
37 - 48	5,279	7.46%	118,414,498	6.88%	90,887,440	8.09%	21,652	735	45.02	5.63%
49 - 60	29,128	41.18%	709,904,544	41.22%	607,564,417	54.07%	23,985	709	54.07	7.99%
61 - 72	14,625	20.67%	432,816,833	25.13%	388,631,023	34.59%	29,199	691	62.82	9.53%
73+	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	8.33%

Delinquency (Days)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Current	63,033	89.11%	1,522,788,013	88.41%	970,853,093	86.40%	24,801	716	54.96	7.78%
1 - 15	3,835	5.42%	100,157,204	5.82%	78,793,578	7.01%	26,640	647	55.88	11.02%
16 - 30	1,420	2.01%	36,573,576	2.12%	29,101,039	2.59%	26,512	625	55.96	12.13%
31 - 60	1,270	1.80%	32,539,285	1.89%	26,715,320	2.38%	26,304	611	55.97	12.93%
61 - 90	686	0.97%	17,793,124	1.03%	14,797,477	1.32%	26,896	604	56.26	13.31%
91 - 120	226	0.32%	5,624,689	0.33%	3,381,198	0.30%	26,610	600	55.18	13.37%
121+	270	0.38%	6,887,529	0.40%	0	0.00%	0	0	0.00	0.00%
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	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%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	8.33%
Stated, verified to Level 3²	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	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%	1,714,317,844	99.53%	1,117,791,969	99.48%	25,048	706	55.09	8.31%
Stated, verified but not Level 4 or 5	404	0.57%	8,045,575	0.47%	5,849,736	0.52%	24,101	409	54.58	12.47%
Stated, verified to Level 4³	-	-	-	-	-	-	-	-	-	-
Stated, verified to Level 5³	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	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%	300,583,634	26.75%	22,720	745	53.41	5.92%
5.00 - 9.99%	26,731	37.79%	667,755,197	38.77%	433,471,887	38.58%	25,353	706	55.19	8.15%
10.00 - 14.99%	12,618	17.84%	325,891,328	18.92%	220,263,570	19.60%	25,939	677	55.97	9.94%
15.00 - 19.99%	5,181	7.32%	139,788,529	8.12%	98,834,019	8.80%	26,861	666	56.70	10.91%
20.00 - 24.99%	2,209	3.12%	60,740,889	3.53%	43,330,858	3.86%	27,094	660	56.70	11.45%
25.00 - 29.99%	850	1.20%	24,411,213	1.42%	17,469,600	1.55%	28,289	669	56.63	11.17%
30.00 - 39.99%	368	0.52%	10,305,190	0.60%	7,108,309	0.63%	28,409	682	56.05	9.99%
40.00 - 49.99%	70	0.10%	2,300,673	0.13%	1,581,068	0.14%	31,420	721	56.62	8.68%
50.00 - 59.99%	26	0.04%	842,623	0.05%	606,632	0.05%	29,493	706	57.08	9.76%
60.00 - 69.99%	7	0.01%	265,172	0.02%	232,594	0.02%	34,447	703	57.33	8.10%
70.00 - 79.99%	2	0.00%	79,276	0.00%	69,913	0.01%	35,064	794	59.36	5.37%
80.00 - 89.99%	1	0.00%	47,469	0.00%	43,295	0.00%	43,295	757	62.00	10.45%
90.00 - 99.99%	1	0.00%	50,020	0.00%	46,327	0.00%	46,327	674	63.00	9.45%
100.00%+	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	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%	1,671,080	0.15%	6,103	732	47.62	3.84%
25.00 - 49.99%	3,216	4.55%	41,958,133	2.44%	27,454,808	2.44%	12,737	749	50.20	4.14%
50.00 - 74.99%	10,639	15.04%	213,463,645	12.39%	144,885,952	12.89%	19,872	744	53.16	5.06%
75.00 - 99.99%	26,406	37.33%	675,609,813	39.23%	461,472,078	41.07%	25,666	713	55.54	7.61%
100.00 - 109.99%	16,523	23.36%	448,519,255	26.04%	296,148,050	26.36%	27,381	686	56.33	9.83%
