StratMaker (145290)

CarMax Auto Owner Trust 2023-1

StratMaker Datatape Summary

Beginning Period

Jan 1, 2023

As % of Reporting Period ELA:

Ending Period

Jan 31, 2023

New % / Used %

0.02% / 99.98%

Total Original # of Loans

75,490

WA Loan to Value (LTV)

86.42%

Total Original Loan Amount (OLA)

$ 1,881,651,111

WA Payment to Income (PTI)

9.05%

Weighted Average (WA) OLA

$ 29,454

WA FICO (non-zero)

714

Rep. Period Beginning Loan Amount

$ 1,491,002,574

WA Remaining Term (RT)

59.19

Rep. Period Ending Loan Amount (ELA)

$ 1,446,302,564

WA Original APR

9.11%

Beginning Period

Jan 1, 2023

Ending Period

Jan 31, 2023

Total Original # of Loans

75,490

Total Original Loan Amount (OLA)

$ 1,881,651,111

Weighted Average (WA) OLA

$ 29,454

Rep. Period Beginning Loan Amount

$ 1,491,002,574

Rep. Period Ending Loan Amount (ELA)

$ 1,446,302,564

As % of Reporting Period ELA:

New % / Used %

0.02% / 99.98%

WA Loan to Value (LTV)

86.42%

WA Payment to Income (PTI)

9.05%

WA FICO (non-zero)

714

WA Remaining Term (RT)

59.19

WA Original APR

9.11%

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	174	0.23%	692,794	0.04%	531,444	0.04%	3,587	689	47.33	5.50%
$5,000 - $9,999	2,020	2.68%	16,581,362	0.88%	9,688,788	0.67%	6,952	713	48.65	6.02%
$10,000 - $14,999	8,985	11.90%	116,571,724	6.20%	61,230,733	4.23%	10,532	699	48.71	7.68%
$15,000 - $19,999	16,487	21.84%	289,614,854	15.39%	181,835,410	12.57%	15,076	698	53.00	9.01%
$20,000 - $24,999	15,928	21.10%	357,065,184	18.98%	261,794,229	18.10%	20,119	713	57.56	9.23%
$25,000 - $29,999	12,368	16.38%	338,286,853	17.98%	268,868,937	18.59%	24,995	710	59.88	9.43%
$30,000 - $39,999	13,056	17.30%	444,922,549	23.65%	377,517,922	26.10%	31,949	712	61.98	9.33%
$40,000 - $49,999	4,209	5.58%	185,851,988	9.88%	165,856,352	11.47%	41,815	709	63.54	9.37%
$50,000 - $59,999	1,455	1.93%	78,806,926	4.19%	71,842,809	4.97%	51,604	709	63.26	9.13%
$60,000 - $69,999	613	0.81%	39,068,956	2.08%	36,026,003	2.49%	60,202	736	62.40	7.51%
$70,000 - $79,999	195	0.26%	14,187,922	0.75%	11,109,937	0.77%	60,537	793	53.53	4.41%
$80,000 - $89,999	-	-	-	-	-	-	-	-	-	-
$90,000 - $99,999	-	-	-	-	-	-	-	-	-	-
Over $100,000	-	-	-	-	-	-	-	-	-	-
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

