{"gen":"2026-09-06","definition":{"ever60":"share of a vintage's loans that had been 60+ days past due at least once by month m on book; denominator is loans observed to at least month m","roll":"share of loans that ever went 60+ which had charged off by month k after the first 60+ event; denominator is loans observed to at least k months after that event","vintage_jun":"trailing twelve months ending June, the published convention: 2025 = July 2024 to June 2025","vintage_cal":"calendar year of origination","below_prime":"obligor credit score 301 to 660 at origination","charge_off":"first month with charge-off principal reported or zero-balance code 4","thresholds":{"min_share_at_risk":0.4,"min_loans":200,"max_entry_mob":3},"entry":"only loans first observed within 3 months of origination are counted, because a loan that joins a tape later has an unobservable early history; the roll curve further requires the first 60+ event to occur on tape","caveat":"loans that paid off or charged off before the pool cutoff never appear on a tape, and a tape ends at the deal's clean-up call; both understate the edges of every tape-based curve, published ones included"},"trusts":["ALLYA-2022-1","ALLYA-2023-1","ALLYA-2024-1","ALLYA-2025-1","AMCAR-2021-1","AMCAR-2022-1","AMCAR-2023-1","AMCAR-2024-1","BLAST-2025-1","CARMX-2021-1","CARMX-2022-1","CARMX-2023-1","CARMX-2024-1","CARMX-2025-1","CRVNA-2021-P1","CRVNA-2022-P1","CRVNA-2024-P2","CRVNA-2025-P1","EART-2021-1","EART-2022-1","EART-2023-1","EART-2024-1","EART-2025-1","FORDO-2022-A","FORDO-2025-A","GMCAR-2022-1","GMCAR-2024-1","GMCAR-2025-1","HAROT-2022-1","HAROT-2025-1","HART-2022-A","HART-2025-A","NAROT-2022-A","SDART-2021-1","SDART-2022-1","SDART-2023-6","SDART-2024-1","SDART-2025-1","VALET-2025-1","WOART-2022-A","WOART-2024-A","WOART-2025-A","WOSAT-2023-A"],"loans":925245,"by_jun":{"all":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.24,0.69,1.21,1.86,2.53,3.34,4.15,4.99,5.88,6.67,7.54,8.34,9.24,9.94,10.56,11.3,12.05,12.8,13.48,14.06,14.69,15.4,16.02,16.61,17.06,17.38,17.55,17.81,18.26,18.71,19.02,19.31,19.54,19.99,20.28,20.47,20.55,20.64,20.67,20.9,21.09,21.28,21.41,21.57,21.59,21.69],"n":[167255,167255,167253,167013,166220,164966,163527,162106,160566,158893,157149,155543,153941,152150,150328,148711,147077,145473,143921,142538,141120,139819,138534,137317,136375,135542,134802,134160,133210,132056,130961,130240,129527,128648,127748,126807,126188,125200,124348,123447,122613,121721,121121,120446,119784,119076,118300,117311,116536],"loans":167255},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.35,0.98,1.82,2.73,3.61,4.5,5.43,6.33,7.24,8.17,9.06,9.85,10.54,11.16,11.72,12.35,13.06,13.74,14.33,14.87,15.4,15.99,16.45,16.64,16.77,16.97,17.26,17.56,17.8,17.98,18.13,18.35,18.41,18.58,18.82,19.02,19.11,19.17,19.32,19.58,19.89,20.14,20.21,18.71,16.74,15.74],"n":[239901,237316,226914,215343,208794,207788,206487,205061,203638,202384,201193,200112,199109,198187,197319,196509,195744,194874,193956,193124,192238,191291,190382,189526,188807,187866,186406,184960,183792,182943,181996,180982,179785,178601,177506,176054,174758,173252,172145,171014,169842,168811,168084,167447,166703,165493,156959,145789,137564],"loans":239901},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44],"v":[0.0,0.0,0.0,0.24,0.9,1.9,3.09,4.23,5.36,6.33,7.26,8.25,9.24,10.25,11.13,11.93,12.61,13.35,14.05,14.79,15.48,16.15,16.78,17.46,18.1,18.78,19.26,19.38,19.47,19.81,20.31,20.8,21.3,21.44,20.95,20.3,20.34,20.71,20.94,20.96,21.48,22.73,24.18,23.79,21.05],"n":[80621,80607,79839,78382,76894,76769,76592,76432,76225,76057,75858,75616,75422,75232,75007,74811,74561,74300,74002,73691,73393,73041,72676,72324,72001,71682,71252,70531,69796,69390,69049,68710,68360,67691,66498,65200,64452,64045,63619,63008,60515,56719,53072,48257,36979],"loans":80621},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,0.0,0.0,0.44,1.21,2.21,3.1,3.94,5.04,6.28,7.48,8.64,9.69,10.66,11.66,12.62,13.44,14.21,14.97,15.84,16.74,17.67,18.53,19.19,19.7,20.25,20.98,22.58,24.13,24.77,25.17,25.87,26.24,25.2],"n":[201139,201139,200763,200139,199432,198471,196667,194855,193365,192110,190824,189666,188405,187082,185704,184271,182755,181246,179526,177894,176417,174951,173414,171595,169517,167536,166038,156364,145789,139547,132462,126770,119427,86529],"loans":201139},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.25,0.78,1.63,2.65,3.73,4.93,6.13,7.29,8.51,9.66,10.84,12.19,13.46,14.42,15.22,16.92,18.86,19.87,19.17],"n":[234491,233728,232234,229394,227028,226366,225263,224026,222835,221664,220499,219441,218300,217116,212395,207927,206761,205377,191392,176869,154310,105215],"loans":234491},"2026":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12],"v":[0.0,0.0,0.0,0.0,0.0,0.05,0.16,0.22,0.22,0.27,0.38,0.44,0.45],"n":[1838,1838,1838,1838,1837,1837,1837,1837,1837,1837,1836,1836,1797],"loans":1838}},"roll":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[1.28,4.05,28.81,35.34,38.83,41.01,43.6,45.72,47.87,49.61,51.09,52.55,53.93,55.19,56.25,57.24,58.09,58.62,58.98,59.22,59.52,59.79,59.87,60.16,60.52,60.69,61.07,61.37,61.72,62.22,62.86,63.39,63.98],"n":[38090,37851,37191,36255,35604,35054,34540,34087,33597,33093,32575,32067,31540,30990,30388,29775,29207,28391,27470,26462,25528,24616,23574,22677,21819,20967,20120,19360,18606,17844,17146,16462,15649],"loans":38120},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28],"v":[1.6,4.77,35.3,43.26,47.3,49.97,52.47,54.73,56.58,58.07,59.3,60.46,61.41,62.38,63.3,64.11,64.88,65.2,65.23,65.16,65.06,64.78,64.73,64.64,65.13,65.49,65.81,66.09,66.4],"n":[49442,49026,48294,47106,46384,45817,45162,44513,43780,42940,42113,41194,40304,39306,38334,37317,36278,3498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,24,25,26,27,28,29,30,31,32,33,34],"v":[0.15,0.21,0.52,1.21,3.26,6.14,8.78,10.82,12.59,14.16,15.93,17.44,19.02,20.55,21.92,23.19,24.45,25.59,26.75,27.65,28.31,28.88,29.59,29.9,30.25,30.53,31.0,31.38,31.92,32.31,32.79,33.29,33.69,34.31,34.84],"n":[46451,46218,45871,45516,45176,44765,44399,43998,43487,42993,42494,41972,41453,40891,40252,39577,38938,38260,37561,36784,35900,34971,33922,32789,31649,30544,29380,28218,27120,26022,24833,23544,22297,21055,19771],"loans":46451},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29],"v":[0.1,0.16,0.58,1.65,3.63,6.7,9.38,11.38,13.09,14.73,16.09,17.7,19.24,20.79,22.13,23.35,24.44,25.52,26.49,27.23,28.02,28.64,29.2,29.58,29.85,29.65,29.11,28.97,28.95,29.7],"n":[23161,23004,22856,22729,22579,22388,22159,21901,21574,21285,20920,20615,20265,19882,19545,19156,18747,18349,17873,17297,16711,16077,15244,14538,13727,12852,12008,11196,10477,9903],"loans":23161},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19],"v":[0.06,0.11,0.41,1.3,3.06,5.71,8.19,10.28,12.15,14.04,15.9,17.51,19.1,20.63,21.92,23.05,23.78,24.35,25.0,25.64],"n":[45258,44531,43734,42996,42249,41367,40353,39197,37855,36669,35295,34006,32642,31100,29539,27941,26313,24644,22726,20202],"loans":45258},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10],"v":[0.06,0.19,0.59,1.91,4.32,7.49,10.52,12.93,15.41,17.48,19.84],"n":[43631,41807,40020,38365,36713,34960,32734,29839,26436,23346,19554],"loans":43631}},"meta":{"2021":{"loans":167255,"ever60":38120,"everext":37765,"trusts":["AMCAR-2021-1","CARMX-2021-1","CRVNA-2021-P1","EART-2021-1","SDART-2021-1"],"lenders":["CarMax","Carvana","Exeter","GM Financial (AmeriCredit)","Santander"]},"2022":{"loans":239901,"ever60":49444,"everext":46473,"trusts":["ALLYA-2022-1","AMCAR-2022-1","CARMX-2022-1","CRVNA-2022-P1","EART-2022-1","FORDO-2022-A","GMCAR-2022-1","HAROT-2022-1","HART-2022-A","NAROT-2022-A","SDART-2022-1","WOART-2022-A"],"lenders":["Ally","CarMax","Carvana","Exeter","Ford","GM Financial","GM Financial (AmeriCredit)","Honda","Hyundai","Nissan","Santander","World Omni"]},"2023":{"loans":80621,"ever60":20650,"everext":23167,"trusts":["ALLYA-2023-1","AMCAR-2023-1","CARMX-2023-1","EART-2023-1","WOSAT-2023-A"],"lenders":["Ally","CarMax","Exeter","GM Financial (AmeriCredit)","World Omni"]},"2024":{"loans":201139,"ever60":48657,"everext":45277,"trusts":["ALLYA-2024-1","AMCAR-2024-1","CARMX-2024-1","CRVNA-2024-P2","EART-2024-1","GMCAR-2024-1","SDART-2023-6","SDART-2024-1","WOART-2024-A"],"lenders":["Ally","CarMax","Carvana","Exeter","GM Financial","GM Financial (AmeriCredit)","Santander","World Omni"]},"2025":{"loans":234491,"ever60":39281,"everext":43688,"trusts":["ALLYA-2025-1","BLAST-2025-1","CARMX-2025-1","CRVNA-2025-P1","EART-2025-1","FORDO-2025-A","GMCAR-2025-1","HAROT-2025-1","HART-2025-A","SDART-2025-1","VALET-2025-1","WOART-2025-A"],"lenders":["Ally","Bridgecrest","CarMax","Carvana","Exeter","Ford","GM Financial","Honda","Hyundai","Santander","Volkswagen","World Omni"]},"2026":{"loans":1838,"ever60":8,"everext":23,"trusts":["ALLYA-2025-1"],"lenders":["Ally"]}},"reads":["At month 12 on book, the worst vintage on file is 2024 at 9.7% ever 60+ (9 trusts); the latest, 2026, sits at 0.5%, 9.2 points below it.","The 2026 vintage is below 2025 by 9.2 points at the same age (0.5% vs 9.7%), on 1,797 loans still observed at that month.","The two vintages first separate by a full point at month 5."]