110.00 - 119.99%	9,948	14.06%	258,925,578	15.03%	155,697,739	13.86%	26,334	678	55.16	10.73%
120.00 - 129.99%	2,927	4.14%	66,219,679	3.84%	30,352,061	2.70%	23,305	671	51.20	11.50%
130.00 - 139.99%	512	0.72%	11,781,591	0.68%	4,966,874	0.44%	23,776	679	49.03	11.38%
140.00%+	136	0.19%	3,082,916	0.18%	993,063	0.09%	21,908	683	45.79	11.32%
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	8.33%

Loans by State	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Alabama	1,193	1.69%	29,175,023	1.69%	19,377,461	1.72%	25,067	689	55.90	9.35%
Alaska	14	0.02%	418,408	0.02%	256,509	0.02%	30,331	729	55.85	7.82%
Arizona	1,217	1.72%	29,318,302	1.70%	19,972,424	1.78%	25,176	709	55.27	8.06%
Arkansas	93	0.13%	2,406,851	0.14%	1,580,662	0.14%	26,035	710	54.04	8.13%
California	12,856	18.17%	315,606,566	18.32%	208,345,421	18.54%	25,623	709	54.69	7.89%
Colorado	1,743	2.46%	42,759,098	2.48%	28,479,897	2.53%	25,155	726	54.91	7.13%
Connecticut	618	0.87%	14,625,600	0.85%	8,961,428	0.80%	24,331	708	54.71	8.20%
Delaware	306	0.43%	6,982,925	0.41%	4,263,375	0.38%	23,331	711	52.76	7.66%
Florida	6,226	8.80%	156,464,811	9.08%	103,132,625	9.18%	25,790	693	56.12	8.91%
Georgia	4,855	6.86%	119,511,830	6.94%	81,032,014	7.21%	25,234	687	55.84	9.33%
Hawaii	17	0.02%	394,076	0.02%	181,288	0.02%	21,061	717	49.73	7.30%
Idaho	203	0.29%	4,723,725	0.27%	3,151,146	0.28%	23,899	710	54.82	7.66%
Illinois	3,189	4.51%	75,590,855	4.39%	47,031,745	4.19%	24,186	718	54.58	7.79%
Indiana	1,000	1.41%	23,747,138	1.38%	14,887,704	1.32%	24,016	724	55.28	7.61%
Iowa	228	0.32%	5,285,631	0.31%	3,053,336	0.27%	22,413	724	53.49	7.59%
Kansas	699	0.99%	16,192,406	0.94%	10,147,940	0.90%	23,605	724	53.62	7.48%
Kentucky	802	1.13%	19,047,711	1.11%	12,253,777	1.09%	24,456	721	55.05	7.41%
Louisiana	1,153	1.63%	29,606,788	1.72%	22,746,727	2.02%	25,945	680	56.95	9.61%
Maine	122	0.17%	3,186,904	0.19%	2,329,247	0.21%	26,589	720	54.57	7.12%
Maryland	2,833	4.00%	67,891,952	3.94%	42,104,515	3.75%	24,388	708	54.83	8.38%
Massachusetts	728	1.03%	16,868,180	0.98%	10,926,063	0.97%	24,149	722	54.98	7.41%
Michigan	72	0.10%	1,629,305	0.09%	605,512	0.05%	27,073	703	50.21	8.87%
Minnesota	300	0.42%	6,590,418	0.38%	4,307,312	0.38%	23,186	710	54.46	8.59%
Mississippi	757	1.07%	19,584,968	1.14%	13,442,525	1.20%	26,019	679	55.54	9.92%
Missouri	764	1.08%	17,086,817	0.99%	9,726,456	0.87%	22,511	710	53.19	8.36%
Montana	19	0.03%	483,391	0.03%	241,444	0.02%	22,058	755	53.57	7.43%
Nebraska	273	0.39%	6,388,599	0.37%	4,515,005	0.40%	23,133	741	54.39	6.82%
Nevada	1,773	2.51%	44,490,679	2.58%	28,806,864	2.56%	25,717	713	54.29	7.88%
New Hampshire	86	0.12%	2,071,812	0.12%	1,415,502	0.13%	23,955	721	56.61	7.07%
New Jersey	545	0.77%	12,855,341	0.75%	8,511,971	0.76%	25,079	717	54.91	7.81%
New Mexico	472	0.67%	11,313,042	0.66%	7,404,694	0.66%	25,054	704	54.87	8.21%
New York	46	0.07%	1,119,791	0.07%	812,643	0.07%	24,926	688	56.20	8.87%
North Carolina	3,724	5.26%	89,957,698	5.22%	57,358,278	5.10%	24,734	704	55.55	8.52%
North Dakota	8	0.01%	187,752	0.01%	72,850	0.01%	15,585	656	54.14	8.33%