Reporting Period ELA	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
$0 - $4,999	15,030	19.91%	265,155,032	14.09%	36,048,450	2.49%	3,259	707	12.75	7.65%
$5,000 - $9,999	8,078	10.70%	164,627,066	8.75%	56,952,300	3.94%	7,339	696	26.29	8.58%
$10,000 - $14,999	6,105	8.09%	102,025,913	5.42%	78,023,029	5.39%	12,946	701	52.19	7.86%
$15,000 - $19,999	10,693	14.16%	203,814,913	10.83%	188,558,953	13.04%	17,748	708	59.04	8.86%
$20,000 - $24,999	11,620	15.39%	277,528,971	14.75%	261,213,024	18.06%	22,572	715	61.37	9.24%
$25,000 - $29,999	9,271	12.28%	268,002,413	14.24%	253,896,741	17.55%	27,462	710	62.69	9.49%
$30,000 - $39,999	9,780	12.96%	350,054,404	18.60%	333,494,347	23.06%	34,330	712	63.92	9.42%
$40,000 - $49,999	3,219	4.26%	148,772,151	7.91%	142,069,622	9.82%	44,313	705	64.42	9.62%
$50,000 - $59,999	1,290	1.71%	74,492,579	3.96%	70,450,361	4.87%	54,775	719	62.99	8.63%
$60,000 - $69,999	404	0.54%	27,177,670	1.44%	25,595,737	1.77%	63,461	742	62.21	7.23%
$70,000 - $79,999	-	-	-	-	-	-	-	-	-	-
$80,000 - $89,999	-	-	-	-	-	-	-	-	-	-
$90,000 - $99,999	-	-	-	-	-	-	-	-	-	-
Over $100,000	-	-	-	-	-	-	-	-	-	-
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

Original Interest Rate Type	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Fixed	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%
Variable	-	-	-	-	-	-	-	-	-	-
Other	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

Original APR	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
0.00 - 2.49%	98	0.13%	3,129,090	0.17%	2,375,732	0.16%	35,112	798	47.94	2.24%
2.50 - 4.99%	20,261	26.84%	485,227,175	25.79%	354,611,352	24.52%	27,660	802	56.60	4.05%
5.00 - 7.49%	14,374	19.04%	343,718,970	18.27%	239,821,383	16.58%	27,490	758	57.38	6.44%
7.50 - 9.99%	13,379	17.72%	332,546,691	17.67%	238,625,296	16.50%	28,067	703	58.02	8.97%
10.00 - 12.49%	14,253	18.88%	380,560,429	20.22%	318,321,732	22.01%	29,653	667	61.80	11.56%
12.50 - 14.99%	7,860	10.41%	203,803,504	10.83%	172,516,397	11.93%	29,206	631	62.07	13.94%
15.00 - 17.49%	5,265	6.97%	132,665,251	7.05%	120,030,671	8.30%	27,730	585	61.95	16.37%
17.50 - 19.99%	-	-	-	-	-	-	-	-	-	-
20.00 - 22.49%	-	-	-	-	-	-	-	-	-	-
22.50 - 24.99%	-	-	-	-	-	-	-	-	-	-
25.00 - 27.49%	-	-	-	-	-	-	-	-	-	-
27.50 - 29.99%	-	-	-	-	-	-	-	-	-	-
30.00%+	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

Original FICO Score	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Less than 500	11	0.01%	267,649	0.01%	197,896	0.01%	32,700	486	56.18	13.36%
500 - 549	858	1.14%	21,636,626	1.15%	17,117,304	1.18%	29,590	538	60.50	14.44%
550 - 599	4,927	6.53%	123,651,464	6.57%	99,672,264	6.89%	28,613	580	60.23	13.98%
600 - 649	12,063	15.98%	303,894,819	16.15%	235,497,599	16.28%	28,550	627	59.81	12.89%
650 - 699	15,561	20.61%	390,424,369	20.75%	299,793,783	20.73%	28,560	675	59.90	10.99%
700 - 749	14,571	19.30%	355,313,093	18.88%	269,100,559	18.61%	27,637	724	59.27	8.75%
750 - 799	13,503	17.89%	336,784,631	17.90%	258,166,839	17.85%	28,379	774	58.72	5.99%
800+	13,333	17.66%	340,326,425	18.09%	259,670,319	17.95%	28,776	832	57.89	4.58%
NA	663	0.88%	9,352,036	0.50%	7,086,001	0.49%	14,335	0	53.24	15.84%
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

Original Term (Months)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
0 - 24	28	0.04%	303,685	0.02%	231,722	0.02%	11,947	751	20.35	5.87%
25 - 36	276	0.37%	4,406,292	0.23%	3,622,542	0.25%	18,982	760	31.60	5.47%
37 - 48	1,043	1.38%	17,866,293	0.95%	15,399,371	1.06%	19,735	736	41.69	6.57%
49 - 60	14,827	19.64%	339,022,409	18.02%	249,322,973	17.24%	26,835	732	53.67	7.27%
61 - 72	44,639	59.13%	1,107,968,353	58.88%	858,047,652	59.33%	28,016	710	59.73	9.29%
73+	14,677	19.44%	412,084,079	21.90%	319,678,304	22.10%	30,915	694	63.24	10.23%
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