},"below_prime":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.31,0.9,1.59,2.45,3.35,4.43,5.52,6.65,7.86,8.93,10.11,11.22,12.45,13.43,14.33,15.4,16.47,17.56,18.55,19.4,20.33,21.36,22.26,23.11,23.77,24.3,24.63,25.07,25.74,26.41,26.87,27.32,27.7,28.37,28.84,29.16,29.32,29.49,29.59,29.94,30.29,30.59,30.84,31.16,31.23,31.44],"n":[106233,106233,106231,106136,105815,105094,104202,103127,101923,100633,99249,97995,96736,95339,93939,92683,91381,90129,88912,87825,86687,85653,84601,83616,82864,82203,81611,81104,80340,79413,78525,77935,77353,76637,75910,75151,74680,73951,73296,72566,71856,71108,70621,70077,69514,68924,68264,67421,66787],"loans":106233},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.62,1.73,3.22,4.8,6.36,7.9,9.52,11.09,12.69,14.3,15.83,17.23,18.42,19.48,20.45,21.53,22.75,23.92,24.92,25.88,26.79,27.82,28.62,29.02,29.28,29.64,30.17,30.73,31.18,31.51,31.82,32.28,32.44,32.8,33.19,33.54,33.72,33.88,34.18,34.65,35.2,35.67,35.84,34.26,31.7,30.37],"n":[126877,124660,116493,107396,102440,101845,101005,100049,99138,98341,97589,96937,96296,95754,95221,94773,94285,93755,93254,92719,92197,91594,91016,90516,90099,89511,88477,87430,86607,86045,85471,84763,83952,83125,82401,81366,80525,79807,79191,78400,77568,76864,76444,76076,75618,74740,68342,60802,55870],"loans":126877},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44],"v":[0.0,0.0,0.0,0.39,1.41,2.94,4.78,6.54,8.28,9.76,11.2,12.74,14.28,15.86,17.23,18.45,19.5,20.66,21.71,22.84,23.9,24.93,25.91,26.95,27.93,28.99,29.78,30.06,30.3,30.88,31.67,32.45,33.27,33.54,32.98,32.15,32.32,32.97,33.37,33.46,33.49,33.98,34.64,34.74,33.71],"n":[45072,45071,45055,44969,44826,44716,44549,44398,44205,44046,43861,43638,43456,43283,43112,42967,42783,42603,42397,42188,41977,41717,41457,41200,40961,40715,40370,39789,39183,38872,38613,38365,38104,37551,36520,35376,34768,34481,34142,33645,33102,32668,32211,28586,19533],"loans":45072},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[0.0,0.0,0.01,0.61,1.73,3.21,4.57,5.85,7.46,9.28,11.04,12.74,14.3,15.7,17.15,18.54,19.77,20.91,22.04,23.31,24.61,25.96,27.23,28.21,28.97,29.77,30.83,32.58,34.13,34.93,36.17,37.82,38.69],"n":[117930,117930,117668,117234,116749,116116,114807,113514,112495,111652,110770,110017,109169,108302,107368,106383,105335,104375,103282,102240,101387,100482,99516,98264,96775,95389,94435,90843,86576,83215,77179,72299,67624],"loans":117930},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.36,1.15,2.42,3.94,5.6,7.38,9.17,10.88,12.68,14.38,16.12,17.83,19.38,20.74,21.89,23.71,25.75,27.48,28.12],"n":[129486,129314,128916,128279,127662,127278,126706,125964,125284,124654,124014,123444,122803,122145,121393,120695,120024,119217,114357,108934,93831,60122],"loans":129486}},"roll":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[1.27,3.97,27.73,34.24,37.77,39.92,42.53,44.61,46.74,48.5,49.97,51.4,52.79,54.04,55.09,56.01,56.87,57.37,57.75,58.02,58.32,58.53,58.56,58.81,59.18,59.26,59.62,59.88,60.22,60.76,61.38,61.87,62.5,62.94],"n":[31816,31629,31115,30331,29779,29324,28896,28525,28123,27707,27296,26870,26438,25972,25493,24990,24524,23852,23089,22248,21458,20680,19798,19037,18342,17616,16911,16260,15634,15006,14427,13834,13149,12800],"loans":31842},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28],"v":[1.49,4.66,33.98,42.25,46.43,49.07,51.57,53.85,55.7,57.2,58.46,59.71,60.68,61.64,62.55,63.35,64.09,64.41,64.38,64.29,64.13,63.82,63.72,63.54,64.04,64.38,64.69,64.94,65.19],"n":[40189,39865,39286,38328,37745,37288,36754,36267,35694,35031,34379,33657,32944,32171,31400,30568,29746,28710,27459,26221,24901,23541,22251,21084,20163,19299,18364,17440,16562],"loans":40191},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.36,4.3,32.7,41.64,46.29,48.79,51.08,53.26,55.0,56.96,58.46,59.49,60.4,61.26,61.89,62.2,62.66,62.83,62.81,63.01,63.31,62.75,62.14],"n":[18035,17865,17603,17013,16637,16262,15912,15549,15197,14805,14430,13976,13466,12982,12455,11898,11423,10897,10297,9711,9056,8381,7708],"loans":18037},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[2.64,5.51,32.5,39.84,44.08,46.73,49.37,51.85,53.71,55.37,56.52,57.87,58.79,59.52,59.88,60.16,60.6,61.14],"n":[40739,39899,38730,36586,35516,34477,33321,31991,30546,28999,27596,25982,24264,22619,20849,19285,17712,16370],"loans":40745},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10],"v":[1.29,11.67,33.33,41.03,45.17,47.98,50.96,53.82,56.81,59.04,60.53],"n":[32652,31224,29533,27593,25959,24458,22852,20818,18612,16485,14430],"loans":32663}},"everext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.04,0.11,0.19,0.35,0.75,1.92,4.23,6.74,9.03,10.95,12.51,13.95,15.33,16.66,17.8,18.75,19.67,20.79,21.9,23.03,24.15,25.1,26.02,26.81,27.51,28.1,28.74,29.35,29.9,30.45,31.04,31.59,32.03,32.48,33.02,33.51,33.97,34.22,34.38,34.46,34.72,35.01,35.31,35.52,35.68,35.82,36.09],"n":[106233,106233,106231,106136,105815,105094,104202,103127,101923,100633,99249,97995,96736,95339,93939,92683,91381,90129,88912,87825,86687,85653,84601,83616,82864,82203,81611,81104,80340,79413,78525,77935,77353,76637,75910,75151,74680,73951,73296,72566,71856,71108,70621,70077,69514,68924,68264,67421,66787],"loans":106233},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.03,0.07,0.13,0.26,0.96,2.96,6.05,9.11,11.68,13.85,15.87,17.72,19.36,20.68,21.84,22.99,24.14,25.27,26.37,27.55,28.61,29.56,30.51,31.43,32.31,33.08,33.67,34.15,34.67,35.22,35.69,36.15,36.57,37.02,37.48,37.91,38.14,38.28,38.37,38.57,38.82,39.1,39.4,39.41,38.95,38.26,37.84],"n":[126877,124660,116493,107396,102440,101845,101005,100049,99138,98341,97589,96937,96296,95754,95221,94773,94285,93755,93254,92719,92197,91594,91016,90516,90099,89511,88477,87430,86607,86045,85471,84763,83952,83125,82401,81366,80525,79807,79191,78400,77568,76864,76444,76076,75618,74740,68342,60802,55870],"loans":126877},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44],"v":[0.0,0.0,0.0,0.01,0.04,0.26,1.17,3.73,8.06,12.44,16.07,19.07,21.98,24.46,26.49,28.03,29.33,30.5,31.6,32.94,34.08,35.38,36.6,37.6,38.52,39.4,40.27,41.19,41.94,42.46,42.99,43.52,44.07,44.54,44.63,44.6,44.84,45.21,45.49,45.58,45.56,45.84,46.24,46.54,46.43],"n":[45072,45071,45055,44969,44826,44716,44549,44398,44205,44046,43861,43638,43456,43283,43112,42967,42783,42603,42397,42188,41977,41717,41457,41200,40961,40715,40370,39789,39183,38872,38613,38365,38104,37551,36520,35376,34768,34481,34142,33645,33102,32668,32211,28586,19533],"loans":45072},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[0.0,0.0,0.03,0.06,0.13,0.31,0.82,1.98,4.13,6.65,9.52,12.63,15.52,18.13,20.09,21.87,23.36,24.59,25.84,27.01,28.12,29.29,30.35,31.33,32.43,33.33,34.21,35.7,37.14,38.13,38.17,38.4,39.35],"n":[117930,117930,117668,117234,116749,116116,114807,113514,112495,111652,110770,110017,109169,108302,107368,106383,105335,104375,103282,102240,101387,100482,99516,98264,96775,95389,94435,90843,86576,83215,77179,72299,67624],"loans":117930},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.01,0.06,0.18,0.39,0.79,1.51,3.41,6.5,9.66,12.65,15.38,17.86,20.2,22.33,24.14,25.67,27.0,28.94,30.82,32.35,34.38],"n":[129486,129314,128916,128279,127662,127278,126706,125964,125284,124654,124014,123444,122803,122145,121393,120695,120024,119217,114357,108934,93831,60122],"loans":129486}},"rollext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36],"v":[0.09,0.15,0.32,0.87,2.26,4.51,6.63,8.36,9.72,11.05,12.4,13.79,15.01,16.24,17.57,18.81,19.95,21.08,22.16,23.08,23.86,24.7,25.41,26.0,26.39,26.76,27.2,27.63,28.17,28.67,29.08,29.42,29.6,30.21,30.78,31.32,31.75],"n":[32383,32220,31905,31572,31208,30856,30467,30079,29710,29337,28959,28618,28222,27822,27447,27087,26681,26295,25910,25507,25028,24529,23974,23383,22731,22106,21496,20905,20270,19611,18961,18325,17693,17255,16547,15917,15218],"loans":32383},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35],"v":[0.15,0.21,0.56,1.26,3.36,6.41,9.16,11.28,13.09,14.65,16.48,18.03,19.66,21.26,22.69,24.04,25.34,26.51,27.72,28.65,29.28,29.86,30.58,30.93,31.29,31.57,32.04,32.37,32.91,33.2,33.7,34.25,34.67,35.36,35.94,36.63],"n":[37220,37066,36816,36575,36346,36058,35782,35475,35106,34743,34389,34004,33609,33201,32724,32240,31766,31272,30751,30192,29522,28812,27991,27090,26201,25317,24414,23502,22629,21774,20823,19793,18784,17796,16712,15694],"loans":37220},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30],"v":[0.11,0.16,0.61,1.72,3.76,6.93,9.79,11.83,13.59,15.28,16.66,18.34,19.9,21.46,22.91,24.14,25.3,26.47,27.5,28.26,29.08,29.66,30.16,30.5,30.66,30.42,29.82,29.66,29.58,30.38,30.35],"n":[19774,19654,19545,19445,19332,19188,18987,18772,18507,18276,17984,17739,17462,17147,16878,16559,16222,15887,15497,15014,14546,14021,13355,12768,12075,11316,10584,9887,9256,8757,8142],"loans":19774},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19],"v":[0.06,0.11,0.4,1.33,3.13,5.82,8.25,10.35,12.23,14.16,16.06,17.61,19.25,20.81,22.08,23.23,23.92,24.52,25.12,25.76],"n":[38200,37626,36966,36387,35797,35072,34260,33308,32221,31253,30130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Financial (AmeriCredit)","Santander"]},"2022":{"loans":126877,"ever60":40191,"everext":37232,"trusts":["ALLYA-2022-1","AMCAR-2022-1","CARMX-2022-1","CRVNA-2022-P1","EART-2022-1","FORDO-2022-A","GMCAR-2022-1","HAROT-2022-1","HART-2022-A","SDART-2022-1","WOART-2022-A"],"lenders":["Ally","CarMax","Carvana","Exeter","Ford","GM Financial","GM Financial (AmeriCredit)","Honda","Hyundai","Santander","World Omni"]},"2023":{"loans":45072,"ever60":18037,"everext":19777,"trusts":["ALLYA-2023-1","AMCAR-2023-1","CARMX-2023-1","EART-2023-1","WOSAT-2023-A"],"lenders":["Ally","CarMax","Exeter","GM Financial (AmeriCredit)","World Omni"]},"2024":{"loans":117930,"ever60":40745,"everext":38219,"trusts":["ALLYA-2024-1","AMCAR-2024-1","CARMX-2024-1","CRVNA-2024-P2","EART-2024-1","GMCAR-2024-1","SDART-2023-6","SDART-2024-1","WOART-2024-A"],"lenders":["Ally","CarMax","Carvana","Exeter","GM Financial","GM Financial (AmeriCredit)","Santander","World Omni"]},"2025":{"loans":129486,"ever60":32663,"everext":37192,"trusts":["ALLYA-2025-1","BLAST-2025-1","CARMX-2025-1","CRVNA-2025-P1","EART-2025-1","FORDO-2025-A","GMCAR-2025-1","HAROT-2025-1","HART-2025-A","SDART-2025-1","WOART-2025-A"],"lenders":["Ally","Bridgecrest","CarMax","Carvana","Exeter","Ford","GM Financial","Honda","Hyundai","Santander","World Omni"]}},"reads":["At month 21 on book, the 2025 vintage is the worst on file at 28.1% ever 60+ (11 trusts), against 23.6% averaged over the 2021, 2022, 2023, 2024 vintages.","The 2025 vintage is above 2024 by 2.2 points at the same age (28.1% vs 26.0%), on 60,122 loans still observed at that month.","The two vintages first separate by a full point at month 18.","20.2% of the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 24.5%.","Of 2025 loans that reached 60+, 61% had charged off within 10 months of first going 60+.","The 2024 vintage was at 57% at the same point after first 60+."]