Ohio	1,112	1.57%	26,992,285	1.57%	17,406,747	1.55%	25,342	706	54.92	8.49%
Oklahoma	541	0.76%	12,677,142	0.74%	8,277,891	0.74%	24,030	694	54.70	8.61%
Oregon	515	0.73%	11,266,570	0.65%	7,296,283	0.65%	22,023	704	53.94	7.92%
Pennsylvania	986	1.39%	23,320,349	1.35%	15,619,642	1.39%	24,587	711	55.20	7.87%
Rhode Island	177	0.25%	3,956,753	0.23%	2,391,618	0.21%	22,813	711	54.05	7.67%
South Carolina	1,999	2.83%	46,336,281	2.69%	30,177,173	2.69%	23,584	697	55.14	8.83%
South Dakota	15	0.02%	333,538	0.02%	176,304	0.02%	22,529	767	50.21	5.03%
Tennessee	2,648	3.74%	63,993,325	3.72%	39,919,768	3.55%	24,386	711	54.35	8.08%
Texas	8,041	11.37%	203,051,938	11.79%	131,892,420	11.74%	25,686	698	55.33	8.66%
Utah	276	0.39%	6,440,316	0.37%	4,125,588	0.37%	24,688	726	53.63	7.14%
Vermont	9	0.01%	156,460	0.01%	84,187	0.01%	17,470	774	47.85	4.01%
Virginia	3,610	5.10%	85,411,502	4.96%	54,912,123	4.89%	24,391	715	54.69	7.99%
Washington	1,015	1.43%	24,581,546	1.43%	16,583,816	1.48%	24,959	706	54.32	7.97%
West Virginia	67	0.09%	1,691,951	0.10%	1,096,596	0.10%	25,864	682	55.30	9.41%
Wisconsin	655	0.93%	15,253,219	0.89%	10,353,705	0.92%	23,595	706	55.74	8.45%
Wyoming	27	0.04%	686,680	0.04%	385,738	0.03%	25,761	698	56.45	8.89%
American Samoa	-	-	-	-	-	-	-	-	-	-
Armed Forces Amer.	-	-	-	-	-	-	-	-	-	-
Armed Forces EMEA	-	-	-	-	-	-	-	-	-	-
Armed Forces Pacific	1	0.00%	31,416	0.00%	27,116	0.00%	27,116	585	59.00	9.45%
District of Columbia	109	0.15%	2,527,839	0.15%	1,462,054	0.13%	24,248	704	52.73	8.53%
Guam	1	0.00%	19,294	0.00%	16,576	0.00%	16,576	816	51.00	2.95%
Mariana Islands	-	-	-	-	-	-	-	-	-	-
Marshall Islands	-	-	-	-	-	-	-	-	-	-
Micronesia	-	-	-	-	-	-	-	-	-	-
Palau	-	-	-	-	-	-	-	-	-	-
Puerto Rico	2	0.00%	70,620	0.00%	0	0.00%	0	0	0.00	0.00%
Virgin Islands	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	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%	53,753	0.00%	5,240	712	11.46	6.46%
Used	70,702	99.95%	1,721,348,688	99.94%	1,123,587,952	100.00%	25,044	705	55.09	8.34%
NA	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	8.33%

Vehicle Type	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Car	29,616	41.87%	627,008,588	36.40%	391,158,278	34.81%	21,962	687	54.53	9.15%
Truck	6,721	9.50%	206,504,218	11.99%	137,502,615	12.24%	29,950	724	55.03	7.46%
SUV	29,356	41.50%	756,385,407	43.92%	501,175,393	44.60%	25,835	712	55.40	7.96%
Motorcycle	-	-	-	-	-	-	-	-	-	-
Other	2,132	3.01%	52,970,669	3.08%	33,347,319	2.97%	25,019	725	54.18	7.42%
Unknown	2,915	4.12%	79,494,537	4.62%	60,458,100	5.38%	27,268	705	56.81	8.65%
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	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%	101,430,562	9.03%	24,754	704	54.52	8.35%
Ford: Lincoln	402	0.57%	10,861,507	0.63%	6,846,882	0.61%	26,993	714	54.25	8.09%
Ford: Mercury	5	0.01%	83,313	0.00%	36,837	0.00%	17,349	776	55.36	7.93%
GMC	1,550	2.19%	46,483,879	2.70%	29,193,261	2.60%	29,555	711	54.58	8.11%
GMC: Buick	769	1.09%	16,386,352	0.95%	8,794,524	0.78%	20,084	700	53.08	8.79%
GMC: Cadillac	801	1.13%	22,893,121	1.33%	12,982,878	1.16%	28,464	698	53.76	8.56%
