{
 "generated": "2026-08-25T01:10:55Z",
 "source": "Form ABS-EE asset-level data (Regulation AB II, 17 CFR 229.1125, Schedule AL), SEC EDGAR",
 "what_this_is": "Summary statistics per securitization shelf, computed from one filing per shelf.",
 "what_this_is_not": "Not underwriting guidelines. Not a comparison of lenders. Not a description of any lender's programs or current practices. Each row describes one securitized pool, as reported in one filing, on one date - a sponsor-selected subset of what an originator funded. Issuers securitizing privately under Rule 144A file no asset-level data and are absent by construction.",
 "sampling": "systematic across whole asset file, every 20th record",
 "not_published": "underwritingIndicator is recorded upstream but omitted here: filers apply it inconsistently and it cannot be read as an exception rate. Verification codes are raw and are not comparable across filers. LTV carries a per-shelf comparability flag.",
 "method": "https://claudeforcompliance.com/private-products/auto-credit-standards/",
 "shelves": [
  {
   "trust": "BRIDGECREST AUTO FUNDING LLC",
   "pool": "Bridgecrest Auto Funding LLC",
   "filed": "2026-08-17",
   "cik": "1974820",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1974820/000110465926097632/exh_102.xml",
   "records_seen": 29697,
   "loans_sampled": 1380,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "BAC",
     1338
    ],
    [
     "GOFI",
     42
    ]
   ],
   "credit_score": {
    "p5": 445.6,
    "p25": 502.0,
    "median": 551.0,
    "p75": 602.0,
    "p95": 692.0,
    "min": 383.0
   },
   "term_months": {
    "p5": 69.0,
    "p25": 69.0,
    "median": 71.0,
    "p75": 72.0,
    "p95": 72.0,
    "min": 45.0
   },
   "payment_to_income_pct": {
    "p5": 6.1,
    "p25": 10.0,
    "median": 13.5,
    "p75": 17.7,
    "p95": 22.9,
    "min": 2.0
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 14.1,
    "p25": 20.1,
    "median": 23.2,
    "p75": 25.0,
    "p95": 29.4,
    "min": 7.0
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.0,
   "ltv_pct": {
    "p5": 101.9,
    "p25": 126.9,
    "median": 141.9,
    "p75": 157.2,
    "p95": 180.6,
    "min": 40.4
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     1380
    ]
   ],
   "used_vehicle_pct": 99.9,
   "by_fico_band": [
    {
     "band": "deep_subprime",
     "range": "300-500",
     "n": 331,
     "share_pct": 24.0,
     "apr_median": 23.5,
     "apr_p25": 20.9,
     "apr_p75": 25.1,
     "pti_median": 12.9,
     "term_median": 70.0,
     "ltv_median": 142.8,
     "used_pct": 100.0
    },
    {
     "band": "subprime",
     "range": "501-600",
     "n": 691,
     "share_pct": 50.1,
     "apr_median": 23.6,
     "apr_p25": 20.9,
     "apr_p75": 25.5,
     "pti_median": 13.8,
     "term_median": 71.0,
     "ltv_median": 142.8,
     "used_pct": 99.9
    },
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 224,
     "share_pct": 16.2,
     "apr_median": 22.1,
     "apr_p25": 19.3,
     "apr_p75": 24.9,
     "pti_median": 13.8,
     "term_median": 71.0,
     "ltv_median": 141.4,
     "used_pct": 100.0
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 112,
     "share_pct": 8.1,
     "apr_median": 17.5,
     "apr_p25": 14.5,
     "apr_p75": 22.0,
     "pti_median": 13.9,
     "term_median": 71.0,
     "ltv_median": 139.1,
     "used_pct": 100.0
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 15,
     "share_pct": 1.1,
     "apr_median": 10.1,
     "apr_p25": 7.0,
     "apr_p75": 12.4,
     "pti_median": 12.1,
     "term_median": 71.0,
     "ltv_median": 123.2,
     "used_pct": 100.0
    }
   ],
   "top_states": [
    [
     "TX",
     207
    ],
    [
     "FL",
     175
    ],
    [
     "GA",
     145
    ],
    [
     "CA",
     91
    ],
    [
     "NC",
     87
    ],
    [
     "TN",
     60
    ],
    [
     "OH",
     58
    ],
    [
     "AZ",
     50
    ],
    [
     "PA",
     42
    ],
    [
     "AL",
     41
    ]
   ],
   "states_present": 38,
   "co_obligor_pct": 18.6,
   "vehicle_model_year": {
    "p5": 2014.0,
    "p25": 2016.0,
    "median": 2017.0,
    "p75": 2019.0,
    "p95": 2021.0,
    "min": 2011.0
   },
   "income_verification_codes": [
    [
     "3",
     1380
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     1380
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {},
   "codebook_fields": 0
  },
  {
   "trust": "BRIDGECREST LENDING AUTO SECURITIZATION TRUST",
   "pool": "Bridgecrest Lending Auto Securitization Trust 2023-1",
   "filed": "2026-08-17",
   "cik": "1993328",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1993328/000110465926097632/exh_102.xml",
   "records_seen": 29697,
   "loans_sampled": 1380,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "BAC",
     1338
    ],
    [
     "GOFI",
     42
    ]
   ],
   "credit_score": {
    "p5": 445.6,
    "p25": 502.0,
    "median": 551.0,
    "p75": 602.0,
    "p95": 692.0,
    "min": 383.0
   },
   "term_months": {
    "p5": 69.0,
    "p25": 69.0,
    "median": 71.0,
    "p75": 72.0,
    "p95": 72.0,
    "min": 45.0
   },
   "payment_to_income_pct": {
    "p5": 6.1,
    "p25": 10.0,
    "median": 13.5,
    "p75": 17.7,
    "p95": 22.9,
    "min": 2.0
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 14.1,
    "p25": 20.1,
    "median": 23.2,
    "p75": 25.0,
    "p95": 29.4,
    "min": 7.0
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.0,
   "ltv_pct": {
    "p5": 101.9,
    "p25": 126.9,
    "median": 141.9,
    "p75": 157.2,
    "p95": 180.6,
    "min": 40.4
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     1380
    ]
   ],
   "used_vehicle_pct": 99.9,
   "by_fico_band": [
    {
     "band": "deep_subprime",
     "range": "300-500",
     "n": 331,
     "share_pct": 24.0,
     "apr_median": 23.5,
     "apr_p25": 20.9,
     "apr_p75": 25.1,
     "pti_median": 12.9,
     "term_median": 70.0,
     "ltv_median": 142.8,
     "used_pct": 100.0
    },
    {
     "band": "subprime",
     "range": "501-600",
     "n": 691,
     "share_pct": 50.1,
     "apr_median": 23.6,
     "apr_p25": 20.9,
     "apr_p75": 25.5,
     "pti_median": 13.8,
     "term_median": 71.0,
     "ltv_median": 142.8,
     "used_pct": 99.9
    },
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 224,
     "share_pct": 16.2,
     "apr_median": 22.1,
     "apr_p25": 19.3,
     "apr_p75": 24.9,
     "pti_median": 13.8,
     "term_median": 71.0,
     "ltv_median": 141.4,
     "used_pct": 100.0
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 112,
     "share_pct": 8.1,
     "apr_median": 17.5,
     "apr_p25": 14.5,
     "apr_p75": 22.0,
     "pti_median": 13.9,
     "term_median": 71.0,
     "ltv_median": 139.1,
     "used_pct": 100.0
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 15,
     "share_pct": 1.1,
     "apr_median": 10.1,
     "apr_p25": 7.0,
     "apr_p75": 12.4,
     "pti_median": 12.1,
     "term_median": 71.0,
     "ltv_median": 123.2,
     "used_pct": 100.0
    }
   ],
   "top_states": [
    [
     "TX",
     207
    ],
    [
     "FL",
     175
    ],
    [
     "GA",
     145
    ],
    [
     "CA",
     91
    ],
    [
     "NC",
     87
    ],
    [
     "TN",
     60
    ],
    [
     "OH",
     58
    ],
    [
     "AZ",
     50
    ],
    [
     "PA",
     42
    ],
    [
     "AL",
     41
    ]
   ],
   "states_present": 38,
   "co_obligor_pct": 18.6,
   "vehicle_model_year": {
    "p5": 2014.0,
    "p25": 2016.0,
    "median": 2017.0,
    "p75": 2019.0,
    "p95": 2021.0,
    "min": 2011.0
   },
   "income_verification_codes": [
    [
     "3",
     1380
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     1380
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {},
   "codebook_fields": 0
  },
  {
   "trust": "CARVANA AUTO RECEIVABLES TRUST",
   "pool": "Carvana Auto Receivables Trust 2021-N1",
   "filed": "2026-08-14",
   "cik": "1842012",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1842012/000184201226000032/crvna21n1ex102.xml",
   "records_seen": 22397,
   "loans_sampled": 1049,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "Carvana, LLC",
     1049
    ]
   ],
   "credit_score": {
    "p5": 462.0,
    "p25": 520.0,
    "median": 574.0,
    "p75": 620.0,
    "p95": 680.0,
    "min": 389.0
   },
   "term_months": {
    "p5": 69.0,
    "p25": 69.0,
    "median": 72.0,
    "p75": 72.0,
    "p95": 72.0,
    "min": 42.0
   },
   "payment_to_income_pct": {
    "p5": 5.1,
    "p25": 8.8,
    "median": 11.9,
    "p75": 14.3,
    "p95": 16.3,
    "min": 1.3
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 11.3,
    "p25": 16.3,
    "median": 19.0,
    "p75": 23.0,
    "p95": 27.6,
    "min": 3.9
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.0,
   "ltv_pct": {
    "p5": 83.0,
    "p25": 96.2,
    "median": 101.3,
    "p75": 107.9,
    "p95": 117.9,
    "min": 51.3
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     1049
    ]
   ],
   "used_vehicle_pct": 100.0,
   "by_fico_band": [
    {
     "band": "deep_subprime",
     "range": "300-500",
     "n": 167,
     "share_pct": 15.9,
     "apr_median": 24.0,
     "apr_p25": 20.9,
     "apr_p75": 26.5,
     "pti_median": 11.1,
     "term_median": 72.0,
     "ltv_median": 98.1,
     "used_pct": 100.0
    },
    {
     "band": "subprime",
     "range": "501-600",
     "n": 510,
     "share_pct": 48.6,
     "apr_median": 20.7,
     "apr_p25": 18.4,
     "apr_p75": 23.9,
     "pti_median": 12.0,
     "term_median": 72.0,
     "ltv_median": 100.0,
     "used_pct": 100.0
    },
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 285,
     "share_pct": 27.2,
     "apr_median": 15.7,
     "apr_p25": 13.4,
     "apr_p75": 17.7,
     "pti_median": 12.0,
     "term_median": 72.0,
     "ltv_median": 105.5,
     "used_pct": 100.0
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 83,
     "share_pct": 7.9,
     "apr_median": 12.6,
     "apr_p25": 10.6,
     "apr_p75": 15.0,
     "pti_median": 13.1,
     "term_median": 72.0,
     "ltv_median": 104.1,
     "used_pct": 100.0
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 4,
     "share_pct": 0.4,
     "apr_median": 4.8,
     "apr_p25": 4.4,
     "apr_p75": 5.7,
     "pti_median": 4.6,
     "term_median": 69.0,
     "ltv_median": 99.2,
     "used_pct": 100.0
    }
   ],
   "top_states": [
    [
     "TX",
     88
    ],
    [
     "FL",
     85
    ],
    [
     "CA",
     82
    ],
    [
     "GA",
     70
    ],
    [
     "PA",
     61
    ],
    [
     "NY",
     57
    ],
    [
     "NC",
     54
    ],
    [
     "IL",
     53
    ],
    [
     "AZ",
     50
    ],
    [
     "MI",
     42
    ]
   ],
   "states_present": 47,
   "co_obligor_pct": 0.0,
   "vehicle_model_year": {
    "p5": 2012.0,
    "p25": 2014.0,
    "median": 2016.0,
    "p75": 2017.0,
    "p95": 2019.0,
    "min": 2009.0
   },
   "income_verification_codes": [
    [
     "3",
     1049
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     1049
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {
    "assetTypeNumber": "Item 3(a)(1) Asset Number Type - No response",
    "reportingPeriodBeginningDate": "Item 3(b)(1) Reporting Period Begin Date - No response",
    "reportingPeriodEndingDate": "Item 3(b)(2) Reporting Period End Date - No response",
    "originationDate": "Item 3(c)(2) Origination Date - No response",
    "originalLoanAmount": "Item 3(c)(3) Original Loan Amount - No response",
    "originalLoanTerm": "Item 3(c)(4) Original Loan Term - The number of scheduled monthly payments for the Receivable.",
    "loanMaturityDate": "Item 3(c)(5) Loan Maturity Date - The calendar month and year of the current maturity date of the related Receivable, after giving effect to any extensions, due date changes and bankruptcy-related repayment plans.",
    "originalInterestRatePercentage": "Item 3(c)(6) Original Interest Rate - The annual percentage rate on the contract.",
    "interestCalculationTypeCode": "Item 3(c)(7) Interest Calculation Type - No response",
    "originalInterestRateTypeCode": "Item 3(c)(8) Original Interest Rate Type - No response",
    "originalInterestOnlyTermNumber": "Item 3(c)(9) Original Interest-Only Term - Omitted as inapplicable because no Receivable has an interest-only period.",
    "originalFirstPaymentDate": "Item 3(c)(10) Original First Payment Date - No response",
    "underwritingIndicator": "Item 3(c)(11) Underwriting Indicator - All Receivables are originated using a single level of underwriting criteria.",
    "gracePeriodNumber": "Item 3(c)(12) Grace Period - The number of months from and including the origination date to but excluding the first payment date. For example, if the origination date is January 31 and the first payment date is March 1, the grace period will be 2 months.",
    "vehicleManufacturerName": "Item 3(d)(1) Vehicle Manufacturer - No response",
    "vehicleTypeCode": "Item 3(d)(5) Vehicle Type - This item represents Carvana's determination and may be considered a different vehicle type by the vehicle manufacturer and others. A response of \"98\" means the Financed Vehicle is a minivan.",
    "vehicleValueSourceCode": "Item 3(d)(7) Source of Vehicle Value - A response of \"98\" means that the source of Vehicle Value is the sales price of the Financed Vehicle.",
    "obligorCreditScoreType": "Item 3(e)(1) Obligor Credit Score Type - A response of \"Bureau\" for this item indicates a credit score type obtained from a national consumer reporting company.",
    "obligorCreditScore": "Item 3(e)(2) Obligor Credit Score - For Receivables with a co-obligor present (signified by a response of true for Co-Obligor Indicator, Item 3(e)(5)) and whose obligor and co-obligor had a credit score at origination, this item represents the higher of the credit scores. For Receivables with a co-obligor and whose obligor did not have a credit score at origination, this item represents the co-obligor's credit score. A blank value represents Receivables whose obligor (and, if present, co-obligor) did not have a credit score at origination.",
    "obligorIncomeVerificationLevelCode": "Item 3(e)(3) Obligor Income Verification Level - For Receivables with a co-obligor present (signified by a response of true for Co-Obligor Indicator, Item 3(e)(5)), this item represents the furthest extent to which income was verified for the obligor or co-obligor, as applicable.",
    "obligorEmploymentVerificationCode": "Item 3(e)(4) Obligor Employment Verification - For Receivables with a co-obligor present (signified by a response of true for Co-Obligor Indicator, Item 3(e)(5)), this item represents the furthest extent to which employment was verified for the obligor or co-obligor, as applicable.",
    "coObligorIndicator": "Item 3(e)(5) Co-Obligor Present Indicator - No response",
    "paymentToIncomePercentage": "Item 3(e)(6) Payment to Income Ratio - Calculated using verified income in accordance with Carvana's Verification Policy. Omitted for a Receivable where Carvana determined that the calculated payment-to-income ratio is unreliable.",
    "obligorGeographicLocation": "Item 3(e)(7) Geographic location of Obligor - The state of obligor's current address as maintained by Bridgecrest Credit Company, as Servicer. Overseas military addresses are noted by their two digit military code.",
    "assetAddedIndicator": "Item 3(f)(1) Asset Added Indicator - \"True\" for all Receivables in the report related to the month in which the closing date occurs. It will generally be marked \"false\" for all Receivables at all other times unless the Receivable was added after the close date.",
    "remainingTermToMaturityNumber": "Item 3(f)(2) Remaining Term to Maturity - The number of calendar months between the month of the Reporting Period End Date (Item 3(b)(2)) and the month of the Loan Maturity Date (Item 3(c)(5)). This item will be omitted for Receivables that have prepaid, matured, charged off, or are otherwise no longer outstanding.",
    "reportingPeriodModificationIndicator": "Item 3(f)(3) Modification Indicator Reporting Period - \"True\" if a modification was made during the reporting period to a material term of the Receivable, including a modification to its APR, principal balance, scheduled payment amount, or term, including payment extensions and monthly payment due date changes.",
    "servicingAdvanceMethodCode": "Item 3(f)(4) Servicing Advance Method - No response",
    "reportingPeriodBeginningLoanBalanceAmount": "Item 3(f)(5) Reporting Period Beginning Loan Balance - No response",
    "nextReportingPeriodPaymentAmountDue": "Item 3(f)(6) Next Reporting Period Payment Amount Due - Represents the total amount of interest and principal due in the next reporting period needed for the Receivable to be considered current as of the end of such period, including any amount of past due principal, interest, and fees (other than Supplemental Servicing Fees, which would not be considered Available Funds) outstanding at the end of the current reporting period. Amount will be \"0.00\" in the case of any Receivable that has been paid-ahead or granted an extension for any amount greater than or equal to the total amount of interest and principal that would otherwise be due to be paid in the next reporting period.",
    "reportingPeriodInterestRatePercentage": "Item 3(f)(7) Reporting Period Interest Rate - Reporting period interest rate is the APR on the Receivable at the beginning of the reporting period.",
    "nextInterestRatePercentage": "Item 3(f)(8) Next Interest Rate - Omitted if the Receivable was Charged-Off or prepaid during the reporting period.",
    "servicingFeePercentage": "Item 3(f)(9) Servicing Fee Percentage - No response",
    "servicingFlatFeeAmount": "Item 3(f)(10) Servicing Fee Flat-Fee - Omitted as inapplicable because the servicing fee is based on a fixed percentage of the loan balance.",
    "otherServicerFeeRetainedByServicer": "Item 3(f)(11) Other Loan Level Servicing Fee(s) Retained by Servicer - Omitted as is inapplicable because no other loan level servicing fees are retained by Servicer.",
    "otherAssessedUncollectedServicerFeeAmount": "Item 3(f)(12) Other Assessed But Uncollected Servicer Fees - No response",
    "scheduledInterestAmount": "Item 3(f)(13) Scheduled Interest Amount - Represents the calculated monthly interest amount due based on the Receivable's initial amortization schedule at time of origination. This assumes the obligor pays all amounts due on each due date and thus is not affected by actual payment activity of the obligor or by any other servicing activity.",
    "scheduledPrincipalAmount": "Item 3(f)(14) Scheduled Principal Amount - Represents the calculated monthly principal amount due based on the Receivable's initial amortization schedule at time of origination. This assumes the obligor pays all amounts due on each due date and thus is not affected by actual payment activity of the obligor or by any other servicing activity.",
    "otherPrincipalAdjustmentAmount": "Item 3(f)(15) Other Principal Adjustments - Represents the change in principal balance during the reporting period and can be calculated as Reporting Period Beginning Loan Balance (Item 3(f)(5)), minus Reporting Period Ending Actual Balance (Item 3(f)(16)), minus Actual Principal Collected (Item 3(f)(20)), minus Charged-off Principal Amount (Item 3(i)(1)). A negative number for this item indicates an increase to the principal balance of the Receivable during the reporting period, while a positive number indicates a decrease to the balance.",
    "reportingPeriodActualEndBalanceAmount": "Item 3(f)(16) Reporting Period Ending Actual Balance - No response",
    "reportingPeriodScheduledPaymentAmount": "Item 3(f)(17) Reporting Period Scheduled Payment Amount - No response",
    "totalActualAmountPaid": "Item 3(f)(18) Total Actual Amount Paid - Amounts received by the Servicer, as paid by the obligor or from any other source, during the reporting period, less any payment reversals (including returns of check payments for non-sufficient funds). This is calculated as the sum of Actual Interest Collected (Item 3(f)(19)), Actual Principal Collected (Item 3(f)(20)), and Actual Other Amounts Collected (3(f)(21)). If payment reversals posted during the reporting period exceed amounts paid during the period, this item is reported as a negative amount.",
    "actualInterestCollectedAmount": "Item 3(f)(19) Actual Interest Collected - Amounts received as interest by the Servicer during the reporting period, less any reversals of interest amounts (including, for example, amounts related to returns of check payments for non-sufficient funds). If reversals of interest amounts posted during the reporting period exceed amounts received as interest during the period, this item is reported as a negative amount.",
    "actualPrincipalCollectedAmount": "Item 3(f)(20) Actual Principal Collected - Amounts received as principal by the Servicer during the reporting period, less any reversals of principal amounts (including, for example, amounts related to returns of check payments for non-sufficient funds). If reversals of principal amounts posted during the reporting period exceed amounts received as principal during the period, this item is reported as a negative amount.",
    "actualOtherCollectedAmount": "Item 3(f)(21) Actual Other Amounts Collected - Amounts received by the Servicer during the period that are not interest or principal payments, less any reversals of such amounts (including, for example, returns of check payments for non-sufficient funds) and excluding Supplemental Servicing Fees, which would not be considered Available Funds.",
    "servicerAdvancedAmount": "Item 3(f)(22) Servicer Advanced Amount - No response",
    "interestPaidThroughDate": "Item 3(f)(23) Interest Paid Through Date - Represents the posting date of the obligor's last payment that reduced the principal balance of the Receivable. If no payments have reduced the principal balance of the Receivable from its Original Loan Amount (Item 3(c)(3)), this item will be omitted.",
    "zeroBalanceEffectiveDate": "Item 3(f)(24)(i) Zero Balance Effective Date - No response",
    "zeroBalanceCode": "Item 3(f)(24)(ii) Zero Balance Code - No response",
    "currentDelinquencyStatus": "Item 3(f)(25) Current Delinquency Status - Refers to the number of days account is delinquent as of the end of the reporting period. If Current delinquency status is reported as \"0\" the Receivable is not delinquent, is in repossession status, or was charged off or paid in full in the reporting period.",
    "primaryLoanServicerName": "Item 3(g)(1) Primary Loan Servicer - A response of \"BCC\" for this item indicates that Bridgecrest Credit Company services the Receivable.",
    "mostRecentServicingTransferReceivedDate": "Item 3(g)(2) Most Recent Servicing Transfer Received Date - No response",
    "assetSubjectDemandIndicator": "Item 3(h) Asset Subject to Demand - Omitted if no demands for repurchase are made with respect to the Receivable during the reporting period.",
    "assetSubjectDemandStatusCode": "Item 3(h)(1) Status of Asset Subject to Demand - No response",
    "repurchaseAmount": "Item 3(h)(2) Repurchase Amount - No response",
    "demandResolutionDate": "Item 3(h)(3) Demand Resolution Date - No response",
    "repurchaseReplacementReasonCode": "Item 3(h)(5) Repurchase or Replacement Reason - No response",
    "chargedoffPrincipalAmount": "Item 3(i)(1) Charged-off Principal Amount - A negative number represents a reinstatement of a previously-charged off Receivable.",
    "recoveredAmount": "Item 3(i)(2) Amounts Recovered - Omitted if no recoveries are made on a charged off Receivable during the reporting period.",
    "modificationTypeCode": "Item 3(j)(1) Modification Type - A response of \"98\" generally reflects administrative modifications, such as modifications to payment due dates.",
    "paymentExtendedNumber": "Item 3(j)(2) Payment Extension - No response",
    "repossessedIndicator": "Item 3(k) Repossessed - \"True\" for the reporting period in which a Financed Vehicle is repossessed and for all later reporting periods unless the Financed Vehicle is returned and the Receivable is reinstated. \"False\" if the vehicle had never been repossessed or the Financed Vehicle is returned and the Receivable was reinstated prior to the last day of the reporting period.",
    "repossessedProceedsAmount": "Item 3(k)(1) Repossession Proceeds - Reported to reflect the amount collected upon disposition of the repossessed vehicle, net of any expenses incurred by the servicer in connection with the repossession during the current reporting period. A negative number will be reported if expenses related to repossession of a vehicle are incurred during (i) the reporting period that the repossessed vehicle was disposed of and such expenses exceed the amount collected upon disposition of the repossessed vehicle or (ii) a subsequent reporting period."