},"prime_score":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.07,0.15,0.25,0.38,0.52,0.72,0.91,1.11,1.32,1.54,1.76,1.94,2.17,2.34,2.47,2.61,2.78,2.96,3.08,3.25,3.4,3.59,3.74,3.87,4.0,4.06,4.1,4.18,4.31,4.44,4.58,4.67,4.77,4.9,4.97,5.04,5.11,5.19,5.24,5.34,5.39,5.47,5.54,5.6,5.66,5.67],"n":[50964,50964,50964,50824,50392,49930,49472,49248,49025,48789,48563,48332,48127,47902,47675,47469,47269,47058,46833,46654,46480,46327,46184,46056,45942,45835,45749,45670,45567,45454,45332,45258,45168,45076,44972,44867,44771,44580,44453,44364,44295,44223,44155,44074,44020,43958,43892,43801,43706],"loans":50964},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.05,0.12,0.23,0.38,0.53,0.69,0.86,1.04,1.22,1.42,1.62,1.78,1.95,2.11,2.26,2.43,2.63,2.81,2.97,3.13,3.28,3.43,3.58,3.7,3.82,3.92,4.02,4.13,4.25,4.36,4.46,4.54,4.63,4.71,4.82,4.93,5.04,5.12,5.21,5.32,5.45,5.54,5.62,5.38,5.1,4.97],"n":[100362,100162,98895,97414,96430,96088,95734,95396,95023,94682,94368,94053,93786,93538,93318,93049,92854,92622,92309,92085,91800,91543,91300,91033,90794,90531,90254,89975,89722,89496,89225,89001,88722,88449,88161,87861,87517,86855,86467,86213,85960,85702,85461,85255,85019,84758,83428,80716,78191],"loans":100362},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44],"v":[0.0,0.0,0.0,0.04,0.19,0.43,0.7,0.98,1.27,1.56,1.79,2.05,2.3,2.53,2.78,3.03,3.21,3.41,3.64,3.86,4.08,4.28,4.48,4.72,4.94,5.16,5.33,5.36,5.4,5.53,5.72,5.87,6.04,6.15,6.11,6.07,6.13,6.24,6.38,6.47,6.78,7.25,7.79,7.65,6.68],"n":[34308,34297,33575,32290,31024,31013,31003,30995,30983,30975,30962,30946,30935,30919,30865,30817,30753,30675,30584,30483,30397,30305,30203,30113,30036,29964,29883,29750,29630,29540,29460,29369,29282,29174,29019,28880,28742,28628,28545,28437,26579,23428,20428,19263,17111],"loans":34308},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,0.0,0.0,0.1,0.23,0.45,0.64,0.87,1.18,1.49,1.82,2.11,2.37,2.67,2.94,3.24,3.47,3.69,3.91,4.18,4.47,4.74,4.97,5.16,5.36,5.56,5.81,6.33,6.87,7.05,7.09,7.27,7.31,6.64],"n":[71302,71302,71245,71153,71064,70895,70637,70384,70162,69949,69764,69572,69390,69180,68991,68788,68563,68211,67794,67407,66963,66545,66132,65715,65263,64794,64389,58508,52446,49769,48919,48278,46212,36886],"loans":71302},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.06,0.19,0.41,0.68,0.89,1.18,1.45,1.74,2.04,2.35,2.66,3.1,3.51,3.8,4.04,4.61,5.26,5.36,5.02],"n":[87426,86996,86196,84624,83356,83209,82903,82673,82442,82205,81982,81761,81518,81286,77730,74325,74057,73699,65303,57002,51498,40121],"loans":87426},"2026":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.06,0.12,0.12,0.18,0.29,0.35,0.36],"n":[1701,1701,1701,1701,1700,1700,1700,1700,1700,1700,1700,1700,1664],"loans":1701}},"roll":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30],"v":[1.89,5.16,34.79,40.21,42.55,44.52,47.17,49.31,51.63,52.99,54.4,55.89,57.08,58.18,59.26,60.91,61.76,62.56,62.82,62.97,63.11,63.73,64.07,64.62,65.15,66.17,66.42,67.21,67.71,67.99,69.09],"n":[3485,3448,3357,3265,3210,3147,3093,3034,2981,2923,2853,2800,2740,2697,2624,2558,2495,2412,2337,2247,2177,2109,2032,1959,1871,1803,1724,1665,1595,1515,1443],"loans":3486},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27],"v":[1.75,5.16,39.8,45.28,48.09,50.55,52.85,54.84,56.45,57.92,59.05,59.71,60.65,61.71,62.77,63.51,64.51,64.77,65.16,65.34,65.68,65.8,65.97,66.38,66.9,67.34,68.06,68.53],"n":[6184,6109,6003,5863,5748,5664,5576,5458,5345,5224,5104,4971,4851,4703,4572,4442,4291,4133,3992,3846,3668,3497,3315,3189,3036,2915,2780,2625],"loans":6184},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[1.52,4.52,37.85,46.78,51.3,53.07,55.3,57.41,59.51,61.2,62.65,62.66,64.15,64.8,65.72,66.46,67.69,68.06,68.71,69.03,69.22,69.62,69.84],"n":[2442,2411,2375,2315,2273,2218,2168,2125,2067,2018,1973,1907,1838,1770,1695,1628,1566,1506,1438,1340,1251,1152,1061],"loans":2443},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15],"v":[3.49,6.79,41.01,49.28,53.05,55.33,57.43,60.16,62.11,63.51,64.89,65.67,66.53,67.39,68.78,69.51],"n":[5128,5024,4852,4598,4420,4269,4106,3931,3721,3497,3295,3088,2871,2656,2409,2181],"loans":5129},"2025":{"m":[0,1,2,3,4,5,6,7,8,9],"v":[2.18,9.2,39.93,48.86,54.13,57.25,60.56,63.48,66.09,67.96],"n":[3853,3665,3416,3166,2945,2746,2538,2259,1964,1707],"loans":3853}},"everext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.03,0.06,0.1,0.15,0.21,0.35,0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Financial (AmeriCredit)","Santander"]},"2022":{"loans":100362,"ever60":6184,"everext":7481,"trusts":["ALLYA-2022-1","AMCAR-2022-1","CARMX-2022-1","CRVNA-2022-P1","EART-2022-1","FORDO-2022-A","GMCAR-2022-1","HAROT-2022-1","HART-2022-A","NAROT-2022-A","SDART-2022-1","WOART-2022-A"],"lenders":["Ally","CarMax","Carvana","Exeter","Ford","GM Financial","GM Financial (AmeriCredit)","Honda","Hyundai","Nissan","Santander","World Omni"]},"2023":{"loans":34308,"ever60":2443,"everext":3232,"trusts":["ALLYA-2023-1","AMCAR-2023-1","CARMX-2023-1","EART-2023-1","WOSAT-2023-A"],"lenders":["Ally","CarMax","Exeter","GM Financial (AmeriCredit)","World Omni"]},"2024":{"loans":71302,"ever60":5129,"everext":5766,"trusts":["ALLYA-2024-1","AMCAR-2024-1","CARMX-2024-1","CRVNA-2024-P2","EART-2024-1","GMCAR-2024-1","SDART-2023-6","SDART-2024-1","WOART-2024-A"],"lenders":["Ally","CarMax","Carvana","Exeter","GM Financial","GM Financial (AmeriCredit)","Santander","World Omni"]},"2025":{"loans":87426,"ever60":3853,"everext":4983,"trusts":["ALLYA-2025-1","BLAST-2025-1","CARMX-2025-1","CRVNA-2025-P1","EART-2025-1","FORDO-2025-A","GMCAR-2025-1","HAROT-2025-1","HART-2025-A","SDART-2025-1","VALET-2025-1","WOART-2025-A"],"lenders":["Ally","Bridgecrest","CarMax","Carvana","Exeter","Ford","GM Financial","Honda","Hyundai","Santander","Volkswagen","World Omni"]},"2026":{"loans":1701,"ever60":6,"everext":22,"trusts":["ALLYA-2025-1"],"lenders":["Ally"]}},"reads":["At month 12 on book, the worst vintage on file is 2024 at 2.4% ever 60+ (9 trusts); the latest, 2026, sits at 0.4%, 2.0 points below it.","The 2026 vintage is below 2025 by 2.0 points at the same age (0.4% vs 2.4%), on 1,664 loans still observed at that month.","The two vintages first separate by a full point at month 8."]},"tier_prime":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.03,0.08,0.17,0.28,0.37,0.51,0.67,0.85,1.06,1.33,1.6,1.83,2.05,2.24,2.37,2.55,2.72,2.93,3.1,3.23,3.4,3.59,3.78,3.96,4.11,4.27,4.39,4.56,4.72,4.87,5.04,5.2,5.33,5.48,5.67,5.82,5.97,6.08,6.19,6.33,6.45,6.58,6.69,6.79,6.89,6.99],"n":[57505,57505,57505,57357,56931,56491,56126,56082,56080,56080,56080,56080,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079],"loans":57505},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.02,0.08,0.21,0.37,0.53,0.7,0.93,1.17,1.42,1.67,1.92,2.15,2.4,2.65,2.85,3.08,3.32,3.56,3.82,4.08,4.3,4.52,4.75,4.97,5.18,5.37,5.56,5.76,5.94,6.11,6.31,6.48,6.65,6.83,7.01,7.2,7.37,7.52,7.67,7.83,7.99,8.14,8.27,8.41,8.61,8.83],"n":[117598,117598,117562,117498,117341,117093,116845,116594,116318,116097,115878,115632,115419,115237,115079,114861,114715,114531,114260,114088,113849,113653,113447,113220,113018,112801,112593,112384,112185,111999,111785,111602,111398,111196,110979,110733,110465,109811,109420,109221,109027,108812,108609,108409,108208,107996,107735,106340,104089],"loans":117598},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45],"v":[0.0,0.0,0.0,0.0,0.04,0.26,0.56,0.86,1.19,1.48,1.75,2.09,2.35,2.69,2.99,3.29,3.55,3.79,4.01,4.26,4.45,4.64,4.83,5.07,5.27,5.48,5.69,5.92,6.09,6.29,6.5,6.69,6.9,7.15,7.34,7.53,7.74,7.94,8.09,8.29,8.82,9.65,10.64,10.8,10.92,11.68],"n":[31788,31774,31006,29578,28161,28160,28160,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28127,26213,22792,19526,19525,19525,13663],"loans":31788},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,0.0,0.0,0.02,0.09,0.22,0.39,0.56,0.79,1.0,1.21,1.45,1.66,1.89,2.12,2.35,2.59,2.8,3.02,3.26,3.51,3.72,3.93,4.13,4.34,4.57,4.8,5.03,5.21,5.36,5.52,5.73,5.98,6.1],"n":[73851,73851,73851,73851,73850,73788,73707,73627,73539,73458,73381,73318,73272,73202,73133,73063,72959,72727,72448,72187,71855,71554,71265,70999,70691,70351,70029,61432,52384,48752,48196,47855,46336,38101],"loans":73851},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20],"v":[0.0,0.0,0.0,0.02,0.06,0.12,0.23,0.32,0.46,0.57,0.71,0.86,1.02,1.17,1.37,1.57,1.76,1.92,1.92,1.72,1.79],"n":[87643,86880,85477,82919,80967,80852,80611,80461,80312,80147,79994,79831,79673,79510,75846,72320,72123,71848,59062,46816,42199],"loans":87643},"2026":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12],"v":[0.0,0.0,0.0,0.0,0.0,0.05,0.16,0.22,0.22,0.27,0.38,0.44,0.45],"n":[1838,1838,1838,1838,1837,1837,1837,1837,1837,1837,1836,1836,1797],"loans":1838}},"roll":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[1.19,4.31,32.26,35.29,37.33,38.82,40.94,42.36,44.22,45.32,46.11,47.02,47.93,49.08,50.12,51.25,51.98,52.49,53.33,53.75,54.07,55.23,55.54,56.56,57.25,58.09,58.59,59.26,59.78,60.46,61.47,61.75,61.76],"n":[4296,4245,4188,4137,4088,4031,3979,3916,3851,3784,3728,3671,3599,3525,3446,3350,3282,3199,3126,3029,2963,2875,2791,2719,2629,2529,2434,2327,2223,2109,2022,1906,1786],"loans":4297},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[1.23,4.49,37.27,40.53,42.19,44.15,45.67,47.44,48.79,50.08,51.05,51.93,52.73,53.7,54.6,55.62,56.65,57.24,57.9,58.34,59.03,59.64,60.17,60.8,61.72,62.39,63.1,63.7,64.42,64.66,65.14,65.83,66.67],"n":[9978,9867,9740,9598,9447,9343,9217,9077,8932,8776,8632,8475,8329,8154,7978,7798,7597,7447,7316,7138,6914,6734,6533,6354,6133,5927,5699,5458,5200,4995,4756,4489,4198],"loans":9978},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27],"v":[3.55,6.51,39.66,43.98,46.47,47.9,50.2,52.11,53.36,54.99,56.53,56.99,58.12,59.36,60.34,61.26,62.32,63.15,64.07,64.68,65.07,65.37,65.76,66.51,67.01,67.48,67.73,68.37],"n":[2506,2472,2438,2399,2352,2315,2269,2228,2170,2113,2059,2011,1951,1885,1828,1768,1704,1658,1606,1543,1483,1418,1361,1302,1246,1184,1131,1075],"loans":2507},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16],"v":[2.85,6.0,42.67,47.1,48.87,49.96,52.42,54.18,55.73,56.91,58.77,59.97,61.03,61.91,62.59,63.6,64.04],"n":[4064,3935,3801,3669,3534,3405,3266,3099,2930,2787,2641,2478,2320,2179,2018,1857,1688],"loans":4065},"2025":{"m":[0,1,2,3,4,5,6,7,8],"v":[1.75,6.95,46.16,51.43,53.69,55.9,57.16,59.44,62.84],"n":[1713,1597,1473,1328,1194,1084,971,826,689],"loans":1713}},"everext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.05,0.07,0.09,0.12,0.14,0.23,0.41,0.59,0.73,0.9,1.06,1.3,1.57,1.79,1.99,2.21,2.39,2.62,2.87,3.14,3.46,3.7,3.94,4.15,4.39,4.61,4.8,5.01,5.19,5.36,5.59,5.81,6.04,6.29,6.5,6.7,6.89,7.07,7.22,7.34,7.47,7.62,7.78,7.97,8.11,8.28,8.45],"n":[57505,57505,57505,57357,56931,56491,56126,56082,56080,56080,56080,56080,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079,56079],"loans":57505},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.01,0.07,0.12,0.16,0.22,0.32,0.57,0.96,1.33,1.65,1.97,2.29,2.69,3.09,3.43,3.71,3.99,4.3,4.61,4.95,5.34,5.7,6.04,6.4,6.75,7.05,7.33,7.59,7.8,8.04,8.31,8.57,8.82,9.08,9.33,9.55,9.82,10.01,10.21,10.41,10.55,10.68,10.84,10.99,11.14,11.28,11.47,11.63],"n":[117598,117598,117562,117498,117341,117093,116845,116594,116318,116097,115878,115632,115419,115237,115079,114861,114715,114531,114260,114088,113849,113653,113447,113220,113018,112801,112593,112384,112185,111999,111785,111602,111398,111196,110979,110733,110465,109811,109420,109221,109027,108812,108609,108409,108208,107996,107735,106340,104089],"loans":117598},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45],"v":[0.0,0.0,0.0,0.02,0.04,0.07,0.21,0.57,1.33,2.08,2.76,3.27,3.83,4.34,4.83,5.28,5.58,5.86,6.13,6.46,6.84,7.36,7.78,8.21,8.67,8.95,9.3,9.62,9.86,10.05,10.27,10.49,10.73,10.99,11.21,11.4,11.64,11.83,11.97,12.13,12.73,13.83,15.08,15.18,15.31,15.96],"n":[31788,31774,31006,29578,28161,28160,28160,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28159,28127,26213,22792,19526,19525,19525,13663],"loans":31788},