Remaining Term (Months)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Repaid	1,222	1.62%	28,725,869	1.53%	0	0.00%	0	0	0.00	0.00%
1 - 12	9,804	12.99%	183,102,825	9.73%	22,247,872	1.54%	3,116	708	7.79	7.44%
13 - 24	10,587	14.02%	221,365,548	11.76%	63,775,673	4.41%	7,143	687	17.38	9.44%
25 - 36	541	0.72%	9,342,300	0.50%	7,300,518	0.50%	19,510	762	32.20	5.32%
37 - 48	2,278	3.02%	45,166,989	2.40%	37,590,854	2.60%	22,336	737	44.53	6.22%
49 - 60	21,792	28.87%	542,139,458	28.81%	499,437,773	34.53%	27,548	728	56.31	7.55%
61 - 72	29,266	38.77%	851,808,122	45.27%	815,949,874	56.42%	31,525	700	66.54	10.25%
73+	-	-	-	-	-	-	-	-	-	-
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

Delinquency (Days)	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Current	69,161	91.62%	1,712,739,889	91.02%	1,313,589,614	90.82%	28,164	718	59.24	8.78%
1 - 15	4,318	5.72%	113,759,572	6.05%	87,960,769	6.08%	29,663	647	58.40	12.06%
16 - 30	1,334	1.77%	36,192,024	1.92%	28,863,194	2.00%	30,506	625	59.27	12.93%
31 - 60	653	0.87%	18,247,609	0.97%	15,261,699	1.06%	31,649	620	59.21	13.36%
61 - 90	24	0.03%	712,018	0.04%	627,288	0.04%	31,543	626	58.55	12.81%
91 - 120	-	-	-	-	-	-	-	-	-	-
121+	-	-	-	-	-	-	-	-	-	-
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

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	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%
Stated, verified to Level 3²	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

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	75,059	99.43%	1,872,613,845	99.52%	1,438,533,612	99.46%	28,337	712	59.19	9.09%
Stated, verified but not Level 4 or 5	431	0.57%	9,037,267	0.48%	7,768,952	0.54%	28,934	439	59.40	13.43%
Stated, verified to Level 4³	-	-	-	-	-	-	-	-	-	-
Stated, verified to Level 5³	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

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%	24,872	32.95%	546,587,308	29.05%	394,566,460	27.28%	25,206	747	57.18	6.70%
5.00 - 9.99%	29,078	38.52%	742,477,346	39.46%	571,410,260	39.51%	28,573	711	59.38	8.99%
10.00 - 14.99%	12,961	17.17%	345,795,463	18.38%	274,986,491	19.01%	29,635	684	60.09	10.84%
15.00 - 19.99%	5,176	6.86%	144,633,885	7.69%	119,055,658	8.23%	30,950	673	61.06	11.68%
20.00 - 24.99%	2,094	2.77%	61,631,707	3.28%	52,050,436	3.60%	32,571	670	61.61	12.08%
25.00 - 29.99%	820	1.09%	25,069,143	1.33%	21,282,940	1.47%	34,159	665	62.14	12.20%
30.00 - 39.99%	367	0.49%	11,423,205	0.61%	9,590,416	0.66%	35,243	686	61.54	10.86%
40.00 - 49.99%	83	0.11%	2,564,319	0.14%	2,095,123	0.14%	34,034	730	60.55	9.36%
50.00 - 59.99%	21	0.03%	784,845	0.04%	699,864	0.05%	40,430	727	59.47	9.53%
60.00 - 69.99%	12	0.02%	401,928	0.02%	313,691	0.02%	31,313	724	61.94	9.51%
70.00 - 79.99%	3	0.00%	162,129	0.01%	155,872	0.01%	54,409	785	62.16	7.43%
80.00 - 89.99%	1	0.00%	37,641	0.00%	15,405	0.00%	15,405	657	57.00	11.45%
90.00 - 99.99%	2	0.00%	82,193	0.00%	79,949	0.01%	39,995	696	63.65	9.75%
100.00%+	-	-	-	-	-	-	-	-	-	-
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