   },
   "codebook_fields": 63
  },
  {
   "trust": "SANTANDER DRIVE AUTO RECEIVABLES LLC",
   "pool": "SANTANDER DRIVE AUTO RECEIVABLES LLC",
   "filed": "2026-08-17",
   "cik": "1383094",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1383094/000119312526352689/drive213ex102.xml",
   "records_seen": 25497,
   "loans_sampled": 1274,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "SC",
     1274
    ]
   ],
   "credit_score": {
    "p5": 485.9,
    "p25": 536.0,
    "median": 572.0,
    "p75": 604.0,
    "p95": 658.0,
    "min": 432.0
   },
   "term_months": {
    "p5": 60.0,
    "p25": 72.0,
    "median": 72.0,
    "p75": 72.0,
    "p95": 75.0,
    "min": 48.0
   },
   "payment_to_income_pct": {
    "p5": 5.7,
    "p25": 9.2,
    "median": 12.1,
    "p75": 15.3,
    "p95": 18.1,
    "min": 1.2
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 12.8,
    "p25": 16.5,
    "median": 18.7,
    "p75": 21.9,
    "p95": 25.4,
    "min": 6.5
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.0,
   "ltv_pct": {
    "p5": 84.8,
    "p25": 99.9,
    "median": 111.5,
    "p75": 122.1,
    "p95": 136.0,
    "min": 38.7
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     1008
    ],
    [
     "1",
     188
    ],
    [
     "3",
     78
    ]
   ],
   "used_vehicle_pct": 85.2,
   "by_fico_band": [
    {
     "band": "deep_subprime",
     "range": "300-500",
     "n": 92,
     "share_pct": 7.2,
     "apr_median": 19.9,
     "apr_p25": 17.9,
     "apr_p75": 23.3,
     "pti_median": 10.6,
     "term_median": 72.0,
     "ltv_median": 100.4,
     "used_pct": 83.7
    },
    {
     "band": "subprime",
     "range": "501-600",
     "n": 689,
     "share_pct": 54.1,
     "apr_median": 19.2,
     "apr_p25": 17.0,
     "apr_p75": 22.0,
     "pti_median": 12.0,
     "term_median": 72.0,
     "ltv_median": 111.8,
     "used_pct": 82.6
    },
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 248,
     "share_pct": 19.5,
     "apr_median": 17.5,
     "apr_p25": 15.1,
     "apr_p75": 19.4,
     "pti_median": 12.7,
     "term_median": 72.0,
     "ltv_median": 116.6,
     "used_pct": 87.1
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 49,
     "share_pct": 3.8,
     "apr_median": 16.6,
     "apr_p25": 14.5,
     "apr_p75": 18.0,
     "pti_median": 10.4,
     "term_median": 72.0,
     "ltv_median": 119.9,
     "used_pct": 77.6
    }
   ],
   "top_states": [
    [
     "TX",
     202
    ],
    [
     "FL",
     135
    ],
    [
     "CA",
     90
    ],
    [
     "PA",
     83
    ],
    [
     "GA",
     73
    ],
    [
     "OH",
     67
    ],
    [
     "NC",
     58
    ],
    [
     "NY",
     44
    ],
    [
     "IL",
     43
    ],
    [
     "MD",
     38
    ]
   ],
   "states_present": 48,
   "co_obligor_pct": 26.4,
   "vehicle_model_year": {
    "p5": 2014.0,
    "p25": 2016.0,
    "median": 2018.0,
    "p75": 2019.0,
    "p95": 2021.0,
    "min": 2009.0
   },
   "income_verification_codes": [
    [
     "2",
     965
    ],
    [
     "3",
     309
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     1188
    ],
    [
     "1",
     60
    ],
    [
     "3",
     26
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {
    "originalLoanTerm": "Item 3(c)(4) Original Loan Term - The number specified in this field represents the number of calendar months from and including the Origination Date (Item 3(c)(2)) to and including the original maturity date for the related receivable. For purposes of this field a partial calendar month (even a single day) is counted as one month. For example, the original loan term for a receivable that is originated on January 31 with a term of 60 months and an initial payment due on March 1 will be reported as 62. The \"original loan term\" specified in this field may differ from the original term as disclosed in the Prospectus, which calculates the term as the number of contractually required monthly payments to be paid by the related obligor.",
    "loanMaturityDate": "Item 3(c)(5) Loan Maturity Date - The date specified in this field is the current final maturity date of the receivable after giving effect to payment and promotional extensions and due date changes that change the month in which the final payment on the receivable is scheduled to be made.",
    "originalInterestRatePercentage": "Item 3(c)(6) Original Interest Rate - The interest rate specified in this field is the interest rate specified on the related contract. The \"original interest rate\" specified in this field does not reflect any decreases in the original interest rate made at the discretion of the originator after review of the original interest rate and as reflected in a customer adjustment letter.",
    "originalInterestOnlyTermNumber": "Item 3(c)(9) Original Interest-Only Term - This item is omitted as inapplicable to the pool of receivables because no receivables originated by Santander Consumer USA Inc. (\"SC\") have an interest-only period.",
    "underwritingIndicator": "Item 3(c)(11) Underwriting Indicator - The \"underwriting indicator\" field will be marked \"False\" if the receivable was considered an exception to SC`s underwriting criteria, as described under \"The Receivables Pool - Exceptions to Underwriting Criteria\" in the Prospectus. In all other instances the \"underwriting indicator\" field will be marked \"True.\"",
    "gracePeriodNumber": "Item 3(c)(12) Grace Period - The number specified in this field represents the number of months from and including the Origination Date (Item 3(c)(2)) to but excluding the Original First Payment Date (Item 3(c)(10)). For purposes of this field, a partial calendar month (even a single day) is counted as one month. For example, a receivable that is originated on January 31 with an initial payment due on March 1 will be reported with a Grace Period of 2 months (January and February).",
    "subvented": "Item 3(c)(14) Subvented - \"Subvented\" receivables are those originated through SC`s \"Chrysler Capital\" channel under one or more incentive programs sponsored by FCA US LLC. The status of a receivable as \"subvented\" may change in future reporting periods due to, among other things, the failure of FCA US LLC to pay all or part of the related cash payment to SC in respect to the receivable. \"Subvented\" is reported as \"98\" (Other) with respect to a receivable originated through SC's \"Chrysler Capital\" channel under a FCA US LLC incentive program pursuant to which FCA US LLC provides SC with a cash payment in order for SC to waive the related obligor`s initial payment on the receivable for up to 90 days.",
    "vehicleTypeCode": "Item 3(d)(5) Vehicle Type - This item represents SC`s determination and may be considered a different vehicle type by the vehicle manufacturer and others.",
    "vehicleValueSourceCode": "Item 3(d)(7) Source of Vehicle Value - \"Source of vehicle value\" is reported as \"98\" (Other) when NADA (National Auto Dealers Association) guides are used as the source of the vehicle value. Also, with respect to receivables originated through pass-through arrangements in place with certain third parties, \"Source of vehicle value\" is reported as \"98\" (Other) when the sales price of the related vehicle is used as the source of the vehicle value.",
    "obligorCreditScoreType": "Item 3(e)(1) Obligor Credit Score Type - A response of \"Bureau\" for this item indicates a credit score type obtained from a national consumer reporting company.",
    "obligorCreditScore": "Item 3(e)(2) Obligor Credit Score - If there is more than one obligor on the receivable, only the primary obligor`s credit score will be reported in the \"obligor credit score\" field. If the primary obligor has no credit score, the \"obligor credit score\" field will be blank regardless of any co-obligor`s credit score.",
    "obligorIncomeVerificationLevelCode": "Item 3(e)(3) Obligor Income Verification Level - A response of \"3\" for this item means that SC verified obligor income, but SC is not able to confirm whether the verification level should be \"3\", \"4\" or \"5\" without a physical review of the receivable file and, in many circumstances, the receivable file may not document that information. As a result, all receivables for which SC verified obligor income will reflect a response of \"3\" for this item regardless of the level of income verification performed with respect to that receivable.",
    "paymentToIncomePercentage": "Item 3(e)(6) Payment to Income Ratio - The \"payment-to-income ratio\" field is calculated as a ratio of the scheduled monthly payment on the receivable at origination, as indicated on the related retail installment contract, to the monthly income reported by the obligor on the credit application.",
    "obligorGeographicLocation": "Item 3(e)(7) Geographic location of Obligor - The information contained in the \"geographic location of obligor\" field is populated based on the last known state of residence of the obligor on the receivable. For an obligor that is a member of the United States Armed Forces and is not located in a state or territory of the United States of America \"geographic location of obligor\" is reported as \"AA,\" \"AE\" and \"AP.\" The \"geographic location of obligor\" specified in this field may differ from the geographic location of such obligor used to populate the table set forth in the Prospectus under \"Pool Stratifications - Geographic Distribution of the Pool of Receivables by State of Residence as of the Cut-Off Date\" as such table reflects the state of residence of the obligor on the receivable at origination.",
    "assetAddedIndicator": "Item 3(f)(1) Asset Added Indicator - This field will be omitted unless the receivable was added to the pool after the closing date of the transaction.",
    "remainingTermToMaturityNumber": "Item 3(f)(2) Remaining Term to Maturity - The number specified in this field represents the number of calendar months between the month of the Reporting Period End Date (Item 3(b)(2)) and the month of the Loan Maturity Date (Item 3(c)(5)). The \"remaining term to maturity\" specified in this field may differ from the remaining term disclosed in the Prospectus, which is calculated as the number of scheduled monthly payments remaining for a receivable.",
    "reportingPeriodBeginningLoanBalanceAmount": "Item 3(f)(5) Reporting Period Beginning Loan Balance - The \"reporting period beginning loan balance\" will be reported as 0.00 if the receivable is charged-off but future recoveries are possible.",
    "nextReportingPeriodPaymentAmountDue": "Item 3(f)(6) Next Reporting Period Payment Amount Due - \"Next reporting period payment amount due\" is the total amount of interest and principal due in the next reporting period for the receivable to be considered current at the end of such period. This amount does not include any additional fees that may be owed on the receivable, such as late charges, non-sufficient funds fees or extension fees. If \"next reporting period payment amount due\" is reported as 0.00, no interest or principal is due in the next reporting period for the receivable to be considered current because the obligor either made a payment in advance or was granted a payment extension.",
    "reportingPeriodInterestRatePercentage": "Item 3(f)(7) Reporting Period Interest Rate - The \"reporting period interest rate\" reflects the interest rate that was effective on the receivable at the beginning of the reporting period.",
    "nextInterestRatePercentage": "Item 3(f)(8) Next Interest Rate - The \"next interest rate\" reflects the interest rate effective on the receivable at the beginning of the next reporting period.",
    "servicingFlatFeeAmount": "Item 3(f)(10) Servicing Fee Flat-Fee - The servicing fee - flat fee field will be omitted because it is inapplicable because the servicing fee for this transaction is based on a percentage of the pool balance.",
    "otherServicerFeeRetainedByServicer": "Item 3(f)(11) Other Loan Level Servicing Fee(s) Retained by Servicer - Supplemental servicing fees, which include all (i) late fees, (ii) extension fees, (iii) non-sufficient funds charges and (iv) any and all other administrative fees or other similar charges allowed by applicable law with respect to any receivables, do not constitute collections and are not included in the \"other loan-level servicing fee(s) retained by the servicer\" field. This item will be omitted as it is inapplicable to the pool of receivables.",
    "otherAssessedUncollectedServicerFeeAmount": "Item 3(f)(12) Other Assessed But Uncollected Servicer Fees - Supplemental servicing fees, which include all (i) late fees, (ii) extension fees, (iii) non-sufficient funds charges and (iv) any and all other administrative fees or other similar charges allowed by applicable law with respect to any receivables, are not payable to the issuing entity, but are included in the \"other assessed but uncollected servicer fees\" field. The fees included in this field represent the excess of cumulative fees charged on the receivables since origination (including late charges and fees on active accounts) over fees paid, fees waived and fees charged off.",
    "scheduledInterestAmount": "Item 3(f)(13) Scheduled Interest Amount - The \"scheduled interest amount\" field represents the Reporting Period Scheduled Payment Amount (Item 3(f)(17)) less Scheduled Principal Amount (Item 3(f)(14)).",
    "scheduledPrincipalAmount": "Item 3(f)(14) Scheduled Principal Amount - The \"scheduled principal amount\" field represents the pro forma monthly principal amount due based on an initial pro forma amortization schedule assuming the original loan characteristics, a 30/360 interest accrual, and assumes payments equal to the contractual payment amount are made on the first payment due date and on the same day of the month thereafter. This schedule is not affected by actual obligor payment activity, the actual number of days before the first payment, the actual simple interest accrual, or by any servicing activity. In some circumstances, the \"scheduled principal amount\" may be reported as zero either because (i) the Reporting Period Scheduled Payment Amount (Item 3(f)(17)) is zero or (ii) the Reporting Period Scheduled Payment Amount (Item 3(f)(17)) is comprised of an interest payment only.",
    "otherPrincipalAdjustmentAmount": "Item 3(f)(15) Other Principal Adjustments - A negative number in the other principal adjustments field reflects an increase to the principal balance of the receivable during the reporting period, due to the reversal, adjustments or correction of a payment applied on the receivable in a previous reporting period. A 0.00 in the other principal adjustment field indicates that no increase or decrease to the principal balance of the receivable was made in the reporting period other than that which is reflected in Item 3(f)(20) (Actual Principal Collected).",
    "reportingPeriodScheduledPaymentAmount": "Item 3(f)(17) Reporting Period Scheduled Payment Amount - The \"reporting period scheduled payment amount\" represents the contractual payment amount. The \"reporting period scheduled payment amount\" will be reported as zero for a receivable in any period prior to the period in which the first payment date for such receivable occurs.",
    "totalActualAmountPaid": "Item 3(f)(18) Total Actual Amount Paid - The \"total actual amount paid\" field represents amounts paid by the obligor or from any other source to the servicer during the reporting period, less any payment reversals (including returns of check payments for non-sufficient funds). If payment reversals posted during the reporting period exceed amounts paid during the period, this item is reported as zero. The \"total actual amount paid\" for a receivable may not equal the sum of (i) Item 3(f)(19) (Actual Interest Collected), (ii) Item 3(f)(2) (Actual Principal Collected) and (iii) Item 3(f)(21) (Actual Other Amounts Collected) due to payment reversals posted during the reporting period that exceed collections during the reporting period.",
    "actualInterestCollectedAmount": "Item 3(f)(19) Actual Interest Collected - The \"actual interest collected\" field represents amounts received as interest by the servicer during the reporting period, less any reversals of interest amounts. If reversals of interest amounts posted during the reporting period exceed amounts paid as interest during the period, this item is reported as zero (and will not be reported as a negative number even if the amount is less than zero). Therefore, the \"interest collected on receivables\" disclosed on the monthly servicer certificate may not reconcile with this \"actual interest collected\" field.",
    "actualPrincipalCollectedAmount": "Item 3(f)(20) Actual Principal Collected - The \"actual principal collected\" field represents amounts received as principal by the servicer during the reporting period, less any reversals of principal amounts. If reversals of principal amounts posted during the reporting period exceed amounts paid as principal during the period, this item is reported as zero. If a payment applied in a prior reporting period is reversed during the reporting period, a negative value will be reported in Item 3(f)(15) (Other Principal Adjustments) to the extent such reversal increases the outstanding principal balance of the receivable.",
    "actualOtherCollectedAmount": "Item 3(f)(21) Actual Other Amounts Collected - The \"actual other amounts collected\" field represents amounts received by the servicer during the reporting period that are not interest or principal payments, less any reversals of such amounts. If reversals of other amounts posted during the reporting period exceed such other amounts paid during the period, this item is reported as zero.",
    "servicerAdvancedAmount": "Item 3(f)(22) Servicer Advanced Amount - This field has been omitted because it is inapplicable.",
    "interestPaidThroughDate": "Item 3(f)(23) Interest Paid Through Date - The \"interest paid through date\" field reflects the date equal to the Reporting Period End Date (Item 3(b)(2)) minus the per diem number of days of interest equivalent to the total current interest amount owed by the related obligor. The \"interest paid through date\" field will be reported as blank if (i) a receivable is paid in full prior to the payment of the first regularly scheduled payment on such receivable, (ii) the first payment on a receivable has not been made or (iii) a receivable has an interest rate of 0.00%.",
    "zeroBalanceEffectiveDate": "Item 3(f)(24)(i) Zero Balance Effective Date - This item will be omitted for a receivable if such receivable is an active loan on the last day of the reporting period. Receivables that have been repurchased are no longer considered active loans as of the end of the reporting period. Receivables repurchased following a third-party demand to repurchase also will be reflected in Item 3(h)(Asset Subject to a Demand).",
    "zeroBalanceCode": "Item 3(f)(24)(ii) Zero Balance Code - This item will be omitted for a receivable if such receivable is an active loan on the last day of the reporting period. A \"3\" in the \"zero balance code\" field will be reported for any receivable that was repurchased during the reporting period. Receivables repurchased following a third-party demand to repurchase also will be reflected in Item 3(h)(Asset Subject to a Demand).",
    "currentDelinquencyStatus": "Item 3(f)(25) Current Delinquency Status - The servicer considers a receivable delinquent when an obligor fails to pay the required minimum portion of the scheduled payment by the due date as described under \"Delinquency Experience Regarding the Pool of Receivables\" in the Prospectus. The number in the \"current delinquency status\" field reflects the number of days past due for a delinquent receivable. The number in the \"current delinquency status\" field may increase by more than the number of days in a reporting period from one reporting period to the next reporting period due to the reversal or other adjustment of payment applied on the receivable in a previous reporting period. A zero in the current delinquency status field indicates a receivable is not a delinquent receivable.",
    "mostRecentServicingTransferReceivedDate": "Item 3(g)(2) Most Recent Servicing Transfer Received Date - On April 1, 2025 (the \"Servicing Transfer Date\"), SC, as the initial servicer of the receivables held by the Issuing Entity, implemented a reorganization of its servicing operations such that a majority of the motor vehicle receivable servicing performed by SC prior to April 1, 2025 (including as servicer of the receivables held by the Issuing Entity) will be performed by Santander Bank, N.A. (\"SBNA\") going forward. SBNA has assumed the obligations of the servicer under the Sale and Servicing Agreement and is the successor to SC as servicer under the Sale and Servicing Agreement.",
    "chargedoffPrincipalAmount": "Item 3(i)(1) Charged-off Principal Amount - This field will be omitted for a receivable in all reporting periods prior to the first reporting period in which a full or partial charge-off of principal of such receivable occurs.",
    "recoveredAmount": "Item 3(i)(2) Amounts Recovered - The \"amounts recovered\" field reflects all amounts received from or on behalf of an obligor constituting \"Liquidation Proceeds\" as defined in the Prospectus with respect to a receivable during the current reporting period. A negative value may be reported if Liquidation Proceeds from a prior reporting period are reversed, adjusted or corrected or if Repossession Proceeds (Item 3(k)(1)) is negative and if amounts received constituting \"Liquidation Proceeds\" during the current reporting period are less than the amount of any such reversal, adjustment, correction or repossession expense. This field will be omitted for a receivable in all reporting periods prior to the first reporting period in which a full or partial charge-off of principal of such receivable occurs.",
    "modificationTypeCode": "Item 3(j)(1) Modification Type - \"Modification type\" is reported as \"98\" (Other) with respect to a receivable that is modified due to (i) the bankruptcy of the related obligor, including in connection with a negotiated reaffirmation of the receivable, (ii) the total loss of the related vehicle and the application of insurance proceeds thereto and (iii) a modification otherwise required by law (other than a modification pursuant to the Servicemembers Civil Relief Act (SCRA) which would be reported as \"1\" (APR)). As described under \"Servicing by SC - Mature Modifications\" in the Prospectus, the servicer may extend the term of a receivable if the maturity date is approaching and the related obligor would have a balance remaining at maturity. To the extent any such modification is granted, it is reported as \"3\" (Term).",
    "repossessedIndicator": "Item 3(k) Repossessed - A \"True\" in the repossessed indicator field indicates that the related financed vehicle has been repossessed and has not been reinstated, as of the last day of the reporting period. The repossessed indicator field will be marked \"False\" if (i) the related financed vehicle has been repossessed but the account has been reinstated prior to the last day of the reporting period or (ii) the receivable will be repurchased on the next payment date and is no longer considered an active loan as of the last day of the reporting period.",
    "repossessedProceedsAmount": "Item 3(k)(1) Repossession Proceeds - The \"repossession proceeds\" amount field reflects the amount collected upon disposition of the repossessed vehicle, net of any expenses (including, without limitation, any repossession, auction, painting, repair or refurbishment expenses in respect of the related financed vehicle) incurred by the servicer in connection with the repossession or any attempted repossession and any payments required by law to be remitted to the related obligor. The amount reflected in the \"repossession proceeds\" field reflects the amount collected with respect to a receivable during the current reporting period rather than the aggregate amount of \"repossession proceeds\" collected with respect to a receivable during all reporting periods. A negative number in the \"repossession proceeds\" field will be reported if expenses related to repossession or the attempted repossessio"
   },
   "codebook_fields": 42
  },
  {
   "trust": "DRIVE AUTO RECEIVABLES TRUST",
   "pool": "Drive Auto Receivables Trust 2021-3",
   "filed": "2026-06-15",
   "cik": "1890433",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1890433/000119312526269773/drive213ex102.xml",
   "records_seen": 26248,
   "loans_sampled": 1312,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "SC",
     1312
    ]
   ],
   "credit_score": {
    "p5": 488.0,
    "p25": 538.0,
    "median": 573.0,
    "p75": 606.0,
    "p95": 652.8,
    "min": 424.0
   },
   "term_months": {
    "p5": 60.0,
    "p25": 72.0,
    "median": 72.0,
    "p75": 72.0,
    "p95": 75.0,
    "min": 48.0
   },
   "payment_to_income_pct": {
    "p5": 5.3,
    "p25": 9.0,
    "median": 12.2,
    "p75": 15.3,
    "p95": 18.1,
    "min": 1.0
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 13.2,
    "p25": 16.6,
    "median": 18.9,
    "p75": 21.8,
    "p95": 25.4,
    "min": 4.9
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.0,
   "ltv_pct": {
    "p5": 84.5,
    "p25": 102.2,
    "median": 113.3,
    "p75": 123.1,
    "p95": 137.3,
    "min": 27.7
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     1072
    ],
    [
     "1",
     163
    ],
    [
     "3",
     77
    ]
   ],
   "used_vehicle_pct": 87.6,
   "by_fico_band": [
    {
     "band": "deep_subprime",
     "range": "300-500",
     "n": 84,
     "share_pct": 6.4,
     "apr_median": 20.6,
     "apr_p25": 17.9,
     "apr_p75": 24.0,
     "pti_median": 11.0,
     "term_median": 72.0,
     "ltv_median": 105.0,
     "used_pct": 86.9
    },
    {
     "band": "subprime",
     "range": "501-600",
     "n": 733,
     "share_pct": 55.9,
     "apr_median": 19.4,
     "apr_p25": 16.8,
     "apr_p75": 22.0,
     "pti_median": 12.1,
     "term_median": 72.0,
     "ltv_median": 113.2,
     "used_pct": 85.9
    },
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 289,
     "share_pct": 22.0,
     "apr_median": 17.5,
     "apr_p25": 15.6,
     "apr_p75": 19.7,
     "pti_median": 12.6,
     "term_median": 72.0,
     "ltv_median": 119.0,
     "used_pct": 89.3
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 37,
     "share_pct": 2.8,
     "apr_median": 17.3,
     "apr_p25": 13.8,
     "apr_p75": 18.9,
     "pti_median": 11.1,
     "term_median": 72.0,
     "ltv_median": 119.6,
     "used_pct": 91.9
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 1,
     "share_pct": 0.1,
     "apr_median": 16.4,
     "apr_p25": 16.4,
     "apr_p75": 16.4,
     "pti_median": 13.6,
     "term_median": 72.0,
     "ltv_median": 127.3,
     "used_pct": 100.0
    }
   ],
   "top_states": [
    [
     "TX",
     228
    ],
    [
     "FL",
     140
    ],
    [
     "CA",
     88
    ],
    [
     "OH",
     87
    ],
    [
     "GA",
     82
    ],
    [
     "PA",
     70
    ],
    [
     "NC",
     49
    ],
    [
     "TN",
     38
    ],
    [
     "IL",
     37
    ],
    [
     "LA",
     36
    ]
   ],
   "states_present": 49,
   "co_obligor_pct": 26.4,
   "vehicle_model_year": {
    "p5": 2013.5,
    "p25": 2016.0,
    "median": 2018.0,
    "p75": 2019.0,
    "p95": 2021.0,
    "min": 2009.0
   },
   "income_verification_codes": [
    [
     "2",
     1024
    ],
    [
     "3",
     288
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     1221
    ],
    [
     "1",
     72
    ],
    [
     "3",
     19
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {
    "originalLoanTerm": "Item 3(c)(4) Original Loan Term - The number specified in this field represents the number of calendar months from and including the Origination Date (Item 3(c)(2)) to and including the original maturity date for the related receivable. For purposes of this field a partial calendar month (even a single day) is counted as one month. For example, the original loan term for a receivable that is originated on January 31 with a term of 60 months and an initial payment due on March 1 will be reported as 62. The \"original loan term\" specified in this field may differ from the original term as disclosed in the Prospectus, which calculates the term as the number of contractually required monthly payments to be paid by the related obligor.",
    "loanMaturityDate": "Item 3(c)(5) Loan Maturity Date - The date specified in this field is the current final maturity date of the receivable after giving effect to payment and promotional extensions and due date changes that change the month in which the final payment on the receivable is scheduled to be made.",
    "originalInterestRatePercentage": "Item 3(c)(6) Original Interest Rate - The interest rate specified in this field is the interest rate specified on the related contract. The \"original interest rate\" specified in this field does not reflect any decreases in the original interest rate made at the discretion of the originator after review of the original interest rate and as reflected in a customer adjustment letter.",
    "originalInterestOnlyTermNumber": "Item 3(c)(9) Original Interest-Only Term - This item is omitted as inapplicable to the pool of receivables because no receivables originated by Santander Consumer USA Inc. (\"SC\") have an interest-only period.",
    "underwritingIndicator": "Item 3(c)(11) Underwriting Indicator - The \"underwriting indicator\" field will be marked \"False\" if the receivable was considered an exception to SC`s underwriting criteria, as described under \"The Receivables Pool - Exceptions to Underwriting Criteria\" in the Prospectus. In all other instances the \"underwriting indicator\" field will be marked \"True.\"",
    "gracePeriodNumber": "Item 3(c)(12) Grace Period - The number specified in this field represents the number of months from and including the Origination Date (Item 3(c)(2)) to but excluding the Original First Payment Date (Item 3(c)(10)). For purposes of this field, a partial calendar month (even a single day) is counted as one month. For example, a receivable that is originated on January 31 with an initial payment due on March 1 will be reported with a Grace Period of 2 months (January and February).",
    "subvented": "Item 3(c)(14) Subvented - \"Subvented\" receivables are those originated through SC`s \"Chrysler Capital\" channel under one or more incentive programs sponsored by FCA US LLC. The status of a receivable as \"subvented\" may change in future reporting periods due to, among other things, the failure of FCA US LLC to pay all or part of the related cash payment to SC in respect to the receivable. \"Subvented\" is reported as \"98\" (Other) with respect to a receivable originated through SC's \"Chrysler Capital\" channel under a FCA US LLC incentive program pursuant to which FCA US LLC provides SC with a cash payment in order for SC to waive the related obligor`s initial payment on the receivable for up to 90 days.",
    "vehicleTypeCode": "Item 3(d)(5) Vehicle Type - This item represents SC`s determination and may be considered a different vehicle type by the vehicle manufacturer and others.",
    "vehicleValueSourceCode": "Item 3(d)(7) Source of Vehicle Value - \"Source of vehicle value\" is reported as \"98\" (Other) when NADA (National Auto Dealers Association) guides are used as the source of the vehicle value. Also, with respect to receivables originated through pass-through arrangements in place with certain third parties, \"Source of vehicle value\" is reported as \"98\" (Other) when the sales price of the related vehicle is used as the source of the vehicle value.",
    "obligorCreditScoreType": "Item 3(e)(1) Obligor Credit Score Type - A response of \"Bureau\" for this item indicates a credit score type obtained from a national consumer reporting company.",
    "obligorCreditScore": "Item 3(e)(2) Obligor Credit Score - If there is more than one obligor on the receivable, only the primary obligor`s credit score will be reported in the \"obligor credit score\" field. If the primary obligor has no credit score, the \"obligor credit score\" field will be blank regardless of any co-obligor`s credit score.",
    "obligorIncomeVerificationLevelCode": "Item 3(e)(3) Obligor Income Verification Level - A response of \"3\" for this item means that SC verified obligor income, but SC is not able to confirm whether the verification level should be \"3\", \"4\" or \"5\" without a physical review of the receivable file and, in many circumstances, the receivable file may not document that information. As a result, all receivables for which SC verified obligor income will reflect a response of \"3\" for this item regardless of the level of income verification performed with respect to that receivable.",
    "paymentToIncomePercentage": "Item 3(e)(6) Payment to Income Ratio - The \"payment-to-income ratio\" field is calculated as a ratio of the scheduled monthly payment on the receivable at origination, as indicated on the related retail installment contract, to the monthly income reported by the obligor on the credit application.",
    "obligorGeographicLocation": "Item 3(e)(7) Geographic location of Obligor - The information contained in the \"geographic location of obligor\" field is populated based on the last known state of residence of the obligor on the receivable. For an obligor that is a member of the United States Armed Forces and is not located in a state or territory of the United States of America \"geographic location of obligor\" is reported as \"AA,\" \"AE\" and \"AP.\" The \"geographic location of obligor\" specified in this field may differ from the geographic location of such obligor used to populate the table set forth in the Prospectus under \"Pool Stratifications - Geographic Distribution of the Pool of Receivables by State of Residence as of the Cut-Off Date\" as such table reflects the state of residence of the obligor on the receivable at origination.",
    "assetAddedIndicator": "Item 3(f)(1) Asset Added Indicator - This field will be omitted unless the receivable was added to the pool after the closing date of the transaction.",
    "remainingTermToMaturityNumber": "Item 3(f)(2) Remaining Term to Maturity - The number specified in this field represents the number of calendar months between the month of the Reporting Period End Date (Item 3(b)(2)) and the month of the Loan Maturity Date (Item 3(c)(5)). The \"remaining term to maturity\" specified in this field may differ from the remaining term disclosed in the Prospectus, which is calculated as the number of scheduled monthly payments remaining for a receivable.",
    "reportingPeriodBeginningLoanBalanceAmount": "Item 3(f)(5) Reporting Period Beginning Loan Balance - The \"reporting period beginning loan balance\" will be reported as 0.00 if the receivable is charged-off but future recoveries are possible.",
    "nextReportingPeriodPaymentAmountDue": "Item 3(f)(6) Next Reporting Period Payment Amount Due - \"Next reporting period payment amount due\" is the total amount of interest and principal due in the next reporting period for the receivable to be considered current at the end of such period. This amount does not include any additional fees that may be owed on the receivable, such as late charges, non-sufficient funds fees or extension fees. If \"next reporting period payment amount due\" is reported as 0.00, no interest or principal is due in the next reporting period for the receivable to be considered current because the obligor either made a payment in advance or was granted a payment extension.",