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,0.0,0.07,0.09,0.13,0.19,0.25,0.54,1.15,1.77,2.29,2.84,3.38,3.98,4.45,4.86,5.24,5.56,5.87,6.19,6.5,6.81,7.12,7.38,7.71,8.0,8.29,8.77,9.14,9.5,9.71,9.92,10.25,10.4],"n":[73851,73851,73851,73851,73850,73788,73707,73627,73539,73458,73381,73318,73272,73202,73133,73063,72959,72727,72448,72187,71855,71554,71265,70999,70691,70351,70029,61432,52384,48752,48196,47855,46336,38101],"loans":73851},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20],"v":[0.0,0.01,0.07,0.12,0.18,0.24,0.35,0.59,1.01,1.45,1.86,2.21,2.55,2.87,3.2,3.52,3.74,3.98,4.08,3.92,3.82],"n":[87643,86880,85477,82919,80967,80852,80611,80461,80312,80147,79994,79831,79673,79510,75846,72320,72123,71848,59062,46816,42199],"loans":87643},"2026":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12],"v":[0.0,0.0,0.0,0.05,0.05,0.05,0.05,0.11,0.22,0.38,0.76,1.03,1.28],"n":[1838,1838,1838,1838,1837,1837,1837,1837,1837,1837,1836,1836,1797],"loans":1838}},"rollext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29],"v":[0.6,0.63,0.72,0.83,1.46,2.98,4.11,5.33,6.09,6.84,7.45,8.23,8.96,9.71,10.35,10.94,11.31,12.15,12.96,13.37,13.8,14.4,15.11,15.45,15.82,16.17,16.82,17.1,17.09,17.42],"n":[5140,5092,5002,4944,4863,4793,4720,4634,4550,4490,4417,4348,4242,4131,4011,3894,3766,3613,3472,3359,3232,3126,3032,2913,2801,2666,2521,2397,2258,2107],"loans":5140},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[0.47,0.55,0.62,0.82,1.79,3.4,4.79,6.01,7.04,7.95,8.84,9.69,10.58,11.53,12.18,12.95,13.72,14.54,15.16,16.06,16.75,17.15,18.01,18.63,19.31,19.79,20.52,21.06,21.69,22.09,22.43,22.57,22.75],"n":[13338,13235,13114,12983,12848,12688,12567,12439,12251,12081,11901,11750,11612,11394,11170,10908,10648,10393,10157,9897,9605,9355,9044,8737,8442,8160,7811,7468,7097,6732,6314,5865,5463],"loans":13338},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29],"v":[0.23,0.26,0.35,0.67,1.66,3.39,5.03,6.48,7.36,8.44,9.45,10.68,11.65,12.84,13.59,14.4,15.21,15.97,16.7,17.27,17.9,19.06,20.15,21.06,22.08,22.46,22.74,23.45,24.44,25.0],"n":[3541,3510,3475,3452,3426,3390,3361,3320,3260,3209,3132,3081,3012,2943,2870,2806,2741,2692,2622,2525,2419,2324,2174,2066,1938,1799,1715,1633,1559,1476],"loans":3541},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19],"v":[0.14,0.16,0.35,0.62,1.58,3.4,5.06,6.31,7.36,8.65,9.72,10.96,11.79,12.66,13.47,14.18,14.79,15.64,16.38,16.52],"n":[6522,6392,6283,6160,6058,5948,5805,5654,5436,5216,4979,4762,4545,4290,4023,3788,3535,3306,3046,2651],"loans":6522},"2025":{"m":[0,1,2,3,4,5,6,7,8,9],"v":[0.12,0.19,0.43,0.42,1.63,2.75,3.33,4.15,4.94,5.47],"n":[3402,3225,3051,2871,270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Financial","Honda","Hyundai","Nissan","World Omni"]},"2023":{"loans":31788,"ever60":2507,"everext":3547,"trusts":["ALLYA-2023-1","CARMX-2023-1"],"lenders":["Ally","CarMax"]},"2024":{"loans":73851,"ever60":4065,"everext":6522,"trusts":["ALLYA-2024-1","CARMX-2024-1","CRVNA-2024-P2","GMCAR-2024-1","WOART-2024-A"],"lenders":["Ally","CarMax","Carvana","GM Financial","World Omni"]},"2025":{"loans":87643,"ever60":1713,"everext":3414,"trusts":["ALLYA-2025-1","CARMX-2025-1","CRVNA-2025-P1","FORDO-2025-A","GMCAR-2025-1","HAROT-2025-1","HART-2025-A","VALET-2025-1","WOART-2025-A"],"lenders":["Ally","CarMax","Carvana","Ford","GM Financial","Honda","Hyundai","Volkswagen","World Omni"]},"2026":{"loans":1838,"ever60":8,"everext":23,"trusts":["ALLYA-2025-1"],"lenders":["Ally"]}},"reads":["At month 12 on book, the worst vintage on file is 2023 at 2.4% ever 60+ (2 trusts); the latest, 2026, sits at 0.5%, 1.9 points below it.","The 2026 vintage is below 2025 by 0.6 points at the same age (0.5% vs 1.0%), on 1,797 loans still observed at that month."]},"tier_subprime":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.36,1.01,1.75,2.68,3.67,4.85,6.05,7.29,8.6,9.73,11.01,12.22,13.6,14.69,15.7,16.89,18.1,19.31,20.43,21.43,22.47,23.64,24.66,25.62,26.36,26.92,27.26,27.73,28.5,29.28,29.83,30.35,30.81,31.6,32.14,32.51,32.7,32.92,33.04,33.46,33.85,34.21,34.52,34.9,35.06,35.32],"n":[109750,109750,109748,109656,109289,108475,107401,106024,104486,102813,101069,99463,97862,96071,94249,92632,90998,89394,87842,86459,85041,83740,82455,81238,80296,79463,78723,78081,77131,75977,74882,74161,73448,72569,71669,70728,70109,69121,68269,67368,66534,65642,65042,64367,63705,62997,62221,61232,60457],"loans":109750},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46],"v":[0.0,0.0,0.0,0.76,2.12,3.89,5.8,7.66,9.56,11.49,13.33,15.22,17.13,18.97,20.62,21.99,23.21,24.37,25.65,27.12,28.53,29.71,30.78,31.87,33.1,34.04,34.45,34.72,35.14,35.74,36.36,36.89,37.3,37.64,38.16,38.33,38.75,39.26,39.63,39.87,40.06,40.45,41.04,41.74,42.35,42.62,41.24],"n":[122303,119718,109352,97845,91453,90695,89642,88467,87320,86287,85315,84480,83690,82950,82240,81648,81029,80343,79696,79036,78389,77638,76935,76306,75789,75065,73813,72576,71607,70944,70211,69380,68387,67405,66527,65321,64293,63441,62725,61793,60815,59999,59475,59038,58495,57497,49224],"loans":122303},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43],"v":[0.0,0.0,0.0,0.39,1.4,2.85,4.55,6.19,7.8,9.18,10.52,11.9,13.35,14.77,16.02,17.14,18.11,19.19,20.22,21.3,22.35,23.37,24.34,25.35,26.34,27.38,28.13,28.33,28.52,29.05,29.83,30.6,31.39,31.61,30.95,30.0,30.12,30.73,31.15,31.19,31.15,31.52,32.06,32.62],"n":[48833,48833,48833,48804,48733,48609,48432,48273,48066,47898,47699,47457,47263,47073,46848,46652,46402,46141,45843,45532,45234,44882,44517,44165,43842,43523,43093,42372,41637,41231,40890,40551,40201,39532,38339,37041,36293,35886,35460,34881,34302,33927,33546,28732],"loans":48833},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[0.0,0.0,0.0,0.69,1.87,3.39,4.72,5.99,7.65,9.54,11.4,13.17,14.8,16.3,17.85,19.37,20.65,21.86,23.06,24.43,25.83,27.32,28.71,29.81,30.69,31.59,32.79,33.95,34.74,35.19,36.4,38.08,39.08],"n":[127288,127288,126912,126288,125582,124683,122960,121228,119826,118652,117443,116348,115133,113880,112571,111208,109796,108519,107078,105707,104562,103397,102149,100596,98826,97185,96009,94932,93405,90795,84266,78915,73091],"loans":127288},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.38,1.18,2.47,4.0,5.64,7.45,9.27,11.03,12.89,14.62,16.43,18.2,19.8,21.21,22.38,23.61,25.03,26.67,27.35],"n":[146848,146848,146757,146475,146061,145514,144652,143565,142523,141517,140505,139610,138627,137606,136549,135607,134638,133529,132330,130053,112111,71241],"loans":146848}},"roll":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[1.29,4.02,28.37,35.35,39.03,41.3,43.94,46.15,48.35,50.16,51.74,53.26,54.7,55.98,57.03,57.99,58.86,59.4,59.71,59.92,60.24,60.39,60.45,60.65,60.96,61.05,61.41,61.66,61.98,62.46,63.05,63.61,64.26],"n":[33794,33606,33003,32118,31516,31023,30561,30171,29746,29309,28847,28396,27941,27465,26942,26425,25925,25192,24344,23433,22565,21741,20783,19958,19190,18438,17686,17033,16383,15735,15124,14556,13863],"loans":33823},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26],"v":[1.69,4.84,34.8,43.96,48.6,51.46,54.22,56.6,58.58,60.12,61.42,62.67,63.67,64.66,65.59,66.35,67.06,67.35,67.28,67.12,66.84,66.35,66.18,65.89,66.26,66.53,66.74],"n":[39464,39159,38554,37508,36937,36474,35945,35436,34848,34164,33481,32719,31975,31152,30356,29519,28681,27541,26180,24866,23470,21992,20601,19389,18462,17611,16685],"loans":39466},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.08,4.03,32.5,42.1,47.02,49.55,51.83,54.03,55.89,57.85,59.34,60.31,61.29,62.06,62.66,62.98,63.45,63.56,63.5,63.63,63.9,63.32,62.67],"n":[18141,17972,17706,17088,16715,16318,15955,15590,15233,14845,14473,13997,13471,12983,12435,11865,11383,10840,10219,9593,8906,8187,7479],"loans":18143},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16],"v":[2.84,5.72,33.22,41.05,45.41,48.17,50.77,53.41,55.29,56.96,58.05,59.36,60.23,61.0,61.49,61.78,62.29],"n":[44586,43713,42419,39914,38730,37597,36347,34924,33334,31625,30068,28306,26405,24580,22620,20919,19240],"loans":44592},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10],"v":[1.52,11.94,34.48,42.42,46.75,49.63,52.69,55.52,58.51,60.77,62.25],"n":[37557,35941,33980,31722,29879,28153,26310,23999,21444,19018,16646],"loans":37568}},"everext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,3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,18.29,20.69],"n":[40229,38582,36969,35494,34013,32453,30423,27792,24675,21864,18422],"loans":40229}},"meta":{"2021":{"loans":109750,"ever60":33823,"everext":32615,"trusts":["AMCAR-2021-1","EART-2021-1","SDART-2021-1"],"lenders":["Exeter","GM Financial (AmeriCredit)","Santander"]},"2022":{"loans":122303,"ever60":39466,"everext":33117,"trusts":["AMCAR-2022-1","EART-2022-1","SDART-2022-1"],"lenders":["Exeter","GM Financial (AmeriCredit)","Santander"]},"2023":{"loans":48833,"ever60":18143,"everext":19620,"trusts":["AMCAR-2023-1","EART-2023-1","WOSAT-2023-A"],"lenders":["Exeter","GM Financial (AmeriCredit)","World Omni"]},"2024":{"loans":127288,"ever60":44592,"everext":38755,"trusts":["AMCAR-2024-1","EART-2024-1","SDART-2023-6","SDART-2024-1"],"lenders":["Exeter","GM Financial (AmeriCredit)","Santander"]},"2025":{"loans":146848,"ever60":37568,"everext":40274,"trusts":["BLAST-2025-1","EART-2025-1","SDART-2025-1"],"lenders":["Bridgecrest","Exeter","Santander"]}},"reads":["At month 21 on book, the worst vintage on file is 2022 at 29.7% ever 60+ (3 trusts); the latest, 2025, sits at 27.4%, 2.4 points below it.","The 2025 vintage is above 2024 by 0.0 points at the same age (27.4% vs 27.3%), on 71,241 loans still observed at that month.","19.2% of the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 22.5%.","Of 2025 loans that reached 60+, 62% had charged off within 10 months of first going 60+.","The 2024 vintage was at 58% at the same point after first 60+."]