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%	369	0.49%	2,221,437	0.12%	1,839,782	0.13%	6,366	734	51.87	4.68%
25.00 - 49.99%	3,165	4.19%	40,246,255	2.14%	33,261,619	2.30%	13,731	751	55.00	4.90%
50.00 - 74.99%	10,248	13.58%	203,018,172	10.79%	164,300,654	11.36%	21,757	750	57.87	5.72%
75.00 - 99.99%	26,618	35.26%	683,014,449	36.30%	538,434,921	37.23%	28,640	723	59.69	8.10%
100.00 - 109.99%	18,304	24.25%	513,765,151	27.30%	401,534,664	27.76%	31,372	694	60.43	10.39%
110.00 - 119.99%	12,157	16.10%	329,634,667	17.52%	242,113,329	16.74%	30,024	686	59.15	11.37%
120.00 - 129.99%	3,732	4.94%	87,511,148	4.65%	52,584,714	3.64%	25,254	680	53.65	11.99%
130.00 - 139.99%	728	0.96%	18,093,760	0.96%	10,250,080	0.71%	27,532	681	52.60	12.10%
140.00%+	169	0.22%	4,146,072	0.22%	1,982,801	0.14%	24,189	690	47.69	11.48%
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

Loans by State	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Alabama	1,158	1.53%	29,378,509	1.56%	23,085,095	1.60%	28,576	698	59.85	10.25%
Alaska	15	0.02%	453,294	0.02%	338,825	0.02%	31,185	702	60.92	9.30%
Arizona	1,132	1.50%	28,589,177	1.52%	22,860,892	1.58%	29,248	716	59.72	8.65%
Arkansas	104	0.14%	2,734,300	0.15%	2,226,555	0.15%	29,760	713	58.75	9.06%
California	12,308	16.30%	310,947,114	16.53%	238,202,171	16.47%	29,822	714	58.86	8.73%
Colorado	1,965	2.60%	49,591,162	2.64%	39,496,591	2.73%	28,780	729	59.53	8.07%
Connecticut	648	0.86%	15,359,330	0.82%	11,180,628	0.77%	26,083	713	57.96	8.97%
Delaware	462	0.61%	10,523,214	0.56%	7,771,524	0.54%	24,045	695	56.80	9.29%
Florida	5,803	7.69%	150,475,560	8.00%	117,739,570	8.14%	29,929	696	60.41	9.85%
Georgia	4,754	6.30%	119,689,455	6.36%	94,090,401	6.51%	28,253	691	60.15	10.36%
Hawaii	12	0.02%	219,129	0.01%	129,570	0.01%	22,114	719	52.63	7.20%
Idaho	228	0.30%	5,109,506	0.27%	4,124,623	0.29%	25,667	732	60.02	8.35%
Illinois	3,967	5.26%	94,188,064	5.01%	68,147,822	4.71%	25,971	722	58.18	8.57%
Indiana	1,276	1.69%	31,333,401	1.67%	23,792,163	1.65%	27,612	721	58.93	8.54%
Iowa	308	0.41%	7,297,062	0.39%	5,629,370	0.39%	26,619	723	58.42	8.51%
Kansas	977	1.29%	23,201,685	1.23%	17,352,584	1.20%	25,640	728	58.18	8.19%
Kentucky	905	1.20%	21,128,314	1.12%	16,398,710	1.13%	25,687	721	59.06	8.40%
Louisiana	945	1.25%	25,562,100	1.36%	21,897,962	1.51%	30,209	694	61.44	10.10%
Maine	157	0.21%	4,049,963	0.22%	3,217,939	0.22%	28,633	731	60.16	7.83%
Maryland	3,001	3.98%	73,184,578	3.89%	52,193,207	3.61%	27,820	711	58.52	9.32%
Massachusetts	758	1.00%	17,774,688	0.94%	13,377,338	0.92%	26,652	728	58.44	8.00%
Michigan	74	0.10%	1,617,117	0.09%	887,641	0.06%	22,650	710	49.03	8.43%