    "reportingPeriodInterestRatePercentage": "Item 3(f)(7) Reporting Period Interest Rate - The \"reporting period interest rate\" reflects the interest rate that was effective on the receivable at the beginning of the reporting period.",
    "nextInterestRatePercentage": "Item 3(f)(8) Next Interest Rate - The \"next interest rate\" reflects the interest rate effective on the receivable at the beginning of the next reporting period.",
    "servicingFlatFeeAmount": "Item 3(f)(10) Servicing Fee Flat-Fee - The servicing fee - flat fee field will be omitted because it is inapplicable because the servicing fee for this transaction is based on a percentage of the pool balance.",
    "otherServicerFeeRetainedByServicer": "Item 3(f)(11) Other Loan Level Servicing Fee(s) Retained by Servicer - Supplemental servicing fees, which include all (i) late fees, (ii) extension fees, (iii) non-sufficient funds charges and (iv) any and all other administrative fees or other similar charges allowed by applicable law with respect to any receivables, do not constitute collections and are not included in the \"other loan-level servicing fee(s) retained by the servicer\" field. This item will be omitted as it is inapplicable to the pool of receivables.",
    "otherAssessedUncollectedServicerFeeAmount": "Item 3(f)(12) Other Assessed But Uncollected Servicer Fees - Supplemental servicing fees, which include all (i) late fees, (ii) extension fees, (iii) non-sufficient funds charges and (iv) any and all other administrative fees or other similar charges allowed by applicable law with respect to any receivables, are not payable to the issuing entity, but are included in the \"other assessed but uncollected servicer fees\" field. The fees included in this field represent the excess of cumulative fees charged on the receivables since origination (including late charges and fees on active accounts) over fees paid, fees waived and fees charged off.",
    "scheduledInterestAmount": "Item 3(f)(13) Scheduled Interest Amount - The \"scheduled interest amount\" field represents the Reporting Period Scheduled Payment Amount (Item 3(f)(17)) less Scheduled Principal Amount (Item 3(f)(14)).",
    "scheduledPrincipalAmount": "Item 3(f)(14) Scheduled Principal Amount - The \"scheduled principal amount\" field represents the pro forma monthly principal amount due based on an initial pro forma amortization schedule assuming the original loan characteristics, a 30/360 interest accrual, and assumes payments equal to the contractual payment amount are made on the first payment due date and on the same day of the month thereafter. This schedule is not affected by actual obligor payment activity, the actual number of days before the first payment, the actual simple interest accrual, or by any servicing activity. In some circumstances, the \"scheduled principal amount\" may be reported as zero either because (i) the Reporting Period Scheduled Payment Amount (Item 3(f)(17)) is zero or (ii) the Reporting Period Scheduled Payment Amount (Item 3(f)(17)) is comprised of an interest payment only.",
    "otherPrincipalAdjustmentAmount": "Item 3(f)(15) Other Principal Adjustments - A negative number in the other principal adjustments field reflects an increase to the principal balance of the receivable during the reporting period, due to the reversal, adjustments or correction of a payment applied on the receivable in a previous reporting period. A 0.00 in the other principal adjustment field indicates that no increase or decrease to the principal balance of the receivable was made in the reporting period other than that which is reflected in Item 3(f)(20) (Actual Principal Collected).",
    "reportingPeriodScheduledPaymentAmount": "Item 3(f)(17) Reporting Period Scheduled Payment Amount - The \"reporting period scheduled payment amount\" represents the contractual payment amount. The \"reporting period scheduled payment amount\" will be reported as zero for a receivable in any period prior to the period in which the first payment date for such receivable occurs.",
    "totalActualAmountPaid": "Item 3(f)(18) Total Actual Amount Paid - The \"total actual amount paid\" field represents amounts paid by the obligor or from any other source to the servicer during the reporting period, less any payment reversals (including returns of check payments for non-sufficient funds). If payment reversals posted during the reporting period exceed amounts paid during the period, this item is reported as zero. The \"total actual amount paid\" for a receivable may not equal the sum of (i) Item 3(f)(19) (Actual Interest Collected), (ii) Item 3(f)(2) (Actual Principal Collected) and (iii) Item 3(f)(21) (Actual Other Amounts Collected) due to payment reversals posted during the reporting period that exceed collections during the reporting period.",
    "actualInterestCollectedAmount": "Item 3(f)(19) Actual Interest Collected - The \"actual interest collected\" field represents amounts received as interest by the servicer during the reporting period, less any reversals of interest amounts. If reversals of interest amounts posted during the reporting period exceed amounts paid as interest during the period, this item is reported as zero (and will not be reported as a negative number even if the amount is less than zero). Therefore, the \"interest collected on receivables\" disclosed on the monthly servicer certificate may not reconcile with this \"actual interest collected\" field.",
    "actualPrincipalCollectedAmount": "Item 3(f)(20) Actual Principal Collected - The \"actual principal collected\" field represents amounts received as principal by the servicer during the reporting period, less any reversals of principal amounts. If reversals of principal amounts posted during the reporting period exceed amounts paid as principal during the period, this item is reported as zero. If a payment applied in a prior reporting period is reversed during the reporting period, a negative value will be reported in Item 3(f)(15) (Other Principal Adjustments) to the extent such reversal increases the outstanding principal balance of the receivable.",
    "actualOtherCollectedAmount": "Item 3(f)(21) Actual Other Amounts Collected - The \"actual other amounts collected\" field represents amounts received by the servicer during the reporting period that are not interest or principal payments, less any reversals of such amounts. If reversals of other amounts posted during the reporting period exceed such other amounts paid during the period, this item is reported as zero.",
    "servicerAdvancedAmount": "Item 3(f)(22) Servicer Advanced Amount - This field has been omitted because it is inapplicable.",
    "interestPaidThroughDate": "Item 3(f)(23) Interest Paid Through Date - The \"interest paid through date\" field reflects the date equal to the Reporting Period End Date (Item 3(b)(2)) minus the per diem number of days of interest equivalent to the total current interest amount owed by the related obligor. The \"interest paid through date\" field will be reported as blank if (i) a receivable is paid in full prior to the payment of the first regularly scheduled payment on such receivable, (ii) the first payment on a receivable has not been made or (iii) a receivable has an interest rate of 0.00%.",
    "zeroBalanceEffectiveDate": "Item 3(f)(24)(i) Zero Balance Effective Date - This item will be omitted for a receivable if such receivable is an active loan on the last day of the reporting period. Receivables that have been repurchased are no longer considered active loans as of the end of the reporting period. Receivables repurchased following a third-party demand to repurchase also will be reflected in Item 3(h)(Asset Subject to a Demand).",
    "zeroBalanceCode": "Item 3(f)(24)(ii) Zero Balance Code - This item will be omitted for a receivable if such receivable is an active loan on the last day of the reporting period. A \"3\" in the \"zero balance code\" field will be reported for any receivable that was repurchased during the reporting period. Receivables repurchased following a third-party demand to repurchase also will be reflected in Item 3(h)(Asset Subject to a Demand).",
    "currentDelinquencyStatus": "Item 3(f)(25) Current Delinquency Status - The servicer considers a receivable delinquent when an obligor fails to pay the required minimum portion of the scheduled payment by the due date as described under \"Delinquency Experience Regarding the Pool of Receivables\" in the Prospectus. The number in the \"current delinquency status\" field reflects the number of days past due for a delinquent receivable. The number in the \"current delinquency status\" field may increase by more than the number of days in a reporting period from one reporting period to the next reporting period due to the reversal or other adjustment of payment applied on the receivable in a previous reporting period. A zero in the current delinquency status field indicates a receivable is not a delinquent receivable.",
    "mostRecentServicingTransferReceivedDate": "Item 3(g)(2) Most Recent Servicing Transfer Received Date - On April 1, 2025 (the \"Servicing Transfer Date\"), SC, as the initial servicer of the receivables held by the Issuing Entity, implemented a reorganization of its servicing operations such that a majority of the motor vehicle receivable servicing performed by SC prior to April 1, 2025 (including as servicer of the receivables held by the Issuing Entity) will be performed by Santander Bank, N.A. (\"SBNA\") going forward. SBNA has assumed the obligations of the servicer under the Sale and Servicing Agreement and is the successor to SC as servicer under the Sale and Servicing Agreement.",
    "chargedoffPrincipalAmount": "Item 3(i)(1) Charged-off Principal Amount - This field will be omitted for a receivable in all reporting periods prior to the first reporting period in which a full or partial charge-off of principal of such receivable occurs.",
    "recoveredAmount": "Item 3(i)(2) Amounts Recovered - The \"amounts recovered\" field reflects all amounts received from or on behalf of an obligor constituting \"Liquidation Proceeds\" as defined in the Prospectus with respect to a receivable during the current reporting period. A negative value may be reported if Liquidation Proceeds from a prior reporting period are reversed, adjusted or corrected or if Repossession Proceeds (Item 3(k)(1)) is negative and if amounts received constituting \"Liquidation Proceeds\" during the current reporting period are less than the amount of any such reversal, adjustment, correction or repossession expense. This field will be omitted for a receivable in all reporting periods prior to the first reporting period in which a full or partial charge-off of principal of such receivable occurs.",
    "modificationTypeCode": "Item 3(j)(1) Modification Type - \"Modification type\" is reported as \"98\" (Other) with respect to a receivable that is modified due to (i) the bankruptcy of the related obligor, including in connection with a negotiated reaffirmation of the receivable, (ii) the total loss of the related vehicle and the application of insurance proceeds thereto and (iii) a modification otherwise required by law (other than a modification pursuant to the Servicemembers Civil Relief Act (SCRA) which would be reported as \"1\" (APR)). As described under \"Servicing by SC - Mature Modifications\" in the Prospectus, the servicer may extend the term of a receivable if the maturity date is approaching and the related obligor would have a balance remaining at maturity. To the extent any such modification is granted, it is reported as \"3\" (Term).",
    "repossessedIndicator": "Item 3(k) Repossessed - A \"True\" in the repossessed indicator field indicates that the related financed vehicle has been repossessed and has not been reinstated, as of the last day of the reporting period. The repossessed indicator field will be marked \"False\" if (i) the related financed vehicle has been repossessed but the account has been reinstated prior to the last day of the reporting period or (ii) the receivable will be repurchased on the next payment date and is no longer considered an active loan as of the last day of the reporting period.",
    "repossessedProceedsAmount": "Item 3(k)(1) Repossession Proceeds - The \"repossession proceeds\" amount field reflects the amount collected upon disposition of the repossessed vehicle, net of any expenses (including, without limitation, any repossession, auction, painting, repair or refurbishment expenses in respect of the related financed vehicle) incurred by the servicer in connection with the repossession or any attempted repossession and any payments required by law to be remitted to the related obligor. The amount reflected in the \"repossession proceeds\" field reflects the amount collected with respect to a receivable during the current reporting period rather than the aggregate amount of \"repossession proceeds\" collected with respect to a receivable during all reporting periods. A negative number in the \"repossession proceeds\" field will be reported if expenses related to repossession or the attempted repossessio"
   },
   "codebook_fields": 42
  },
  {
   "trust": "SANTANDER DRIVE AUTO RECEIVABLES TRUST",
   "pool": "Santander Drive Auto Receivables Trust 2022-4",
   "filed": "2026-08-17",
   "cik": "1934902",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1934902/000119312526352769/sdart224ex102.xml",
   "records_seen": 31067,
   "loans_sampled": 1553,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "SC",
     1553
    ]
   ],
   "credit_score": {
    "p5": 501.0,
    "p25": 554.0,
    "median": 593.0,
    "p75": 629.0,
    "p95": 719.2,
    "min": 427.0
   },
   "term_months": {
    "p5": 60.0,
    "p25": 72.0,
    "median": 72.0,
    "p75": 72.0,
    "p95": 75.0,
    "min": 48.0
   },
   "payment_to_income_pct": {
    "p5": 3.9,
    "p25": 7.4,
    "median": 10.9,
    "p75": 14.4,
    "p95": 19.0,
    "min": 0.3
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 6.7,
    "p25": 11.0,
    "median": 15.1,
    "p75": 19.4,
    "p95": 24.0,
    "min": 0.0
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.2,
   "ltv_pct": {
    "p5": 67.8,
    "p25": 94.6,
    "median": 108.0,
    "p75": 120.0,
    "p95": 137.3,
    "min": 33.3
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     1163
    ],
    [
     "1",
     301
    ],
    [
     "3",
     89
    ]
   ],
   "used_vehicle_pct": 80.6,
   "by_fico_band": [
    {
     "band": "deep_subprime",
     "range": "300-500",
     "n": 70,
     "share_pct": 4.5,
     "apr_median": 14.7,
     "apr_p25": 11.1,
     "apr_p75": 18.5,
     "pti_median": 8.3,
     "term_median": 72.0,
     "ltv_median": 92.7,
     "used_pct": 82.9
    },
    {
     "band": "subprime",
     "range": "501-600",
     "n": 725,
     "share_pct": 46.7,
     "apr_median": 16.0,
     "apr_p25": 12.1,
     "apr_p75": 20.0,
     "pti_median": 11.0,
     "term_median": 72.0,
     "ltv_median": 106.4,
     "used_pct": 80.8
    },
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 431,
     "share_pct": 27.8,
     "apr_median": 13.9,
     "apr_p25": 9.5,
     "apr_p75": 17.5,
     "pti_median": 10.9,
     "term_median": 72.0,
     "ltv_median": 112.5,
     "used_pct": 78.4
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 167,
     "share_pct": 10.8,
     "apr_median": 12.1,
     "apr_p25": 8.7,
     "apr_p75": 16.9,
     "pti_median": 10.6,
     "term_median": 72.0,
     "ltv_median": 116.9,
     "used_pct": 81.4
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 25,
     "share_pct": 1.6,
     "apr_median": 6.7,
     "apr_p25": 5.7,
     "apr_p75": 8.7,
     "pti_median": 5.8,
     "term_median": 72.0,
     "ltv_median": 106.3,
     "used_pct": 60.0
    }
   ],
   "top_states": [
    [
     "TX",
     245
    ],
    [
     "FL",
     176
    ],
    [
     "CA",
     148
    ],
    [
     "PA",
     86
    ],
    [
     "OH",
     85
    ],
    [
     "MD",
     67
    ],
    [
     "NC",
     65
    ],
    [
     "NY",
     63
    ],
    [
     "GA",
     60
    ],
    [
     "NJ",
     37
    ]
   ],
   "states_present": 50,
   "co_obligor_pct": 28.7,
   "vehicle_model_year": {
    "p5": 2014.0,
    "p25": 2017.0,
    "median": 2019.0,
    "p75": 2020.0,
    "p95": 2022.0,
    "min": 2011.0
   },
   "income_verification_codes": [
    [
     "2",
     1463
    ],
    [
     "3",
     90
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     1460
    ],
    [
     "1",
     83
    ],
    [
     "3",
     10
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {
    "originalLoanTerm": "Item 3(c)(4) Original Loan Term - The number specified in this field represents the number of calendar months from and including the Origination Date (Item 3(c)(2)) to and including the original maturity date for the related receivable. For purposes of this field a partial calendar month (even a single day) is counted as one month. For example, the original loan term for a receivable that is originated on January 31 with a term of 60 months and an initial payment due on March 1 will be reported as 62. The \"original loan term\" specified in this field may differ from the original term as disclosed in the Prospectus, which calculates the term as the number of contractually required monthly payments to be paid by the related obligor.",
    "loanMaturityDate": "Item 3(c)(5) Loan Maturity Date - The date specified in this field is the current final maturity date of the receivable after giving effect to payment and promotional extensions and due date changes that change the month in which the final payment on the receivable is scheduled to be made.",
    "originalInterestRatePercentage": "Item 3(c)(6) Original Interest Rate - The interest rate specified in this field is the interest rate specified on the related contract. The \"original interest rate\" specified in this field does not reflect any decreases in the original interest rate made at the discretion of the originator after review of the original interest rate and as reflected in a customer adjustment letter.",
    "originalInterestOnlyTermNumber": "Item 3(c)(9) Original Interest-Only Term - This item is omitted as inapplicable to the pool of receivables because no receivables originated by Santander Consumer USA Inc. (\"SC\") have an interest-only period.",
    "underwritingIndicator": "Item 3(c)(11) Underwriting Indicator - The \"underwriting indicator\" field will be marked \"False\" if the receivable was considered an exception to SC`s underwriting criteria, as described under \"The Receivables Pool - Exceptions to Underwriting Criteria\" in the Prospectus. In all other instances the \"underwriting indicator\" field will be marked \"True.\"",
    "gracePeriodNumber": "Item 3(c)(12) Grace Period - The number specified in this field represents the number of months from and including the Origination Date (Item 3(c)(2)) to but excluding the Original First Payment Date (Item 3(c)(10)). For purposes of this field, a partial calendar month (even a single day) is counted as one month. For example, a receivable that is originated on January 31 with an initial payment due on March 1 will be reported with a Grace Period of 2 months (January and February).",
    "subvented": "Item 3(c)(14) Subvented - \"Subvented\" receivables are those originated through SC`s \"Chrysler Capital\" channel under one or more incentive programs sponsored by FCA US LLC. The status of a receivable as \"subvented\" may change in future reporting periods due to, among other things, the failure of FCA US LLC to pay all or part of the related cash payment to SC in respect to the receivable. \"Subvented\" is reported as \"98\" (Other) with respect to a receivable originated through SC`s \"Chrysler Capital\" channel under a FCA US LLC incentive program pursuant to which FCA US LLC provides SC with a cash payment in order for SC to waive the related obligor`s initial payment on the receivable for up to 90 days.",
    "vehicleTypeCode": "Item 3(d)(5) Vehicle Type - This item represents SC`s determination and may be considered a different vehicle type by the vehicle manufacturer and others.",
    "vehicleValueSourceCode": "Item 3(d)(7) Source of Vehicle Value - \"Source of vehicle value\" is reported as \"98\" (Other) when NADA (National Auto Dealers Association) guides are used as the source of the vehicle value. Also, with respect to receivables originated through pass-through arrangements in place with certain third parties, \"Source of vehicle value\" is reported as \"98\" (Other) when the sales price of the related vehicle is used as the source of the vehicle value.",
    "obligorCreditScoreType": "Item 3(e)(1) Obligor Credit Score Type - A response of \"Bureau\" for this item indicates a credit score type obtained from a national consumer reporting company.",
    "obligorCreditScore": "Item 3(e)(2) Obligor Credit Score - If there is more than one obligor on the receivable, only the primary obligor`s credit score will be reported in the \"obligor credit score\" field. If the primary obligor has no credit score, the \"obligor credit score\" field will be blank regardless of any co-obligor`s credit score.",
    "obligorIncomeVerificationLevelCode": "Item 3(e)(3) Obligor Income Verification Level - A response of \"3\" for this item means that SC verified obligor income, but SC is not able to confirm whether the verification level should be \"3\", \"4\" or \"5\" without a physical review of the receivable file and, in many circumstances, the receivable file may not document that information. As a result, all receivables for which SC verified obligor income will reflect a response of \"3\" for this item regardless of the level of income verification performed with respect to that receivable.",
    "paymentToIncomePercentage": "Item 3(e)(6) Payment to Income Ratio - The \"payment-to-income ratio\" field is calculated as a ratio of the scheduled monthly payment on the receivable at origination, as indicated on the related retail installment contract, to the monthly income reported by the obligor on the credit application.",
    "obligorGeographicLocation": "Item 3(e)(7) Geographic location of Obligor - The information contained in the \"geographic location of obligor\" field is populated based on the last known state of residence of the obligor on the receivable. For an obligor that is a member of the United States Armed Forces and is not located in a state or territory of the United States of America \"geographic location of obligor\" is reported as \"AA,\" \"AE\" and \"AP.\" The \"geographic location of obligor\" specified in this field may differ from the geographic location of such obligor used to populate the table set forth in the Prospectus under \"Pool Stratifications - Geographic Distribution of the Pool of Receivables by State of Residence as of the Cut-Off Date\" as such table reflects the state of residence of the obligor on the receivable at origination.",
    "assetAddedIndicator": "Item 3(f)(1) Asset Added Indicator - This field will be omitted unless the receivable was added to the pool after the closing date of the transaction.",
    "remainingTermToMaturityNumber": "Item 3(f)(2) Remaining Term to Maturity - The number specified in this field represents the number of calendar months between the month of the Reporting Period End Date (Item 3(b)(2)) and the month of the Loan Maturity Date (Item 3(c)(5)). The \"remaining term to maturity\" specified in this field may differ from the remaining term disclosed in the Prospectus, which is calculated as the number of scheduled monthly payments remaining for a receivable.",
    "reportingPeriodBeginningLoanBalanceAmount": "Item 3(f)(5) Reporting Period Beginning Loan Balance - The \"reporting period beginning loan balance\" will be reported as 0.00 if the receivable is charged-off but future recoveries are possible.",
    "nextReportingPeriodPaymentAmountDue": "Item 3(f)(6) Next Reporting Period Payment Amount Due - \"Next reporting period payment amount due\" is the total amount of interest and principal due in the next reporting period for the receivable to be considered current at the end of such period. This amount does not include any additional fees that may be owed on the receivable, such as late charges, non-sufficient funds fees or extension fees. If \"next reporting period payment amount due\" is reported as 0.00, no interest or principal is due in the next reporting period for the receivable to be considered current because the obligor either made a payment in advance or was granted a payment extension.",
    "reportingPeriodInterestRatePercentage": "Item 3(f)(7) Reporting Period Interest Rate - The \"reporting period interest rate\" reflects the interest rate that was effective on the receivable at the beginning of the reporting period.",
    "nextInterestRatePercentage": "Item 3(f)(8) Next Interest Rate - The \"next interest rate\" reflects the interest rate effective on the receivable at the beginning of the next reporting period.",
    "servicingFlatFeeAmount": "Item 3(f)(10) Servicing Fee Flat-Fee - The servicing fee - flat fee field will be omitted because it is inapplicable because the servicing fee for this transaction is based on a percentage of the pool balance.",
    "otherServicerFeeRetainedByServicer": "Item 3(f)(11) Other Loan Level Servicing Fee(s) Retained by Servicer - Supplemental servicing fees, which include all (i) late fees, (ii) extension fees, (iii) non-sufficient funds charges and (iv) any and all other administrative fees or other similar charges allowed by applicable law with respect to any receivables, do not constitute collections and are not included in the \"other loan-level servicing fee(s) retained by the servicer\" field. This item will be omitted as it is inapplicable to the pool of receivables.",
    "otherAssessedUncollectedServicerFeeAmount": "Item 3(f)(12) Other Assessed But Uncollected Servicer Fees - Supplemental servicing fees, which include all (i) late fees, (ii) extension fees, (iii) non-sufficient funds charges and (iv) any and all other administrative fees or other similar charges allowed by applicable law with respect to any receivables, are not payable to the issuing entity, but are included in the \"other assessed but uncollected servicer fees\" field. The fees included in this field represent the excess of cumulative fees charged on the receivables since origination (including late charges and fees on active accounts) over fees paid, fees waived and fees charged off.",
    "scheduledInterestAmount": "Item 3(f)(13) Scheduled Interest Amount - The \"scheduled interest amount\" field represents the Reporting Period Scheduled Payment Amount (Item 3(f)(17)) less Scheduled Principal Amount (Item 3(f)(14)).",
    "scheduledPrincipalAmount": "Item 3(f)(14) Scheduled Principal Amount - The \"scheduled principal amount\" field represents the pro forma monthly principal amount due based on an initial pro forma amortization schedule assuming the original loan characteristics, a 30/360 interest accrual, and assumes payments equal to the contractual payment amount are made on the first payment due date and on the same day of the month thereafter. This schedule is not affected by actual obligor payment activity, the actual number of days before the first payment, the actual simple interest accrual, or by any servicing activity. In some circumstances, the \"scheduled principal amount\" may be reported as zero either because (i) the Reporting Period Scheduled Payment Amount (Item 3(f)(17)) is zero or (ii) the Reporting Period Scheduled Payment Amount (Item 3(f)(17)) is comprised of an interest payment only.",
    "otherPrincipalAdjustmentAmount": "Item 3(f)(15) Other Principal Adjustments - A negative number in the other principal adjustments field reflects an increase to the principal balance of the receivable during the reporting period, due to the reversal, adjustments or correction of a payment applied on the receivable in a previous reporting period. A 0.00 in the other principal adjustment field indicates that no increase or decrease to the principal balance of the receivable was made in the reporting period other than that which is reflected in Item 3(f)(20) (Actual Principal Collected).",
    "reportingPeriodScheduledPaymentAmount": "Item 3(f)(17) Reporting Period Scheduled Payment Amount - The \"reporting period scheduled payment amount\" represents the contractual payment amount. The \"reporting period scheduled payment amount\" will be reported as zero for a receivable in any period prior to the period in which the first payment date for such receivable occurs.",
    "totalActualAmountPaid": "Item 3(f)(18) Total Actual Amount Paid - The \"total actual amount paid\" field represents amounts paid by the obligor or from any other source to the servicer during the reporting period, less any payment reversals (including returns of check payments for non-sufficient funds). If payment reversals posted during the reporting period exceed amounts paid during the period, this item is reported as zero. The \"total actual amount paid\" for a receivable may not equal the sum of (i) Item 3(f)(19) (Actual Interest Collected), (ii) Item 3(f)(2) (Actual Principal Collected) and (iii) Item 3(f)(21) (Actual Other Amounts Collected) due to payment reversals posted during the reporting period that exceed collections during the reporting period.",
    "actualInterestCollectedAmount": "Item 3(f)(19) Actual Interest Collected - The \"actual interest collected\" field represents amounts received as interest by the servicer during the reporting period, less any reversals of interest amounts. If reversals of interest amounts posted during the reporting period exceed amounts paid as interest during the period, this item is reported as zero (and will not be reported as a negative number even if the amount is less than zero). Therefore, the \"interest collected on receivables\" disclosed on the monthly servicer certificate may not reconcile with this \"actual interest collected\" field.",
    "actualPrincipalCollectedAmount": "Item 3(f)(20) Actual Principal Collected - The \"actual principal collected\" field represents amounts received as principal by the servicer during the reporting period, less any reversals of principal amounts. If reversals of principal amounts posted during the reporting period exceed amounts paid as principal during the period, this item is reported as zero. If a payment applied in a prior reporting period is reversed during the reporting period, a negative value will be reported in Item 3(f)(15) (Other Principal Adjustments) to the extent such reversal increases the outstanding principal balance of the receivable.",
    "actualOtherCollectedAmount": "Item 3(f)(21) Actual Other Amounts Collected - The \"actual other amounts collected\" field represents amounts received by the servicer during the reporting period that are not interest or principal payments, less any reversals of such amounts. If reversals of other amounts posted during the reporting period exceed such other amounts paid during the period, this item is reported as zero.",
    "servicerAdvancedAmount": "Item 3(f)(22) Servicer Advanced Amount - This field has been omitted because it is inapplicable.",
    "interestPaidThroughDate": "Item 3(f)(23) Interest Paid Through Date - The \"interest paid through date\" field reflects the date equal to the Reporting Period End Date (Item 3(b)(2)) minus the per diem number of days of interest equivalent to the total current interest amount owed by the related obligor. The \"interest paid through date\" field will be reported as blank if (i) a receivable is paid in full prior to the payment of the first regularly scheduled payment on such receivable, (ii) the first payment on a receivable has not been made or (iii) a receivable has an interest rate of 0.00%.",
    "zeroBalanceEffectiveDate": "Item 3(f)(24)(i) Zero Balance Effective Date - This item will be omitted for a receivable if such receivable is an active loan on the last day of the reporting period. Receivables that have been repurchased are no longer considered active loans as of the end of the reporting period. Receivables repurchased following a third-party demand to repurchase also will be reflected in Item 3(h)(Asset Subject to a Demand).",
    "zeroBalanceCode": "Item 3(f)(24)(ii) Zero Balance Code - This item will be omitted for a receivable if such receivable is an active loan on the last day of the reporting period. A \"3\" in the \"zero balance code\" field will be reported for any receivable that was repurchased during the reporting period. Receivables repurchased following a third-party demand to repurchase also will be reflected in Item 3(h)(Asset Subject to a Demand).",
    "currentDelinquencyStatus": "Item 3(f)(25) Current Delinquency Status - The servicer considers a receivable delinquent when an obligor fails to pay the required minimum portion of the scheduled payment by the due date as described under \"Delinquency Experience Regarding the Pool of Receivables\" in the Prospectus. The number in the \"current delinquency status\" field reflects the number of days past due for a delinquent receivable. The number in the \"current delinquency status\" field may increase by more than the number of days in a reporting period from one reporting period to the next reporting period due to the reversal or other adjustment of payment applied on the receivable in a previous reporting period. A zero in the current delinquency status field indicates a receivable is not a delinquent receivable.",
    "mostRecentServicingTransferReceivedDate": "Item 3(g)(2) Most Recent Servicing Transfer Received Date - On April 1, 2025 (the \"Servicing Transfer Date\"), SC, as the initial servicer of the receivables held by the Issuing Entity, implemented a reorganization of its servicing operations such that a majority of the motor vehicle receivable servicing performed by SC prior to April 1, 2025 (including as servicer of the receivables held by the Issuing Entity) will be performed by Santander Bank, N.A. (\"SBNA\") going forward. SBNA has assumed the obligations of the servicer under the Sale and Servicing Agreement and is the successor to SC as servicer under the Sale and Servicing Agreement.",
    "chargedoffPrincipalAmount": "Item 3(i)(1) Charged-off Principal Amount - This field will be omitted for a receivable in all reporting periods prior to the first reporting period in which a full or partial charge-off of principal of such receivable occurs.",
    "recoveredAmount": "Item 3(i)(2) Amounts Recovered - The \"amounts recovered\" field reflects all amounts received from or on behalf of an obligor constituting \"Liquidation Proceeds\" as defined in the Prospectus with respect to a receivable during the current reporting period. A negative value may be reported if Liquidation Proceeds from a prior reporting period are reversed, adjusted or corrected or if Repossession Proceeds (Item 3(k)(1)) is negative and if amounts received constituting \"Liquidation Proceeds\" during the current reporting period are less than the amount of any such reversal, adjustment, correction or repossession expense. This field will be omitted for a receivable in all reporting periods prior to the first reporting period in which a full or partial charge-off of principal of such receivable occurs.",