},"lender_Ally":{"ever60":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.0,0.04,0.18,0.24,0.4,0.55,0.68,0.81,0.92,1.03,1.12,1.25,1.41,1.56,1.78,1.87,2.03,2.23,2.34,2.58,2.67,2.76,2.87,3.0,3.05,3.18,3.31,3.42,3.49,3.62,3.66,3.8,3.88,3.95,3.97,4.06,4.13,4.18,4.27,4.4,4.45,4.43,4.5,4.52,4.48],"n":[4546,4546,4546,4546,4546,4546,4546,4546,4545,4545,4544,4544,4543,4543,4543,4542,4542,4541,4540,4540,4539,4538,4536,4535,4535,4535,4534,4534,4532,4532,4532,4531,4531,4531,4531,4531,4531,4529,4529,4528,4527,4526,4524,4524,4519,4516,4516,4489,3526],"loans":4546},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40],"v":[0.0,0.0,0.0,0.0,0.01,0.1,0.2,0.32,0.47,0.58,0.71,0.79,0.88,0.98,1.05,1.19,1.34,1.46,1.54,1.66,1.84,1.98,2.05,2.15,2.25,2.37,2.51,2.65,2.75,2.88,2.97,3.05,3.16,3.32,3.43,3.52,3.67,3.8,3.87,3.99,4.4],"n":[12262,12248,11480,10052,8635,8634,8634,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8601,6687],"loans":12262},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.06,0.09,0.2,0.26,0.32,0.41,0.61,0.7,0.78,0.9,0.98,1.13,1.2,1.34,1.42,1.54,1.72,1.84,2.04,2.19,2.3,2.35,2.45,2.59,2.62,2.78,2.8,3.02],"n":[6562,6562,6562,6562,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6544,5352,2982],"loans":6562},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14],"v":[0.0,0.0,0.0,0.0,0.01,0.06,0.15,0.19,0.28,0.36,0.44,0.48,0.63,0.67,0.92],"n":[6887,6887,6887,6887,6885,6884,6884,6883,6883,6883,6882,6880,6879,6879,3365],"loans":6887},"2026":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12],"v":[0.0,0.0,0.0,0.0,0.0,0.05,0.16,0.22,0.22,0.27,0.38,0.44,0.45],"n":[1838,1838,1838,1838,1837,1837,1837,1837,1837,1837,1836,1836,1797],"loans":1838}},"roll":{"2022":{"m":[0,1,2,3],"v":[0.0,1.9,22.44,33.33],"n":[215,210,205,201],"loans":215},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15],"v":[0.0,0.86,21.89,33.84,40.32,42.02,45.12,47.06,48.74,50.19,52.71,52.4,55.88,56.58,58.26,59.9],"n":[360,350,338,328,315,307,297,289,277,263,258,250,238,228,218,207],"loans":360}},"everext":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.15,0.51,0.84,1.21,1.54,1.94,2.22,2.49,2.69,2.88,3.11,3.22,3.35,3.59,3.79,4.1,4.19,4.43,4.7,4.83,4.92,4.96,5.12,5.27,5.45,5.65,5.69,5.83,5.96,6.05,6.14,6.2,6.29,6.32,6.43,6.52,6.65,6.66,6.71,6.91,6.99,6.89],"n":[4546,4546,4546,4546,4546,4546,4546,4546,4545,4545,4544,4544,4543,4543,4543,4542,4542,4541,4540,4540,4539,4538,4536,4535,4535,4535,4534,4534,4532,4532,4532,4531,4531,4531,4531,4531,4531,4529,4529,4528,4527,4526,4524,4524,4519,4516,4516,4489,3526],"loans":4546},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40],"v":[0.0,0.0,0.0,0.0,0.01,0.01,0.01,0.2,0.67,1.03,1.34,1.63,1.82,2.04,2.2,2.36,2.53,2.68,2.9,3.07,3.38,3.58,3.83,4.02,4.17,4.3,4.44,4.63,4.81,4.97,5.07,5.22,5.34,5.5,5.66,5.76,5.88,5.98,6.02,6.17,6.45],"n":[12262,12248,11480,10052,8635,8634,8634,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8633,8601,6687],"loans":12262},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.02,0.06,0.24,0.5,0.78,1.17,1.42,1.71,1.91,2.03,2.3,2.45,2.71,2.88,3.02,3.2,3.44,3.67,3.89,4.1,4.31,4.47,4.56,4.62,4.77,4.91,5.04,5.7],"n":[6562,6562,6562,6562,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6561,6544,5352,2982],"loans":6562},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14],"v":[0.0,0.0,0.0,0.0,0.03,0.06,0.06,0.17,0.42,0.65,0.83,0.97,1.18,1.5,1.84],"n":[6887,6887,6887,6887,6885,6884,6884,6883,6883,6883,6882,6880,6879,6879,3365],"loans":6887},"2026":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12],"v":[0.0,0.0,0.0,0.05,0.05,0.05,0.05,0.11,0.22,0.38,0.76,1.03,1.28],"n":[1838,1838,1838,1838,1837,1837,1837,1837,1837,1837,1836,1836,1797],"loans":1838}},"rollext":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24],"v":[0.0,0.0,0.0,0.0,0.32,1.32,2.33,2.72,3.79,4.56,5.28,6.07,6.93,7.75,7.92,8.49,8.63,8.73,9.28,9.01,8.89,10.14,10.19,9.13,9.9],"n":[330,330,329,320,311,304,300,294,290,285,284,280,274,271,265,259,255,252,237,233,225,217,216,208,202],"loans":330},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23],"v":[0.0,0.0,0.0,0.0,0.59,1.8,2.24,3.12,3.0,3.96,5.0,5.8,6.25,7.16,7.47,8.31,8.68,9.38,10.12,11.04,10.92,13.72,13.94,13.19],"n":[546,534,523,518,508,500,491,480,466,455,440,431,416,405,388,373,357,352,336,317,293,277,251,235],"loans":546},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11],"v":[0.0,0.0,0.0,0.0,0.0,1.03,3.16,4.66,4.96,5.76,6.19,8.84],"n":[335,326,319,307,298,292,285,279,262,243,226,215],"loans":335}},"meta":{"2022":{"loans":4546,"ever60":215,"everext":330,"trusts":["ALLYA-2022-1"],"lenders":["Ally"]},"2023":{"loans":12262,"ever60":360,"everext":546,"trusts":["ALLYA-2023-1"],"lenders":["Ally"]},"2024":{"loans":6562,"ever60":186,"everext":335,"trusts":["ALLYA-2024-1"],"lenders":["Ally"]},"2025":{"loans":6887,"ever60":49,"everext":112,"trusts":["ALLYA-2025-1"],"lenders":["Ally"]},"2026":{"loans":1838,"ever60":8,"everext":23,"trusts":["ALLYA-2025-1"],"lenders":["Ally"]}},"reads":["At month 12 on book, the worst vintage on file is 2022 at 0.9% ever 60+ (1 trust); the latest, 2026, sits at 0.5%, 0.5 points below it.","The 2026 vintage is below 2025 by 0.2 points at the same age (0.5% vs 0.6%), on 1,797 loans still observed at that month."]},"lender_Bridgecrest":{"ever60":{"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.21,0.97,2.36,4.5,6.93,9.29,10.91,12.44,14.48,16.69,19.02,20.97,22.53,23.85,25.14,26.6,28.0,29.59,30.54],"n":[29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,24312,15302],"loans":29519}},"roll":{"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10],"v":[0.01,34.15,43.76,49.15,52.15,54.72,56.93,59.5,63.46,66.08,67.99],"n":[8881,8501,8063,7656,7252,6824,6469,5968,5260,4649,4068],"loans":8881}},"everext":{"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.02,0.07,0.15,0.19,0.23,0.46,3.41,9.5,14.99,18.98,21.85,23.93,25.98,27.91,29.53,30.92,31.84,32.88,33.85,35.32,37.36],"n":[29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,24312,15302],"loans":29519}},"rollext":{"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11],"v":[0.04,0.47,1.16,4.02,7.83,12.03,15.63,18.6,20.83,22.7,24.77,25.91],"n":[10445,10140,9815,9555,9251,8974,8547,7905,7330,6709,5942,5059],"loans":10445}},"meta":{"2025":{"loans":29519,"ever60":8881,"everext":10451,"trusts":["BLAST-2025-1"],"lenders":["Bridgecrest"]}},"reads":[]},"lender_CarMax":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.01,0.07,0.19,0.31,0.4,0.57,0.77,0.98,1.23,1.56,1.9,2.19,2.46,2.69,2.82,3.02,3.21,3.47,3.68,3.84,4.03,4.23,4.43,4.64,4.82,4.99,5.1,5.26,5.41,5.53,5.71,5.86,6.0,6.15,6.34,6.51,6.67,6.77,6.86,6.97,7.09,7.2,7.31,7.4,7.48,7.57],"n":[36102,36102,36102,35954,35528,35088,34723,34679,34677,34677,34677,34677,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676],"loans":36102},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.01,0.13,0.37,0.65,0.95,1.26,1.68,2.09,2.51,2.94,3.4,3.79,4.21,4.61,4.84,5.1,5.42,5.7,6.02,6.33,6.6,6.89,7.15,7.43,7.69,7.9,8.1,8.31,8.5,8.71,8.91,9.09,9.26,9.42,9.57,9.79,9.96,10.09,10.22,10.38,10.54,10.7,10.84,10.96,11.1,11.22],"n":[42414,42414,42414,42414,42414,42411,42411,42411,42411,42411,42411,42411,42411,42411,42411,42411,42410,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409],"loans":42414},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45],"v":[0.0,0.0,0.0,0.01,0.06,0.33,0.73,1.1,1.51,1.88,2.21,2.66,3.0,3.44,3.85,4.21,4.52,4.82,5.1,5.41,5.6,5.81,6.05,6.37,6.6,6.86,7.1,7.36,7.56,7.79,8.06,8.3,8.56,8.84,9.06,9.31,9.54,9.77,9.96,10.18,10.34,10.5,10.64,10.8,10.92,11.68],"n":[19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19525,19525,13663],"loans":19526},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,0.0,0.0,0.0,0.12,0.34,0.64,0.95,1.32,1.66,1.97,2.33,2.65,2.97,3.34,3.67,4.03,4.25,4.58,4.87,5.17,5.43,5.7,5.94,6.18,6.45,6.74,7.03,7.31,7.56,7.79,8.03,8.22,8.53],"n":[25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,20382],"loans":25915},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.0,0.01,0.03,0.11,0.19,0.29,0.38,0.44,0.54,0.67,0.76,0.9,1.04,1.15,1.28,1.35,1.46,1.57,1.71],"n":[27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,22020],"loans":27945}},"roll":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31],"v":[1.83,3.27,29.11,31.8,33.63,35.21,37.59,38.74,40.79,41.67,42.4,43.33,44.38,45.65,46.76,47.79,48.62,48.93,49.8,50.45,50.7,51.83,52.25,53.59,54.39,55.17,55.44,56.16,56.46,57.18,58.3,58.84],"n":[2729,2689,2649,2613,2587,2559,2522,2483,2442,2402,2368,2340,2294,2232,2175,2107,2067,2009,1960,1901,1862,1802,1755,1711,1651,1586,1517,1444,1369,1303,1247,1171],"loans":2730},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35],"v":[2.48,4.26,32.62,35.41,37.06,39.16,41.08,43.12,44.48,46.04,47.15,47.98,48.72,49.57,50.39,51.47,52.54,53.03,53.7,54.07,54.8,55.31,55.93,56.72,57.77,58.32,58.96,59.88,60.32,60.6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809,3572,3276,2999,2766],"loans":6858},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30],"v":[0.27,0.3,0.41,0.78,1.85,3.67,5.51,7.04,8.09,9.19,10.18,11.47,12.52,13.75,14.54,15.33,16.19,16.97,17.67,18.16,18.86,19.79,20.96,22.06,23.08,23.4,23.56,24.21,25.16,25.81,26.04],"n":[2995,2976,2952,2934,2918,2890,2870,2840,2794,2754,2692,2650,2596,2538,2482,2433,2384,2340,2286,2208,2126,2047,1923,1831,1720,1598,1524,1458,1395,1333,1252],"loans":2995},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20],"v":[0.25,0.28,0.43,0.7,1.62,3.63,5.34,6.58,7.81,9.28,10.78,11.94,13.02,13.82,14.79,15.76,16.18,17.18,18.07,18.65,19.65],"n":[3590,3536,3486,3436,3395,3333,3261,3206,3097,2985,2856,2738,2627,2510,2386,2272,2176,2066,1937,1775,1583],"loans":3590},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10],"v":[0.28,0.29,0.5,0.63,2.09,3.97,4.98,5.71,6.75,7.48,8.6],"n":[1090,1041,1006,955,907,857,803,735,652,575,465],"loans":1090}},"meta":{"2021":{"loans":36102,"ever60":2730,"everext":3703,"trusts":["CARMX-2021-1"],"lenders":["CarMax"]},"2022":{"loans":42414,"ever60":4955,"everext":6859,"trusts":["CARMX-2022-1"],"lenders":["CarMax"]},"2023":{"loans":19526,"ever60":2147,"everext":3001,"trusts":["CARMX-2023-1"],"lenders":["CarMax"]},"2024":{"loans":25915,"ever60":2204,"everext":3590,"trusts":["CARMX-2024-1"],"lenders":["CarMax"]},"2025":{"loans":27945,"ever60":476,"everext":1090,"trusts":["CARMX-2025-1"],"lenders":["CarMax"]}},"reads":["At month 21 on book, the worst vintage on file is 2022 at 6.0% ever 60+ (1 trust); the latest, 2025, sits at 1.7%, 4.3 points below it.","The 2025 vintage is below 2024 by 3.7 points at the same age (1.7% vs 5.4%), on 22,020 loans still observed at that month.","The two vintages first separate by a full point at month 8.","2.3% of the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 6.0%.","Of 2025 loans that reached 60+, 59% had charged off within 8 months of first going 60+.","The 2024 vintage was at 53% at the same point after first 60+."]