Minnesota	331	0.44%	7,874,455	0.42%	5,601,317	0.39%	26,959	714	57.66	9.16%
Mississippi	761	1.01%	20,016,853	1.06%	16,020,947	1.11%	29,029	689	60.22	10.75%
Missouri	1,256	1.66%	28,243,273	1.50%	19,589,063	1.35%	23,101	720	53.22	8.11%
Montana	28	0.04%	689,915	0.04%	489,782	0.03%	30,883	712	55.76	8.19%
Nebraska	285	0.38%	6,766,078	0.36%	4,980,753	0.34%	27,306	747	58.27	7.69%
Nevada	1,991	2.64%	51,620,324	2.74%	40,168,334	2.78%	29,400	712	59.20	8.82%
New Hampshire	118	0.16%	2,721,468	0.14%	2,069,965	0.14%	24,783	733	57.77	7.48%
New Jersey	716	0.95%	17,934,275	0.95%	13,894,139	0.96%	28,672	716	59.99	8.68%
New Mexico	606	0.80%	15,335,993	0.82%	12,377,935	0.86%	28,508	716	59.31	8.90%
New York	3	0.00%	77,419	0.00%	46,069	0.00%	23,299	745	55.89	6.72%
North Carolina	3,809	5.05%	91,727,946	4.87%	70,442,905	4.87%	27,299	710	59.40	9.32%
North Dakota	7	0.01%	176,281	0.01%	106,112	0.01%	29,171	690	55.79	11.14%
Ohio	1,285	1.70%	31,442,989	1.67%	23,252,873	1.61%	27,586	713	58.74	9.03%
Oklahoma	605	0.80%	15,059,637	0.80%	12,095,508	0.84%	28,298	709	59.92	9.25%
Oregon	628	0.83%	14,228,642	0.76%	11,134,465	0.77%	26,267	720	58.16	8.55%
Pennsylvania	988	1.31%	23,547,615	1.25%	17,304,192	1.20%	27,010	712	58.27	8.79%
Rhode Island	221	0.29%	5,252,406	0.28%	4,115,926	0.28%	26,946	722	60.02	8.93%
South Carolina	2,038	2.70%	48,283,742	2.57%	37,071,081	2.56%	26,669	706	59.22	9.42%
South Dakota	15	0.02%	409,353	0.02%	334,237	0.02%	33,458	693	56.29	8.31%
Tennessee	3,874	5.13%	97,022,197	5.16%	77,051,346	5.33%	27,610	717	59.26	8.88%
Texas	8,469	11.22%	221,192,524	11.76%	172,458,894	11.92%	29,430	701	59.72	9.50%
Utah	362	0.48%	9,168,884	0.49%	7,486,951	0.52%	29,275	738	59.84	7.32%
Vermont	12	0.02%	250,659	0.01%	172,278	0.01%	20,110	727	52.15	7.83%
Virginia	3,820	5.06%	93,653,568	4.98%	69,633,698	4.81%	27,513	723	58.55	8.68%
Washington	1,281	1.70%	32,151,409	1.71%	26,051,091	1.80%	28,524	716	59.21	8.80%
West Virginia	106	0.14%	2,784,422	0.15%	2,242,993	0.16%	30,073	718	59.25	9.01%
Wisconsin	738	0.98%	17,175,050	0.91%	12,795,638	0.88%	25,667	722	59.34	8.81%
Wyoming	43	0.06%	1,068,904	0.06%	776,490	0.05%	23,910	722	54.50	7.69%
American Samoa	-	-	-	-	-	-	-	-	-	-
Armed Forces Amer.	-	-	-	-	-	-	-	-	-	-
Armed Forces EMEA	-	-	-	-	-	-	-	-	-	-
Armed Forces Pacific	-	-	-	-	-	-	-	-	-	-
District of Columbia	137	0.18%	3,368,108	0.18%	2,396,402	0.17%	26,877	701	58.38	9.73%
Guam	-	-	-	-	-	-	-	-	-	-
Mariana Islands	-	-	-	-	-	-	-	-	-	-
Marshall Islands	-	-	-	-	-	-	-	-	-	-
Micronesia	-	-	-	-	-	-	-	-	-	-
Palau	-	-	-	-	-	-	-	-	-	-
Puerto Rico	-	-	-	-	-	-	-	-	-	-
Virgin Islands	-	-	-	-	-	-	-	-	-	-
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