    "modificationTypeCode": "Item 3(j)(1) Modification Type - \"Modification type\" is reported as \"98\" (Other) with respect to a receivable that is modified due to (i) the bankruptcy of the related obligor, including in connection with a negotiated reaffirmation of the receivable, (ii) the total loss of the related vehicle and the application of insurance proceeds thereto and (iii) a modification otherwise required by law (other than a modification pursuant to the Servicemembers Civil Relief Act (SCRA) which would be reported as \"1\" (APR)). As described under \"Servicing by SC - Mature Modifications\" in the Prospectus, the servicer may extend the term of a receivable if the maturity date is approaching and the related obligor would have a balance remaining at maturity. To the extent any such modification is granted, it is reported as \"3\" (Term).",
    "repossessedIndicator": "Item 3(k) Repossessed - A \"True\" in the repossessed indicator field indicates that the related financed vehicle has been repossessed and has not been reinstated, as of the last day of the reporting period. The repossessed indicator field will be marked \"False\" if (i) the related financed vehicle has been repossessed but the account has been reinstated prior to the last day of the reporting period or (ii) the receivable will be repurchased on the next payment date and is no longer considered an active loan as of the last day of the reporting period.",
    "repossessedProceedsAmount": "Item 3(k)(1) Repossession Proceeds - The \"repossession proceeds\" amount field reflects the amount collected upon disposition of the repossessed vehicle, net of any expenses (including, without limitation, any repossession, auction, painting, repair or refurbishment expenses in respect of the related financed vehicle) incurred by the servicer in connection with the repossession or any attempted repossession and any payments required by law to be remitted to the related obligor. The amount reflected in the \"repossession proceeds\" field reflects the amount collected with respect to a receivable during the current reporting period rather than the aggregate amount of \"repossession proceeds\" collected with respect to a receivable during all reporting periods. A negative number in the \"repossession proceeds\" field will be reported if expenses related to repossession or the attempted repossessio"
   },
   "codebook_fields": 42
  },
  {
   "trust": "EXETER AUTOMOBILE RECEIVABLES TRUST",
   "pool": "Exeter Automobile Receivables Trust 2026-4",
   "filed": "2026-08-19",
   "cik": "2150254",
   "source_url": "https://www.sec.gov/Archives/edgar/data/2150254/000092963826003150/eart2026-4_exhibit102.xml",
   "records_seen": 42065,
   "loans_sampled": 2103,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "Exeter Finance",
     2103
    ]
   ],
   "credit_score": {
    "p5": 503.3,
    "p25": 556.0,
    "median": 587.0,
    "p75": 617.0,
    "p95": 648.7,
    "min": 400.0
   },
   "term_months": {
    "p5": 67.0,
    "p25": 73.0,
    "median": 76.0,
    "p75": 79.0,
    "p95": 80.0,
    "min": 37.0
   },
   "payment_to_income_pct": {
    "p5": 3.9,
    "p25": 6.8,
    "median": 9.6,
    "p75": 13.1,
    "p95": 18.7,
    "min": 0.1
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 12.6,
    "p25": 16.8,
    "median": 20.6,
    "p75": 24.4,
    "p95": 29.7,
    "min": 8.0
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.0,
   "ltv_pct": {
    "p5": 83.3,
    "p25": 103.7,
    "median": 116.4,
    "p75": 129.7,
    "p95": 148.5,
    "min": 33.0
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     1645
    ],
    [
     "1",
     258
    ],
    [
     "3",
     200
    ]
   ],
   "used_vehicle_pct": 87.9,
   "by_fico_band": [
    {
     "band": "deep_subprime",
     "range": "300-500",
     "n": 88,
     "share_pct": 4.2,
     "apr_median": 22.8,
     "apr_p25": 18.0,
     "apr_p75": 25.0,
     "pti_median": 7.7,
     "term_median": 74.0,
     "ltv_median": 108.7,
     "used_pct": 87.5
    },
    {
     "band": "subprime",
     "range": "501-600",
     "n": 1181,
     "share_pct": 56.2,
     "apr_median": 21.4,
     "apr_p25": 17.8,
     "apr_p75": 24.7,
     "pti_median": 9.6,
     "term_median": 76.0,
     "ltv_median": 113.8,
     "used_pct": 89.1
    },
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 726,
     "share_pct": 34.5,
     "apr_median": 19.3,
     "apr_p25": 15.2,
     "apr_p75": 23.4,
     "pti_median": 9.6,
     "term_median": 77.0,
     "ltv_median": 121.3,
     "used_pct": 85.1
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 71,
     "share_pct": 3.4,
     "apr_median": 19.8,
     "apr_p25": 15.6,
     "apr_p75": 23.9,
     "pti_median": 7.8,
     "term_median": 76.0,
     "ltv_median": 119.9,
     "used_pct": 91.5
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 1,
     "share_pct": 0.0,
     "apr_median": 23.8,
     "apr_p25": 23.8,
     "apr_p75": 23.8,
     "pti_median": 9.8,
     "term_median": 76.0,
     "ltv_median": 139.0,
     "used_pct": 100.0
    }
   ],
   "top_states": [
    [
     "TX",
     472
    ],
    [
     "CA",
     221
    ],
    [
     "FL",
     154
    ],
    [
     "NC",
     110
    ],
    [
     "GA",
     107
    ],
    [
     "IL",
     72
    ],
    [
     "SC",
     63
    ],
    [
     "MO",
     59
    ],
    [
     "OH",
     58
    ],
    [
     "AL",
     51
    ]
   ],
   "states_present": 50,
   "co_obligor_pct": 33.7,
   "vehicle_model_year": {
    "p5": 2014.0,
    "p25": 2018.0,
    "median": 2021.0,
    "p75": 2024.0,
    "p95": 2026.0,
    "min": 2008.0
   },
   "income_verification_codes": [
    [
     "2",
     1592
    ],
    [
     "3",
     510
    ],
    [
     "4",
     1
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     1592
    ],
    [
     "3",
     511
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {},
   "codebook_fields": 0
  },
  {
   "trust": "AMERICREDIT AUTOMOBILE RECEIVABLES TRUST",
   "pool": "AmeriCredit Automobile Receivables Trust 2022-1",
   "filed": "2026-07-24",
   "cik": "1910595",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1910595/000191059526000026/exh1024330062026.xml",
   "records_seen": 15219,
   "loans_sampled": 760,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "GM FINANCIAL",
     760
    ]
   ],
   "credit_score": {
    "p5": 504.8,
    "p25": 551.0,
    "median": 593.0,
    "p75": 625.0,
    "p95": 645.0,
    "min": 458.0
   },
   "term_months": {
    "p5": 61.0,
    "p25": 73.0,
    "median": 74.0,
    "p75": 76.0,
    "p95": 85.0,
    "min": 49.0
   },
   "payment_to_income_pct": {
    "p5": 3.7,
    "p25": 6.6,
    "median": 9.4,
    "p75": 12.2,
    "p95": 15.8,
    "min": 0.4
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 6.2,
    "p25": 9.0,
    "median": 11.5,
    "p75": 14.0,
    "p95": 18.0,
    "min": 2.9
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.0,
   "ltv_pct": {
    "p5": 68.8,
    "p25": 89.7,
    "median": 101.9,
    "p75": 114.1,
    "p95": 129.5,
    "min": 23.7
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     460
    ],
    [
     "1",
     227
    ],
    [
     "3",
     73
    ]
   ],
   "used_vehicle_pct": 71.1,
   "by_fico_band": [
    {
     "band": "deep_subprime",
     "range": "300-500",
     "n": 33,
     "share_pct": 4.3,
     "apr_median": 14.5,
     "apr_p25": 13.1,
     "apr_p75": 15.2,
     "pti_median": 9.4,
     "term_median": 73.0,
     "ltv_median": 102.3,
     "used_pct": 81.8
    },
    {
     "band": "subprime",
     "range": "501-600",
     "n": 386,
     "share_pct": 50.8,
     "apr_median": 12.5,
     "apr_p25": 10.8,
     "apr_p75": 14.9,
     "pti_median": 9.5,
     "term_median": 74.0,
     "ltv_median": 100.8,
     "used_pct": 72.3
    },
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 318,
     "share_pct": 41.8,
     "apr_median": 9.2,
     "apr_p25": 7.5,
     "apr_p75": 12.0,
     "pti_median": 9.0,
     "term_median": 74.0,
     "ltv_median": 103.1,
     "used_pct": 67.6
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 19,
     "share_pct": 2.5,
     "apr_median": 11.2,
     "apr_p25": 7.8,
     "apr_p75": 13.1,
     "pti_median": 11.1,
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   "trust": "WORLD OMNI SELECT AUTO TRUST",
   "pool": "World Omni Select Auto Trust 2023-A",
   "filed": "2026-07-29",
   "cik": "1966071",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1966071/000110465926087799/wosat2023aex102jun26.xml",
   "records_seen": 18058,
   "loans_sampled": 902,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "WORLD OMNI FINANCIAL CORP",
     902
    ]
   ],
   "credit_score": {
    "p5": 582.0,
    "p25": 621.0,
    "median": 645.0,
    "p75": 726.5,
    "p95": 821.1,
    "min": 502.0
   },
   "term_months": {
    "p5": 73.0,
    "p25": 74.0,
    "median": 76.0,
    "p75": 77.0,
    "p95": 80.0,
    "min": 38.0
   },
   "payment_to_income_pct": {
    "p5": 3.5,
    "p25": 7.0,
    "median": 10.5,
    "p75": 14.9,
    "p95": 20.2,
    "min": 0.0
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 4.5,
    "p25": 6.7,
    "median": 8.5,
    "p75": 11.9,
    "p95": 16.2,
    "min": 0.9
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.0,
   "ltv_pct": {
    "p5": 71.5,
    "p25": 99.4,
    "median": 112.6,
    "p75": 125.0,
    "p95": 142.0,
    "min": 17.6
   },
   "ltv_comparable": true,
   "vehicle_value_source_codes": [
    [
     "2",
     727
    ],
    [
     "98",
     175
    ]
   ],
   "used_vehicle_pct": 19.3,
   "by_fico_band": [
    {
     "band": "subprime",
     "range": "501-600",
     "n": 119,
     "share_pct": 13.2,
     "apr_median": 12.4,
     "apr_p25": 9.4,
     "apr_p75": 14.8,
     "pti_median": 13.3,
     "term_median": 76.0,
     "ltv_median": 109.0,
     "used_pct": 19.3
    },
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 397,
     "share_pct": 44.0,
     "apr_median": 10.6,
     "apr_p25": 7.6,
     "apr_p75": 13.0,
     "pti_median": 12.3,
     "term_median": 76.0,
     "ltv_median": 112.9,
     "used_pct": 16.6
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 276,
     "share_pct": 30.6,
     "apr_median": 7.2,
     "apr_p25": 6.0,
     "apr_p75": 8.5,
     "pti_median": 8.9,
     "term_median": 77.0,
     "ltv_median": 116.3,
     "used_pct": 22.8
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 107,
     "share_pct": 11.9,
     "apr_median": 6.7,
     "apr_p25": 5.3,
     "apr_p75": 7.4,
     "pti_median": 6.8,
     "term_median": 79.0,
     "ltv_median": 100.8,
     "used_pct": 18.7
    }
   ],
   "top_states": [
    [
     "FL",
     427
    ],
    [
     "GA",
     177
    ],
    [
     "AL",
     108
    ],
    [
     "NC",
     91
    ],
    [
     "SC",
     59
    ],
    [
     "TX",
     4
    ],
    [
     "IN",
     3
    ],
    [
     "NY",
     3
    ],
    [
     "MS",
     3
    ],
    [
     "KY",
     2
    ]
   ],
   "states_present": 28,
   "co_obligor_pct": 36.8,
   "vehicle_model_year": {
    "p5": 2017.0,
    "p25": 2021.0,
    "median": 2022.0,
    "p75": 2022.0,
    "p95": 2023.0,
    "min": 2010.0
   },
   "income_verification_codes": [
    [
     "2",
     897
    ],
    [
     "1",
     5
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     897
    ],
    [
     "3",
     5
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {},
   "codebook_fields": 0
  },
  {
   "trust": "CARMAX AUTO OWNER TRUST",
   "pool": "CarMax Auto Owner Trust 2022-3",
   "filed": "2026-08-17",
   "cik": "1934479",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1934479/000193447926000041/cart20223.xml",
   "records_seen": 70744,
   "loans_sampled": 3537,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "CBS",
     3537
    ]
   ],
   "credit_score": {
    "p5": 586.0,
    "p25": 649.0,
    "median": 709.0,
    "p75": 773.0,
    "p95": 844.0,
    "min": 508.0
   },
   "term_months": {
    "p5": 60.0,
    "p25": 61.0,
    "median": 66.0,
    "p75": 72.0,
    "p95": 73.0,
    "min": 25.0
   },
   "payment_to_income_pct": {
    "p5": 2.0,
    "p25": 4.3,
    "median": 7.0,
    "p75": 11.1,
    "p95": 19.9,
    "min": 0.1
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 2.9,
    "p25": 4.5,
    "median": 7.4,
    "p75": 10.4,
    "p95": 14.9,
    "min": 1.9
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.0,
   "ltv_pct": {
    "p5": 50.2,
    "p25": 80.6,
    "median": 96.6,
    "p75": 107.2,
    "p95": 120.4,
    "min": 9.8
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     3537
    ]
   ],
   "used_vehicle_pct": 99.9,
   "by_fico_band": [
    {
     "band": "subprime",
     "range": "501-600",
     "n": 288,
     "share_pct": 8.1,
     "apr_median": 12.4,
     "apr_p25": 10.4,
     "apr_p75": 14.4,
     "pti_median": 8.7,
     "term_median": 72.0,
     "ltv_median": 102.5,
     "used_pct": 100.0
    },
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 743,
     "share_pct": 21.0,
     "apr_median": 10.9,
     "apr_p25": 8.9,
     "apr_p75": 13.5,
     "pti_median": 9.2,
     "term_median": 72.0,
     "ltv_median": 103.0,
     "used_pct": 99.9
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 1665,
     "share_pct": 47.1,
     "apr_median": 7.4,
     "apr_p25": 5.5,
     "apr_p75": 9.4,
     "pti_median": 7.0,
     "term_median": 67.0,
     "ltv_median": 95.7,
     "used_pct": 100.0
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 796,
     "share_pct": 22.5,
     "apr_median": 4.0,
     "apr_p25": 3.2,
     "apr_p75": 5.0,
     "pti_median": 4.8,
     "term_median": 61.0,
     "ltv_median": 85.8,
     "used_pct": 99.9
    }
   ],
   "top_states": [
    [
     "CA",
     616
    ],
    [
     "TX",
     428
    ],
    [
     "FL",
     299
    ],
    [
     "GA",
     244
    ],
    [
     "NC",
     186
    ],
    [
     "VA",
     168
    ],
    [
     "IL",
     148
    ],
    [
     "MD",
     132
    ],
    [
     "TN",
     132
    ],
    [
     "NV",
     95
    ]
   ],
   "states_present": 52,
   "co_obligor_pct": 29.3,
   "vehicle_model_year": {
    "p5": 2012.0,
    "p25": 2015.0,
    "median": 2017.0,
    "p75": 2019.0,
    "p95": 2021.0,
    "min": 2006.0
   },
   "income_verification_codes": [
    [
     "2",
     3511
    ],
    [
     "3",
     26
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     3537
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {},
   "codebook_fields": 0
  },
  {
   "trust": "HYUNDAI AUTO RECEIVABLES TRUST",
   "pool": "Hyundai Auto Receivables Trust 2022-C",
   "filed": "2026-08-20",
   "cik": "1949662",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1949662/000110465926099075/hca-autoloanex102_081320261.xml",
   "records_seen": 73606,
   "loans_sampled": 3680,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "HCA",
     3680
    ]
   ],
   "credit_score": {
    "p5": 652.0,
    "p25": 723.0,
    "median": 765.0,
    "p75": 821.0,
    "p95": 864.0,
    "min": 601.0
   },
   "term_months": {
    "p5": 49.0,
    "p25": 61.0,
    "median": 73.0,
    "p75": 73.0,
    "p95": 74.0,
    "min": 25.0
   },
   "payment_to_income_pct": {
    "p5": 2.1,
    "p25": 4.3,
    "median": 6.5,
    "p75": 9.5,
    "p95": 14.3,
    "min": 0.0
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 0.0,
    "p25": 2.8,
    "median": 3.5,
    "p75": 4.9,
    "p95": 7.5,
    "min": 0.0
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 10.5,
   "ltv_pct": {
    "p5": 46.9,
    "p25": 75.4,
    "median": 92.8,
    "p75": 110.8,
    "p95": 135.9,
    "min": 19.3
   },
   "ltv_comparable": true,
   "vehicle_value_source_codes": [
    [
     "1",
     3462
    ],
    [
     "98",
     218
    ]
   ],
   "used_vehicle_pct": 5.9,
   "by_fico_band": [
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 232,
     "share_pct": 6.3,
     "apr_median": 7.8,
     "apr_p25": 6.9,
     "apr_p75": 8.9,
     "pti_median": 9.2,
     "term_median": 73.0,
     "ltv_median": 107.8,
     "used_pct": 14.2
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 1862,
     "share_pct": 50.6,
     "apr_median": 3.9,
     "apr_p25": 2.9,
     "apr_p75": 5.0,
     "pti_median": 7.3,
     "term_median": 73.0,
     "ltv_median": 93.6,
     "used_pct": 7.6
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 1586,
     "share_pct": 43.1,
     "apr_median": 2.9,
     "apr_p25": 2.2,
     "apr_p75": 3.9,
     "pti_median": 5.5,
     "term_median": 62.0,
     "ltv_median": 89.4,
     "used_pct": 2.8
    }
   ],
   "top_states": [
    [
     "CA",
     480
    ],
    [
     "TX",
     426
    ],
    [
     "IL",
     209
    ],
    [
     "FL",
     187
    ],
    [
     "OH",
     157
    ],
    [
     "PA",
     147
    ],
    [
     "NJ",
     146
    ],
    [
     "NY",
     146
    ],
    [
     "GA",
     142
    ],
    [
     "NC",
     137
    ]
   ],
   "states_present": 51,
   "co_obligor_pct": 30.6,
   "vehicle_model_year": {
    "p5": 2019.0,
    "p25": 2021.0,
    "median": 2022.0,
    "p75": 2022.0,
    "p95": 2022.0,
    "min": 2014.0
   },
   "income_verification_codes": [
    [
     "2",
     3552
    ],
    [
     "3",
     106
    ],
    [
     "1",
     22
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     3574
    ],
    [
     "3",
     106
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {},
   "codebook_fields": 0
  },
  {
   "trust": "MERCEDES-BENZ AUTO RECEIVABLES TRUST",
   "pool": "Mercedes-Benz Auto Receivables Trust 2022-1",
   "filed": "2026-08-21",
   "cik": "1951118",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1951118/000119312526360076/mbart221ex102_0818-1218.xml",
   "records_seen": 17554,
   "loans_sampled": 877,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "MBFS USA LLC",
     877
    ]
   ],
   "credit_score": {
    "p5": 658.0,
    "p25": 701.0,
    "median": 747.0,
    "p75": 798.0,
    "p95": 863.0,
    "min": 601.0
   },
   "term_months": {
    "p5": 61.0,
    "p25": 73.0,
    "median": 73.0,
    "p75": 74.0,
    "p95": 74.0,
    "min": 37.0
   },
   "payment_to_income_pct": {
    "p5": 2.0,
    "p25": 4.3,
    "median": 7.0,
    "p75": 10.7,
    "p95": 18.1,
    "min": 0.3
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 2.0,
    "p25": 3.0,
    "median": 4.0,
    "p75": 5.5,
    "p95": 7.3,
    "min": 0.0
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.1,
   "ltv_pct": {
    "p5": 60.0,
    "p25": 88.1,
    "median": 104.4,
    "p75": 117.5,
    "p95": 135.8,
    "min": 37.7
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     528
    ],
    [
     "2",
     349
    ]
   ],
   "used_vehicle_pct": 60.2,
   "by_fico_band": [
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 51,
     "share_pct": 5.8,
     "apr_median": 6.0,
     "apr_p25": 4.9,
     "apr_p75": 6.9,
     "pti_median": 8.9,
     "term_median": 73.0,
     "ltv_median": 106.6,
     "used_pct": 70.6
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 540,
     "share_pct": 61.6,
     "apr_median": 4.4,
     "apr_p25": 3.0,
     "apr_p75": 6.0,
     "pti_median": 7.4,
     "term_median": 73.0,
     "ltv_median": 107.3,
     "used_pct": 59.6
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 286,
     "share_pct": 32.6,
     "apr_median": 3.7,
     "apr_p25": 3.0,
     "apr_p75": 4.6,
     "pti_median": 5.7,
     "term_median": 73.0,
     "ltv_median": 97.3,
     "used_pct": 59.4
    }
   ],
   "top_states": [
    [
     "CA",
     212
    ],
    [
     "FL",
     126
    ],
    [
     "TX",
     87
    ],
    [
     "NY",
     86
    ],
    [
     "NJ",
     46
    ],
    [
     "GA",
     39
    ],
    [
     "MD",
     28
    ],
    [
     "PA",
     21
    ],
    [
     "VA",
     20
    ],
    [
     "NC",
     20
    ]
   ],
   "states_present": 44,
   "co_obligor_pct": 25.8,
   "vehicle_model_year": {
    "p5": 2017.0,
    "p25": 2018.0,
    "median": 2020.0,
    "p75": 2021.0,
    "p95": 2022.0,
    "min": 2015.0
   },
   "income_verification_codes": [
    [
     "2",
     877
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     877
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {
    "originalLoanTerm": "Item 3(c)(4) Original loan term - Original loan term is calculated as the number of months from the Origination date, item 3(c)(2), through the Original loan maturity date, inclusive of both dates. A partial calendar month (even a single day) is counted as one month. Original loan term may not equal the term of a receivable as described in the prospectus.",
    "loanMaturityDate": "Item 3(c)(5) Loan maturity date - C/O. Loan maturity date is the current maturity date of the receivable after giving effect to payment and promotional extensions and due date changes that change the month in which the final payment on the receivable is scheduled to be made.",
    "originalInterestOnlyTermNumber": "Item 3(c)(9) Original interest-only term - OMITTED.",
    "underwritingIndicator": "Item 3(c)(11) Underwriting indicator - Underwriting indicator will be reported as \"True\" for all automobile loans that were originated under the level of underwriting represented by the underwriting criteria as described in the prospectus.",
    "gracePeriodNumber": "Item 3(c)(12) Grace period - Grace period is the number of months from the Origination date, item 3(c) (2), to the Original first payment date, item 3(c)(10), regardless of date within the month, including the month of the Origination date and excluding the month of the Original first payment date. A partial calendar month (even a single day) is counted as one month. If Origination date and Original first payment are in the same month, then the Grace period is zero.",
    "vehicleManufacturerName": "Item 3(d)(1) Vehicle manufacturer - Vehicle manufacturer is the same as the vehicle's \"make\" as described in the prospectus.",
    "vehicleTypeCode": "Item 3(d)(5) Vehicle type - Vehicle type \"3\" (SUV) represents crossover and sport utility vehicles as described in the prospectus.",
    "vehicleValueSourceCode": "Item 3(d)(7) Source of vehicle value - If Source of vehicle value type \"98\" (Other) is reported it means the source is the Manheim Market Report.",
    "obligorIncomeVerificationLevelCode": "Item 3(e)(3) Obligor income verification level - Generally, income is not verified from independent sources. In some cases certain verification procedures may have been performed for particular applicant-provided information. The Obligor income verification level is reported as \"2\" (Stated, not verified) for such obligors and investors should assume that no income verification procedures have been performed.",
    "obligorEmploymentVerificationCode": "Item 3(e)(4) Obligor employment verification - Generally, employment is not verified from independent sources. In some cases certain verification procedures may have been performed for particular applicant-provided information. The Obligor employment verification is reported as \"2\" (Stated, not verified) for such obligors and investors should assume that no employment verification procedures have been performed.",
    "paymentToIncomePercentage": "Item 3(e)(6) Payment-to-income ratio - Payment-to-income ratio is calculated as the scheduled monthly payment as a percentage of the total monthly income of the obligor and any other co-obligor reported at the time of origination. If the obligor is a business, this data item will be calculated using the income of the guarantor. Payment-to-income ratio is 0.00 for a limited number of obligors where the obligor stated no income or negligible income on the credit application.",
    "remainingTermToMaturityNumber": "Item 3(f)(2) Remaining term to maturity - C/O. Remaining term to maturity is the number of months from the Loan maturity date, item 3(c )(5), and the Reporting period ending date, item 3(b)(2), regardless of date within the month, including the Loan maturity date and excluding the reporting period ending date. A partial calendar month (even a single day) is counted as one month.",
    "reportingPeriodModificationIndicator": "Item 3(f)(3) Modification indicator - reporting period - Modification indicator - reporting period will be \"True\" if there was a due date change, an extension or a change in the Original interest rate, item 3(c)(6), in the current reporting period.",
    "servicingAdvanceMethodCode": "Item 3(f)(4) Servicing advance method - C/O.",
    "reportingPeriodBeginningLoanBalanceAmount": "Item 3(f)(5) Reporting period beginning loan balance - C/O.",
    "nextReportingPeriodPaymentAmountDue": "Item 3(f)(6) Next reporting period payment amount due - C/O. Next reporting period payment amount due is the total amount of interest and principal due in the next reporting period needed to bring the receivable current. This amount does not include fees that may be owed on the receivable, such as late charges, non-sufficient funds fees, or extension fees. If the Next reporting period payment amount due is reported as 0.00, no interest or principal is due in the next reporting period to bring the receivable current because the receivable is either paid ahead or was granted a payment extension.",
    "reportingPeriodInterestRatePercentage": "Item 3(f)(7) Reporting period interest rate - C/O. Reporting period interest rate is the same as the contract rate, as described in the prospectus, on the receivable at the beginning of the reporting period.",
    "nextInterestRatePercentage": "Item 3(f)(8) Next interest rate - C/O. Next interest rate is the same as the contract rate, as described in the prospectus, in effect at the end of the current reporting period.",
    "servicingFeePercentage": "Item 3(f)(9) Servicing fee - percentage - C/O.",
    "servicingFlatFeeAmount": "Item 3(f)(10) Servicing fee - flat fee - OMITTED.",
    "otherServicerFeeRetainedByServicer": "Item 3(f)(11) Other loan-level servicing fees(s) retained by servicer - OMITTED.",
    "otherAssessedUncollectedServicerFeeAmount": "Item 3(f)(12) Other Assessed but Uncollected Servicer Fees - Other assessed but uncollected servicer fees is the cumulative outstanding fee balance since the receivable's origination. Such fees include, but are not limited to, late charges and extension fees.",
    "scheduledInterestAmount": "Item 3(f)(13) Scheduled interest amount - C/O. Scheduled interest amount is the calculated monthly interest amount due based on the receivable's initial amortization schedule, which assumes that the obligor pays the exact amount due on the exact due date per the terms on the receivable contract. This scheduled item is calculated at origination and is not affected by actual payment activity or loan modifications.",
    "scheduledPrincipalAmount": "Item 3(f)(14) Scheduled principal amount - C/O. Scheduled principal amount is the calculated monthly principal amount due based on the receivable's initial amortization schedule, which assumes that the obligor pays the exact amount due on the exact due date per the terms on the receivable contract. This scheduled item is calculated at origination and is not affected by actual payment activity or loan modifications. Please note, if the receivable was originated with a partial or full payment waiver, the scheduled principal amount may display as a negative amount until the normal payment stream resumes.",
    "otherPrincipalAdjustmentAmount": "Item 3(f)(15) Other principal adjustments - C/O. Other principal adjustments represents amounts that increase or decrease the principal balance of the loan. Examples of these types of adjustments could include, but are not limited to, loan prepayments and payment reversals. For this securitization transaction, however, loan prepayments are included in the actual amounts collected data items, Items 3(f)(19) - 3(f)(21), and shortfalls in the actual payment are reported in Next reporting period payment amount due, Item 3(f)(6). If a payment reversal or correction caused the Actual Principal Collected, Item 3(f)(20), to be negative at the end of the reporting period, the negative amount has been reclassified and reported in this data item. This data item should be reviewed collectively with Actual principal collected, Item 3(f)(20), if comparing total principal collection activity as reporte",
    "reportingPeriodActualEndBalanceAmount": "Item 3(f)(16) Reporting period ending actual balance - C/O.",
    "reportingPeriodScheduledPaymentAmount": "Item 3(f)(17) Reporting period scheduled payment amount - C/O. Reporting period scheduled payment amount is the monthly payment amount due from the obligor per the obligor's retail installment contract. This scheduled item is calculated at origination and is not affected by actual payment activity or loan modifications. This item will equal the summation of Scheduled interest amount and Scheduled principal amount, items 3(f)(13) and 3(f)(14).",
    "totalActualAmountPaid": "Item 3(f)(18) Total actual amount paid - Total actual amount paid is the amount paid by the obligor during the reporting period. This item is the summation of Items 3(f)(19), Actual interest collected, Item 3(f)(20), Actual principal collected, and Item 3(f)(21), Actual other amounts collected.",
    "actualInterestCollectedAmount": "Item 3(f)(19) Actual interest collected - Actual interest collected is the amount paid by the obligor and, if applicable, the accrued interest portion of an account if there was an administrative/voluntary repurchase of an account during the reporting period. Please note that if, during the course of the reporting period, there were any payment reversals that resulted in a negative Actual interest collected for the reporting period, the negative Actual interest collected was floored at zero.",
    "actualPrincipalCollectedAmount": "Item 3(f)(20) Actual principal collected - Actual principal collected is the amount paid by the obligor and, if applicable, the remaining principal balance of an account if there was an administrative/voluntary repurchase of an account during the reporting period. Please note that if, during the course of the reporting period, there were any payment reversals or adjustments to principal that resulted in a negative Actual principal collected for the reporting period, the negative amount will be reported in Item 3(f)(15), Other principal adjustments. See Item 3(f)(15) for further discussion.",
    "actualOtherCollectedAmount": "Item 3(f)(21) Actual other amounts collected - Actual other amounts collected is the amount of other amounts collected from the obligor during the reporting period, including fees, even after a receivable has been charged off. Examples of fees that have been collected include, but are not limited to, late charges, extension fees and non-sufficient fund fees. Please note that if, during the course of the reporting period, there were any payment reversals that resulted in a negative Actual other amounts collected for the reporting period, the negative Actual other amounts collected was floored at zero.",
    "servicerAdvancedAmount": "Item 3(f)(22) Servicer advanced amount - C/O.",
    "interestPaidThroughDate": "Item 3(f)(23) Interest paid through date - Interest paid through date is the date on which the obligor's last payment was applied, and may not be the date on which interest is paid through if that payment was insufficient to pay all interest due on the receivable.",
    "zeroBalanceEffectiveDate": "Item 3(f)(24)(i) Zero balance effective date - STATUS.",
    "zeroBalanceCode": "Item 3(f)(24)(ii) Zero balance code - STATUS.",
    "currentDelinquencyStatus": "Item 3(f)(25) Current delinquency status - C/O. Current delinquency status is reported as the number of days elapsed from the date a payment is due under the related contract. A payment is considered to be delinquent when the obligor fails to remit at least 90% of a scheduled payment within one day after the related due date.",
    "mostRecentServicingTransferReceivedDate": "Item 3(g)(2) Most recent servicing transfer received date - OMITTED.",
    "assetSubjectDemandIndicator": "Item 3(h) Asset subject to demand - Asset subject to demand represents third party repurchase requests due to a breach of representations and warranties.",
    "assetSubjectDemandStatusCode": "Item 3(h)(1) Status of asset subject to demand - STATUS. Status of asset subject to demand will only be reported when Item 3(h), Asset subject to demand, has been reported \"True\".",
    "repurchaseAmount": "Item 3(h)(2) Repurchase amount - STATUS. Repurchase amount will only be reported when Item 3(h), Asset subject to demand, has been reported \"True\" and Item 3(h)(1), Status of asset subject to demand, has been reported \"1\" (Asset has been repurchased or replaced).",
    "demandResolutionDate": "Item 3(h)(3) Demand resolution date - STATUS. Demand resolution date will only be reported when Item 3(h), Asset subject to demand, has been reported \"True\" and Item 3(h)(1), Status of asset subject to demand, has been reported \"1\" (Asset has been repurchased or replaced). Otherwise, this data item will be omitted.",
    "repurchaserName": "Item 3(h)(4) Repurchaser - STATUS. Repurchaser will only be reported when Item 3(h), Asset subject to demand, has been reported \"True\" and Item 3(h)(1), Status of asset subject to demand, has been reported \"1\" (Asset has been repurchased or replaced). Otherwise, this data item will be omitted.",
    "repurchaseReplacementReasonCode": "Item 3(h)(5) Repurchase or replacement reason - STATUS. Repurchase or replacement reason will only be reported when Item 3(h), Asset subject to demand, has been reported \"True\" and Item 3(h)(1), Status of asset subject to demand, has been reported \"1\" (Asset has been repurchased or replaced). Otherwise, this data item will be omitted.",
    "chargedoffPrincipalAmount": "Item 3(i)(1) Charged-off principal amount - STATUS.",
    "modificationTypeCode": "Item 3(j)(1) Modification type - STATUS. Modification type includes modifications that impact the original terms of the receivable and exclude such changes as obligor contact information and billing address. If Modification type \"1\" (APR) is reported it means that the receivable was refinanced and the obligor's contract was rewritten, resulting in an administrative repurchase. If Modification type \"4\" (Extension) is reported it means that the obligor was granted a payment or promotional extension for which the number of payments on the receivable is unchanged but the term is extended. If Modification type \"98\" (Other) is reported it means that the obligor's monthly due date has been changed.",
    "paymentExtendedNumber": "Item 3(j)(2) Payment extension - STATUS. Payment extension represents the number of months the receivable was extended during the reporting period. This data item will only be reported if it is applicable in the current reporting period and Item 3(j)(1), Modification type, is \"4\".",
    "repossessedIndicator": "Item 3(k) Repossessed - Repossessed is reported as \"True\" for the reporting period in which a vehicle is repossessed and for all subsequent reporting periods.",
    "repossessedProceedsAmount": "Item 3(k)(1) Repossession proceeds - STATUS. Repossessed proceeds includes any collections received during the reporting period if the vehicle has been repossessed, including vehicle sale proceeds and any payments of principal and interest collected in the month of repossession."