},"lender_Carvana":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.06,0.09,0.13,0.22,0.32,0.42,0.51,0.64,0.78,0.95,1.11,1.24,1.38,1.5,1.64,1.79,1.93,2.06,2.15,2.26,2.39,2.57,2.72,2.85,2.96,3.08,3.24,3.41,3.62,3.79,3.97,4.13,4.26,4.41,4.58,4.7,4.83,4.96,5.12,5.28,5.42,5.56,5.68,5.81,5.92,6.04],"n":[21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403],"loans":21403},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.04,0.09,0.21,0.32,0.45,0.57,0.71,0.92,1.13,1.35,1.54,1.72,1.95,2.18,2.44,2.73,3.0,3.27,3.58,3.92,4.17,4.43,4.69,4.97,5.18,5.43,5.7,5.95,6.19,6.39,6.62,6.83,7.05,7.28,7.46,7.61,7.82,8.01,8.24,8.45,8.65,8.8,8.96,9.14,9.26,9.39],"n":[40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426],"loans":40426},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27],"v":[0.0,0.0,0.0,0.05,0.13,0.23,0.35,0.5,0.71,0.9,1.14,1.37,1.57,1.87,2.1,2.38,2.63,2.91,3.15,3.42,3.76,4.01,4.19,4.38,4.57,4.83,5.04,5.42],"n":[20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,12382],"loans":20665},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18],"v":[0.0,0.0,0.0,0.06,0.16,0.25,0.43,0.58,0.76,0.95,1.2,1.49,1.73,1.98,2.22,2.45,2.75,2.99,3.58],"n":[24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,12656],"loans":24412}},"roll":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34],"v":[0.06,6.11,37.69,41.27,43.7,45.11,46.74,48.64,50.18,51.66,52.57,53.49,54.18,54.99,55.86,57.12,57.7,58.49,59.26,59.31,59.76,60.95,61.1,61.61,62.07,62.99,63.79,64.33,65.11,65.76,66.58,66.39,66.24,66.21,66.77],"n":[1567,1556,1539,1524,1501,1472,1457,1433,1409,1382,1360,1331,1305,1293,1271,1243,1215,1190,1166,1128,1101,1073,1036,1008,978,943,917,883,854,806,775,735,699,663,638],"loans":1567},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31],"v":[0.0,4.93,46.07,49.5,51.16,52.84,53.9,55.23,56.55,57.63,58.39,59.19,59.89,60.81,61.9,62.84,63.76,64.3,65.09,65.73,66.39,67.12,67.52,67.78,68.67,69.7,70.55,70.52,71.49,71.74,72.33,73.09],"n":[4062,4020,3974,3939,3874,3836,3785,3728,3666,3597,3523,3462,3386,3302,3210,3132,3035,2978,2913,2833,2728,2649,2543,2477,2365,2264,2163,2069,1968,1872,1767,1650],"loans":4062},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13],"v":[0.0,4.85,50.41,53.12,54.74,55.41,57.86,59.65,61.99,63.85,66.78,69.35,70.06,69.75],"n":[1076,1031,982,945,908,859,814,751,692,650,596,535,481,433],"loans":1076},"2025":{"m":[0,1,2,3,4,5,6,7],"v":[0.0,6.06,49.62,53.0,54.05,56.16,57.42,60.41],"n":[772,709,651,583,518,463,411,341],"loans":772}},"everext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.01,0.11,0.15,0.17,0.18,0.22,0.29,0.43,0.56,0.63,0.77,0.93,1.0,1.1,1.19,1.28,1.45,1.61,1.79,2.02,2.2,2.39,2.49,2.62,2.68,2.76,2.87,2.94,3.02,3.14,3.24,3.4,3.52,3.68,3.81,3.95,4.04,4.14,4.25,4.32,4.42,4.58,4.71,4.93,5.09,5.24,5.4,5.53],"n":[21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403,21403],"loans":21403},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.02,0.18,0.26,0.33,0.42,0.53,0.77,1.05,1.33,1.56,1.76,1.97,2.16,2.32,2.53,2.73,2.94,3.2,3.48,3.71,3.95,4.14,4.32,4.56,4.77,5.01,5.17,5.37,5.61,5.86,6.2,6.54,6.84,7.09,7.36,7.56,7.8,7.98,8.22,8.45,8.65,8.83,9.0,9.15,9.29,9.42,9.51,9.63],"n":[40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426,40426],"loans":40426},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27],"v":[0.0,0.01,0.24,0.3,0.4,0.51,0.6,0.82,1.49,2.11,2.54,3.0,3.41,3.84,4.29,4.66,4.99,5.34,5.58,5.88,6.13,6.35,6.52,6.66,6.87,7.02,7.19,7.79],"n":[20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,20665,12382],"loans":20665},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18],"v":[0.0,0.05,0.22,0.29,0.35,0.43,0.52,0.67,1.19,1.77,2.25,2.66,3.05,3.29,3.54,3.84,4.1,4.37,4.86],"n":[24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,24412,12656],"loans":24412}},"rollext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35],"v":[0.0,0.0,0.21,0.43,0.93,3.41,4.91,6.64,7.42,8.2,8.85,10.0,11.2,12.52,13.62,14.15,14.93,15.82,16.17,16.99,17.09,18.18,18.85,19.44,19.86,20.12,20.54,20.87,21.04,21.5,21.52,22.14,22.05,22.42,22.79,22.73],"n":[1443,1436,1421,1410,1397,1380,1365,1340,1307,1293,1265,1240,1205,1182,1153,1124,1092,1043,1008,977,948,924,907,885,866,835,808,786,751,721,697,664,644,629,610,594],"loans":1443},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[0.0,0.12,0.23,0.51,2.04,4.78,6.48,8.02,9.51,10.68,11.97,12.89,14.23,15.61,16.24,16.77,17.84,18.76,19.65,20.7,21.64,22.01,23.25,24.09,24.75,25.15,25.66,26.08,26.74,27.36,27.72,28.39,28.57],"n":[4041,4005,3977,3946,3921,3891,3856,3827,3765,3717,3658,3600,3549,3453,3369,3279,3173,3097,3028,2922,2819,2717,2563,2428,2299,2199,2124,2051,1963,1908,1789,1691,1617],"loans":4041},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15],"v":[0.0,0.0,0.35,0.57,2.12,4.38,6.19,7.48,8.95,9.93,10.81,12.26,12.88,13.81,14.45,14.93],"n":[1516,1478,1440,1400,1371,1347,1309,1256,1196,1138,1082,1028,963,869,768,690],"loans":1516},"2025":{"m":[0,1,2,3,4,5,6,7,8],"v":[0.0,0.0,0.31,0.44,1.55,2.98,3.51,4.52,5.32],"n":[1094,1032,969,902,839,773,712,598,489],"loans":1094}},"meta":{"2021":{"loans":21403,"ever60":1567,"everext":1447,"trusts":["CRVNA-2021-P1"],"lenders":["Carvana"]},"2022":{"loans":40426,"ever60":4062,"everext":4057,"trusts":["CRVNA-2022-P1"],"lenders":["Carvana"]},"2024":{"loans":20665,"ever60":1076,"everext":1516,"trusts":["CRVNA-2024-P2"],"lenders":["Carvana"]},"2025":{"loans":24412,"ever60":772,"everext":1104,"trusts":["CRVNA-2025-P1"],"lenders":["Carvana"]}},"reads":["At month 18 on book, the 2025 vintage is the worst on file at 3.6% ever 60+ (1 trust), against 2.6% averaged over the 2021, 2022, 2024 vintages.","The 2025 vintage is above 2024 by 0.4 points at the same age (3.6% vs 3.1%), on 12,656 loans still observed at that month.","3.3% of the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 3.8%.","Of 2025 loans that reached 60+, 60% had charged off within 7 months of first going 60+.","The 2024 vintage was at 60% at the same point after first 60+."]},"lender_Exeter":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.78,2.27,3.64,5.37,6.96,8.76,10.37,11.91,13.58,14.75,16.22,17.46,19.15,20.32,21.42,22.71,24.0,25.24,26.32,27.21,27.97,28.96,29.73,30.5,31.03,31.55,31.67,31.81,32.37,32.99,33.19,33.31,33.33,33.88,34.38,34.87,34.89,34.63,34.3,34.55,34.86,35.2,35.22,35.12,34.97,35.22],"n":[36991,36991,36989,36978,36950,36872,36830,36817,36807,36799,36789,36761,36720,36690,36685,36681,36677,36676,36674,36672,36670,36582,36445,36263,36251,36242,36237,36232,36034,35752,35465,35441,35422,35157,34858,34519,34472,34431,34431,34181,33838,33477,33438,33407,33377,33184,32917,32610,32553],"loans":36991},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,1.39,3.77,6.37,9.11,11.61,13.94,16.08,18.03,20.03,22.09,23.97,25.66,27.08,28.27,29.49,30.71,32.1,33.3,34.23,34.97,35.82,36.83,37.8,38.28,38.16,37.98,38.33,38.98,39.62,39.84,39.7,39.7,40.0,40.63,41.29,41.45,41.16,40.92,41.08,41.51,41.98,42.44,42.24,41.19,39.88,39.37],"n":[51559,48974,44083,39403,37552,37529,37508,37487,37473,37451,37380,37335,37314,37312,37308,37302,37299,37292,37284,37260,37206,37020,36834,36722,36675,36655,36360,35814,35290,35053,35000,34948,34681,34187,33752,33538,33488,33469,33181,32671,32184,31946,31915,31886,31865,31425,30577,29602,29074],"loans":51559},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43],"v":[0.0,0.0,0.0,0.65,2.28,4.54,7.11,9.52,11.79,13.74,15.63,17.66,19.59,21.49,23.2,24.64,25.84,27.17,28.42,29.74,31.03,32.21,33.26,34.34,35.46,36.59,37.32,37.37,37.41,37.93,38.75,39.55,40.37,40.49,39.36,37.77,37.6,38.09,38.44,38.31,38.05,38.36,38.9,39.74],"n":[27441,27441,27441,27422,27406,27393,27377,27365,27349,27343,27326,27291,27280,27268,27267,27264,27260,27257,27252,27249,27234,27169,27065,27000,26967,26941,26781,26369,25937,25804,25786,25759,25727,25349,24453,23434,22999,22910,22752,22417,22061,21947,21854,18106],"loans":27441},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,0.0,0.0,0.04,0.95,2.61,4.45,6.27,7.97,9.89,11.81,13.74,15.64,17.49,19.43,21.31,22.84,24.19,25.42,26.95,28.33,29.84,31.14,31.54,31.14,30.91,31.94,33.04,33.31,33.26,33.23,34.13,35.3,36.91],"n":[31276,31276,31276,31276,31272,31262,31014,30992,30963,30958,30952,30948,30938,30930,30923,30919,30914,30906,30885,30867,30861,30852,30826,30402,29624,28966,28820,28742,28380,27883,27487,27446,26833,18630],"loans":31276},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.34,1.14,2.45,3.96,5.53,7.17,8.83,10.4,12.04,13.56,15.12,16.62,18.12,19.43,20.37,21.35,22.67,24.73,26.1],"n":[53544,53544,53514,53465,53445,53426,53413,53392,53377,53368,53350,53331,53312,53279,53225,53130,53001,52782,52597,51150,42659,29752],"loans":53544}},"roll":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36],"v":[0.02,3.85,25.1,34.47,39.09,41.85,44.79,47.3,49.7,51.55,53.17,54.86,56.46,58.06,59.24,60.31,61.31,61.83,61.95,61.97,61.95,61.9,61.49,61.34,61.57,61.33,61.45,61.53,61.68,61.99,62.33,62.66,63.1,63.28,64.06,64.48,65.13],"n":[16238,16176,16069,15979,15906,15831,15744,15666,15567,15434,15319,15181,15060,14906,14754,14597,14435,14065,13591,13053,12506,12012,11380,10898,10489,10081,9663,9317,8984,8679,8385,8126,7704,7619,7278,6898,6634],"loans":16267},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31],"v":[0.02,3.53,31.05,42.47,48.26,51.5,54.51,57.11,59.32,61.14,62.57,63.93,65.13,66.24,67.2,68.03,68.86,69.18,69.0,68.9,68.53,67.71,67.11,66.4,66.63,66.92,67.02,66.97,67.14,67.59,67.67,68.45],"n":[20228,20128,19997,19868,19740,19644,19505,19350,19187,19015,18838,18590,18317,18006,17694,17335,17028,16408,15617,14847,14002,13074,12215,11517,11047,10655,10206,9779,9387,9067,8730,8358],"loans":20230},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23],"v":[0.08,4.5,33.58,45.05,50.62,53.64,56.21,58.77,60.75,62.6,64.24,65.29,66.45,67.2,67.72,67.85,68.31,68.54,68.56,68.64,68.8,68.1,67.37,66.7],"n":[13784,13656,13513,13351,13203,13064,12894,12711,12505,12271,12041,11680,11275,10866,10440,9973,9583,9123,8570,8043,7458,6838,6245,5648],"loans":13786},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16],"v":[0.05,3.88,31.01,42.36,48.46,51.73,54.8,57.51,59.36,61.23,62.57,63.47,64.08,64.29,63.85,63.05,62.8],"n":[13193,12937,12631,12350,12080,11812,11506,11098,10681,10279,9890,9298,8560,7842,7002,6276,5599],"loans":13197},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10],"v":[0.04,3.76,28.68,39.34,45.43,48.43,51.73,54.75,57.27,58.96,60.06],"n":[13590,12982,12282,11637,10961,10338,9643,8667,7762,6886,6031],"loans":13601}},"everext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.01,0.1,0.57,2.38,6.61,11.2,15.03,18.07,20.08,21.61,23.03,24.84,26.3,27.39,28.53,29.81,30.97,32.16,33.29,34.27,35.12,35.76,36.27,36.61,37.31,37.89,38.44,38.84,39.28,39.59,39.88,40.2,40.61,41.01,41.35,41.46,41.37,41.2,41.37,41.56,41.72,41.71,41.65,41.48,41.6],"n":[36991,36991,36989,36978,36950,36872,36830,36817,36807,36799,36789,36761,36720,36690,36685,36681,36677,36676,36674,36672,36670,36582,36445,36263,36251,36242,36237,36232,36034,35752,35465,35441,35422,35157,34858,34519,34472,34431,34431,34181,33838,33477,33438,33407,33377,33184,32917,32610,32553],"loans":36991},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.01,0.05,0.24,1.6,5.19,10.45,15.2,18.97,21.99,24.55,26.87,28.73,30.19,31.6,32.87,33.97,35.08,36.13,37.31,38.33,39.29,40.14,40.89,41.73,42.6,43.4,43.88,44.24,44.69,45.0,45.26,45.4,