Vehicle Status	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
New	50	0.07%	1,118,092	0.06%	256,375	0.02%	15,147	745	21.72	5.96%
Used	75,440	99.93%	1,880,533,019	99.94%	1,446,046,189	99.98%	28,342	710	59.20	9.11%
NA	-	-	-	-	-	-	-	-	-	-
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

Vehicle Type	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
Car	29,514	39.10%	625,208,292	33.23%	451,560,989	31.22%	24,084	694	57.85	9.88%
Truck	6,953	9.21%	220,541,806	11.72%	173,222,190	11.98%	33,950	726	59.69	8.49%
SUV	31,795	42.12%	836,667,154	44.46%	648,405,190	44.83%	29,101	716	59.54	8.76%
Motorcycle	-	-	-	-	-	-	-	-	-	-
Other	2,272	3.01%	56,960,023	3.03%	40,334,231	2.79%	27,839	730	57.27	8.03%
Unknown	4,956	6.57%	142,273,837	7.56%	132,779,964	9.18%	31,929	711	62.01	9.30%
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

Manufacturer	Orig. # of Loans	%	Orig. Loan Amt ($)	%	Reporting Period ELA ($)	%	WA ELA ($)¹	WA FICO¹	WA RT¹	WA APR¹
DeLorean	-	-	-	-	-	-	-	-	-	-
Fisker Automotive	-	-	-	-	-	-	-	-	-	-
Ford	7,101	9.41%	176,535,361	9.38%	132,184,991	9.14%	28,258	713	58.41	9.08%
Ford: Lincoln	474	0.63%	13,254,418	0.70%	10,002,447	0.69%	30,621	723	58.06	8.37%
Ford: Mercury	8	0.01%	119,269	0.01%	70,625	0.00%	16,667	736	48.83	8.52%
GMC	1,683	2.23%	50,306,660	2.67%	36,332,797	2.51%	32,877	714	58.06	9.00%
GMC: Buick	928	1.23%	19,705,679	1.05%	12,933,928	0.89%	21,186	704	56.50	9.58%
GMC: Cadillac	894	1.18%	26,712,848	1.42%	20,075,892	1.39%	31,624	706	58.42	9.34%
GMC: Chevrolet	6,161	8.16%	158,244,254	8.41%	118,909,459	8.22%	29,311	700	58.97	9.72%
GMC: Hummer	3	0.00%	72,554	0.00%	10,842	0.00%	5,426	700	11.54	9.21%
GMC: Oldsmobile	-	-	-	-	-	-	-	-	-	-
GMC: Pontiac	3	0.00%	41,156	0.00%	8,923	0.00%	4,164	694	9.29	12.46%
GMC: Saturn	7	0.01%	88,642	0.00%	18,687	0.00%	3,005	664	10.80	9.63%
Tesla	511	0.68%	26,621,852	1.41%	24,599,772	1.70%	51,592	727	63.25	7.66%
VHPG	-	-	-	-	-	-	-	-	-	-
Aston Martin	-	-	-	-	-	-	-	-	-	-
BMW	2,254	2.99%	70,586,902	3.75%	55,826,720	3.86%	34,429	711	59.69	9.00%
BMW: Mini	519	0.69%	10,387,110	0.55%	8,095,723	0.56%	21,174	712	57.88	8.73%
Daimler: Freightliner	-	-	-	-	-	-	-	-	-	-
Daimler: Mercedes-Benz	2,168	2.87%	69,814,329	3.71%	55,540,547	3.84%	34,598	702	60.24	9.51%
Daimler: Smart	51	0.07%	604,418	0.03%	336,887	0.02%	13,196	624	49.16	11.02%