   },
   "codebook_fields": 48
  },
  {
   "trust": "ALLY AUTO RECEIVABLES TRUST 2025- 1",
   "pool": "ALLY AUTO RECEIVABLES TRUST 2025- 1",
   "filed": "2026-08-20",
   "cik": "2087070",
   "source_url": "https://www.sec.gov/Archives/edgar/data/2087070/000208707026000043/ex102jul2026aart20251_1.xml",
   "records_seen": 58112,
   "loans_sampled": 2905,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "Ally Bank",
     2905
    ]
   ],
   "credit_score": {
    "p5": 658.8,
    "p25": 680.0,
    "median": 712.0,
    "p75": 769.0,
    "p95": 843.0,
    "min": 319.0
   },
   "term_months": {
    "p5": 50.0,
    "p25": 62.0,
    "median": 73.0,
    "p75": 76.0,
    "p95": 85.0,
    "min": 25.0
   },
   "payment_to_income_pct": {
    "p5": 0.0,
    "p25": 3.9,
    "median": 6.3,
    "p75": 9.5,
    "p95": 15.9,
    "min": 0.0
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 5.2,
    "p25": 7.2,
    "median": 9.0,
    "p75": 11.3,
    "p95": 16.3,
    "min": 0.0
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.4,
   "ltv_pct": {
    "p5": 52.3,
    "p25": 81.6,
    "median": 96.9,
    "p75": 108.5,
    "p95": 118.1,
    "min": 24.6
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     1735
    ],
    [
     "1",
     885
    ],
    [
     "3",
     285
    ]
   ],
   "used_vehicle_pct": 69.5,
   "by_fico_band": [
    {
     "band": "deep_subprime",
     "range": "300-500",
     "n": 28,
     "share_pct": 1.0,
     "apr_median": 6.9,
     "apr_p25": 5.9,
     "apr_p75": 8.0,
     "pti_median": 0.0,
     "term_median": 61.5,
     "ltv_median": 101.6,
     "used_pct": 50.0
    },
    {
     "band": "subprime",
     "range": "501-600",
     "n": 53,
     "share_pct": 1.8,
     "apr_median": 8.0,
     "apr_p25": 6.3,
     "apr_p75": 10.5,
     "pti_median": 0.0,
     "term_median": 62.0,
     "ltv_median": 101.2,
     "used_pct": 32.1
    },
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 87,
     "share_pct": 3.0,
     "apr_median": 9.7,
     "apr_p25": 8.6,
     "apr_p75": 10.6,
     "pti_median": 0.0,
     "term_median": 73.0,
     "ltv_median": 97.1,
     "used_pct": 55.2
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 2033,
     "share_pct": 70.0,
     "apr_median": 9.5,
     "apr_p25": 7.4,
     "apr_p75": 11.6,
     "pti_median": 6.9,
     "term_median": 74.0,
     "ltv_median": 99.7,
     "used_pct": 72.1
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 572,
     "share_pct": 19.7,
     "apr_median": 7.7,
     "apr_p25": 6.2,
     "apr_p75": 9.0,
     "pti_median": 4.8,
     "term_median": 73.0,
     "ltv_median": 87.5,
     "used_pct": 65.7
    }
   ],
   "top_states": [
    [
     "TX",
     335
    ],
    [
     "FL",
     265
    ],
    [
     "CA",
     200
    ],
    [
     "PA",
     152
    ],
    [
     "NJ",
     127
    ],
    [
     "NY",
     126
    ],
    [
     "NC",
     125
    ],
    [
     "OH",
     110
    ],
    [
     "IL",
     99
    ],
    [
     "MO",
     93
    ]
   ],
   "states_present": 50,
   "co_obligor_pct": 31.7,
   "vehicle_model_year": {
    "p5": 2015.0,
    "p25": 2018.0,
    "median": 2020.0,
    "p75": 2023.0,
    "p95": 2025.0,
    "min": 2002.0
   },
   "income_verification_codes": [
    [
     "2",
     2736
    ],
    [
     "1",
     155
    ],
    [
     "3",
     14
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     2746
    ],
    [
     "1",
     155
    ],
    [
     "3",
     4
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {},
   "codebook_fields": 0
  },
  {
   "trust": "CARMAX AUTO FUNDING LLC",
   "pool": "CARMAX AUTO FUNDING LLC",
   "filed": "2026-07-07",
   "cik": "1259380",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1259380/000125938026000025/cart20263b.xml",
   "records_seen": 58639,
   "loans_sampled": 2931,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "CBS",
     2931
    ]
   ],
   "credit_score": {
    "p5": 660.0,
    "p25": 705.8,
    "median": 759.0,
    "p75": 810.0,
    "p95": 860.0,
    "min": 650.0
   },
   "term_months": {
    "p5": 60.0,
    "p25": 61.0,
    "median": 67.0,
    "p75": 72.0,
    "p95": 75.0,
    "min": 24.0
   },
   "payment_to_income_pct": {
    "p5": 1.7,
    "p25": 3.4,
    "median": 5.5,
    "p75": 8.6,
    "p95": 16.6,
    "min": 0.0
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 2.9,
    "p25": 5.5,
    "median": 6.8,
    "p75": 9.2,
    "p95": 15.4,
    "min": 1.9
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.0,
   "ltv_pct": {
    "p5": 45.8,
    "p25": 74.5,
    "median": 92.2,
    "p75": 105.4,
    "p95": 120.3,
    "min": 11.1
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     2931
    ]
   ],
   "used_vehicle_pct": 100.0,
   "by_fico_band": [
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 148,
     "share_pct": 5.0,
     "apr_median": 10.9,
     "apr_p25": 8.9,
     "apr_p75": 14.9,
     "pti_median": 6.6,
     "term_median": 67.0,
     "ltv_median": 102.1,
     "used_pct": 100.0
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 1629,
     "share_pct": 55.6,
     "apr_median": 8.1,
     "apr_p25": 6.0,
     "apr_p75": 10.9,
     "pti_median": 6.2,
     "term_median": 67.0,
     "ltv_median": 94.8,
     "used_pct": 100.0
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 1150,
     "share_pct": 39.2,
     "apr_median": 5.5,
     "apr_p25": 5.2,
     "apr_p75": 6.5,
     "pti_median": 4.4,
     "term_median": 66.0,
     "ltv_median": 86.5,
     "used_pct": 100.0
    }
   ],
   "top_states": [
    [
     "CA",
     541
    ],
    [
     "TX",
     323
    ],
    [
     "FL",
     207
    ],
    [
     "VA",
     181
    ],
    [
     "GA",
     167
    ],
    [
     "TN",
     147
    ],
    [
     "IL",
     134
    ],
    [
     "NC",
     130
    ],
    [
     "MD",
     120
    ],
    [
     "SC",
     90
    ]
   ],
   "states_present": 46,
   "co_obligor_pct": 30.6,
   "vehicle_model_year": {
    "p5": 2015.0,
    "p25": 2018.0,
    "median": 2020.0,
    "p75": 2023.0,
    "p95": 2025.0,
    "min": 2010.0
   },
   "income_verification_codes": [
    [
     "2",
     2925
    ],
    [
     "3",
     6
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     2931
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {},
   "codebook_fields": 0
  },
  {
   "trust": "GM FINANCIAL CONSUMER AUTOMOBILE RECEIVABLES TRUST",
   "pool": "GM Financial Consumer Automobile Receivables Trust 2022-4",
   "filed": "2026-08-20",
   "cik": "1944019",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1944019/000194401926000027/exh1024430072026.xml",
   "records_seen": 14662,
   "loans_sampled": 733,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "GM FINANCIAL",
     733
    ]
   ],
   "credit_score": {
    "p5": 660.5,
    "p25": 727.0,
    "median": 778.5,
    "p75": 825.0,
    "p95": 860.0,
    "min": 567.0
   },
   "term_months": {
    "p5": 61.0,
    "p25": 73.0,
    "median": 74.0,
    "p75": 76.0,
    "p95": 86.0,
    "min": 49.0
   },
   "payment_to_income_pct": {
    "p5": 2.7,
    "p25": 5.1,
    "median": 7.5,
    "p75": 10.8,
    "p95": 14.9,
    "min": 0.3
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 0.0,
    "p25": 2.9,
    "median": 4.0,
    "p75": 5.5,
    "p95": 8.6,
    "min": 0.0
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 7.2,
   "ltv_pct": {
    "p5": 51.0,
    "p25": 80.4,
    "median": 96.5,
    "p75": 112.7,
    "p95": 132.3,
    "min": 21.7
   },
   "ltv_comparable": true,
   "vehicle_value_source_codes": [
    [
     "1",
     540
    ],
    [
     "98",
     160
    ],
    [
     "3",
     33
    ]
   ],
   "used_vehicle_pct": 27.1,
   "by_fico_band": [
    {
     "band": "subprime",
     "range": "501-600",
     "n": 2,
     "share_pct": 0.3,
     "apr_median": 9.2,
     "apr_p25": 8.3,
     "apr_p75": 10.2,
     "pti_median": 7.7,
     "term_median": 79.0,
     "ltv_median": 115.1,
     "used_pct": 100.0
    },
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 35,
     "share_pct": 4.8,
     "apr_median": 7.2,
     "apr_p25": 5.9,
     "apr_p75": 8.2,
     "pti_median": 7.2,
     "term_median": 74.0,
     "ltv_median": 103.6,
     "used_pct": 51.4
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 338,
     "share_pct": 46.1,
     "apr_median": 4.9,
     "apr_p25": 3.5,
     "apr_p75": 6.5,
     "pti_median": 8.1,
     "term_median": 74.0,
     "ltv_median": 102.1,
     "used_pct": 35.2
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 355,
     "share_pct": 48.4,
     "apr_median": 3.5,
     "apr_p25": 2.2,
     "apr_p75": 4.6,
     "pti_median": 7.1,
     "term_median": 74.0,
     "ltv_median": 90.8,
     "used_pct": 16.6
    }
   ],
   "top_states": [
    [
     "TX",
     102
    ],
    [
     "CA",
     68
    ],
    [
     "FL",
     49
    ],
    [
     "MI",
     48
    ],
    [
     "OH",
     44
    ],
    [
     "NY",
     42
    ],
    [
     "IL",
     36
    ],
    [
     "LA",
     26
    ],
    [
     "PA",
     26
    ],
    [
     "GA",
     24
    ]
   ],
   "states_present": 46,
   "co_obligor_pct": 31.5,
   "vehicle_model_year": {
    "p5": 2016.0,
    "p25": 2020.0,
    "median": 2021.0,
    "p75": 2022.0,
    "p95": 2022.0,
    "min": 2007.0
   },
   "income_verification_codes": [
    [
     "2",
     728
    ],
    [
     "3",
     5
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     730
    ],
    [
     "3",
     3
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {},
   "codebook_fields": 0
  },
  {
   "trust": "WORLD OMNI AUTO RECEIVABLES LLC",
   "pool": "WORLD OMNI AUTO RECEIVABLES LLC",
   "filed": "2026-07-29",
   "cik": "1083199",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1083199/000110465926087754/woart2023aex102jun26.xml",
   "records_seen": 19565,
   "loans_sampled": 978,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "WORLD OMNI FINANCIAL CORP",
     978
    ]
   ],
   "credit_score": {
    "p5": 664.3,
    "p25": 710.0,
    "median": 761.0,
    "p75": 813.0,
    "p95": 859.0,
    "min": 650.0
   },
   "term_months": {
    "p5": 38.0,
    "p25": 62.0,
    "median": 73.0,
    "p75": 76.0,
    "p95": 77.0,
    "min": 37.0
   },
   "payment_to_income_pct": {
    "p5": 2.3,
    "p25": 5.5,
    "median": 8.4,
    "p75": 12.4,
    "p95": 18.6,
    "min": 0.0
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 1.9,
    "p25": 3.9,
    "median": 4.9,
    "p75": 7.0,
    "p95": 10.1,
    "min": 0.0
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.1,
   "ltv_pct": {
    "p5": 51.0,
    "p25": 82.8,
    "median": 101.6,
    "p75": 118.8,
    "p95": 139.4,
    "min": 18.8
   },
   "ltv_comparable": true,
   "vehicle_value_source_codes": [
    [
     "2",
     939
    ],
    [
     "98",
     39
    ]
   ],
   "used_vehicle_pct": 3.6,
   "by_fico_band": [
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 35,
     "share_pct": 3.6,
     "apr_median": 9.1,
     "apr_p25": 7.5,
     "apr_p75": 10.7,
     "pti_median": 11.6,
     "term_median": 76.0,
     "ltv_median": 119.0,
     "used_pct": 5.7
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 538,
     "share_pct": 55.0,
     "apr_median": 5.9,
     "apr_p25": 4.5,
     "apr_p75": 7.6,
     "pti_median": 9.4,
     "term_median": 74.0,
     "ltv_median": 109.0,
     "used_pct": 4.1
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 394,
     "share_pct": 40.3,
     "apr_median": 4.5,
     "apr_p25": 2.9,
     "apr_p75": 5.0,
     "pti_median": 6.8,
     "term_median": 64.0,
     "ltv_median": 92.2,
     "used_pct": 1.8
    }
   ],
   "top_states": [
    [
     "FL",
     445
    ],
    [
     "GA",
     208
    ],
    [
     "NC",
     158
    ],
    [
     "AL",
     59
    ],
    [
     "SC",
     53
    ],
    [
     "VA",
     10
    ],
    [
     "TN",
     9
    ],
    [
     "MS",
     6
    ],
    [
     "TX",
     4
    ],
    [
     "OH",
     4
    ]
   ],
   "states_present": 27,
   "co_obligor_pct": 30.7,
   "vehicle_model_year": {
    "p5": 2021.0,
    "p25": 2022.0,
    "median": 2022.0,
    "p75": 2023.0,
    "p95": 2023.0,
    "min": 2013.0
   },
   "income_verification_codes": [
    [
     "2",
     973
    ],
    [
     "1",
     5
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     973
    ],
    [
     "3",
     5
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {},
   "codebook_fields": 0
  },
  {
   "trust": "TOYOTA AUTO FINANCE RECEIVABLES LLC",
   "pool": "TOYOTA AUTO FINANCE RECEIVABLES LLC",
   "filed": "2026-07-07",
   "cik": "1131131",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1131131/000119312526297053/taot26cex102_0623-1858sp.xml",
   "records_seen": 46601,
   "loans_sampled": 2330,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "TMCC",
     2330
    ]
   ],
   "credit_score": {
    "p5": 667.0,
    "p25": 726.0,
    "median": 775.0,
    "p75": 827.0,
    "p95": 873.0,
    "min": 621.0
   },
   "term_months": {
    "p5": 49.0,
    "p25": 61.0,
    "median": 73.0,
    "p75": 73.0,
    "p95": 74.0,
    "min": 25.0
   },
   "payment_to_income_pct": {
    "p5": 2.3,
    "p25": 4.7,
    "median": 7.5,
    "p75": 11.2,
    "p95": 17.8,
    "min": 0.2
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 2.0,
    "p25": 4.5,
    "median": 5.0,
    "p75": 6.0,
    "p95": 9.6,
    "min": 0.0
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 1.4,
   "ltv_pct": {
    "p5": 43.8,
    "p25": 77.6,
    "median": 99.9,
    "p75": 118.7,
    "p95": 144.5,
    "min": 12.4
   },
   "ltv_comparable": true,
   "vehicle_value_source_codes": [
    [
     "1",
     1961
    ],
    [
     "98",
     230
    ],
    [
     "3",
     139
    ]
   ],
   "used_vehicle_pct": 15.8,
   "by_fico_band": [
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 98,
     "share_pct": 4.2,
     "apr_median": 8.5,
     "apr_p25": 5.6,
     "apr_p75": 11.9,
     "pti_median": 11.6,
     "term_median": 73.0,
     "ltv_median": 120.2,
     "used_pct": 25.5
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 1109,
     "share_pct": 47.6,
     "apr_median": 5.5,
     "apr_p25": 4.9,
     "apr_p75": 6.0,
     "pti_median": 8.7,
     "term_median": 73.0,
     "ltv_median": 108.4,
     "used_pct": 18.9
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 1123,
     "share_pct": 48.2,
     "apr_median": 5.0,
     "apr_p25": 4.0,
     "apr_p75": 6.0,
     "pti_median": 6.3,
     "term_median": 62.0,
     "ltv_median": 89.7,
     "used_pct": 11.9
    }
   ],
   "top_states": [
    [
     "CA",
     593
    ],
    [
     "TX",
     331
    ],
    [
     "IL",
     103
    ],
    [
     "PA",
     92
    ],
    [
     "AZ",
     72
    ],
    [
     "NY",
     71
    ],
    [
     "VA",
     68
    ],
    [
     "MA",
     65
    ],
    [
     "NJ",
     63
    ],
    [
     "MD",
     61
    ]
   ],
   "states_present": 50,
   "co_obligor_pct": 29.1,
   "vehicle_model_year": {
    "p5": 2020.0,
    "p25": 2024.0,
    "median": 2025.0,
    "p75": 2025.0,
    "p95": 2026.0,
    "min": 2005.0
   },
   "income_verification_codes": [
    [
     "2",
     2201
    ],
    [
     "3",
     129
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     2305
    ],
    [
     "3",
     25
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {
    "originationDate": "Item 3(c)(2) Origination Date - Reported value is the calendar month and year in which the related contract was executed.",
    "originalLoanTerm": "Item 3(c)(4) Original Loan Term - Reported value is the number of calendar months from and including the calendar month of the Item 3(c)(2) - Origination Date, through and including the calendar month of the maturity date of the related Receivable at origination. A partial calendar month (even one day) is reported as one month for this purpose.",
    "loanMaturityDate": "Item 3(c)(5) Loan Maturity Date - Reported value is the calendar month and year of the current maturity date of the related Receivable, after giving effect to any extensions, due date changes and bankruptcy-related repayment plans.",
    "underwritingIndicator": "Item 3(c)(11) Underwriting Indicator - Reported value is \"true\" for any Receivable in respect of which the credit application for the related Receivable was automatically approved, as described in the Prospectus.",
    "gracePeriodNumber": "Item 3(c)(12) Grace Period - Reported value is the number of calendar months from and including the calendar month immediately following the Item 3(c)(2) Origination Date, through and including the calendar month of the Item 3(c)(10) - Original First Payment Date. A partial calendar month (even one day) is reported as one month for this purpose.",
    "vehicleManufacturerName": "Item 3(d)(1) Vehicle Manufacturer - Financed Vehicles manufactured under the Scion brand name are reported as \"TOYOTA\".",
    "vehicleNewUsedCode": "Item 3(d)(3) New or Used - Demonstration vehicles are reported with a value of \"1\" (New).",
    "vehicleTypeCode": "Item 3(d)(5) Vehicle Type - Financed Vehicles described as \"Minivans\" in the Prospectus are reported with a value of \"1\" (Car).",
    "vehicleValueSourceCode": "Item 3(d)(7) Source of Vehicle Value - For Financed Vehicles in respect of which the related vehicle value was determined by reference to a NADA Guide, a value of \"98\" (Other) is reported.",
    "obligorCreditScoreType": "Item 3(e)(1) Obligor Credit Score Type - Credit score types reported as \"FICO\" that were obtained (i) prior to May 3, 2016 are version \"FICO Auto Score 2\" and (ii) on or after May 3, 2016 are version \"FICO Auto Score 8\". FICO is a federally registered servicemark of Fair Isaac Corporation.",
    "obligorCreditScore": "Item 3(e)(2) Obligor Credit Score - Reported value is the highest credit score obtained by TMCC with respect to the Obligor and any co-obligor under the related Receivable.",
    "paymentToIncomePercentage": "Item 3(e)(6) Payment to Income Ratio - Reported ratio has been calculated consistent with the description of such ratio contained in the Prospectus. The ratio will be omitted (i) if the Receivable does not contain sufficient information to calculate the payment-to-income ratio or (ii) in certain cases, if the applicant is a business entity.",
    "remainingTermToMaturityNumber": "Item 3(f)(2) Remaining Term to Maturity - Reported value is the number of calendar months from and including the calendar month immediately following the Item 3(b)(2) - Reporting Period End Date, through and including the calendar month of the Item 3(c)(5) - Loan Maturity Date. A partial calendar month (even one day) is reported as one month for this purpose.",
    "nextReportingPeriodPaymentAmountDue": "Item 3(f)(6) Next Reporting Period Payment Amount Due - Reported amount is the total amount of interest and principal due to be paid in the next reporting period in respect of the related Receivable, including the amount of any past due principal and interest outstanding at the end of the current reporting period. Reported amount will be \"0.00\" in the case of any Receivable that has been paid-ahead by an amount greater than or equal to the total amount of interest and principal that would otherwise be due to be paid in the next reporting period.",
    "reportingPeriodInterestRatePercentage": "Item 3(f)(7) Reporting Period Interest Rate - Reported rate is the interest rate that was in effect for the related Receivable as of the end of the prior reporting period.",
    "nextInterestRatePercentage": "Item 3(f)(8) Next Interest Rate - Reported rate is the interest rate that was in effect for the related Receivable as of the end of the current reporting period.",
    "otherAssessedUncollectedServicerFeeAmount": "Item 3(f)(12) Other Assessed But Uncollected Servicer Fees - Reported amount represents the aggregate amount of late fees assessed since origination of the related Receivable that have not been paid or waived prior to the end of the current reporting period.",
    "scheduledInterestAmount": "Item 3(f)(13) Scheduled Interest Amount - Reported amount is the monthly interest payment due in respect of the related Receivable, calculated using an amortization schedule from the related origination date, a 30/360 day count methodology and assuming that full payment of monthly principal and interest due in respect of such Receivable is received on each due date.",
    "scheduledPrincipalAmount": "Item 3(f)(14) Scheduled Principal Amount - Reported amount is the monthly principal payment due in respect of the related Receivable, calculated using an amortization schedule from the related origination date, using a 30/360 day count methodology and assuming that full payment of monthly principal and interest due in respect of such Receivable is received on each due date.",
    "otherPrincipalAdjustmentAmount": "Item 3(f)(15) Other Principal Adjustments - Reported amount represents, for each Receivable, the amount, if any, by which (a) the aggregate amount of any negative adjustments to the Principal Balance of such Receivable in the current reporting period exceeds (b) the sum of (i) the aggregate amount of any positive adjustments to the Principal Balance of such Receivable in the current reporting period and (ii) any principal collections (including prepayments) in respect of such Receivable during the current reporting period. For the avoidance of doubt, (1) only net negative amounts will be reported for this Item, and (2) any non-net negative amounts will be reported as \"0.00\" for this Item and presented as positive amounts, if applicable, under Item 3(f)(20) - Actual Principal Collected. Negative adjustments to the Principal Balance of a Receivable include, for example, charges assessed ag",
    "reportingPeriodScheduledPaymentAmount": "Item 3(f)(17) Reporting Period Scheduled Payment Amount - Reported amount is the total payment amount (including principal and interest) due to be paid in respect of the related Receivable in the current reporting period, as calculated at origination of such Receivable.",
    "totalActualAmountPaid": "Item 3(f)(18) Total Actual Amount Paid - Reported amount is equal to the sum of Item 3(f)(19) - Actual Interest Collected, Item 3(f)(20) - Actual Principal Collected and Item 3(f)(21) - Actual Other Amounts Collected. Reported amount does not include amounts reported in Item 3(i)(2) - Amounts Recovered or Item 3(k)(1) - Repossession Proceeds.",
    "actualInterestCollectedAmount": "Item 3(f)(19) Actual Interest Collected - Reported amount will be \"0.00\" if the aggregate amount of interest collections in respect of such Receivable during the current reporting period, net of the aggregate amount of any adjustments made to interest collections in respect of such Receivable during the current reporting period, is less than zero.",
    "actualPrincipalCollectedAmount": "Item 3(f)(20) Actual Principal Collected - Reported amount represents, for each Receivable, the amount, if any, by which (a) the sum of (i) the aggregate amount of any positive adjustments to the Principal Balance of such Receivable in the current reporting period and (ii) any principal collections (including prepayments) in respect of such Receivable during the current reporting period exceeds (b) the aggregate amount of any negative adjustments to the Principal Balance of such Receivable in the current reporting period. For the avoidance of doubt, (1) only net positive amounts will be reported for this Item, and (2) any non-net positive amounts will be reported as \"0.00\" for this Item and presented as negative amounts, if applicable, under Item 3(f)(15) - Other Principal Adjustments.",
    "actualOtherCollectedAmount": "Item 3(f)(21) Actual Other Amounts Collected - Reported amount will be \"0.00\" if the aggregate amount of other collections in respect of such Receivable during the current reporting period, net of the aggregate amount of any adjustments made to other collections in respect of such Receivable during the current reporting period, is less than zero. Reported amounts generally consist of payments of late fees.",
    "interestPaidThroughDate": "Item 3(f)(23) Interest Paid Through Date - Reported date will be \"01/01/1900\" for any Receivable with a zero percent interest rate.",
    "currentDelinquencyStatus": "Item 3(f)(25) Current Delinquency Status - Reported values greater than \"0\" represent, for any Receivable in respect of which less than 90% of a regularly scheduled payment remains unpaid at the end of the current reporting period, the number of days from the due date of earliest of such unpaid scheduled payments to the end of the current reporting period. Reported value will be \"0\" for (i) any Receivable that was or became a Defaulted Receivable during the current reporting period and (ii) any Receivable that has been paid-ahead by an amount greater than or equal to the total amount of interest and principal that would otherwise be due to be paid in the current reporting period.",
    "chargedoffPrincipalAmount": "Item 3(i)(1) Charged-off Principal Amount - Reported amount greater than 0.00 represents the Principal Balance of a Defaulted Receivable immediately prior to such Receivable having become a Defaulted Receivable during the current reporting period.",
    "recoveredAmount": "Item 3(i)(2) Amounts Recovered - Represents recoveries received in respect of a Defaulted Receivable during the current reporting period, and includes amounts reported in Item 3(k)(1) - Repossession Proceeds.",
    "modificationTypeCode": "Item 3(j)(1) Modification Type - If the reported value is \"1\" (APR), then Item 3(f)(7) - Reporting Period Interest Rate and Item 3(f)(8) - Next Interest Rate will be updated to reflect the modification. If the reported value is \"2\" (Principal), then Item 3(f)(16) - Reporting Period Ending Actual Balance and Item 3(f)(15) - Other Principal Adjustments will be updated to reflect the modification. If the reported value is \"3\" (Term), then Item 3(c)(5) - Loan Maturity Date, Item 3(f)(2) - Remaining Term to Maturity and Item 3(f)(6) - Next Reporting Period Payment Amount Due will be updated to reflect the modification. If the reported value is \"4\" (Extension), then Item 3(c)(5) - Loan Maturity Date, Item 3(f)(2) - Remaining Term to Maturity and Item 3(f)(6) Next reporting Period Payment Amount Due will be updated to reflect the modification. If the reported value is \"98\" (Other), the due date",
    "repossessedIndicator": "Item 3(k) Repossessed - Reported value is \"true\" for any Receivable in respect of which the related Financed Vehicle is included in TMCC`s repossessed vehicle inventory as of the end of the current reporting period. Reported value will be updated to \"false\" for any Receivable subsequently reinstated to non-repossessed status.",
    "repossessedProceedsAmount": "Item 3(k)(1) Repossession Proceeds - Represents disposition proceeds received in respect of a repossessed Financed Vehicle during the current reporting period, and includes any proceeds from auction and refunds of optional product premiums."
   },
   "codebook_fields": 32
  },
  {
   "trust": "VOLKSWAGEN AUTO LOAN ENHANCED TRUST",
   "pool": "Volkswagen Auto Loan Enhanced Trust 2023-1",
   "filed": "2026-08-20",
   "cik": "1976946",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1976946/000110465926098959/tm2623520d5_ex102.xml",
   "records_seen": 50033,
   "loans_sampled": 2501,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "VW Credit",
     2501
    ]
   ],
   "credit_score": {
    "p5": 673.0,
    "p25": 726.0,
    "median": 773.0,
    "p75": 824.0,
    "p95": 870.0,
    "min": 601.0
   },
   "term_months": {
    "p5": 48.0,
    "p25": 60.0,
    "median": 72.0,
    "p75": 72.0,
    "p95": 72.0,
    "min": 12.0
   },
   "payment_to_income_pct": {
    "p5": 1.7,
    "p25": 4.3,
    "median": 7.3,
    "p75": 11.7,
    "p95": 20.6,
    "min": 0.1
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 2.0,
    "p25": 3.5,
    "median": 4.7,
    "p75": 5.9,
    "p95": 8.2,
    "min": 0.0
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.9,
   "ltv_pct": {
    "p5": 45.4,
    "p25": 71.4,
    "median": 92.5,
    "p75": 107.7,
    "p95": 127.9,
    "min": 20.6
   },
   "ltv_comparable": true,
   "vehicle_value_source_codes": [
    [
     "2",
     1603
    ],
    [
     "98",
     628
    ],
    [
     "3",
     270
    ]
   ],
   "used_vehicle_pct": 35.9,
   "by_fico_band": [
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 67,
     "share_pct": 2.7,
     "apr_median": 10.1,
     "apr_p25": 8.6,
     "apr_p75": 11.8,
     "pti_median": 12.2,
     "term_median": 72.0,
     "ltv_median": 111.9,
     "used_pct": 34.3
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 1269,
     "share_pct": 50.7,
     "apr_median": 5.0,
     "apr_p25": 4.0,
     "apr_p75": 6.1,
     "pti_median": 8.8,
     "term_median": 72.0,
     "ltv_median": 99.1,
     "used_pct": 38.2
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 1165,
     "share_pct": 46.6,
     "apr_median": 4.2,
     "apr_p25": 3.0,
     "apr_p75": 5.0,
     "pti_median": 5.9,
     "term_median": 60.0,
     "ltv_median": 82.9,
     "used_pct": 33.5
    }
   ],
   "top_states": [
    [
     "CA",
     414
    ],
    [
     "FL",
     271
    ],
    [
     "TX",
     270
    ],
    [
     "NJ",
     152
    ],
    [
     "NY",
     142
    ],
    [
     "IL",
     113
    ],
    [
     "PA",
     83
    ],
    [
     "GA",
     82
    ],
    [
     "AZ",
     70
    ],
    [
     "MA",
     66
    ]
   ],
   "states_present": 49,
   "co_obligor_pct": 25.8,
   "vehicle_model_year": {
    "p5": 2018.0,
    "p25": 2020.0,
    "median": 2022.0,
    "p75": 2022.0,
    "p95": 2023.0,
    "min": 2015.0
   },
   "income_verification_codes": [
    [
     "2",
     2389
    ],
    [
     "1",
     75
    ],
    [
     "3",
     37
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     2255
    ],
    [
     "1",
     209
    ],
    [
     "3",
     37
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {
    "originationDate": "Item 3(c)(2) Origination Date - \"Origination Date\" is the calendar month and year in which the related contract was executed.",
    "originalLoanAmount": "Item 3(c)(3) Original Loan Amount - \"Original Loan Amount\" is dollar value of the loan at the time of origination or the contract amount.",
    "originalLoanTerm": "Item 3(c)(4) Original Loan Term - \"Original Loan Term\" is the term of the loan in months at the time loan was orginated.",
    "loanMaturityDate": "Item 3(c)(5) Loan Maturity Date - \"Loan Maturity Date\" refers to the calendar month and year of the current maturity date of the related account, adjusted for any extensions and due date changes",
    "originalInterestRatePercentage": "Item 3(c)(6) Original Interest Rate - \"Original Interest Rate\" refers to the annual percentage rate on the contract.",
    "originalInterestOnlyTermNumber": "Item 3(c)(9) Original Interest-Only Term - The \"Original Interest-Only Term\" field is omitted as inapplicable for all Receivables because VW Credit, Inc. currently does not offer this option.",
    "underwritingIndicator": "Item 3(c)(11) Underwriting Indicator - \"Underwriting Indicator\" is \"true\" for any account for which the credit application was automatically approved without application of any special criteria. Indicator is false if not electronically approved.",
    "gracePeriodNumber": "Item 3(c)(12) Grace Period - \"Grace Period\" refers to number of calendar months between the Origination Date and Original First Payment Date {Item 3(c)(10)}, and is calculated by taking the calendar months from and including the calendar month immediately following the Origination Date through and including the calendar month of the Original First Payment Date. A partial calendar month, even one day, is reported as one month.",
    "subvented": "Item 3(c)(14) Subvented - \"Subvented Indicator\" refers to any special rate or consideration applied.",
    "vehicleManufacturerName": "Item 3(d)(1) Vehicle Manufacturer - \"Vehicle Manufacturer\" refers to the car maker which in this case is Volkswagen or Audi.",
    "vehicleTypeCode": "Item 3(d)(5) Vehicle Type - \"Vehicle Type\" refers to type of vehicle. It is stated using the codes provided by the SEC. SEC code value \"98\" is used for vehicle type \"Van\".",
    "vehicleValueAmount": "Item 3(d)(6) Vehicle Value - \"Vehicle Value\" refers to the value of the vehicle of the car at the time of origination. This value is based on source reported in {Item 3(d)(7)}.",
    "vehicleValueSourceCode": "Item 3(d)(7) Source of Vehicle Value - \"Source of Vehicle Value\" - For Financed Vehicles in respect of which the related vehicle value was determined by reference to a NADA Guide or Black Book, a value of \"98\" (Other) is reported.",
    "obligorCreditScoreType": "Item 3(e)(1) Obligor Credit Score Type - \"Obligor Credit Score Type\" refers to credit score source for the obligor and comes from FiSERV.",
    "obligorCreditScore": "Item 3(e)(2) Obligor Credit Score - \"Obligor Credit Score\" is the credit score and comes from FiSERV.",
    "obligorIncomeVerificationLevelCode": "Item 3(e)(3) Obligor Income Verification Level - \"Obligor Income Verification Level\" refers to the extent of verification performed on the obligor's occupation described in the codes provided by the SEC.",
    "obligorEmploymentVerificationCode": "Item 3(e)(4) Obligor Employment Verification - \"Obligor Employment Verification\" refers to the extent of verification performed on the obligor's employment described in the codes provided by the SEC.",
    "paymentToIncomePercentage": "Item 3(e)(6) Payment to Income Ratio - \"Payment to Income Ratio\" refers to Obligor's payment in relation to his/her income. This ratio is calculated using obligor's current base payment and dividing it by obligor's income. This field is omitted when obligor income is at \"0.00\", for example, Homemaker, Student, etc.",
    "obligorGeographicLocation": "Item 3(e)(7) Geographic location of Obligor - \"Geographic Location of Obligor\" refers to the State/Province where the vehicle is currently located.",
    "remainingTermToMaturityNumber": "Item 3(f)(2) Remaining Term to Maturity - \"Remaining Term to Maturity\" is the number of months from and excluding the reporting period end date to and including the current maturity date of the receivable with a partial month (even one day) reported as one month. \"0\" is reported if the maturity date of the receivable is in the reporting period or if the maturity of the receivable is in a prior reporting period.",
    "reportingPeriodModificationIndicator": "Item 3(f)(3) Modification Indicator Reporting Period - \"Modification Indicator\" refers to any type of modifications made to the original contract and is determined by taking contract extensions, monthly amount changes, term changes and due date changes into account. It is \"true\" for any account that has been modified and \"false\" if no modifications have been made.",
    "servicingAdvanceMethodCode": "Item 3(f)(4) Servicing Advance Method - \"Servicing Advance Method\" is reported as \"1\" since VW Credit, Inc. is not required to make an advance but may choose to advance interest. If interest is advanced for a receivable, VW Credit, Inc. will report \"2\".",
    "reportingPeriodBeginningLoanBalanceAmount": "Item 3(f)(5) Reporting Period Beginning Loan Balance - \"Reporting Period Beginning Loan Balance\" refers to account balance at the beginning of the reporting period which is the same as loan balance at the end of prior period.",
    "nextReportingPeriodPaymentAmountDue": "Item 3(f)(6) Next Reporting Period Payment Amount Due - \"Next Reporting Period Payment Amount Due\" refers to total amount of interest and principal due to be paid in the next reporting period for the related account including the amount of any past due principal and interest outstanding at the end of current reporting period. The reported amount will be \"0.00\" in case of any account that has been paid ahead by the amount greater than or equal to the total amount of interest and principal that would otherwise be due to be paid in the next reporting period. It is omitted when {Item 3(f)(24)(ii)} equals \"1 - Prepaid or Matured\" or \"4 - Charged-off\".",
    "reportingPeriodInterestRatePercentage": "Item 3(f)(7) Reporting Period Interest Rate - \"Reporting Period Interest Rate\" refers to the interest rate that was in effect for the related account as of the end of the prior reporting period and is omitted if the account is prepaid, matured, or charged-off.",
    "nextInterestRatePercentage": "Item 3(f)(8) Next Interest Rate - \"Next Interest Rate\" refers to the interest rate that was in effect for the related account as of the end of the current reporting period. It is omitted when {Item 3(f)(24)(ii)} equals \"1 - Prepaid or Matured\" or \"4 - Charged-off\".",
    "servicingFeePercentage": "Item 3(f)(9) Servicing Fee Percentage - \"Servicing Fee Percentage\" refers to the servicing fee which is a constant 1%.",
    "servicingFlatFeeAmount": "Item 3(f)(10) Servicing Fee Flat-Fee - The \"Servicing Fee Flat Fee\" field is omitted for all accounts because VW Credit, Inc. does not currently offer this option.",
    "otherServicerFeeRetainedByServicer": "Item 3(f)(11) Other Loan Level Servicing Fee(s) Retained by Servicer - The \"Other Loan Level Servicing Fee(s) Retained by Servicer\" field is omitted because VW Credit, Inc. does not currently retain any additional fees.",
    "otherAssessedUncollectedServicerFeeAmount": "Item 3(f)(12) Other Assessed But Uncollected Servicer Fees - \"Other Assessed but Uncollected Servicer Fees\" refers to the aggregate account of the late fees assessed since origination of the related account that have not paid or waived prior to the end of the current reporting period.",
    "scheduledInterestAmount": "Item 3(f)(13) Scheduled Interest Amount - \"Scheduled Interest Amount\" refers to the monthly interest payment for the related account calculated using an amortization schedule from the related origination date, using a 30/360 day count methodology and assuming that full payment of monthly principal and interest due is received on each due date. This field has a zero value when Original Interest Rate, {Item 3(c)(6)}, is zero or when new origination.",
    "scheduledPrincipalAmount": "Item 3(f)(14) Scheduled Principal Amount - \"Scheduled Principal Amount\" refers to the monthly principal payment for the related account calculated using an amortization schedule from the related origination date, using a 30/360 day count methodology and assuming that full payment of monthly principal and interest due is received on each due date.",
    "otherPrincipalAdjustmentAmount": "Item 3(f)(15) Other Principal Adjustments - \"Other Principal Adjustment Amount\" is calculated as the change in principal balance during the reporting period (Reporting Period Beginning Loan Balance {Item 3(f)(5)} minus Reporting Period Ending Actual Balance {Item 3(f)(16)}, minus Actual Principal Collected {Item 3(f)(20)}, minus Charged-off Principal Amount {Item 3(i)(1)}. A negative number for this item indicates an increase to the principal balance of the Receivable during the reporting period, while a positive number indicates a decrease to the principal balance of the Receivable during the reporting period.",
    "reportingPeriodActualEndBalanceAmount": "Item 3(f)(16) Reporting Period Ending Actual Balance - \"Reporting Period Ending Actual Balance\" is represented by the Receivable balance at the end of current reporting period.",
    "reportingPeriodScheduledPaymentAmount": "Item 3(f)(17) Reporting Period Scheduled Payment Amount - \"Reporting Period Scheduled Payment Amount\" refers to the monthly payment, including principal and interest, due to be paid for the related account as calculated at origination.",
    "totalActualAmountPaid": "Item 3(f)(18) Total Actual Amount Paid - \"Total Actual Amount Paid\" refers to the total amount paid as calculated by the sum of Actual Principal Collected {Item 3(f)(20)}, Actual Interest Collected {Item 3(f)(19)}, and Actual Other Amounts Collected {Item 3(f)(21)} during the current reporting period. If the sum of these items equals zero, then amount reported will be \"0.00\". Reported amount does not include Amounts Recovered, Charged-off or Repossession proceeds.",
    "actualInterestCollectedAmount": "Item 3(f)(19) Actual Interest Collected - \"Actual Interest Collected\" refers to the total interest payment by customer in the reporting period. If the aggregate amount of interest collections during the period, net of aggregate amount of any adjustments made to interest collections is less than or equal to zero, then amount reported will be \"0.00\".",
    "actualPrincipalCollectedAmount": "Item 3(f)(20) Actual Principal Collected - \"Actual Principal Collected\" represents the amount, by which (a) the sum of (i) the aggregate amount of any positive adjustments to the Principal Balance of such Receivable in the current reporting period and (ii) any principal collections (including prepayments) in respect of such Receivable during the current reporting period exceeds (b) the aggregate amount of any negative adjustments to the Principal Balance of such Receivable in the current reporting period. Only net positive amounts will be reported for this Item, any non-net positive amounts will be reported as \"0.00\".",
    "actualOtherCollectedAmount": "Item 3(f)(21) Actual Other Amounts Collected - \"Actual Other Amounts Collected\" refers to total amount of fees collected including late charges, extensions fees, etc. during the reporting period. If the aggregate amount of fee collections during the period, net of aggregate amount of any adjustments made to fee collections is less than or equal to zero, then amount reported will be \"0.00\".",
    "servicerAdvancedAmount": "Item 3(f)(22) Servicer Advanced Amount - \"Servicer Advanced Amount\" field is omitted unless an advance is made.",
    "interestPaidThroughDate": "Item 3(f)(23) Interest Paid Through Date - \"Interest Paid through Date\" refers to the last payment made that included interest. Reported date will be \"01-01-1900\" for any Receivable with a zero percent interest rate and omitted when new origination or {Item 3(f)(24)(ii)} is reported as \"4 - Charged-off\".",
    "zeroBalanceEffectiveDate": "Item 3(f)(24)(i) Zero Balance Effective Date - \"Zero Balance Effective Date\" refers to the date the account closed. It is omitted if the account status is \"Active\".",
    "zeroBalanceCode": "Item 3(f)(24)(ii) Zero Balance Code - \"Zero Balance Code\" refers to reason for account closure, and is stated using codes provided by SEC. It is omitted if the account status is \"Active\" and if {Item 3(f)(24)(i)} is omitted.",
    "currentDelinquencyStatus": "Item 3(f)(25) Current Delinquency Status - \"Current Delinquency Status\" refers to the number of days account is delinquent. It is omitted when {Item 3(f)(24)(ii)} equals \"1 - Prepaid or Matured\".",
    "primaryLoanServicerName": "Item 3(g)(1) Primary Loan Servicer - \"Primary Loan Servicer\" refers to VW Credit, Inc.",
    "mostRecentServicingTransferReceivedDate": "Item 3(g)(2) Most Recent Servicing Transfer Received Date - \"Most Recent Servicing Transfer Date\" is omitted as a servicing transition has not occurred.",
    "assetSubjectDemandIndicator": "Item 3(h) Asset Subject to Demand - \"Demand of Repurchase or Replace\" refers to cases where repurchases or replacements are made. If \"false\", {Item 3(h)(1) to Item 3(h)(5)} will be omitted.",
    "assetSubjectDemandStatusCode": "Item 3(h)(1) Status of Asset Subject to Demand - \"Status of Asset Subject to Demand\" refers to whether or not vehicle has been repurchased or replaced. It is omitted if {Item 3(h)} is \"false\".",
    "repurchaseAmount": "Item 3(h)(2) Repurchase Amount - \"Repurchase Amount\" is the Beginning Account balance once repurchase or replacement has been made. It is omitted if {Item 3(h)} is \"false\".",
    "demandResolutionDate": "Item 3(h)(3) Demand Resolution Date - \"Demand Resolution Date\" refers to the date of the repurchase or replacement. It is omitted if {Item 3(h)} is \"false\".",
    "repurchaserName": "Item 3(h)(4) Repurchaser - \"Repurchaser\" is VW Credit, Inc. It is omitted if {Item 3(h)} is \"false\".",
    "repurchaseReplacementReasonCode": "Item 3(h)(5) Repurchase or Replacement Reason - \"Repurchase or Replacement Reason\" refers to reason behind repurchase or replacement, is stated using SEC codes. It is omitted if {Item 3(h)} is \"false\".",
    "chargedoffPrincipalAmount": "Item 3(i)(1) Charged-off Principal Amount - \"Charged-Off Principal Amount\" represents the Principal Balance of a Defaulted Receivable immediately prior to such Receivable having become a Defaulted Receivable during the current reporting period. It is omitted when {Item 3(f)(24)(ii)} is not equal to \"4 - Charged-off\".",
    "recoveredAmount": "Item 3(i)(2) Amounts Recovered - \"Amounts Recovered\" represents recoveries received in respect of a Defaulted Receivable during the current reporting period, and includes amounts reported in {Item 3(k)(1)} - It also includes balance for accounts previously closed with a remaining balance at time of closing or a negative recovery in case of prior period adjustment. Repossession Proceeds. It is omitted if no recoveries are made.",
    "modificationTypeCode": "Item 3(j)(1) Modification Type - \"Loan modification Type\" refers to any modifications made to the original contract, and is stated using SEC codes. SEC Code value \"98\" is used for any changes to due date. This field is omitted if {Item 3(f)(3)} -Modification Indicator - is \"false\".",
    "paymentExtendedNumber": "Item 3(j)(2) Payment Extension - \"Payment Extension\" refers to payment extensions made during the life of the loan and is represented by number of months. This field is omitted if there are no extensions.",
    "repossessedIndicator": "Item 3(k) Repossessed - \"Repossession Indicator\" is \"true\" for any account in respect of which the related Financed Vehicle is included in VCI`s repossessed vehicle inventory as of the end of the current reporting period. Reported value will be updated to \"false\" for any Receivable subsequently reinstated to non-repossessed status.",
    "repossessedProceedsAmount": "Item 3(k)(1) Repossession Proceeds - \"Repossession Proceeds\" refers to the amount of proceeds from repossession during the current reporting period. It is omitted if {Item 3(k)} is \"false\"."