GMC: Chevrolet	5,795	8.19%	146,729,151	8.52%	92,002,530	8.19%	26,470	698	54.97	8.70%
GMC: Hummer	2	0.00%	50,960	0.00%	257	0.00%	257	665	2.00	6.95%
GMC: Oldsmobile	-	-	-	-	-	-	-	-	-	-
GMC: Pontiac	4	0.01%	50,659	0.00%	919	0.00%	919	699	6.00	6.95%
GMC: Saturn	2	0.00%	16,849	0.00%	0	0.00%	0	0	0.00	0.00%
Tesla	505	0.71%	22,188,191	1.29%	16,358,240	1.46%	40,284	728	57.72	6.23%
VHPG	-	-	-	-	-	-	-	-	-	-
Aston Martin	-	-	-	-	-	-	-	-	-	-
BMW	1,754	2.48%	52,781,310	3.06%	35,171,707	3.13%	29,357	707	55.08	8.13%
BMW: Mini	443	0.63%	8,557,670	0.50%	5,461,215	0.49%	18,523	714	53.26	7.76%
Daimler: Freightliner	-	-	-	-	-	-	-	-	-	-
Daimler: Mercedes-Benz	1,754	2.48%	54,051,498	3.14%	34,539,268	3.07%	29,389	698	54.89	8.66%
Daimler: Smart	46	0.07%	535,157	0.03%	209,094	0.02%	10,635	681	48.09	9.70%
Fiat	241	0.34%	3,830,341	0.22%	2,344,754	0.21%	15,771	679	53.63	9.19%
Fiat: Alfa Romeo	-	-	-	-	-	-	-	-	-	-
Fiat: Chrysler	935	1.32%	22,726,959	1.32%	14,251,163	1.27%	24,489	705	55.17	8.70%
Fiat: Dodge	3,217	4.55%	93,905,996	5.45%	61,693,659	5.49%	29,494	696	55.84	8.85%
Fiat: Jeep	4,331	6.12%	111,739,875	6.49%	74,740,897	6.65%	25,839	706	56.06	8.23%
Fiat: Maserati	-	-	-	-	-	-	-	-	-	-
Geely: Volvo	371	0.52%	9,958,528	0.58%	6,814,081	0.61%	26,628	723	54.56	7.12%
Lotus	-	-	-	-	-	-	-	-	-	-
McLaren	-	-	-	-	-	-	-	-	-	-
Volkswagen	2,028	2.87%	45,038,328	2.61%	32,421,405	2.89%	22,623	696	56.52	8.58%
Volkswagen: Audi	1,011	1.43%	30,503,606	1.77%	20,540,129	1.83%	29,072	714	55.12	7.74%
Volkswagen: Bentley	-	-	-	-	-	-	-	-	-	-
Volkswagen: Porsche	222	0.31%	9,504,495	0.55%	6,221,121	0.55%	38,800	738	52.91	6.20%
Honda	6,683	9.45%	147,494,561	8.56%	99,560,079	8.86%	21,825	707	55.04	8.35%
Honda: Acura	794	1.12%	19,934,601	1.16%	12,262,649	1.09%	25,025	710	54.71	8.26%
Hyundai	3,681	5.20%	71,889,266	4.17%	45,910,839	4.09%	20,002	684	54.90	9.17%
Hyundai: Kia	2,920	4.13%	60,155,429	3.49%	38,750,555	3.45%	21,369	685	55.45	9.37%
Isuzu	-	-	-	-	-	-	-	-	-	-
Mazda	1,744	2.47%	36,241,008	2.10%	24,970,448	2.22%	20,498	705	55.25	8.34%
Mitsubishi	548	0.77%	10,348,129	0.60%	7,177,405	0.64%	18,780	661	56.76	10.14%
Nissan	6,161	8.71%	123,756,938	7.19%	75,168,620	6.69%	20,264	687	54.55	9.41%
Nissan: Infiniti	939	1.33%	25,679,573	1.49%	15,628,679	1.39%	25,836	702	54.56	8.55%
Saab	-	-	-	-	-	-	-	-	-	-
Subaru	2,313	3.27%	53,128,378	3.08%	36,717,605	3.27%	22,257	734	55.23	6.96%
Suzuki	-	-	-	-	-	-	-	-	-	-
Tata: Jaguar	215	0.30%	7,205,489	0.42%	5,083,908	0.45%	31,162	700	55.78	8.29%
Tata: Land Rover	371	0.52%	14,142,564	0.82%	9,747,245	0.87%	36,407	716	55.49	7.20%
Toyota	9,282	13.12%	220,476,042	12.80%	149,578,984	13.31%	24,210	716	55.12	7.78%
Toyota: Lexus	2,041	2.89%	58,806,849	3.41%	39,582,637	3.52%	28,472	725	54.77	7.29%
Toyota: Scion	194	0.27%	3,013,892	0.17%	1,446,671	0.13%	13,942	653	47.44	10.11%
Other	-	-	-	-	-	-	-	-	-	-
Unknown	-	-	-	-	-	-	-	-	-	-
Total:	70,740	100.00%	1,722,363,419	100.00%	1,123,641,705	100.00%	25,043	705	55.09	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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