Credit standards · Auto loan credit standards
BRIDGECREST AUTO FUNDING LLC
Summary statistics computed from the Form ABS-EE asset-level file for this shelf, filed 2026-08-17. Regulation AB II requires this loan-level data for registered public auto-loan securitizations, so every figure below is a statement about a named, dated SEC filing — not about a company.
1,380 loans analysed, sampled systematically (every 20th record) from 29,697 records. CIK 1974820. Source filing.
Distributions
| Measure | 5th | 25th | Median | 75th | 95th |
|---|---|---|---|---|---|
| Credit score | 446 | 502 | 551 | 602 | 692 |
| APR | 14.1% | 20.1% | 23.2% | 25.0% | 29.4% |
| Payment-to-income | 6.1% | 10.0% | 13.5% | 17.7% | 22.9% |
| Term (months) | 69 | 69 | 71 | 72 | 72 |
| Loan-to-value | 101.9% | 126.9% | 141.9% | 157.2% | 180.6% |
| Vehicle model year | 2014 | 2016 | 2017 | 2019 | 2021 |
LTV is not comparable across shelves for this filing: the vehicle value source is filer-specific (codes 98), and the code meanings are not asserted here.
By credit score band
| Band | Range | Loans | Share | Median APR |
|---|---|---|---|---|
| deep subprime | 300-500 | 331 | 24.0% | 23.5% |
| subprime | 501-600 | 691 | 50.1% | 23.6% |
| near prime | 601-660 | 224 | 16.2% | 22.1% |
| prime | 661-780 | 112 | 8.1% | 17.5% |
| super prime | 781-900 | 15 | 1.1% | 10.1% |
Pool composition
- Originators: BAC (1,338), GOFI (42)
- Used vehicles: 99.9%
- Co-obligor present: 18.6%
- Zero-APR loans: 0.0%
- States present: 38
- Top states: TX (207), FL (175), GA (145), CA (91), NC (87), TN (60), OH (58), AZ (50)
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.
Income and employment verification appear in the file only as raw Schedule AL codes (3 and 2). Their meanings are not asserted here — the filer's codebook is the only authority for what a code means, and this shelf published none.
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: how these figures are computed. Data generated 2026-08-25 from the filing above.