   },
   "codebook_fields": 58
  },
  {
   "trust": "FIFTH THIRD AUTO TRUST",
   "pool": "Fifth Third Auto Trust 2023-1",
   "filed": "2026-07-29",
   "cik": "1986424",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1986424/000119312526322402/ftat231ex102_0728-0950.xml",
   "records_seen": 37084,
   "loans_sampled": 1854,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "Fifth Third Bank National Association",
     1854
    ]
   ],
   "credit_score": {
    "p5": 674.0,
    "p25": 717.0,
    "median": 763.0,
    "p75": 812.0,
    "p95": 857.3,
    "min": 650.0
   },
   "term_months": {
    "p5": 60.0,
    "p25": 72.0,
    "median": 73.0,
    "p75": 76.0,
    "p95": 85.0,
    "min": 48.0
   },
   "payment_to_income_pct": {
    "p5": 2.1,
    "p25": 4.5,
    "median": 6.9,
    "p75": 9.7,
    "p95": 14.5,
    "min": 0.1
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 3.5,
    "p25": 4.9,
    "median": 5.9,
    "p75": 6.8,
    "p95": 8.7,
    "min": 1.6
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.0,
   "ltv_pct": {
    "p5": 96.1,
    "p25": 140.3,
    "median": 179.6,
    "p75": 220.6,
    "p95": 275.0,
    "min": 34.7
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     905
    ],
    [
     "2",
     816
    ],
    [
     "3",
     133
    ]
   ],
   "used_vehicle_pct": 56.0,
   "by_fico_band": [
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 32,
     "share_pct": 1.7,
     "apr_median": 7.2,
     "apr_p25": 6.3,
     "apr_p75": 8.6,
     "pti_median": 7.7,
     "term_median": 75.0,
     "ltv_median": 209.2,
     "used_pct": 65.6
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 1051,
     "share_pct": 56.7,
     "apr_median": 6.1,
     "apr_p25": 5.4,
     "apr_p75": 7.1,
     "pti_median": 7.5,
     "term_median": 73.0,
     "ltv_median": 186.4,
     "used_pct": 59.4
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 771,
     "share_pct": 41.6,
     "apr_median": 5.2,
     "apr_p25": 4.0,
     "apr_p75": 6.2,
     "pti_median": 6.1,
     "term_median": 73.0,
     "ltv_median": 166.6,
     "used_pct": 51.0
    }
   ],
   "top_states": [
    [
     "OH",
     178
    ],
    [
     "TX",
     147
    ],
    [
     "FL",
     146
    ],
    [
     "CA",
     98
    ],
    [
     "NJ",
     85
    ],
    [
     "IL",
     84
    ],
    [
     "NC",
     82
    ],
    [
     "NY",
     76
    ],
    [
     "GA",
     75
    ],
    [
     "PA",
     70
    ]
   ],
   "states_present": 48,
   "co_obligor_pct": 29.8,
   "vehicle_model_year": {
    "p5": 2015.0,
    "p25": 2018.0,
    "median": 2020.0,
    "p75": 2022.0,
    "p95": 2022.0,
    "min": 2009.0
   },
   "income_verification_codes": [
    [
     "2",
     1854
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     1854
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {
    "originatorName": "3(c)(1) Originator - Fifth Third Bank, National Association is the originator of each receivable in this transaction.",
    "originalLoanTerm": "3(c)(4) Original Loan Term - The Original Loan Term is calculated as the number of months from the origination date to the original maturity date. For purposes of this item, a partial month (even one day) is counted as one month. The Original Loan Term as disclosed in the Asset Data File may be up to three months more than the number of scheduled monthly payments under the receivable due to the timing of the Origination Date (Item 3(c)(2)) and the Original First Payment Date (Item 3(c)(10)) within the respective months. The original receivable term specified in this item may differ from the original term as disclosed in the prospectus, which calculates the term as the number of original scheduled payments under the receivable.",
    "loanMaturityDate": "3(c)(5) Loan Maturity Date - The item represents the current final maturity date of the receivable after giving effect to any extensions or due date changes that affect the month in which the final payment on the receivable is scheduled to be made.",
    "originalInterestOnlyTermNumber": "3(c)(9) Original Interest-Only Term - This item is omitted as inapplicable because no receivables in this transaction feature an interest-only period.",
    "gracePeriodNumber": "3(c)(12) Grace Period - This item represents the number of months from the origination date (Item 3(c)(2)) to but excluding the original first payment date (Item 3(c)(101)). For purposes of this item, a partial month (even one day) is counted as one month.",
    "vehicleManufacturerName": "3(d)(1) Vehicle Manufacturer - Fifth Third Bank, National Association receives this information directly from the dealer at the time of booking via RouteOne or Dealertrack.",
    "vehicleModelName": "3(d)(2) Vehicle Model - Fifth Third Bank, National Association receives this information directly from the dealer at the time of booking via RouteOne or Dealertrack.",
    "vehicleNewUsedCode": "3(d)(3) New or Used - Any previously untitled vehicle is classified as new.",
    "vehicleModelYear": "3(d)(4) Model Year - Fifth Third Bank, National Association receives this information directly from the dealer at the time of booking via RouteOne or Dealertrack.",
    "vehicleTypeCode": "3(d)(5) Vehicle Type - Fifth Third Bank, National Association derives this information from data provided by Moody's based upon the vehicle identification number, vehicle make, and vehicle model.",
    "vehicleValueAmount": "3(d)(6) Vehicle Value - Fifth Third Bank, National Association uses the J.D. Power or Kelley Blue Book value (depending on the state) for used vehicles, and the manufacturer's suggested retail price for new vehicles.",
    "obligorCreditScoreType": "3(e)(1) Obligor Credit Score Type - A response of \"FICO\" for this item means a FICO(R) credit score obtained from a national consumer credit reporting company. Scores obtained prior to April 19, 2017 are version \"FICO Auto Score 3\" and scores obtained on or after April 19, 2017 are version \"FICO Auto Score 9\". FICO is a federally registered servicemark of Fair Isaac Corporation.",
    "obligorCreditScore": "3(e)(2) Obligor Credit Score - When joint borrowers or co-signors exist on the receivable, this field will report the higher FICO of the two borrowers.",
    "paymentToIncomePercentage": "3(e)(6) Payment to Income Percentage - This is the original monthly payment amount divided by the combined gross monthly income and other monthly income of the obligor and any co-obligor(s). The gross income of all the obligor(s) is used.",
    "obligorGeographicLocation": "3(e)(7) Geographic location of Obligor - This item represents the last reported billing state.",
    "remainingTermToMaturityNumber": "3(f)(2) Remaining Term to Maturity - The remaining term to maturity is calculated as the number of months from the reporting period end date to the current maturity date. For purposes of this item, a partial month (even one day) is counted as one month. Remaining term to maturity is reported as \"0\" for reporting periods after the receivable`s current maturity date, which would only be applicable if the receivable has a past due balance. The remaining term to maturity specified in this item may differ from the remaining term to maturity specified in the prospectus, which is calculated as the number of scheduled monthly payments remaining for the receivable.",
    "nextReportingPeriodPaymentAmountDue": "3(f)(6) Next Reporting Period Payment Amount Due - This item represents the total amount of interest and principal due in the next reporting period needed to bring a receivable current as of the end of such period. This amount does not include any additional fees that may be owed on the receivable, such as late charges, non-sufficient funds fees, or extension fees. This amount will be reported as zero if no interest or principal is due in the next reporting period.",
    "servicingFlatFeeAmount": "3(f)(10) Servicing Fee Flat-Fee - This item is omitted as the servicing fee for this transaction is based solely on a percentage of the outstanding principal balance.",
    "otherServicerFeeRetainedByServicer": "3(f)(11) Other Loan Level Servicing Fee(s) Retained by Servicer - This item is omitted as inapplicable to this transaction.",
    "otherAssessedUncollectedServicerFeeAmount": "3(f)(12) Other Assessed But Uncollected Servicer Fees - For active loans, these are the fees that the servicer assessed to the customer less fees that the customer paid and any fees that the servicer waived. This field will be omitted for charged off or paid off loans.",
    "scheduledInterestAmount": "3(f)(13) Scheduled Interest Amount - This is the scheduled interest amount based on the receivable's original amortization schedule, assuming all payments are made on their expected due dates. If the loan is past its original maturity date, this field is will be reported as zero.",
    "scheduledPrincipalAmount": "3(f)(14) Scheduled Principal Amount - This is the scheduled principal amount based on the receivable's original amortization schedule, assuming all payments are made on their expected due dates. If the loan is past its original maturity date, this field is will be reported as zero.",
    "otherPrincipalAdjustmentAmount": "3(f)(15) Other Principal Adjustments - This will reflect any principal forgiveness on the loan for the current reporting period.",
    "reportingPeriodScheduledPaymentAmount": "3(f)(17) Reporting Period Scheduled Payment Amount - This item is calculated as the sum of Scheduled Interest Amount (Item 3(f)(13)) and Scheduled Principal Amount (Item 3(f)(14)).",
    "totalActualAmountPaid": "3(f)(18) Total Actual Amount Paid - This item represents amounts paid by the obligor or from any other source actually paid to the Servicer during the reporting period, less any reversals of payments (including, for example, returns of check payments for non-sufficient funds). This item is generally the sum of Actual Interest Collected (Item 3(f)(19)), Actual Principal Collected (Item 3(f)(20)) and Actual Other Amounts Collected (Item 3(f)(21)).",
    "actualInterestCollectedAmount": "3(f)(19) Actual Interest Collected - This item represents amounts received as interest by the Servicer during the reporting period, less any reversals of interest amounts (including, for example, amounts related to returns of check payments for non-sufficient funds). Accrued interest paid to the trust due to the repurchase of receivables will not be reflected in this field.",
    "actualPrincipalCollectedAmount": "3(f)(20) Actual Principal Collected - This item represents amounts received as principal by the Servicer during the reporting period, less any reversals of principal amounts (including, for example, amounts related to returns of check payments for non-sufficient funds). Principal paid to the trust due to the repurchase of receivables will not be reflected in this field.",
    "actualOtherCollectedAmount": "3(f)(21) Actual Other Amounts Collected - This item represents amounts received by the Servicer during the period that are not interest or principal payments, less any reversals of such amounts (including, for example, returns of check payments for non-sufficient funds).",
    "servicerAdvancedAmount": "3(f)(22) Servicer Advanced Amount - This item is omitted as inapplicable to this transaction.",
    "interestPaidThroughDate": "3(f)(23) Interest Paid Through Date - The interest paid through date is calculated as the Reporting Period End Date (Item 3(b)(2)) less the number of days of interest per diem accruals (as calculated by the outstanding amount of accrued interest due divided by the current per diem accrual amount). The resulting date calculation will generally be the last payment date except in cases where the borrower's last payment was insufficient to cover the total interest due.",
    "zeroBalanceEffectiveDate": "3(f)(24)(i) Zero Balance Effective Date - A value is only reported in this item if the receivable balance is taken to zero within the current period. This field will not contain a value for any subsequent periods where the receivable is reported with a zero balance. Repurchased receivables are last reported on the month-end of the period they were repurchased.",
    "zeroBalanceCode": "3(f)(24)(ii) Zero Balance Code - A value is only reported here if the receivable balance is taken to zero within the current period. This field will not contain a value for any subsequent periods where the receivable is reported with a zero balance. Repurchased receivables are last reported on the month-end of the period they were repurchased. The reported value of \"3\" will be used for voluntary repurchases, which are repurchases by Fifth Third Bank, National Association that do not fall into 3(h) Asset Subject to Demand.",
    "currentDelinquencyStatus": "3(f)(25) Current Delinquency Status - The number of days elapsed from the date a payment is due. Delinquency is based on the number of days where more than 10% of a scheduled payment or payments (on a cumulative basis) is contractually past due. This field will be omitted for loans that are paid off or fully charged off.",
    "mostRecentServicingTransferReceivedDate": "3(g)(2) Most Recent Servicing Transfer Received Date - This item is omitted because the servicer has continuously serviced each of the receivables since the related origination date and no servicing transfer has occurred.",
    "chargedoffPrincipalAmount": "3(i)(1) Charged-off Principal Amount - This item represents the change in the charged-off principal balance of the account during the reporting period. A negative number for this item represents a recovery, transaction reversal, or reinstatement of a previously charged-off receivable.",
    "recoveredAmount": "3(i)(2) Amounts Recovered - This item represents all amounts recovered during the reporting period on previously charged off accounts. This field could have a negative value if a transaction from a prior reporting period is reversed or corrected in the current reporting period.",
    "modificationTypeCode": "3(j)(1) Modification Type - A reported value of \"4\" would refer to an extension occurring within the current reporting period. Changes to accounts due to Servicemember's Civil Relief Act are excluded. A reported value of \"98\" would refer to a payment amount or payment date change occurring within the current reporting period.",
    "paymentExtendedNumber": "3(j)(2) Payment Extension - This field is only populated when item 3(j)(1) has a value of \"4\".",
    "repossessedIndicator": "3(k) Repossessed - This value is reported as \"TRUE\" for the reporting period in which a vehicle is repossessed and for all subsequent reporting periods until the loan is reinstated.",
    "repossessedProceedsAmount": "3(k)(1) Repossession Proceeds - Repossessed proceeds includes any liquidation proceeds and collections received minus auction expenses and repossession fees during the reporting period for repossessed vehicles. This field could be negative if expenses are recognized in a period other than the period that the vehicle is liquidated."
   },
   "codebook_fields": 40
  },
  {
   "trust": "BMW VEHICLE OWNER TRUST",
   "pool": "BMW Vehicle Owner Trust 2023-A",
   "filed": "2026-08-10",
   "cik": "1979860",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1979860/000092963826002936/bmw2023-a_exhibit102.xml",
   "records_seen": 45581,
   "loans_sampled": 2279,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "BMW Bank of North America",
     2279
    ]
   ],
   "credit_score": {
    "p5": 685.0,
    "p25": 743.0,
    "median": 795.0,
    "p75": 842.0,
    "p95": 875.0,
    "min": 601.0
   },
   "term_months": {
    "p5": 48.0,
    "p25": 60.0,
    "median": 60.0,
    "p75": 72.0,
    "p95": 72.0,
    "min": 24.0
   },
   "payment_to_income_pct": {
    "p5": 1.2,
    "p25": 3.2,
    "median": 5.4,
    "p75": 8.4,
    "p95": 15.3,
    "min": 0.0
   },
   "pti_filed_as": "decimal",
   "apr_pct": {
    "p5": 1.5,
    "p25": 2.8,
    "median": 3.9,
    "p75": 5.3,
    "p95": 7.0,
    "min": 0.9
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.0,
   "ltv_pct": {
    "p5": 38.5,
    "p25": 64.8,
    "median": 84.0,
    "p75": 100.1,
    "p95": 115.8,
    "min": 6.9
   },
   "ltv_comparable": true,
   "vehicle_value_source_codes": [
    [
     "2",
     2279
    ]
   ],
   "used_vehicle_pct": 26.9,
   "by_fico_band": [
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 54,
     "share_pct": 2.4,
     "apr_median": 8.5,
     "apr_p25": 6.5,
     "apr_p75": 10.5,
     "pti_median": 6.7,
     "term_median": 72.0,
     "ltv_median": 92.4,
     "used_pct": 38.9
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 926,
     "share_pct": 40.6,
     "apr_median": 4.0,
     "apr_p25": 2.9,
     "apr_p75": 5.5,
     "pti_median": 6.3,
     "term_median": 60.0,
     "ltv_median": 89.6,
     "used_pct": 29.7
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 1299,
     "share_pct": 57.0,
     "apr_median": 3.5,
     "apr_p25": 2.5,
     "apr_p75": 5.0,
     "pti_median": 4.8,
     "term_median": 60.0,
     "ltv_median": 79.7,
     "used_pct": 24.3
    }
   ],
   "top_states": [
    [
     "CA",
     418
    ],
    [
     "TX",
     242
    ],
    [
     "FL",
     206
    ],
    [
     "NJ",
     152
    ],
    [
     "GA",
     106
    ],
    [
     "PA",
     106
    ],
    [
     "NY",
     98
    ],
    [
     "VA",
     70
    ],
    [
     "MA",
     69
    ],
    [
     "IL",
     69
    ]
   ],
   "states_present": 48,
   "co_obligor_pct": 29.1,
   "vehicle_model_year": {
    "p5": 2017.0,
    "p25": 2019.0,
    "median": 2021.0,
    "p75": 2022.0,
    "p95": 2023.0,
    "min": 2016.0
   },
   "income_verification_codes": [
    [
     "2",
     2279
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     2279
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {},
   "codebook_fields": 0
  },
  {
   "trust": "NISSAN AUTO RECEIVABLES",
   "pool": "Nissan Auto Receivables 2022-B Owner Trust",
   "filed": "2026-08-19",
   "cik": "1941405",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1941405/000119312526356391/narot22bex102_0818-1733.xml",
   "records_seen": 21990,
   "loans_sampled": 1099,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "NMAC",
     1099
    ]
   ],
   "credit_score": {
    "p5": 691.9,
    "p25": 735.5,
    "median": 776.0,
    "p75": 827.0,
    "p95": 869.1,
    "min": 660.0
   },
   "term_months": {
    "p5": 60.0,
    "p25": 61.0,
    "median": 72.0,
    "p75": 73.0,
    "p95": 75.0,
    "min": 60.0
   },
   "payment_to_income_pct": {
    "p5": 2.2,
    "p25": 4.4,
    "median": 6.8,
    "p75": 9.5,
    "p95": 14.8,
    "min": 0.1
   },
   "pti_filed_as": "percent",
   "apr_pct": {
    "p5": 0.0,
    "p25": 1.9,
    "median": 2.5,
    "p75": 3.9,
    "p95": 5.0,
    "min": 0.0
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 10.4,
   "ltv_pct": {
    "p5": 59.2,
    "p25": 85.7,
    "median": 102.9,
    "p75": 115.1,
    "p95": 128.9,
    "min": 21.0
   },
   "ltv_comparable": true,
   "vehicle_value_source_codes": [
    [
     "1",
     1014
    ],
    [
     "98",
     79
    ],
    [
     "3",
     6
    ]
   ],
   "used_vehicle_pct": 7.7,
   "by_fico_band": [
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 1,
     "share_pct": 0.1,
     "apr_median": 3.9,
     "apr_p25": 3.9,
     "apr_p75": 3.9,
     "pti_median": 8.9,
     "term_median": 72.0,
     "ltv_median": 99.3,
     "used_pct": 0.0
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 563,
     "share_pct": 51.2,
     "apr_median": 2.9,
     "apr_p25": 1.9,
     "apr_p75": 4.0,
     "pti_median": 7.7,
     "term_median": 72.0,
     "ltv_median": 105.4,
     "used_pct": 8.9
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 535,
     "share_pct": 48.7,
     "apr_median": 1.9,
     "apr_p25": 0.9,
     "apr_p75": 3.5,
     "pti_median": 5.7,
     "term_median": 72.0,
     "ltv_median": 99.7,
     "used_pct": 6.5
    }
   ],
   "top_states": [
    [
     "CA",
     145
    ],
    [
     "TX",
     89
    ],
    [
     "NY",
     71
    ],
    [
     "FL",
     69
    ],
    [
     "PA",
     46
    ],
    [
     "NJ",
     46
    ],
    [
     "IL",
     41
    ],
    [
     "OH",
     41
    ],
    [
     "VA",
     33
    ],
    [
     "AZ",
     31
    ]
   ],
   "states_present": 50,
   "co_obligor_pct": 30.5,
   "vehicle_model_year": {
    "p5": 2019.0,
    "p25": 2021.0,
    "median": 2021.0,
    "p75": 2022.0,
    "p95": 2022.0,
    "min": 2017.0
   },
   "income_verification_codes": [
    [
     "2",
     1099
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     1099
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {
    "assetTypeNumber": "Item 3(a)(1) Asset Number Type - Throughout the Asset Data File and in this Asset Related Document, \"NMAC\" refers to Nissan Motor Acceptance Company LLC, the sponsor and servicer of this securitization transaction. The asset number reflected on this Schedule AL is the unique identifying number NMAC, as servicer, maintains for each receivable.",
    "originatorName": "Item 3(c)(1) Originator - Each receivable was originated by NMAC, the sponsor of the transaction.",
    "originalLoanAmount": "Item 3(c)(3) Original Loan Amount - This item represents the amount financed on the receivable as reflected on the related loan contract, including the purchase price for the related Financed Vehicle (less any cash down payment or trade-in credit), any accessories purchased by the obligor, any amounts paid under extended warranties or similar products, and any taxes and fees assessed in connection with the purchase of the Financed Vehicle.",
    "originalLoanTerm": "Item 3(c)(4) Original Loan Term - This item represents the number of calendar months between the month of the Origination Date (Item 3(c)(2)) and the month of the Loan Maturity Date (Item 3(c)(5)). The statistical information regarding the receivables in the prospectus is generally presented based on the number of original scheduled payments under the receivable, rather than the number of months from origination to maturity. The Original Loan Term as disclosed in the Asset Data File may be up to three months more than the number of scheduled monthly payments under the receivable due to the timing of the Origination Date and the Original First Payment Date (Item 3(c)(10)) within the respective months.",
    "loanMaturityDate": "Item 3(c)(5) Loan Maturity Date - This item reflects the date of the final scheduled payment on the receivable. If the receivable has been extended by the servicer, that extension will be reflected in the date reported in this item.",
    "interestCalculationTypeCode": "Item 3(c)(7) Interest Calculation Type - The interest rate calculation method for each receivable is simple interest",
    "originalInterestRateTypeCode": "Item 3(c)(8) Original Interest Rate Type - The interest rate for each receivable is fixed.",
    "originalInterestOnlyTermNumber": "Item 3(c)(9) Original Interest-Only Term - No receivables originated by NMAC feature an interest-only period.",
    "underwritingIndicator": "Item 3(c)(11) Underwriting Indicator - As discussed under \"The Receivables-Underwriting Procedures\" in the prospectus, under NMAC`s origination process, retail installment contract applications are reviewed when received by NMAC`s auto-decisioning system, which then approves, rejects or forwards the application for review by an NMAC credit analyst. A \"TRUE\" response to this item indicates that the related receivable was automatically approved by NMAC`s auto-decisioning system, while a \"FALSE\" response indicates that the related receivable was forwarded to an NMAC credit analyst with appropriate approval authority who reviewed and approved the receivable.",
    "gracePeriodNumber": "Item 3(c)(12) Grace Period - This item represents the number of calendar months between the month of the Origination Date (Item 3(c)(2)) and the month of the Original First Payment Date (Item 3(c)(10)).",
    "paymentTypeCode": "Item 3(c)(13) Payment Type - Payments on each receivable are required monthly.",
    "vehicleManufacturerName": "Item 3(d)(1) Vehicle Manufacturer - This item represents the vehicle make of the Financed Vehicle, as reflected on the original loan contract.",
    "vehicleModelName": "Item 3(d)(2) Vehicle Model - This item represents the vehicle model of the Financed Vehicle, as reflected on the original loan contract.",
    "vehicleNewUsedCode": "Item 3(d)(3) New or Used - A response of \"1\" to this item indicates that the related Financed Vehicle was classified by NMAC as a \"new\" vehicle, while a response of \"2\" indicates that the related Financed Vehicle was classified by NMAC as \"Near-new\" or \"used.\" For a description of NMAC`s \"new,\" \"near-new\" and \"used\" classifications, see \"The Receivables\" in the prospectus.",
    "vehicleTypeCode": "Item 3(d)(5) Vehicle Type - With respect to Nissan- and Infiniti-branded vehicles, this item represents the manufacturer`s classification of the related vehicle. A response of \"98\" for this item means the vehicle type is not a car, truck, SUV or motorcycle (for example, minivans or other vans).",
    "vehicleValueAmount": "Item 3(d)(6) Vehicle Value - With respect to each Financed Vehicle that is a new vehicle, this item represents the dealer invoice amount of the Financed Vehicle. With respect to each Financed Vehicle that is a new vehicle, this item represents the value of the Financed Vehicle reflected in the applicable third-party valuation guide reflected under Source of Vehicle Value (Item 3(d)(7)). In the case of both new and used vehicles, this amount excludes any amounts paid for extended warranties or similar products, and any taxes and fees assessed in connection with the purchase of the Financed Vehicle.",
    "vehicleValueSourceCode": "Item 3(d)(7) Source of Vehicle Value - With respect to receivables related to new vehicles, the source of Vehicle Value (Item 3(d)(6)) is generally the invoice price for the related vehicle. With respect to near-new or used vehicles, the source of the Vehicle Value depends upon the State in which the receivable was originated and may be Kelley Blue Book, the National Automobile Dealers Association Guide or another third-party valuation guide.",
    "obligorCreditScoreType": "Item 3(e)(1) Obligor Credit Score Type - A response of \"FICO\" for this item means a FICO(R) credit score obtained by NMAC from a national consumer credit reporting company. FICO(R) is a federally registered servicemark of Fair Isaac Corporation.",
    "obligorCreditScore": "Item 3(e)(2) Obligor Credit Score - For receivables with a co-obligor present (signified by a response of true for Co-Obligor Indicator, Item 3(e)(5)), this item represents the credit score of the primary obligor on the credit application.",
    "obligorIncomeVerificationLevelCode": "Item 3(e)(3) Obligor Income Verification Level - A response of \"2\" for this item means that the related obligor provided a stated income on the credit application, but was not asked for additional verification (e.g., paystubs or W-2s) of the stated income. NMAC requires all obligors to provide a stated income on the credit application. However, NMAC does not require verification of income as part of its underwriting policy, and NMAC is unable to capture whether any level of income verification was performed with respect to any receivable. As a result, all receivables will reflect a response of \"2\" for this item.",
    "obligorEmploymentVerificationCode": "Item 3(e)(4) Obligor Employment Verification - A response of \"2\" for this item means that the related obligor provided employment information on the credit application, but was not asked for additional verification (e.g., paystubs) of employment. NMAC requires all obligors to provide employment information on the credit application. However, NMAC does not require verification of employment as part of its underwriting policy, and NMAC is unable to capture whether any level of employment verification was performed with respect to any receivable. As a result, all receivables will reflect a response of \"2\" for this item.",
    "paymentToIncomePercentage": "Item 3(e)(6) Payment to Income Ratio - This item represents the ratio, stated as a percentage, of the monthly payment at origination, as indicated on the retail installment contract, to the income of the obligor and the co-obligor, if any. A response of \"0\" for this item means that no ratio is available. For a description of the methodology for calculating an obligor`s income for purposes of establishing a payment-to-income ratio, see \"The Receivables-Underwriting Procedures\" in the prospectus.",
    "obligorGeographicLocation": "Item 3(e)(7) Geographic location of Obligor - This item represents the state of the obligor`s current mailing address as maintained by NMAC, as servicer.",
    "remainingTermToMaturityNumber": "Item 3(f)(2) Remaining Term to Maturity - This item represents the number of scheduled monthly payments remaining for the receivable.",
    "reportingPeriodModificationIndicator": "Item 3(f)(3) Modification Indicator Reporting Period - This item will be reported as true if, during the related reporting period, (i) the APR on the related receivable was modified, (ii) the related obligor was granted an extension on the receivable or (iii) the monthly payment due on the related receivable was reduced without reducing the principal balance of such receivable by extending the maturity of such receivable.",
    "servicingAdvanceMethodCode": "Item 3(f)(4) Servicing Advance Method - All receivables will reflect a response of \"1\" for this item because the transaction documents do not currently provide for the making of servicer advances.",
    "nextReportingPeriodPaymentAmountDue": "Item 3(f)(6) Next Reporting Period Payment Amount Due - This item represents the total amount of interest and principal due in the next reporting period needed for the receivable to be considered current as of the end of such period. If a receivable has been paid ahead, this item will reflect \"$0.00.\"",
    "servicingFlatFeeAmount": "Item 3(f)(10) Servicing Fee Flat-Fee - This item is omitted as the servicing fee for this transaction is based solely on a percentage of the outstanding principal balance.",
    "otherServicerFeeRetainedByServicer": "Item 3(f)(11) Other Loan Level Servicing Fee(s) Retained by Servicer - This item is omitted as inapplicable to this transaction. As described in the prospectus under \"Description of the Transfer and Servicing Agreements-Compensation for Servicer and Administrator\", NMAC, as servicer, is entitled to retain certain fees and charges as Supplemental Servicing Fees. These amounts, to the extent collected in any reporting period, will be reflected under Actual Other Amount Collected (Item 3(f)(20)).",
    "otherAssessedUncollectedServicerFeeAmount": "Item 3(f)(12) Other Assessed But Uncollected Servicer Fees - Amounts in this item reflect other fees or charges assessed to the obligor but uncollected during the reporting period. These amounts comprise fees or charges that NMAC, as servicer, is entitled to retain as Supplemental Servicing Fees, including late charges, prepayment charges and any other administrative fees and expenses or similar charges in connection with repossession.",
    "scheduledInterestAmount": "Item 3(f)(13) Scheduled Interest Amount - This item represents the calculated monthly interest amount due based on the product of (i) the original principal balance of the receivable times (ii) the APR of the receivable times (iii) one-twelfth. If the scheduled interest has been paid ahead or the scheduled interest payment has been extended by the Servicer, this item will reflect \"$0.00.\"",
    "scheduledPrincipalAmount": "Item 3(f)(14) Scheduled Principal Amount - This item represents the calculated monthly principal amount due based on the receivable`s initial amortization schedule, which assumes that the obligor pays all amounts due on each due date. If the scheduled principal has been paid ahead or the scheduled principal payment has been extended by the Servicer, this item will reflect \"$0.00.\"",
    "otherPrincipalAdjustmentAmount": "Item 3(f)(15) Other Principal Adjustments - This item is reflects the change in principal balance during the reporting period (Reporting Period Beginning Loan Balance (Item 3(f)(5)) minus Reporting Period Ending Actual Balance (Item 3(f)(16)), that is not attributable to Actual Principal Collected (Item 3(f)(20)) or a Charged-off Principal Amount (Item 3(i)(1)). A response that is a negative number for this item indicates an increase to the principal balance of the receivable during the reporting period.",
    "reportingPeriodScheduledPaymentAmount": "Item 3(f)(17) Reporting Period Scheduled Payment Amount - This item is reflects the total payment amount due from the obligor during the reporting period, including the Scheduled Interest Amount (Item 3(f)(13)), Scheduled Principal Amount (Item 3(f)(14)) and any other fees assessed to the obligor. Because this amount reflects any other fees due during the reporting period, the amount reflected in this item may be greater than the sum of the Scheduled Interest Amount (Item 3(f)(13)) and the Scheduled Principal Amount (Item 3(f)(14)).",
    "totalActualAmountPaid": "Item 3(f)(18) Total Actual Amount Paid - This item represents amounts paid by the obligor or from any other source actually paid to the servicer during the reporting period, less any reversals of payments (including, for example, returns of check payments for non-sufficient funds). If reversals of payments posted during the reporting period exceed amounts paid during the period, this item is reported as zero.",
    "actualInterestCollectedAmount": "Item 3(f)(19) Actual Interest Collected - This item represents amounts received as interest by the servicer during the reporting period, less any reversals of interest amounts (including, for example, amounts related to returns of check payments for non-sufficient funds). If reversals of interest amounts posted during the reporting period exceed amounts received as interest during the period, this item is reported as zero.",
    "actualPrincipalCollectedAmount": "Item 3(f)(20) Actual Principal Collected - This item represents amounts received as principal by the servicer during the reporting period, less any reversals of principal amounts (including, for example, amounts related to returns of check payments for non-sufficient funds). If reversals of principal amounts posted during the reporting period exceed amounts received as principal during the period, this item is reported as zero.",
    "actualOtherCollectedAmount": "Item 3(f)(21) Actual Other Amounts Collected - This item represents amounts received by the servicer during the period that are not interest or principal payments, less any reversals of such amounts (including, for example, returns of check payments for non-sufficient funds). Amounts reflected in this item generally comprise fees or charges that NMAC, as servicer, is entitled to retain as Supplemental Servicing Fees, including late charges, non-sufficient fund (NSF) charges and title fees in connection with repossession. If reversals of other amounts posted during the reporting period exceed such other amounts received during the period, this item is reported as zero.",
    "interestPaidThroughDate": "Item 3(f)(23) Interest Paid Through Date - This item represents the posting date of the obligor`s last payment that reduced the principal balance of the receivable. If no payments have reduced the principal balance of the receivable from its Original Loan Amount (Item 3(c)(3)), this item will be reported as the Origination Date (Item 3(c)(2)).",
    "currentDelinquencyStatus": "Item 3(f)(25) Current Delinquency Status - This item represents the number of days that the related receivable is contractually past due. NMAC considers a receivable to be past due when the obligor fails to make at least 80% of a payment by the due date and delinquent when 20% or more of a scheduled payment is past due for 15 days. While NMAC`s generally policy is to charge off the receivable when it becomes 120 days past due, in certain limited circumstances, NMAC wait beyond the 120th day past due to charge off the receivable as described under \"The Receivables-Servicing of the Receivables\" in the prospectus.",
    "chargedoffPrincipalAmount": "Item 3(i)(1) Charged-off Principal Amount - This item represents the amount of uncollected principal charged off during the reporting period.",
    "recoveredAmount": "Item 3(i)(2) Amounts Recovered - This item represents any amounts collected by the servicer with respect to a receivable that has previously been reflected as charged off under Charged Off Principal Amount (Item 3(i)(1)).",
    "modificationTypeCode": "Item 3(j)(1) Modification Type - A response of \"98\" for this item means the monthly payment due on the related receivable was reduced without reducing the principal balance of such receivable by extending the maturity of such receivable.",
    "repossessedIndicator": "Item 3(k) Repossessed - This item will only reflect a response of \"TRUE\" in the period in which the repossession occurs.",
    "repossessedProceedsAmount": "Item 3(k)(1) Repossession Proceeds - Sales proceeds with respect to a repossessed Financed Vehicle will only be reported under this item if the Financed Vehicle is sold in the same reporting period in which the repossession occurs. In all other cases, proceeds of a repossession sale will be reflected as a Recovered Amount (Item 3(i)(2))."