Fiat	268	0.36%	4,311,585	0.23%	2,828,823	0.20%	16,821	686	54.04	9.24%
Fiat: Alfa Romeo	-	-	-	-	-	-	-	-	-	-
Fiat: Chrysler	998	1.32%	23,065,073	1.23%	15,032,475	1.04%	24,427	706	55.85	9.19%
Fiat: Dodge	3,536	4.68%	104,857,359	5.57%	81,429,288	5.63%	33,178	701	60.03	9.75%
Fiat: Jeep	4,610	6.11%	116,949,129	6.22%	89,293,799	6.17%	27,606	711	59.49	9.07%
Fiat: Maserati	-	-	-	-	-	-	-	-	-	-
Geely: Volvo	621	0.82%	17,505,808	0.93%	14,744,096	1.02%	30,506	737	60.52	7.38%
Lotus	-	-	-	-	-	-	-	-	-	-
McLaren	-	-	-	-	-	-	-	-	-	-
Volkswagen	2,292	3.04%	51,359,018	2.73%	43,727,846	3.02%	24,771	700	61.35	9.47%
Volkswagen: Audi	1,400	1.85%	43,016,354	2.29%	35,133,247	2.43%	32,333	721	60.20	8.58%
Volkswagen: Bentley	-	-	-	-	-	-	-	-	-	-
Volkswagen: Porsche	240	0.32%	11,452,074	0.61%	9,701,085	0.67%	47,579	736	59.16	7.45%
Honda	6,161	8.16%	137,466,564	7.31%	107,207,058	7.41%	24,027	714	59.30	9.00%
Honda: Acura	941	1.25%	23,310,971	1.24%	16,125,352	1.11%	25,864	715	57.29	8.97%
Hyundai	4,111	5.45%	80,934,650	4.30%	60,259,865	4.17%	21,969	696	58.55	9.76%
Hyundai: Kia	3,119	4.13%	64,362,873	3.42%	47,925,719	3.31%	23,180	695	58.70	9.81%
Isuzu	-	-	-	-	-	-	-	-	-	-
Mazda	1,846	2.45%	38,667,589	2.05%	30,528,640	2.11%	22,666	717	59.62	8.74%
Mitsubishi	590	0.78%	11,500,795	0.61%	9,254,993	0.64%	21,261	680	61.04	10.43%
Nissan	6,531	8.65%	130,703,132	6.95%	90,826,965	6.28%	21,277	695	57.10	9.92%
Nissan: Infiniti	1,200	1.59%	33,032,261	1.76%	23,677,062	1.64%	27,792	701	58.31	9.91%
Saab	-	-	-	-	-	-	-	-	-	-
Subaru	2,403	3.18%	55,798,817	2.97%	46,783,441	3.23%	24,514	735	60.12	7.83%
Suzuki	-	-	-	-	-	-	-	-	-	-
Tata: Jaguar	281	0.37%	10,050,148	0.53%	8,571,319	0.59%	37,186	711	61.79	9.34%
Tata: Land Rover	573	0.76%	23,791,592	1.26%	20,261,453	1.40%	43,623	707	62.13	9.10%
Toyota	8,716	11.55%	211,853,751	11.26%	169,370,778	11.71%	27,177	723	59.50	8.45%
Toyota: Lexus	2,110	2.80%	61,654,621	3.28%	46,976,501	3.25%	31,281	725	58.86	8.30%
Toyota: Scion	178	0.24%	2,911,493	0.15%	1,694,521	0.12%	15,825	680	49.98	10.49%
Other	-	-	-	-	-	-	-	-	-	-
Unknown	-	-	-	-	-	-	-	-	-	-
Total:	75,490	100.00%	1,881,651,111	100.00%	1,446,302,564	100.00%	28,340	710	59.19	9.11%

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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