45.64,45.99,46.27,46.26,46.11,45.84,45.86,46.03,46.25,46.45,46.22,45.59,44.84,44.53],"n":[51559,48974,44083,39403,37552,37529,37508,37487,37473,37451,37380,37335,37314,37312,37308,37302,37299,37292,37284,37260,37206,37020,36834,36722,36675,36655,36360,35814,35290,35053,35000,34948,34681,34187,33752,33538,33488,33469,33181,32671,32184,31946,31915,31886,31865,31425,30577,29602,29074],"loans":51559},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43],"v":[0.0,0.0,0.0,0.01,0.04,0.34,1.61,4.94,9.74,14.33,17.97,21.16,24.26,26.74,28.68,30.16,31.44,32.7,33.76,35.01,36.07,37.2,38.27,39.23,39.94,40.68,41.48,42.46,43.24,43.75,44.19,44.59,45.07,45.41,45.21,44.81,44.88,45.15,45.25,45.18,44.92,44.98,45.19,45.85],"n":[27441,27441,27441,27422,27406,27393,27377,27365,27349,27343,27326,27291,27280,27268,27267,27264,27260,27257,27252,27249,27234,27169,27065,27000,26967,26941,26781,26369,25937,25804,25786,25759,25727,25349,24453,23434,22999,22910,22752,22417,22061,21947,21854,18106],"loans":27441},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,0.0,0.02,0.07,0.18,0.52,1.9,4.95,9.89,14.42,18.25,21.66,24.49,27.04,28.97,30.74,32.21,33.31,34.5,35.61,36.76,37.9,38.94,40.14,41.48,42.61,43.38,44.09,44.54,44.76,44.9,45.3,45.87,47.3],"n":[31276,31276,31276,31276,31272,31262,31014,30992,30963,30958,30952,30948,30938,30930,30923,30919,30914,30906,30885,30867,30861,30852,30826,30402,29624,28966,28820,28742,28380,27883,27487,27446,26833,18630],"loans":31276},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.01,0.03,0.22,0.64,1.59,3.17,6.2,10.31,14.3,17.74,20.56,23.12,25.41,27.33,29.0,30.44,31.7,32.77,33.95,36.13,38.03],"n":[53544,53544,53514,53465,53445,53426,53413,53392,53377,53368,53350,53331,53312,53279,53225,53130,53001,52782,52597,51150,42659,29752],"loans":53544}},"rollext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36],"v":[0.03,0.1,0.4,1.19,3.24,6.34,9.45,11.76,13.41,15.08,16.81,18.58,20.07,21.6,23.18,24.76,26.31,27.62,28.96,30.13,30.9,31.69,32.29,32.9,33.08,33.24,33.48,33.79,34.2,34.48,34.93,35.09,35.12,35.51,36.02,36.47,36.75],"n":[16017,15978,15942,15908,15871,15834,15803,15772,15738,15701,15649,15604,15526,15449,15386,15310,15226,15150,15071,14954,14798,14579,14305,14021,13683,13353,13047,12788,12508,12247,11954,11646,11337,11245,10821,10507,10132],"loans":16017},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36],"v":[0.02,0.07,0.69,1.92,5.12,9.46,13.13,15.81,18.02,20.01,22.29,24.38,26.43,28.42,30.25,31.95,33.56,35.07,36.47,37.56,38.23,38.78,39.45,39.55,39.74,39.95,40.17,40.47,40.95,41.23,41.53,42.03,42.38,42.93,43.41,44.04,44.33],"n":[17800,17760,17718,17680,17645,17604,17566,17512,17455,17388,17324,17252,17165,17096,16998,16916,16812,16711,16577,16348,16082,15777,15451,15069,14662,14231,13853,13488,13181,12842,12455,11988,11523,11134,10688,10279,9767],"loans":17800},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30],"v":[0.06,0.11,0.71,2.22,4.93,9.09,12.82,15.69,18.04,20.46,22.39,24.62,26.7,28.63,30.39,32.07,33.61,34.98,36.13,37.15,38.12,38.57,39.02,39.37,39.39,38.96,37.96,37.4,37.16,37.78,37.92],"n":[12799,12718,12659,12612,12564,12506,12418,12341,12234,12148,12032,11923,11792,11644,11517,11344,11146,10966,10725,10414,10100,9763,9336,8926,8444,7905,7341,6810,6345,5995,5564],"loans":12799},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.02,0.08,0.63,2.02,4.54,8.12,11.32,14.03,16.47,18.75,21.14,23.16,25.11,27.05,28.56,29.67,30.01,29.96,30.43,30.67,31.36,31.62],"n":[14111,13970,13844,13733,13627,13481,13301,13088,12820,12584,12266,11933,11601,11208,10750,10248,9730,9199,8656,7966,7203,6489],"loans":14111},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11],"v":[0.07,0.1,0.48,1.49,3.73,7.03,10.12,12.58,14.98,17.37,19.83,22.14],"n":[18783,18098,17543,16998,16484,15939,15171,14224,12981,11833,10389,8738],"loans":18783}},"meta":{"2021":{"loans":36991,"ever60":16267,"everext":16017,"trusts":["EART-2021-1"],"lenders":["Exeter"]},"2022":{"loans":51559,"ever60":20230,"everext":17803,"trusts":["EART-2022-1"],"lenders":["Exeter"]},"2023":{"loans":27441,"ever60":13786,"everext":12799,"trusts":["EART-2023-1"],"lenders":["Exeter"]},"2024":{"loans":31276,"ever60":13197,"everext":14127,"trusts":["EART-2024-1"],"lenders":["Exeter"]},"2025":{"loans":53544,"ever60":13601,"everext":18818,"trusts":["EART-2025-1"],"lenders":["Exeter"]}},"reads":["At month 21 on book, the worst vintage on file is 2022 at 34.2% ever 60+ (1 trust); the latest, 2025, sits at 26.1%, 8.1 points below it.","The 2025 vintage is below 2024 by 3.7 points at the same age (26.1% vs 29.8%), on 29,752 loans still observed at that month.","The two vintages first separate by a full point at month 9.","25.4% of the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 27.0%.","Of 2025 loans that reached 60+, 60% had charged off within 10 months of first going 60+.","The 2024 vintage was at 63% at the same point after first 60+."]},"lender_Ford":{"ever60":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47],"v":[0.0,0.0,0.0,0.04,0.04,0.07,0.12,0.13,0.16,0.18,0.2,0.26,0.26,0.28,0.31,0.34,0.37,0.35,0.4,0.51,0.55,0.69,0.74,0.77,0.78,0.87,0.9,0.97,0.98,1.01,1.0,1.04,1.07,1.11,1.2,1.27,1.38,1.52,1.68,1.82,1.88,1.83,1.87,1.87,1.96,1.98,2.0,2.0],"n":[10654,10654,10618,10561,10479,10353,10236,10106,9970,9854,9727,9593,9458,9353,9258,9139,9030,8932,8798,8690,8593,8492,8390,8284,8186,8085,7964,7857,7748,7639,7516,7415,7300,7213,7096,6956,6799,6326,6058,5949,5855,5738,5622,5505,5405,5308,5201,5096],"loans":10654},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18],"v":[0.0,0.0,0.0,0.01,0.05,0.14,0.2,0.24,0.29,0.35,0.44,0.53,0.52,0.6,0.62,0.7,0.81,0.87,0.86],"n":[14429,13666,12263,9705,7755,7681,7606,7537,7461,7366,7281,7195,7122,7037,6957,6863,6771,6684,5845],"loans":14429}},"roll":{"2022":{"m":[0,1,2],"v":[0.0,10.87,15.0],"n":[238,230,200],"loans":238}},"everext":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47],"v":[0.0,0.05,0.08,0.2,0.29,0.61,1.02,1.78,2.43,2.96,3.37,3.95,4.28,4.89,5.37,5.7,5.95,6.17,6.43,6.62,6.99,7.34,7.54,7.67,7.96,8.31,8.54,8.72,8.98,9.15,9.38,9.59,9.77,10.07,10.32,10.57,10.96,11.81,12.28,12.44,12.66,12.64,12.56,12.68,12.75,12.94,13.07,13.05],"n":[10654,10654,10618,10561,10479,10353,10236,10106,9970,9854,9727,9593,9458,9353,9258,9139,9030,8932,8798,8690,8593,8492,8390,8284,8186,8085,7964,7857,7748,7639,7516,7415,7300,7213,7096,6956,6799,6326,6058,5949,5855,5738,5622,5505,5405,5308,5201,5096],"loans":10654},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18],"v":[0.0,0.01,0.07,0.22,0.58,0.83,1.58,2.49,3.44,4.15,5.04,5.66,6.29,6.78,7.2,7.46,7.65,8.02,8.2],"n":[14429,13666,12263,9705,7755,7681,7606,7537,7461,7366,7281,7195,7122,7037,6957,6863,6771,6684,5845],"loans":14429}},"rollext":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27],"v":[0.0,0.36,0.09,0.09,0.29,0.3,0.82,0.53,0.76,0.66,0.23,0.12,0.12,0.25,0.65,0.94,0.56,0.44,0.0,0.61,0.48,0.17,0.68,0.36,0.38,0.2,0.82,0.0],"n":[1149,1125,1091,1069,1035,1003,977,952,926,905,876,851,830,804,772,744,715,688,668,653,623,602,586,554,531,510,490,467],"loans":1149},"2025":{"m":[0,1,2,3,4,5,6,7,8,9],"v":[0.15,0.47,0.67,0.0,1.5,1.63,0.67,0.98,1.13,1.95],"n":[662,633,601,563,534,491,447,408,354,307],"loans":662}},"meta":{"2022":{"loans":10654,"ever60":238,"everext":1149,"trusts":["FORDO-2022-A"],"lenders":["Ford"]},"2025":{"loans":14429,"ever60":94,"everext":662,"trusts":["FORDO-2025-A"],"lenders":["Ford"]}},"reads":["At month 18 on book, the 2025 vintage is the worst on file at 0.9% ever 60+ (1 trust), against 0.4% averaged over the 2022 vintages.","The 2025 vintage is above 2022 by 0.5 points at the same age (0.9% vs 0.4%), on 5,845 loans still observed at that month.","6.8% of the 2025 vintage had been extended at least once by month 13, above the highest prior vintage at 4.9%."]},"lender_GM Financial":{"ever60":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.03,0.08,0.09,0.14,0.18,0.27,0.24,0.3,0.4,0.38,0.44,0.45,0.55,0.62,0.67,0.68,0.72,0.8,0.71,0.83,0.91,0.96,0.93,0.98,1.04,1.06,1.08,1.14,1.13,1.2,1.27,1.38,1.41,1.44,1.56,1.59,1.68,1.76,1.85,1.96],"n":[4061,4061,4061,4061,4061,3981,3888,3802,3705,3632,3573,3505,3453,3408,3372,3302,3302,3261,3184,3184,3129,3096,3054,2996,2955,2910,2867,2824,2784,2756,2710,2681,2647,2592,2544,2499,2456,2399,2335,2286,2245,2196,2154,2120,2077,2029,1984,1945,1889],"loans":4061},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35],"v":[0.0,0.0,0.0,0.0,0.02,0.15,0.2,0.2,0.22,0.21,0.27,0.36,0.47,0.55,0.51,0.54,0.64,0.77,0.83,0.96,0.95,0.98,0.9,1.07,1.1,1.12,1.2,1.23,1.34,1.41,1.45,1.48,1.42,1.33,1.5,1.54],"n":[5228,5228,5228,5228,5228,5166,5085,5005,4917,4836,4759,4696,4650,4580,4511,4441,4372,4299,4227,4161,4088,3993,3902,3826,3742,3646,3573,3492,3426,3338,3252,3180,3102,3013,2924,2854],"loans":5228}},"roll":{},"everext":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.02,0.03,0.03,0.21,0.46,0.58,0.78,0.97,1.22,1.67,1.93,1.94,2.36,2.64,2.7,2.8,2.88,3.2,3.41,3.64,4.03,4.33,4.29,4.57,4.71,4.75,4.98,5.07,5.14,5.13,5.5,5.72,5.86,5.96,6.17,6.47,6.59,6.6,6.69,6.79,6.98,7.24,7.36,7.46,7.62],"n":[4061,4061,4061,4061,4061,3981,3888,3802,3705,3632,3573,3505,3453,3408,3372,3302,3302,3261,3184,3184,3129,3096,3054,2996,2955,2910,2867,2824,2784,2756,2710,2681,2647,2592,2544,2499,2456,2399,2335,2286,2245,2196,2154,2120,2077,2029,1984,1945,1889],"loans":4061},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.04,0.18,0.35,0.6,0.95,1.17,1.42,1.59,2.06,2.34,2.61,2.88,3.15,3.22,3.55,3.93,4.05,4.18,4.38,4.55,4.73,4.9,5.14,5.42,5.72,5.85,6.06,6.07,6.29,6.48],"n":[5228,5228,5228,5228,5228,5166,5085,5005,4917,4836,4759,4696,4650,4580,4511,4441,4372,4299,4227,4161,4088,3993,3902,3826,3742,3646,3573,3492,3426,3338,3252,3180,3102,3013,2924,2854],"loans":5228}},"rollext":{"2022":{"m":[0,1,2],"v":[0.0,0.0,0.49],"n":[217,213,205],"loans":217},"2024":{"m":[0,1,2,3,4,5,6],"v":[0.0,0.0,0.82,0.85,2.61,2.7,3.76],"n":[252,248,243,236,230,222,213],"loans":252}},"meta":{"2022":{"loans":4061,"ever60":73,"everext":217,"trusts":["GMCAR-2022-1"],"lenders":["GM Financial"]},"2024":{"loans":5228,"ever60":117,"everext":252,"trusts":["GMCAR-2024-1"],"lenders":["GM Financial"]}},"reads":["At month 35 on book, the 2024 vintage is the worst on file at 1.5% ever 60+ (1 trust), against 1.1% averaged over the 2022 vintages.","The 2024 vintage is above 2022 by 0.5 points at the same age (1.5% vs 1.1%), on 2,854 loans still observed at that month.","1.6% of the 2024 vintage had been extended at least once by month 13, below the highest prior vintage at 1.7%."]