   },
   "codebook_fields": 45
  },
  {
   "trust": "NISSAN AUTO RECEIVABLES CO II LLC",
   "pool": "NISSAN AUTO RECEIVABLES Co II LLC",
   "filed": "2026-08-19",
   "cik": "1129068",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1129068/000119312526356391/narot22bex102_0818-1733.xml",
   "records_seen": 21990,
   "loans_sampled": 1099,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "NMAC",
     1099
    ]
   ],
   "credit_score": {
    "p5": 691.9,
    "p25": 735.5,
    "median": 776.0,
    "p75": 827.0,
    "p95": 869.1,
    "min": 660.0
   },
   "term_months": {
    "p5": 60.0,
    "p25": 61.0,
    "median": 72.0,
    "p75": 73.0,
    "p95": 75.0,
    "min": 60.0
   },
   "payment_to_income_pct": {
    "p5": 2.2,
    "p25": 4.4,
    "median": 6.8,
    "p75": 9.5,
    "p95": 14.8,
    "min": 0.1
   },
   "pti_filed_as": "percent",
   "apr_pct": {
    "p5": 0.0,
    "p25": 1.9,
    "median": 2.5,
    "p75": 3.9,
    "p95": 5.0,
    "min": 0.0
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 10.4,
   "ltv_pct": {
    "p5": 59.2,
    "p25": 85.7,
    "median": 102.9,
    "p75": 115.1,
    "p95": 128.9,
    "min": 21.0
   },
   "ltv_comparable": true,
   "vehicle_value_source_codes": [
    [
     "1",
     1014
    ],
    [
     "98",
     79
    ],
    [
     "3",
     6
    ]
   ],
   "used_vehicle_pct": 7.7,
   "by_fico_band": [
    {
     "band": "near_prime",
     "range": "601-660",
     "n": 1,
     "share_pct": 0.1,
     "apr_median": 3.9,
     "apr_p25": 3.9,
     "apr_p75": 3.9,
     "pti_median": 8.9,
     "term_median": 72.0,
     "ltv_median": 99.3,
     "used_pct": 0.0
    },
    {
     "band": "prime",
     "range": "661-780",
     "n": 563,
     "share_pct": 51.2,
     "apr_median": 2.9,
     "apr_p25": 1.9,
     "apr_p75": 4.0,
     "pti_median": 7.7,
     "term_median": 72.0,
     "ltv_median": 105.4,
     "used_pct": 8.9
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 535,
     "share_pct": 48.7,
     "apr_median": 1.9,
     "apr_p25": 0.9,
     "apr_p75": 3.5,
     "pti_median": 5.7,
     "term_median": 72.0,
     "ltv_median": 99.7,
     "used_pct": 6.5
    }
   ],
   "top_states": [
    [
     "CA",
     145
    ],
    [
     "TX",
     89
    ],
    [
     "NY",
     71
    ],
    [
     "FL",
     69
    ],
    [
     "PA",
     46
    ],
    [
     "NJ",
     46
    ],
    [
     "IL",
     41
    ],
    [
     "OH",
     41
    ],
    [
     "VA",
     33
    ],
    [
     "AZ",
     31
    ]
   ],
   "states_present": 50,
   "co_obligor_pct": 30.5,
   "vehicle_model_year": {
    "p5": 2019.0,
    "p25": 2021.0,
    "median": 2021.0,
    "p75": 2022.0,
    "p95": 2022.0,
    "min": 2017.0
   },
   "income_verification_codes": [
    [
     "2",
     1099
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     1099
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {
    "assetTypeNumber": "Item 3(a)(1) Asset Number Type - Throughout the Asset Data File and in this Asset Related Document, \"NMAC\" refers to Nissan Motor Acceptance Company LLC, the sponsor and servicer of this securitization transaction. The asset number reflected on this Schedule AL is the unique identifying number NMAC, as servicer, maintains for each receivable.",
    "originatorName": "Item 3(c)(1) Originator - Each receivable was originated by NMAC, the sponsor of the transaction.",
    "originalLoanAmount": "Item 3(c)(3) Original Loan Amount - This item represents the amount financed on the receivable as reflected on the related loan contract, including the purchase price for the related Financed Vehicle (less any cash down payment or trade-in credit), any accessories purchased by the obligor, any amounts paid under extended warranties or similar products, and any taxes and fees assessed in connection with the purchase of the Financed Vehicle.",
    "originalLoanTerm": "Item 3(c)(4) Original Loan Term - This item represents the number of calendar months between the month of the Origination Date (Item 3(c)(2)) and the month of the Loan Maturity Date (Item 3(c)(5)). The statistical information regarding the receivables in the prospectus is generally presented based on the number of original scheduled payments under the receivable, rather than the number of months from origination to maturity. The Original Loan Term as disclosed in the Asset Data File may be up to three months more than the number of scheduled monthly payments under the receivable due to the timing of the Origination Date and the Original First Payment Date (Item 3(c)(10)) within the respective months.",
    "loanMaturityDate": "Item 3(c)(5) Loan Maturity Date - This item reflects the date of the final scheduled payment on the receivable. If the receivable has been extended by the servicer, that extension will be reflected in the date reported in this item.",
    "interestCalculationTypeCode": "Item 3(c)(7) Interest Calculation Type - The interest rate calculation method for each receivable is simple interest",
    "originalInterestRateTypeCode": "Item 3(c)(8) Original Interest Rate Type - The interest rate for each receivable is fixed.",
    "originalInterestOnlyTermNumber": "Item 3(c)(9) Original Interest-Only Term - No receivables originated by NMAC feature an interest-only period.",
    "underwritingIndicator": "Item 3(c)(11) Underwriting Indicator - As discussed under \"The Receivables-Underwriting Procedures\" in the prospectus, under NMAC`s origination process, retail installment contract applications are reviewed when received by NMAC`s auto-decisioning system, which then approves, rejects or forwards the application for review by an NMAC credit analyst. A \"TRUE\" response to this item indicates that the related receivable was automatically approved by NMAC`s auto-decisioning system, while a \"FALSE\" response indicates that the related receivable was forwarded to an NMAC credit analyst with appropriate approval authority who reviewed and approved the receivable.",
    "gracePeriodNumber": "Item 3(c)(12) Grace Period - This item represents the number of calendar months between the month of the Origination Date (Item 3(c)(2)) and the month of the Original First Payment Date (Item 3(c)(10)).",
    "paymentTypeCode": "Item 3(c)(13) Payment Type - Payments on each receivable are required monthly.",
    "vehicleManufacturerName": "Item 3(d)(1) Vehicle Manufacturer - This item represents the vehicle make of the Financed Vehicle, as reflected on the original loan contract.",
    "vehicleModelName": "Item 3(d)(2) Vehicle Model - This item represents the vehicle model of the Financed Vehicle, as reflected on the original loan contract.",
    "vehicleNewUsedCode": "Item 3(d)(3) New or Used - A response of \"1\" to this item indicates that the related Financed Vehicle was classified by NMAC as a \"new\" vehicle, while a response of \"2\" indicates that the related Financed Vehicle was classified by NMAC as \"Near-new\" or \"used.\" For a description of NMAC`s \"new,\" \"near-new\" and \"used\" classifications, see \"The Receivables\" in the prospectus.",
    "vehicleTypeCode": "Item 3(d)(5) Vehicle Type - With respect to Nissan- and Infiniti-branded vehicles, this item represents the manufacturer`s classification of the related vehicle. A response of \"98\" for this item means the vehicle type is not a car, truck, SUV or motorcycle (for example, minivans or other vans).",
    "vehicleValueAmount": "Item 3(d)(6) Vehicle Value - With respect to each Financed Vehicle that is a new vehicle, this item represents the dealer invoice amount of the Financed Vehicle. With respect to each Financed Vehicle that is a new vehicle, this item represents the value of the Financed Vehicle reflected in the applicable third-party valuation guide reflected under Source of Vehicle Value (Item 3(d)(7)). In the case of both new and used vehicles, this amount excludes any amounts paid for extended warranties or similar products, and any taxes and fees assessed in connection with the purchase of the Financed Vehicle.",
    "vehicleValueSourceCode": "Item 3(d)(7) Source of Vehicle Value - With respect to receivables related to new vehicles, the source of Vehicle Value (Item 3(d)(6)) is generally the invoice price for the related vehicle. With respect to near-new or used vehicles, the source of the Vehicle Value depends upon the State in which the receivable was originated and may be Kelley Blue Book, the National Automobile Dealers Association Guide or another third-party valuation guide.",
    "obligorCreditScoreType": "Item 3(e)(1) Obligor Credit Score Type - A response of \"FICO\" for this item means a FICO(R) credit score obtained by NMAC from a national consumer credit reporting company. FICO(R) is a federally registered servicemark of Fair Isaac Corporation.",
    "obligorCreditScore": "Item 3(e)(2) Obligor Credit Score - For receivables with a co-obligor present (signified by a response of true for Co-Obligor Indicator, Item 3(e)(5)), this item represents the credit score of the primary obligor on the credit application.",
    "obligorIncomeVerificationLevelCode": "Item 3(e)(3) Obligor Income Verification Level - A response of \"2\" for this item means that the related obligor provided a stated income on the credit application, but was not asked for additional verification (e.g., paystubs or W-2s) of the stated income. NMAC requires all obligors to provide a stated income on the credit application. However, NMAC does not require verification of income as part of its underwriting policy, and NMAC is unable to capture whether any level of income verification was performed with respect to any receivable. As a result, all receivables will reflect a response of \"2\" for this item.",
    "obligorEmploymentVerificationCode": "Item 3(e)(4) Obligor Employment Verification - A response of \"2\" for this item means that the related obligor provided employment information on the credit application, but was not asked for additional verification (e.g., paystubs) of employment. NMAC requires all obligors to provide employment information on the credit application. However, NMAC does not require verification of employment as part of its underwriting policy, and NMAC is unable to capture whether any level of employment verification was performed with respect to any receivable. As a result, all receivables will reflect a response of \"2\" for this item.",
    "paymentToIncomePercentage": "Item 3(e)(6) Payment to Income Ratio - This item represents the ratio, stated as a percentage, of the monthly payment at origination, as indicated on the retail installment contract, to the income of the obligor and the co-obligor, if any. A response of \"0\" for this item means that no ratio is available. For a description of the methodology for calculating an obligor`s income for purposes of establishing a payment-to-income ratio, see \"The Receivables-Underwriting Procedures\" in the prospectus.",
    "obligorGeographicLocation": "Item 3(e)(7) Geographic location of Obligor - This item represents the state of the obligor`s current mailing address as maintained by NMAC, as servicer.",
    "remainingTermToMaturityNumber": "Item 3(f)(2) Remaining Term to Maturity - This item represents the number of scheduled monthly payments remaining for the receivable.",
    "reportingPeriodModificationIndicator": "Item 3(f)(3) Modification Indicator Reporting Period - This item will be reported as true if, during the related reporting period, (i) the APR on the related receivable was modified, (ii) the related obligor was granted an extension on the receivable or (iii) the monthly payment due on the related receivable was reduced without reducing the principal balance of such receivable by extending the maturity of such receivable.",
    "servicingAdvanceMethodCode": "Item 3(f)(4) Servicing Advance Method - All receivables will reflect a response of \"1\" for this item because the transaction documents do not currently provide for the making of servicer advances.",
    "nextReportingPeriodPaymentAmountDue": "Item 3(f)(6) Next Reporting Period Payment Amount Due - This item represents the total amount of interest and principal due in the next reporting period needed for the receivable to be considered current as of the end of such period. If a receivable has been paid ahead, this item will reflect \"$0.00.\"",
    "servicingFlatFeeAmount": "Item 3(f)(10) Servicing Fee Flat-Fee - This item is omitted as the servicing fee for this transaction is based solely on a percentage of the outstanding principal balance.",
    "otherServicerFeeRetainedByServicer": "Item 3(f)(11) Other Loan Level Servicing Fee(s) Retained by Servicer - This item is omitted as inapplicable to this transaction. As described in the prospectus under \"Description of the Transfer and Servicing Agreements-Compensation for Servicer and Administrator\", NMAC, as servicer, is entitled to retain certain fees and charges as Supplemental Servicing Fees. These amounts, to the extent collected in any reporting period, will be reflected under Actual Other Amount Collected (Item 3(f)(20)).",
    "otherAssessedUncollectedServicerFeeAmount": "Item 3(f)(12) Other Assessed But Uncollected Servicer Fees - Amounts in this item reflect other fees or charges assessed to the obligor but uncollected during the reporting period. These amounts comprise fees or charges that NMAC, as servicer, is entitled to retain as Supplemental Servicing Fees, including late charges, prepayment charges and any other administrative fees and expenses or similar charges in connection with repossession.",
    "scheduledInterestAmount": "Item 3(f)(13) Scheduled Interest Amount - This item represents the calculated monthly interest amount due based on the product of (i) the original principal balance of the receivable times (ii) the APR of the receivable times (iii) one-twelfth. If the scheduled interest has been paid ahead or the scheduled interest payment has been extended by the Servicer, this item will reflect \"$0.00.\"",
    "scheduledPrincipalAmount": "Item 3(f)(14) Scheduled Principal Amount - This item represents the calculated monthly principal amount due based on the receivable`s initial amortization schedule, which assumes that the obligor pays all amounts due on each due date. If the scheduled principal has been paid ahead or the scheduled principal payment has been extended by the Servicer, this item will reflect \"$0.00.\"",
    "otherPrincipalAdjustmentAmount": "Item 3(f)(15) Other Principal Adjustments - This item is reflects the change in principal balance during the reporting period (Reporting Period Beginning Loan Balance (Item 3(f)(5)) minus Reporting Period Ending Actual Balance (Item 3(f)(16)), that is not attributable to Actual Principal Collected (Item 3(f)(20)) or a Charged-off Principal Amount (Item 3(i)(1)). A response that is a negative number for this item indicates an increase to the principal balance of the receivable during the reporting period.",
    "reportingPeriodScheduledPaymentAmount": "Item 3(f)(17) Reporting Period Scheduled Payment Amount - This item is reflects the total payment amount due from the obligor during the reporting period, including the Scheduled Interest Amount (Item 3(f)(13)), Scheduled Principal Amount (Item 3(f)(14)) and any other fees assessed to the obligor. Because this amount reflects any other fees due during the reporting period, the amount reflected in this item may be greater than the sum of the Scheduled Interest Amount (Item 3(f)(13)) and the Scheduled Principal Amount (Item 3(f)(14)).",
    "totalActualAmountPaid": "Item 3(f)(18) Total Actual Amount Paid - This item represents amounts paid by the obligor or from any other source actually paid to the servicer during the reporting period, less any reversals of payments (including, for example, returns of check payments for non-sufficient funds). If reversals of payments posted during the reporting period exceed amounts paid during the period, this item is reported as zero.",
    "actualInterestCollectedAmount": "Item 3(f)(19) Actual Interest Collected - This item represents amounts received as interest by the servicer during the reporting period, less any reversals of interest amounts (including, for example, amounts related to returns of check payments for non-sufficient funds). If reversals of interest amounts posted during the reporting period exceed amounts received as interest during the period, this item is reported as zero.",
    "actualPrincipalCollectedAmount": "Item 3(f)(20) Actual Principal Collected - This item represents amounts received as principal by the servicer during the reporting period, less any reversals of principal amounts (including, for example, amounts related to returns of check payments for non-sufficient funds). If reversals of principal amounts posted during the reporting period exceed amounts received as principal during the period, this item is reported as zero.",
    "actualOtherCollectedAmount": "Item 3(f)(21) Actual Other Amounts Collected - This item represents amounts received by the servicer during the period that are not interest or principal payments, less any reversals of such amounts (including, for example, returns of check payments for non-sufficient funds). Amounts reflected in this item generally comprise fees or charges that NMAC, as servicer, is entitled to retain as Supplemental Servicing Fees, including late charges, non-sufficient fund (NSF) charges and title fees in connection with repossession. If reversals of other amounts posted during the reporting period exceed such other amounts received during the period, this item is reported as zero.",
    "interestPaidThroughDate": "Item 3(f)(23) Interest Paid Through Date - This item represents the posting date of the obligor`s last payment that reduced the principal balance of the receivable. If no payments have reduced the principal balance of the receivable from its Original Loan Amount (Item 3(c)(3)), this item will be reported as the Origination Date (Item 3(c)(2)).",
    "currentDelinquencyStatus": "Item 3(f)(25) Current Delinquency Status - This item represents the number of days that the related receivable is contractually past due. NMAC considers a receivable to be past due when the obligor fails to make at least 80% of a payment by the due date and delinquent when 20% or more of a scheduled payment is past due for 15 days. While NMAC`s generally policy is to charge off the receivable when it becomes 120 days past due, in certain limited circumstances, NMAC wait beyond the 120th day past due to charge off the receivable as described under \"The Receivables-Servicing of the Receivables\" in the prospectus.",
    "chargedoffPrincipalAmount": "Item 3(i)(1) Charged-off Principal Amount - This item represents the amount of uncollected principal charged off during the reporting period.",
    "recoveredAmount": "Item 3(i)(2) Amounts Recovered - This item represents any amounts collected by the servicer with respect to a receivable that has previously been reflected as charged off under Charged Off Principal Amount (Item 3(i)(1)).",
    "modificationTypeCode": "Item 3(j)(1) Modification Type - A response of \"98\" for this item means the monthly payment due on the related receivable was reduced without reducing the principal balance of such receivable by extending the maturity of such receivable.",
    "repossessedIndicator": "Item 3(k) Repossessed - This item will only reflect a response of \"TRUE\" in the period in which the repossession occurs.",
    "repossessedProceedsAmount": "Item 3(k)(1) Repossession Proceeds - Sales proceeds with respect to a repossessed Financed Vehicle will only be reported under this item if the Financed Vehicle is sold in the same reporting period in which the repossession occurs. In all other cases, proceeds of a repossession sale will be reflected as a Recovered Amount (Item 3(i)(2))."
