Credit standards · Auto loan credit standards

FIFTH THIRD AUTO TRUST

Summary statistics computed from the Form ABS-EE asset-level file for this shelf, filed 2026-07-29. 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.

1,854 loans analysed, sampled systematically (every 20th record) from 37,084 records. CIK 1986424. Source filing.

Distributions

Measure5th25thMedian75th95th
Credit score674717763812857
APR3.5%4.9%5.9%6.8%8.7%
Payment-to-income2.1%4.5%6.9%9.7%14.5%
Term (months)6072737685
Loan-to-value96.1%140.3%179.6%220.6%275.0%
Vehicle model year20152018202020222022

LTV is not comparable across shelves for this filing: the vehicle value source is filer-specific (codes 98, 2, 3), and the code meanings are not asserted here.

By credit score band

BandRangeLoansShareMedian APR
near prime 601-660 32 1.7% 7.2%
prime 661-780 1,051 56.7% 6.1%
super prime 781-900 771 41.6% 5.2%

Pool composition

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 (2 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 40 codebook fields.

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.