   },
   "codebook_fields": 45
  },
  {
   "trust": "CAPITAL ONE PRIME AUTO RECEIVABLES TRUST",
   "pool": "Capital One Prime Auto Receivables Trust 2023-1",
   "filed": "2026-08-17",
   "cik": "1951264",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1951264/000119312526353456/copart231ex102_0814-1804.xml",
   "records_seen": 58582,
   "loans_sampled": 2929,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "CONA",
     2929
    ]
   ],
   "credit_score": {
    "p5": 710.0,
    "p25": 745.0,
    "median": 781.0,
    "p75": 810.0,
    "p95": 838.0,
    "min": 700.0
   },
   "term_months": {
    "p5": 49.0,
    "p25": 61.0,
    "median": 73.0,
    "p75": 73.0,
    "p95": 76.0,
    "min": 25.0
   },
   "payment_to_income_pct": {
    "p5": 1.8,
    "p25": 3.8,
    "median": 5.7,
    "p75": 8.3,
    "p95": 13.4,
    "min": 0.0
   },
   "pti_filed_as": "percent",
   "apr_pct": {
    "p5": 2.0,
    "p25": 3.0,
    "median": 4.0,
    "p75": 4.8,
    "p95": 6.1,
    "min": 1.0
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.0,
   "ltv_pct": {
    "p5": 47.9,
    "p25": 73.8,
    "median": 90.1,
    "p75": 105.6,
    "p95": 126.2,
    "min": 16.3
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     1923
    ],
    [
     "1",
     1006
    ]
   ],
   "used_vehicle_pct": 65.6,
   "by_fico_band": [
    {
     "band": "prime",
     "range": "661-780",
     "n": 1459,
     "share_pct": 49.8,
     "apr_median": 4.2,
     "apr_p25": 3.2,
     "apr_p75": 5.0,
     "pti_median": 5.8,
     "term_median": 73.0,
     "ltv_median": 93.2,
     "used_pct": 69.6
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 1470,
     "share_pct": 50.2,
     "apr_median": 3.6,
     "apr_p25": 2.7,
     "apr_p75": 4.5,
     "pti_median": 5.7,
     "term_median": 73.0,
     "ltv_median": 86.7,
     "used_pct": 61.5
    }
   ],
   "top_states": [
    [
     "TX",
     359
    ],
    [
     "CA",
     357
    ],
    [
     "FL",
     260
    ],
    [
     "IL",
     148
    ],
    [
     "NJ",
     145
    ],
    [
     "NY",
     134
    ],
    [
     "GA",
     107
    ],
    [
     "NC",
     101
    ],
    [
     "OH",
     98
    ],
    [
     "TN",
     88
    ]
   ],
   "states_present": 51,
   "co_obligor_pct": 27.1,
   "vehicle_model_year": {
    "p5": 2015.0,
    "p25": 2018.0,
    "median": 2019.0,
    "p75": 2022.0,
    "p95": 2022.0,
    "min": 2010.0
   },
   "income_verification_codes": [
    [
     "2",
     2909
    ],
    [
     "3",
     20
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     2929
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {
    "assetTypeNumber": "Item 3(a)(1) Asset Number Type - Throughout the Asset Data File and in this Asset Related Document, \"CONA\" refers to Capital One, National Association, the Sponsor and Servicer of this securitization transaction.",
    "assetNumber": "Item 3(a)(2) Asset Number - The asset number reflected on the Asset Data File is the unique identifying number that CONA, as Servicer, maintains for each receivable.",
    "originatorName": "Item 3(c)(1) Originator - As described in the prospectus under \"The Originator\", CONA is the originator of all of the receivables in this transaction.",
    "originationDate": "Item 3(c)(2) Origination Date - The date specified in this field represents the funding date.",
    "originalLoanTerm": "Item 3(c)(4) Original loan term - The number in this field is calculated as the number of months from but excluding the Origination Date (Item 3(c)(2)) to and including the original maturity date, and then rounded up (if the number of months is not a whole number) to the next month. The \"original loan term\" specified in this field may differ from the original term as disclosed in the prospectus and may be different than the number of monthly payments to be paid by the related obligor, each of which calculates the term as the number of contractually required monthly payments to be paid by the related obligor.",
    "loanMaturityDate": "Item 3(c)(5) Loan maturity date - The date specified in this field represents the current final maturity date of the related receivable after giving effect to any payment extensions and due date changes.",
    "originalInterestRatePercentage": "Item 3(c)(6) Original interest rate - The interest rate specified in this field is the interest rate specified on the related contract and does not reflect any decreases in the original interest rate made at the discretion of the originator after review of the original interest rate.",
    "originalInterestOnlyTermNumber": "Item 3(c)(9) Original interest-only term - This item is inapplicable because no receivables in this transaction feature an interest-only period.",
    "originalFirstPaymentDate": "Item 3(c)(10) Original first payment date - This item reflects the original first payment due date for the loan without taking into account due date changes.",
    "underwritingIndicator": "Item 3(c)(11) Underwriting indicator - As discussed under \"The Originator - Underwriting\" in the prospectus, CONA's set of established underwriting policies and use of its automated system are intended to provide a consistent basis for credit decisions, but do not completely supersede all judgmental aspects of the credit decisioning process. CONA has limited ability to approve a credit application that does not otherwise qualify for an approval under the underwriting criteria. The response for this field is \"TRUE\" for all of the receivables because none of the receivables were approved as an exception to CONA's underwriting criteria as applied by CONA's automated system.",
    "gracePeriodNumber": "Item 3(c)(12) Grace period - This item represents the number of months from and including the Origination Date (Item 3(c)(2)) to but excluding the Original First Payment Date (Item 3(c)(10)). For purposes of this item, a partial month is counted as one month.",
    "subvented": "Item 3(c)(14) Subvented - None of the receivables include subvention in the form of lower interest rates. CONA does not consider a cash rebate to the obligor from the manufacturer of the related financed vehicle as a form of subvention on the receivable because the payment of the cash rebate is unrelated to the underwriting and origination of the receivable.",
    "vehicleManufacturerName": "Item 3(d)(1) Vehicle manufacturer - This item represents the vehicle manufacturer of the financed vehicle, as reflected on the original contract. All manufacturer names are truncated after 8 characters.",
    "vehicleModelName": "Item 3(d)(2) Vehicle model - This item represents the vehicle model of the financed vehicle, as reflected on the original contract. All vehicle models are truncated after 12 characters.",
    "vehicleNewUsedCode": "Item 3(d)(3) New or used - This item represents the new or used classification of the financed vehicle, as reflected on the original contract.",
    "vehicleTypeCode": "Item 3(d)(5) Vehicle type - This item represents CONA's determination and may be considered a different vehicle type by the vehicle manufacturer and others. A response of \"98\" for this item means the vehicle type is not a car, truck, SUV or motorcycle (for example, minivans or other vans).",
    "vehicleValueSourceCode": "Item 3(d)(7) Source of vehicle value - A response of \"98\" for this item means that the source of the vehicle value is a third-party valuation guide such as Kelley Blue Book or the National Automobile Dealers Association Guide.",
    "obligorCreditScoreType": "Item 3(e)(1) Obligor credit score type - A response of \"FICO\" for this item indicates a FICO(R) credit score obtained by CONA at origination of the receivable from a national consumer credit reporting company. FICO(R) is a federally registered servicemark of Fair Isaac Corporation.",
    "obligorCreditScore": "Item 3(e)(2) Obligor credit score - If a receivable has more than one obligor, then CONA applies a proprietary methodology when determining which obligor's credit score will be used in connection with the underwriting process or, in the alternative, whether an average of the obligors' credit scores will be used. This item reflects the credit score (including, if applicable, the average credit score) used by CONA to evaluate the application and to underwrite the related contract.",
    "obligorIncomeVerificationLevelCode": "Item 3(e)(3) Obligor income verification level - A response of \"3\" for this item means that CONA verified obligor income, but CONA is not able to confirm whether the verification level should be \"3\", \"4\" or \"5\" without a physical review of the receivable file and, in many circumstances, the receivable file may not document that information. As a result, all receivables for which CONA verified obligor income will reflect a response of \"3\" for this item regardless of the level of income verification performed with respect to that receivable.",
    "paymentToIncomePercentage": "Item 3(e)(6) Payment-to-income ratio - This item is calculated as the ratio of the scheduled monthly payment under the receivable as of the Origination Date (Item 3(c)(2)), as indicated on the related contract, to the gross monthly income used by CONA to evaluate the application and to underwrite the related contract. If a receivable has more than one obligor, then CONA applies a proprietary methodology when determining which obligor's stated income will be used in connection with the underwriting process or, in the alternative, whether the stated combined income of both obligors will be used.",
    "obligorGeographicLocation": "Item 3(e)(7) Geographic location of obligor - This item represents the obligor's current mailing address as of the Reporting Period End Date (Item 3(b)(2)) as set forth in the servicing records of CONA, as Servicer. Military postal codes may be used for obligors with a related military address.",
    "remainingTermToMaturityNumber": "Item 3(f)(2) Remaining term to maturity - The number in this field is calculated as the number of months from but excluding the month of the Reporting Period End Date (Item 3(b)(2)) to and including the Loan Maturity Date (Item 3(c)(5)), and then rounded up (if the number of months is not a whole number) to the next month. The remaining term to maturity specified in this field may be different than the number of remaining contractually required monthly payments to be paid by the related obligor.",
    "reportingPeriodModificationIndicator": "Item 3(f)(3) Modification indicator-reporting period - This item will be reported as \"True\" if a modification was made during the reporting period unless such modification is ministerial in nature, such as a due date change that does not change the Loan Maturity Date (Item 3(c)(5)) by 30 or more days. Otherwise, this item will be reported as \"False\".",
    "reportingPeriodBeginningLoanBalanceAmount": "Item 3(f)(5) Reporting period beginning loan balance - This item will be reported as 0.00 if the receivable is charged-off but future recoveries are possible.",
    "nextReportingPeriodPaymentAmountDue": "Item 3(f)(6) Next reporting period payment amount due - This item represents the total amount of interest and principal that would need to be paid during the next reporting period in order for the receivable to be current as of the end of such period. This amount does not include any Supplemental Servicing Fees and Reimbursements, as described in the prospectus under \"The Transfer Agreements, the Servicing Agreement, the Administration Agreement and the Asset Representations Review Agreement - Servicing Compensation and Expenses\", assessed by the Servicer. The response to this item will be 0.00 if the receivable has been charged-off or repurchased.",
    "reportingPeriodInterestRatePercentage": "Item 3(f)(7) Reporting period interest rate - This item represents the interest rate on the receivable at the Reporting Period Begin Date (Item 3(b)(1)).",
    "nextInterestRatePercentage": "Item 3(f)(8) Next interest rate - This item represents the interest rate on the receivable at the Reporting Period End Date (Item 3(b)(2)).",
    "servicingFlatFeeAmount": "Item 3(f)(10) Servicing fee - flat-fee - This item is omitted as it is inapplicable to this transaction.",
    "otherServicerFeeRetainedByServicer": "Item 3(f)(11) Other loan-level servicing fee(s) retained by servicer - Supplemental Servicing Fees and Reimbursements, as described in the prospectus under \"The Transfer Agreements, the Servicing Agreement, the Administration Agreement and the Asset Representations Review Agreement - Servicing Compensation and Expenses\", do not constitute collections and are not included in this item. This item is omitted as it is inapplicable to this transaction.",
    "otherAssessedUncollectedServicerFeeAmount": "Item 3(f)(12) Other assessed but uncollected servicer fees - Amounts in this item reflect other fees or charges assessed to the obligor but uncollected during the reporting period. These amounts comprise fees or charges that CONA, as Servicer, is entitled to retain as Supplemental Servicing Fees and Reimbursements, as described in the prospectus under \"The Transfer Agreements, the Servicing Agreement, the Administration Agreement and the Asset Representations Review Agreement - Servicing Compensation and Expenses\".",
    "scheduledInterestAmount": "Item 3(f)(13) Scheduled interest amount - This item represents the monthly interest amount due during the reporting period calculated by multiplying (a) the Reporting Period Beginning Loan Balance (Item 3(f)(5)), (b) the actual number of days in the Reporting Period divided by 365 and (c) the Reporting Period Interest Rate (Item 3(f)(7)). This item reflects only interest for a single reporting period even if the obligor owes accrued and unpaid interest from previous reporting periods. The response to this item will be 0.00 if the receivable has been charged-off or repurchased.",
    "scheduledPrincipalAmount": "Item 3(f)(14) Scheduled principal amount - This item represents the monthly principal amount due during the reporting period calculated as the excess of the obligor's monthly payment due during the reporting period (without taking into account any fees assessed to the obligor) over the Scheduled Interest Amount (Item 3(f)(13)). The response to this item will be 0.00 if the receivable has been charged-off or repurchased.",
    "otherPrincipalAdjustmentAmount": "Item 3(f)(15) Other principal adjustments - This item reflects any difference between the Reporting Period Beginning Loan Balance (Item 3(f)(5)) and the Reporting Period Ending Actual Balance (Item 3(f)(16)) that is not attributable to Actual Principal Collected (Item 3(f)(20)) or a Charged-off Principal Amount (Item 3(i)(1)). A response that is a negative number for this item indicates an increase to the principal balance of the receivable during the reporting period, for example, due to the reversal, adjustment or correction of a payment applied on the receivable in a previous reporting period.",
    "reportingPeriodActualEndBalanceAmount": "Item 3(f)(16) Reporting period ending actual balance - The response to this item will be 0.00 if the receivable has been charged-off or repurchased on or before the Reporting Period End Date (Item 3(b)(2)).",
    "reportingPeriodScheduledPaymentAmount": "Item 3(f)(17) Reporting period scheduled payment amount - This item reflects the total payment amount due from the obligor during the current reporting period, including the Scheduled Interest Amount (Item 3(f)(13)), Scheduled Principal Amount (Item 3(f)(14)) and Other Assessed but Uncollected Servicer Fees (Item 3(f)(12) for the previous reporting period). The response to this item will be 0.00 if the receivable has been charged-off or repurchased in a prior reporting period.",
    "totalActualAmountPaid": "Item 3(f)(18) Total actual amount paid - The response to this item will be 0.00 if reversals, adjustments or corrections of previous payments exceed amounts paid during the period.",
    "actualInterestCollectedAmount": "Item 3(f)(19) Actual interest collected - This item represents amounts received by the Servicer and allocable to interest during the reporting period. Accrued interest paid to the issuing entity due to the repurchase of receivables or reflected in Amounts Recovered (Item 3(i)(2)) or Repossession Proceeds (Item 3(k)(1)) will not be reflected in this field. If reversals of interest amounts posted during the reporting period exceed amounts paid as interest during the period, this item is reported as 0.00.",
    "actualPrincipalCollectedAmount": "Item 3(f)(20) Actual principal collected - This item represents amounts received by the Servicer and allocable to principal during the reporting period. Principal paid to the issuing entity due to the repurchase of receivables or reflected in Amounts Recovered (Item 3(i)(2)) or Repossession Proceeds (Item 3(k)(1)) will not be reflected in this field. If reversals of principal amounts posted during the reporting period exceed amounts paid as principal during the period, this item is reported as 0.00.",
    "actualOtherCollectedAmount": "Item 3(f)(21) Actual other amounts collected - This item represents amounts received by the Servicer during the period that are not Actual Interest Collected (Item (3)(f)(19)) or Actual Principal Collected (Item 3(f)(20)). Amounts included in this item generally comprise Supplemental Servicing Fees and Reimbursements, as described in the prospectus under \"The Transfer Agreements, the Servicing Agreement, the Administration Agreement and the Asset Representations Review Agreement -Servicing Compensation and Expenses\".",
    "servicerAdvancedAmount": "Item 3(f)(22) Servicer advanced amount - This item is omitted as inapplicable to this transaction.",
    "interestPaidThroughDate": "Item 3(f)(23) Interest paid through date - Interest paid through date is the date on which the last payment was applied to a receivable and an allocation was made to interest owed. This date may not be in the reporting period if a payment is not received in the reporting period or if the receivable is paid ahead. In rare instances, such as when an obligor makes a payment significantly less than the amount due that does not pay all of the interest accrued, the last payment date is not the date through which interest is paid in full.",
    "zeroBalanceEffectiveDate": "Item 3(f)(24)(i) Zero balance effective date - This item will be omitted for a receivable that is active on the last day of the Reporting Period End Date (Item 3(b)(2)) and will be reported for and after the first reporting period during which a receivable has a zero balance as a result of a charge-off, repurchase or payment in full.",
    "currentDelinquencyStatus": "Item 3(f)(25) Current delinquency status - CONA considers a receivable delinquent when an obligor fails to pay $10 or more of the entire contractual monthly payment amount by the due date, as described under \"The Receivables Pool - Delinquency Experience Regarding the Pool of Receivables\" in the prospectus.",
    "mostRecentServicingTransferReceivedDate": "Item 3(g)(2) Most recent servicing transfer received date - This item is omitted because the Servicer has continuously serviced each of the receivables since the related Origination Date (Item 3(c)(2)) and no servicing transfer has occurred.",
    "assetSubjectDemandIndicator": "Item 3(h) Asset subject to demand - A \"True\" value for this item indicates a receivable is subject to a third party repurchase demand. Otherwise, this item will be reported as \"False\".",
    "chargedoffPrincipalAmount": "Item 3(i)(1) Charged-off principal amount - This item represents the amount of uncollected principal charged off during the reporting period.",
    "recoveredAmount": "Item 3(i)(2) Amounts recovered - This item represents any amounts collected by the Servicer during the reporting period with respect to a receivable that has previously been reflected as charged off under Charged-off Principal Amount (Item 3(i)(1)), including disposition proceeds from repossessed vehicles, but excluding Supplemental Servicing Fees and Reimbursements (which are payable to the Servicer, as described in the prospectus under \"The Transfer Agreements, the Servicing Agreement, the Administration Agreement and the Asset Representations Review Agreement - Servicing Compensation and Expenses\"). Any recoveries will appear as negative numbers (reflecting a decrease in the charged-off amount) and any reversals of recoveries will appear as positive numbers (reflecting an increase in the charged-off amount).",
    "modificationTypeCode": "Item 3(j)(1) Modification type - For a receivable modified in connection with the Servicemembers Civil Relief Act, a value of \"1\" (APR) is used for this item. A reported value of \"3\" for this item indicates that the obligor was delinquent at the time of a term modification, while a reported value of \"4\" for this item indicates a payment extension granted to an obligor that was not delinquent at such time (for example, after a hurricane or other natural disaster). Payment due date changes of less than 30 days will not be identified as a modification in this field. A reported value of \"98\" indicates that the Servicer modified more than one attribute of the receivable (for example, both APR and term).",
    "paymentExtendedNumber": "Item 3(j)(2) Payment extension - This field is omitted unless Modification Type (Item 3(j)(1)) has a value of \"4\".",
    "repossessedIndicator": "Item 3(k) Repossessed - A \"True\" value in this item indicates a vehicle has been repossessed during the current or a prior reporting period and has not been reinstated by the Reporting Period End Date (Item 3(b)(2)).",
    "repossessedProceedsAmount": "Item 3(k)(1) Repossession proceeds - The item reflects the disposition proceeds from the sale of a repossessed vehicle, net of auction, painting, repair or refurbishment expenses and any payments required by law to be remitted to the obligor. As described in the prospectus under \"The Transfer Agreements, the Servicing Agreement, the Administration Agreement and the Asset Representations Review Agreement - Servicing Compensation and Expenses\", repossession fees and expenses, legal fees and similar costs and expenses incurred in connection with the repossession and disposition of a repossessed vehicle are not deducted from disposition proceeds and are therefore not reflected in this item."
   },
   "codebook_fields": 52
  },
  {
   "trust": "CAPITAL ONE AUTO RECEIVABLES LLC",
   "pool": "Capital One Auto Receivables LLC",
   "filed": "2026-07-15",
   "cik": "1133438",
   "source_url": "https://www.sec.gov/Archives/edgar/data/1133438/000119312526304234/copart231ex102_0714-1719.xml",
   "records_seen": 58582,
   "loans_sampled": 2929,
   "keep_every": 20,
   "sampling": "systematic",
   "originators": [
    [
     "CONA",
     2929
    ]
   ],
   "credit_score": {
    "p5": 711.0,
    "p25": 745.0,
    "median": 782.0,
    "p75": 812.0,
    "p95": 839.0,
    "min": 700.0
   },
   "term_months": {
    "p5": 49.0,
    "p25": 61.0,
    "median": 73.0,
    "p75": 73.0,
    "p95": 76.0,
    "min": 24.0
   },
   "payment_to_income_pct": {
    "p5": 1.8,
    "p25": 3.7,
    "median": 5.8,
    "p75": 8.3,
    "p95": 13.6,
    "min": 0.1
   },
   "pti_filed_as": "percent",
   "apr_pct": {
    "p5": 2.0,
    "p25": 2.9,
    "median": 4.0,
    "p75": 4.9,
    "p95": 6.3,
    "min": 1.4
   },
   "apr_filed_as": "decimal",
   "zero_apr_pct": 0.0,
   "ltv_pct": {
    "p5": 48.3,
    "p25": 73.2,
    "median": 90.7,
    "p75": 106.3,
    "p95": 128.4,
    "min": 13.7
   },
   "ltv_comparable": false,
   "vehicle_value_source_codes": [
    [
     "98",
     1934
    ],
    [
     "1",
     995
    ]
   ],
   "used_vehicle_pct": 65.9,
   "by_fico_band": [
    {
     "band": "prime",
     "range": "661-780",
     "n": 1423,
     "share_pct": 48.6,
     "apr_median": 4.2,
     "apr_p25": 3.2,
     "apr_p75": 5.2,
     "pti_median": 5.8,
     "term_median": 73.0,
     "ltv_median": 94.1,
     "used_pct": 69.5
    },
    {
     "band": "super_prime",
     "range": "781-900",
     "n": 1506,
     "share_pct": 51.4,
     "apr_median": 3.7,
     "apr_p25": 2.8,
     "apr_p75": 4.5,
     "pti_median": 5.8,
     "term_median": 73.0,
     "ltv_median": 86.4,
     "used_pct": 62.5
    }
   ],
   "top_states": [
    [
     "TX",
     377
    ],
    [
     "CA",
     374
    ],
    [
     "FL",
     250
    ],
    [
     "NJ",
     160
    ],
    [
     "NY",
     153
    ],
    [
     "IL",
     132
    ],
    [
     "GA",
     119
    ],
    [
     "MO",
     99
    ],
    [
     "NC",
     95
    ],
    [
     "LA",
     91
    ]
   ],
   "states_present": 50,
   "co_obligor_pct": 26.9,
   "vehicle_model_year": {
    "p5": 2015.0,
    "p25": 2018.0,
    "median": 2019.0,
    "p75": 2022.0,
    "p95": 2022.0,
    "min": 2010.0
   },
   "income_verification_codes": [
    [
     "2",
     2914
    ],
    [
     "3",
     15
    ]
   ],
   "employment_verification_codes": [
    [
     "2",
     2929
    ]
   ],
   "code_mapping": "raw Schedule AL codes; meanings NOT asserted",
   "filer_codebook": {
    "assetTypeNumber": "Item 3(a)(1) Asset Number Type - Throughout the Asset Data File and in this Asset Related Document, \"CONA\" refers to Capital One, National Association, the Sponsor and Servicer of this securitization transaction.",
    "assetNumber": "Item 3(a)(2) Asset Number - The asset number reflected on the Asset Data File is the unique identifying number that CONA, as Servicer, maintains for each receivable.",
    "originatorName": "Item 3(c)(1) Originator - As described in the prospectus under \"The Originator\", CONA is the originator of all of the receivables in this transaction.",
    "originationDate": "Item 3(c)(2) Origination Date - The date specified in this field represents the funding date.",
    "originalLoanTerm": "Item 3(c)(4) Original loan term - The number in this field is calculated as the number of months from but excluding the Origination Date (Item 3(c)(2)) to and including the original maturity date, and then rounded up (if the number of months is not a whole number) to the next month. The \"original loan term\" specified in this field may differ from the original term as disclosed in the prospectus and may be different than the number of monthly payments to be paid by the related obligor, each of which calculates the term as the number of contractually required monthly payments to be paid by the related obligor.",
    "loanMaturityDate": "Item 3(c)(5) Loan maturity date - The date specified in this field represents the current final maturity date of the related receivable after giving effect to any payment extensions and due date changes.",
    "originalInterestRatePercentage": "Item 3(c)(6) Original interest rate - The interest rate specified in this field is the interest rate specified on the related contract and does not reflect any decreases in the original interest rate made at the discretion of the originator after review of the original interest rate.",
    "originalInterestOnlyTermNumber": "Item 3(c)(9) Original interest-only term - This item is inapplicable because no receivables in this transaction feature an interest-only period.",
    "originalFirstPaymentDate": "Item 3(c)(10) Original first payment date - This item reflects the original first payment due date for the loan without taking into account due date changes.",
    "underwritingIndicator": "Item 3(c)(11) Underwriting indicator - As discussed under \"The Originator - Underwriting\" in the prospectus, CONA's set of established underwriting policies and use of its automated system are intended to provide a consistent basis for credit decisions, but do not completely supersede all judgmental aspects of the credit decisioning process. CONA has limited ability to approve a credit application that does not otherwise qualify for an approval under the underwriting criteria. The response for this field is \"TRUE\" for all of the receivables because none of the receivables were approved as an exception to CONA's underwriting criteria as applied by CONA's automated system.",
    "gracePeriodNumber": "Item 3(c)(12) Grace period - This item represents the number of months from and including the Origination Date (Item 3(c)(2)) to but excluding the Original First Payment Date (Item 3(c)(10)). For purposes of this item, a partial month is counted as one month.",
    "subvented": "Item 3(c)(14) Subvented - None of the receivables include subvention in the form of lower interest rates. CONA does not consider a cash rebate to the obligor from the manufacturer of the related financed vehicle as a form of subvention on the receivable because the payment of the cash rebate is unrelated to the underwriting and origination of the receivable.",
    "vehicleManufacturerName": "Item 3(d)(1) Vehicle manufacturer - This item represents the vehicle manufacturer of the financed vehicle, as reflected on the original contract. All manufacturer names are truncated after 8 characters.",
    "vehicleModelName": "Item 3(d)(2) Vehicle model - This item represents the vehicle model of the financed vehicle, as reflected on the original contract. All vehicle models are truncated after 12 characters.",
    "vehicleNewUsedCode": "Item 3(d)(3) New or used - This item represents the new or used classification of the financed vehicle, as reflected on the original contract.",
    "vehicleTypeCode": "Item 3(d)(5) Vehicle type - This item represents CONA's determination and may be considered a different vehicle type by the vehicle manufacturer and others. A response of \"98\" for this item means the vehicle type is not a car, truck, SUV or motorcycle (for example, minivans or other vans).",
    "vehicleValueSourceCode": "Item 3(d)(7) Source of vehicle value - A response of \"98\" for this item means that the source of the vehicle value is a third-party valuation guide such as Kelley Blue Book or the National Automobile Dealers Association Guide.",
    "obligorCreditScoreType": "Item 3(e)(1) Obligor credit score type - A response of \"FICO\" for this item indicates a FICO(R) credit score obtained by CONA at origination of the receivable from a national consumer credit reporting company. FICO(R) is a federally registered servicemark of Fair Isaac Corporation.",
    "obligorCreditScore": "Item 3(e)(2) Obligor credit score - If a receivable has more than one obligor, then CONA applies a proprietary methodology when determining which obligor's credit score will be used in connection with the underwriting process or, in the alternative, whether an average of the obligors' credit scores will be used. This item reflects the credit score (including, if applicable, the average credit score) used by CONA to evaluate the application and to underwrite the related contract.",
    "obligorIncomeVerificationLevelCode": "Item 3(e)(3) Obligor income verification level - A response of \"3\" for this item means that CONA verified obligor income, but CONA is not able to confirm whether the verification level should be \"3\", \"4\" or \"5\" without a physical review of the receivable file and, in many circumstances, the receivable file may not document that information. As a result, all receivables for which CONA verified obligor income will reflect a response of \"3\" for this item regardless of the level of income verification performed with respect to that receivable.",
    "paymentToIncomePercentage": "Item 3(e)(6) Payment-to-income ratio - This item is calculated as the ratio of the scheduled monthly payment under the receivable as of the Origination Date (Item 3(c)(2)), as indicated on the related contract, to the gross monthly income used by CONA to evaluate the application and to underwrite the related contract. If a receivable has more than one obligor, then CONA applies a proprietary methodology when determining which obligor's stated income will be used in connection with the underwriting process or, in the alternative, whether the stated combined income of both obligors will be used.",
    "obligorGeographicLocation": "Item 3(e)(7) Geographic location of obligor - This item represents the obligor's current mailing address as of the Reporting Period End Date (Item 3(b)(2)) as set forth in the servicing records of CONA, as Servicer. Military postal codes may be used for obligors with a related military address.",
    "remainingTermToMaturityNumber": "Item 3(f)(2) Remaining term to maturity - The number in this field is calculated as the number of months from but excluding the month of the Reporting Period End Date (Item 3(b)(2)) to and including the Loan Maturity Date (Item 3(c)(5)), and then rounded up (if the number of months is not a whole number) to the next month. The remaining term to maturity specified in this field may be different than the number of remaining contractually required monthly payments to be paid by the related obligor.",
    "reportingPeriodModificationIndicator": "Item 3(f)(3) Modification indicator-reporting period - This item will be reported as \"True\" if a modification was made during the reporting period unless such modification is ministerial in nature, such as a due date change that does not change the Loan Maturity Date (Item 3(c)(5)) by 30 or more days. Otherwise, this item will be reported as \"False\".",
    "reportingPeriodBeginningLoanBalanceAmount": "Item 3(f)(5) Reporting period beginning loan balance - This item will be reported as 0.00 if the receivable is charged-off but future recoveries are possible.",
    "nextReportingPeriodPaymentAmountDue": "Item 3(f)(6) Next reporting period payment amount due - This item represents the total amount of interest and principal that would need to be paid during the next reporting period in order for the receivable to be current as of the end of such period. This amount does not include any Supplemental Servicing Fees and Reimbursements, as described in the prospectus under \"The Transfer Agreements, the Servicing Agreement, the Administration Agreement and the Asset Representations Review Agreement - Servicing Compensation and Expenses\", assessed by the Servicer. The response to this item will be 0.00 if the receivable has been charged-off or repurchased.",
    "reportingPeriodInterestRatePercentage": "Item 3(f)(7) Reporting period interest rate - This item represents the interest rate on the receivable at the Reporting Period Begin Date (Item 3(b)(1)).",
    "nextInterestRatePercentage": "Item 3(f)(8) Next interest rate - This item represents the interest rate on the receivable at the Reporting Period End Date (Item 3(b)(2)).",
    "servicingFlatFeeAmount": "Item 3(f)(10) Servicing fee - flat-fee - This item is omitted as it is inapplicable to this transaction.",
    "otherServicerFeeRetainedByServicer": "Item 3(f)(11) Other loan-level servicing fee(s) retained by servicer - Supplemental Servicing Fees and Reimbursements, as described in the prospectus under \"The Transfer Agreements, the Servicing Agreement, the Administration Agreement and the Asset Representations Review Agreement - Servicing Compensation and Expenses\", do not constitute collections and are not included in this item. This item is omitted as it is inapplicable to this transaction.",
    "otherAssessedUncollectedServicerFeeAmount": "Item 3(f)(12) Other assessed but uncollected servicer fees - Amounts in this item reflect other fees or charges assessed to the obligor but uncollected during the reporting period. These amounts comprise fees or charges that CONA, as Servicer, is entitled to retain as Supplemental Servicing Fees and Reimbursements, as described in the prospectus under \"The Transfer Agreements, the Servicing Agreement, the Administration Agreement and the Asset Representations Review Agreement - Servicing Compensation and Expenses\".",
    "scheduledInterestAmount": "Item 3(f)(13) Scheduled interest amount - This item represents the monthly interest amount due during the reporting period calculated by multiplying (a) the Reporting Period Beginning Loan Balance (Item 3(f)(5)), (b) the actual number of days in the Reporting Period divided by 365 and (c) the Reporting Period Interest Rate (Item 3(f)(7)). This item reflects only interest for a single reporting period even if the obligor owes accrued and unpaid interest from previous reporting periods. The response to this item will be 0.00 if the receivable has been charged-off or repurchased.",
    "scheduledPrincipalAmount": "Item 3(f)(14) Scheduled principal amount - This item represents the monthly principal amount due during the reporting period calculated as the excess of the obligor's monthly payment due during the reporting period (without taking into account any fees assessed to the obligor) over the Scheduled Interest Amount (Item 3(f)(13)). The response to this item will be 0.00 if the receivable has been charged-off or repurchased.",
    "otherPrincipalAdjustmentAmount": "Item 3(f)(15) Other principal adjustments - This item reflects any difference between the Reporting Period Beginning Loan Balance (Item 3(f)(5)) and the Reporting Period Ending Actual Balance (Item 3(f)(16)) that is not attributable to Actual Principal Collected (Item 3(f)(20)) or a Charged-off Principal Amount (Item 3(i)(1)). A response that is a negative number for this item indicates an increase to the principal balance of the receivable during the reporting period, for example, due to the reversal, adjustment or correction of a payment applied on the receivable in a previous reporting period.",
    "reportingPeriodActualEndBalanceAmount": "Item 3(f)(16) Reporting period ending actual balance - The response to this item will be 0.00 if the receivable has been charged-off or repurchased on or before the Reporting Period End Date (Item 3(b)(2)).",
    "reportingPeriodScheduledPaymentAmount": "Item 3(f)(17) Reporting period scheduled payment amount - This item reflects the total payment amount due from the obligor during the current reporting period, including the Scheduled Interest Amount (Item 3(f)(13)), Scheduled Principal Amount (Item 3(f)(14)) and Other Assessed but Uncollected Servicer Fees (Item 3(f)(12) for the previous reporting period). The response to this item will be 0.00 if the receivable has been charged-off or repurchased in a prior reporting period.",
    "totalActualAmountPaid": "Item 3(f)(18) Total actual amount paid - The response to this item will be 0.00 if reversals, adjustments or corrections of previous payments exceed amounts paid during the period.",
    "actualInterestCollectedAmount": "Item 3(f)(19) Actual interest collected - This item represents amounts received by the Servicer and allocable to interest during the reporting period. Accrued interest paid to the issuing entity due to the repurchase of receivables or reflected in Amounts Recovered (Item 3(i)(2)) or Repossession Proceeds (Item 3(k)(1)) will not be reflected in this field. If reversals of interest amounts posted during the reporting period exceed amounts paid as interest during the period, this item is reported as 0.00.",
    "actualPrincipalCollectedAmount": "Item 3(f)(20) Actual principal collected - This item represents amounts received by the Servicer and allocable to principal during the reporting period. Principal paid to the issuing entity due to the repurchase of receivables or reflected in Amounts Recovered (Item 3(i)(2)) or Repossession Proceeds (Item 3(k)(1)) will not be reflected in this field. If reversals of principal amounts posted during the reporting period exceed amounts paid as principal during the period, this item is reported as 0.00.",
    "actualOtherCollectedAmount": "Item 3(f)(21) Actual other amounts collected - This item represents amounts received by the Servicer during the period that are not Actual Interest Collected (Item (3)(f)(19)) or Actual Principal Collected (Item 3(f)(20)). Amounts included in this item generally comprise Supplemental Servicing Fees and Reimbursements, as described in the prospectus under \"The Transfer Agreements, the Servicing Agreement, the Administration Agreement and the Asset Representations Review Agreement -Servicing Compensation and Expenses\".",
    "servicerAdvancedAmount": "Item 3(f)(22) Servicer advanced amount - This item is omitted as inapplicable to this transaction.",
    "interestPaidThroughDate": "Item 3(f)(23) Interest paid through date - Interest paid through date is the date on which the last payment was applied to a receivable and an allocation was made to interest owed. This date may not be in the reporting period if a payment is not received in the reporting period or if the receivable is paid ahead. In rare instances, such as when an obligor makes a payment significantly less than the amount due that does not pay all of the interest accrued, the last payment date is not the date through which interest is paid in full.",
    "zeroBalanceEffectiveDate": "Item 3(f)(24)(i) Zero balance effective date - This item will be omitted for a receivable that is active on the last day of the Reporting Period End Date (Item 3(b)(2)) and will be reported for and after the first reporting period during which a receivable has a zero balance as a result of a charge-off, repurchase or payment in full.",
    "currentDelinquencyStatus": "Item 3(f)(25) Current delinquency status - CONA considers a receivable delinquent when an obligor fails to pay $10 or more of the entire contractual monthly payment amount by the due date, as described under \"The Receivables Pool - Delinquency Experience Regarding the Pool of Receivables\" in the prospectus.",
    "mostRecentServicingTransferReceivedDate": "Item 3(g)(2) Most recent servicing transfer received date - This item is omitted because the Servicer has continuously serviced each of the receivables since the related Origination Date (Item 3(c)(2)) and no servicing transfer has occurred.",
    "assetSubjectDemandIndicator": "Item 3(h) Asset subject to demand - A \"True\" value for this item indicates a receivable is subject to a third party repurchase demand. Otherwise, this item will be reported as \"False\".",
    "chargedoffPrincipalAmount": "Item 3(i)(1) Charged-off principal amount - This item represents the amount of uncollected principal charged off during the reporting period.",
    "recoveredAmount": "Item 3(i)(2) Amounts recovered - This item represents any amounts collected by the Servicer during the reporting period with respect to a receivable that has previously been reflected as charged off under Charged-off Principal Amount (Item 3(i)(1)), including disposition proceeds from repossessed vehicles, but excluding Supplemental Servicing Fees and Reimbursements (which are payable to the Servicer, as described in the prospectus under \"The Transfer Agreements, the Servicing Agreement, the Administration Agreement and the Asset Representations Review Agreement - Servicing Compensation and Expenses\"). Any recoveries will appear as negative numbers (reflecting a decrease in the charged-off amount) and any reversals of recoveries will appear as positive numbers (reflecting an increase in the charged-off amount).",
    "modificationTypeCode": "Item 3(j)(1) Modification type - For a receivable modified in connection with the Servicemembers Civil Relief Act, a value of \"1\" (APR) is used for this item. A reported value of \"3\" for this item indicates that the obligor was delinquent at the time of a term modification, while a reported value of \"4\" for this item indicates a payment extension granted to an obligor that was not delinquent at such time (for example, after a hurricane or other natural disaster). Payment due date changes of less than 30 days will not be identified as a modification in this field. A reported value of \"98\" indicates that the Servicer modified more than one attribute of the receivable (for example, both APR and term).",
    "paymentExtendedNumber": "Item 3(j)(2) Payment extension - This field is omitted unless Modification Type (Item 3(j)(1)) has a value of \"4\".",
    "repossessedIndicator": "Item 3(k) Repossessed - A \"True\" value in this item indicates a vehicle has been repossessed during the current or a prior reporting period and has not been reinstated by the Reporting Period End Date (Item 3(b)(2)).",
    "repossessedProceedsAmount": "Item 3(k)(1) Repossession proceeds - The item reflects the disposition proceeds from the sale of a repossessed vehicle, net of auction, painting, repair or refurbishment expenses and any payments required by law to be remitted to the obligor. As described in the prospectus under \"The Transfer Agreements, the Servicing Agreement, the Administration Agreement and the Asset Representations Review Agreement - Servicing Compensation and Expenses\", repossession fees and expenses, legal fees and similar costs and expenses incurred in connection with the repossession and disposition of a repossessed vehicle are not deducted from disposition proceeds and are therefore not reflected in this item."
   },
   "codebook_fields": 52
  }
 ]
}