},"lender_GM Financial (AmeriCredit)":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.01,0.1,0.26,0.55,0.88,1.35,1.61,2.01,2.36,2.82,3.33,3.9,4.39,4.79,5.03,5.47,5.96,6.5,7.08,7.54,8.15,8.8,9.53,10.17,10.63,10.98,11.21,11.59,11.88,12.25,12.64,13.01,13.37,13.74,14.27,14.82,14.99,15.32,15.56,15.8,16.33,16.61,16.95,17.46,17.76,18.1],"n":[16816,16816,16816,16813,16780,16670,16460,16237,15968,15634,15253,14933,14626,14280,13912,13585,13228,12875,12540,12241,11924,11645,11390,11103,10848,10650,10455,10293,10146,9957,9756,9565,9381,9203,9044,8868,8710,8519,8362,8219,8082,7932,7785,7636,7488,7346,7189,7034,6877],"loans":16816},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.29,0.77,1.35,2.04,2.75,3.53,4.18,4.68,5.57,6.43,6.88,7.64,8.04,8.39,8.77,9.16,9.73,10.29,10.83,11.42,12.03,12.74,13.14,13.66,13.89,14.07,14.54,15.03,15.25,15.69,16.56,16.9,17.13,16.98,17.0,17.4,18.19,18.73,19.3,19.6,20.03,20.72,21.06,21.78,22.26,22.84],"n":[10032,10032,10025,9971,9873,9732,9566,9376,9197,9016,8843,8713,8554,8429,8308,8188,8065,7932,7824,7677,7568,7458,7335,7216,7104,7004,6883,6754,6646,6583,6466,6335,6215,6160,6025,5867,5666,5530,5522,5460,5349,5217,5096,4982,4865,4734,4610,4502,4401],"loans":10032},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43],"v":[0.0,0.0,0.0,0.08,0.36,0.88,1.6,2.34,3.22,3.97,4.6,5.13,6.06,6.91,7.6,8.38,8.97,9.66,10.21,10.82,11.44,12.16,12.93,13.76,14.35,15.06,15.88,16.16,16.58,16.89,17.27,17.72,18.15,18.39,18.67,19.14,19.72,20.32,20.66,20.92,21.23,21.34,21.54,21.73],"n":[13181,13181,13181,13171,13116,13005,12844,12697,12506,12344,12162,11955,11772,11594,11414,11270,11081,10912,10723,10525,10358,10191,10043,9858,9675,9505,9343,9167,8977,8815,8608,8419,8216,8030,7846,7675,7490,7327,7167,7008,6839,6655,6463,6296],"loans":13181},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29],"v":[0.0,0.0,0.02,0.38,1.23,2.21,3.48,4.57,5.35,6.23,7.06,8.1,8.8,9.28,9.9,10.44,11.02,11.71,12.53,13.2,13.87,14.57,15.28,16.02,16.36,16.75,17.06,17.35,17.56,18.13],"n":[15013,15013,15011,14960,14847,14709,14562,14383,14182,13970,13749,13568,13343,13142,12918,12677,12395,12168,11913,11658,11429,11213,10962,10729,10525,10305,10098,9852,9603,8826],"loans":15013}},"roll":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[0.07,1.75,21.6,21.76,21.26,19.75,19.1,19.23,18.47,18.83,19.12,18.9,18.18,17.99,16.78,17.1,16.49,16.25],"n":[2759,2740,2648,2362,2168,2020,1895,1815,1716,1636,1548,1492,1419,1362,1299,1257,1207,1157],"loans":2759},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16],"v":[0.2,2.44,23.13,23.86,22.73,21.75,20.39,20.23,19.67,19.26,19.28,18.87,18.61,18.0,17.3,17.55,17.55],"n":[2444,2415,2304,2045,1887,1747,1623,1532,1449,1376,1312,1235,1182,1128,1081,1043,997],"loans":2444},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12],"v":[0.12,2.45,27.98,27.97,29.1,27.83,27.09,25.57,25.08,25.68,24.63,23.87,22.55],"n":[3428,3394,3277,2839,2629,2397,2204,2022,1894,1760,1636,1533,1437],"loans":3428},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10],"v":[0.22,1.86,25.5,25.86,27.15,25.88,23.62,22.93,22.49,21.29,19.39],"n":[3199,3120,2996,2583,2383,2152,1960,1788,1632,1470,1346],"loans":3201}},"everext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.01,0.06,0.19,0.46,1.4,3.72,6.37,8.78,11.18,13.23,15.37,17.51,19.29,20.77,21.89,22.87,24.02,25.34,26.76,28.04,29.36,30.56,31.68,32.82,34.0,34.69,35.53,36.3,36.95,37.61,38.57,39.44,40.04,40.78,41.48,42.15,42.6,43.01,43.34,43.88,44.38,44.81,45.33,45.74,46.37,47.0],"n":[16816,16816,16816,16813,16780,16670,16460,16237,15968,15634,15253,14933,14626,14280,13912,13585,13228,12875,12540,12241,11924,11645,11390,11103,10848,10650,10455,10293,10146,9957,9756,9565,9381,9203,9044,8868,8710,8519,8362,8219,8082,7932,7785,7636,7488,7346,7189,7034,6877],"loans":16816},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.01,0.1,0.28,0.66,2.27,5.87,10.14,13.39,16.15,19.2,21.82,23.86,25.55,27.17,28.47,29.82,31.55,33.05,34.5,35.72,37.14,38.29,39.49,40.13,40.85,41.09,41.8,42.34,43.05,43.65,44.56,45.41,46.09,46.84,47.18,47.43,47.99,48.64,49.17,49.65,50.52,51.18,51.86,52.54,53.13,53.74],"n":[10032,10032,10025,9971,9873,9732,9566,9376,9197,9016,8843,8713,8554,8429,8308,8188,8065,7932,7824,7677,7568,7458,7335,7216,7104,7004,6883,6754,6646,6583,6466,6335,6215,6160,6025,5867,5666,5530,5522,5460,5349,5217,5096,4982,4865,4734,4610,4502,4401],"loans":10032},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43],"v":[0.0,0.0,0.0,0.01,0.03,0.16,0.57,2.09,6.28,10.97,15.03,18.26,21.23,24.09,26.42,28.4,29.98,31.19,32.57,34.28,35.6,37.03,38.51,39.62,40.82,41.96,43.02,43.81,44.59,45.24,45.89,46.6,47.19,48.07,48.71,49.49,50.04,50.48,51.44,52.07,52.45,52.79,52.96,52.99],"n":[13181,13181,13181,13171,13116,13005,12844,12697,12506,12344,12162,11955,11772,11594,11414,11270,11081,10912,10723,10525,10358,10191,10043,9858,9675,9505,9343,9167,8977,8815,8608,8419,8216,8030,7846,7675,7490,7327,7167,7008,6839,6655,6463,6296],"loans":13181},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29],"v":[0.0,0.0,0.01,0.07,0.29,0.75,1.77,3.75,8.19,13.15,17.36,21.17,23.94,26.08,28.21,30.24,32.46,34.34,36.22,37.76,39.29,40.77,42.19,43.42,44.69,45.55,46.4,47.16,47.76,48.6],"n":[15013,15013,15011,14960,14847,14709,14562,14383,14182,13970,13749,13568,13343,13142,12918,12677,12395,12168,11913,11658,11429,11213,10962,10729,10525,10305,10098,9852,9603,8826],"loans":15013}},"rollext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31],"v":[0.11,0.18,0.33,0.86,1.39,2.65,2.98,3.3,3.58,3.34,3.49,3.62,3.9,4.01,4.45,4.45,4.28,4.19,4.32,4.15,4.18,4.76,4.73,4.69,5.15,5.68,5.8,5.63,6.0,6.26,5.99,6.4],"n":[5550,5508,5442,5359,5256,5135,5008,4872,4724,4576,4468,4367,4259,4141,4045,3935,3833,3721,3632,3516,3398,3298,3194,3091,2990,2905,2812,2698,2600,2476,2352,2234],"loans":5550},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34],"v":[0.05,0.13,0.38,0.64,1.86,3.02,3.94,4.02,3.86,4.06,4.45,3.91,4.05,4.63,5.0,4.97,5.12,5.18,5.5,5.56,5.38,5.54,6.02,6.18,6.05,5.97,6.18,5.94,5.97,6.05,6.33,6.66,6.53,6.86,7.26],"n":[4000,3980,3944,3910,3876,3808,3727,3632,3522,3445,3369,3270,3206,3133,3059,2980,2930,2859,2784,2732,2678,2597,2523,2442,2365,2329,2248,2171,2095,2049,1974,1908,1808,1721,1638],"loans":4000},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27],"v":[0.14,0.24,0.53,1.27,2.4,4.14,5.28,5.7,6.28,6.23,6.12,6.22,6.49,7.04,7.43,7.35,7.33,7.22,7.43,7.22,7.39,7.75,7.6,7.39,7.6,7.7,8.02,8.67],"n":[5552,5515,5475,5427,5367,5284,5172,5032,4885,4748,4594,4469,4342,4207,4090,3959,3835,3698,3565,3422,3287,3135,2961,2816,2671,2519,2369,2225],"loans":5552},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[0.14,0.21,0.47,1.19,2.03,3.82,4.87,5.29,5.36,5.46,5.45,5.28,5.51,5.37,5.72,6.08,6.23,5.69],"n":[5914,5821,5714,5620,5517,5393,5212,4968,4737,4490,4235,4032,3793,3519,3270,3028,2795,2548],"loans":5914}},"meta":{"2021":{"loans":16816,"ever60":2759,"everext":5550,"trusts":["AMCAR-2021-1"],"lenders":["GM Financial (AmeriCredit)"]},"2022":{"loans":10032,"ever60":2444,"everext":4000,"trusts":["AMCAR-2022-1"],"lenders":["GM Financial (AmeriCredit)"]},"2023":{"loans":13181,"ever60":3428,"everext":5552,"trusts":["AMCAR-2023-1"],"lenders":["GM Financial (AmeriCredit)"]},"2024":{"loans":15013,"ever60":3201,"everext":5917,"trusts":["AMCAR-2024-1"],"lenders":["GM Financial (AmeriCredit)"]}},"reads":["At month 29 on book, the 2024 vintage is the worst on file at 18.1% ever 60+ (1 trust), against 14.2% averaged over the 2021, 2022, 2023 vintages.","The 2024 vintage is above 2023 by 1.2 points at the same age (18.1% vs 16.9%), on 8,826 loans still observed at that month.","The two vintages first separate by a full point at month 5.","26.1% of the 2024 vintage had been extended at least once by month 13, above the highest prior vintage at 24.1%.","Of 2024 loans ever extended, 5% had charged off within 13 months of the first extension.","Of 2024 loans that reached 60+, 19% had charged off within 10 months of first going 60+.","The 2023 vintage was at 25% at the same point after first 60+."]},"lender_Honda":{"ever60":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.04,0.04,0.13,0.17,0.22,0.31,0.36,0.36,0.51,0.56,0.57,0.58,0.59,0.6,0.61,0.77,0.73,0.85,0.91,0.92,0.94,1.06,1.08,1.16,1.24,1.32,1.35,1.44,1.47,1.49,1.46,1.42,1.52,1.55,1.66,1.63,1.75],"n":[2622,2622,2622,2622,2620,2581,2544,2510,2471,2439,2410,2367,2344,2313,2288,2261,2225,2199,2165,2133,2092,2063,2037,2002,1976,1947,1926,1891,1863,1838,1815,1787,1754,1730,1696,1664,1634,1530,1498,1473,1440,1410,1382,1352,1326,1288,1201],"loans":2622},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.0,0.0,0.0,0.0,0.0,0.06,0.1,0.12,0.18,0.22,0.29,0.37,0.44,0.52,0.59,0.66,0.7,0.82,0.93,1.05,1.11,1.23,1.31],"n":[5363,5363,5363,5363,5363,5326,5163,5084,5013,4946,4881,4806,4726,4650,4580,4516,4453,4370,4300,4204,4129,4066,3741],"loans":5363}},"roll":{},"everext":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46],"v":[0.0,0.0,0.0,0.0,0.04,0.08,0.16,0.28,0.36,0.37,0.5,0.59,0.77,0.78,0.92,0.97,1.03,1.05,1.06,1.13,1.2,1.21,1.28,1.25,1.32,1.44,1.51,1.53,1.56,1.58,1.6,1.57,1.6,1.68,1.71,1.74,1.77,1.96,2.14,2.24,2.29,2.27,2.24,2.44,2.49,2.56,2.41],"n":[2622,2622,2622,2622,2620,2581,2544,2510,2471,2439,2410,2367,2344,2313,2288,2261,2225,2199,2165,2133,2092,2063,2037,2002,1976,1947,1926,1891,1863,1838,1815,1787,1754,1730,1696,1664,1634,1530,1498,1473,1440,1410,1382,1352,1326,1288,1201],"loans":2622},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.0,0.0,0.0,0.04,0.06,0.19,0.25,0.33,0.38,0.49,0.53,0.62,0.68,0.82,0.85,0.93,0.99,1.03,1.07,1.14,1.24,1.23,1.26],"n":[5363,5363,5363,5363,5363,5326,5163,5084,5013,4946,4881,4806,4726,4650,4580,4516,4453,4370,4300,4204,4129,4066,3741],"loans":5363}},"rollext":{},"meta":{"2022":{"loans":2622,"ever60":29,"everext":42,"trusts":["HAROT-2022-1"],"lenders":["Honda"]},"2025":{"loans":5363,"ever60":54,"everext":70,"trusts":["HAROT-2025-1"],"lenders":["Honda"]}},"reads":["At month 22 on book, the 2025 vintage is the worst on file at 1.3% ever 60+ (1 trust), against 0.6% averaged over the 2022 vintages.","The 2025 vintage is above 2022 by 0.7 points at the same age (1.3% vs 0.6%), on 3,741 loans still observed at that month.","0.8% of the 2025 vintage had been extended at least once by month 13, above the highest prior vintage at 0.8%."]},"lender_Hyundai":{"ever60":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.0,0.02,0.07,0.09,0.13,0.22,0.31,0.38,0.43,0.48,0.54,0.62,0.67,0.73,0.82,0.89,1.04,1.08,1.13,1.19,1.25,1.36,1.41,1.49,1.55,1.59,1.67,1.73,1.8,1.91,1.96,2.04,2.11,2.16,2.28,2.34,2.38,2.43,2.47,2.49,2.5,2.54,2.57,2.62,2.65],"n":[10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465],"loans":10465}},"roll":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19],"v":[0.0,1.68,32.76,35.34,36.33,38.91,40.66,43.07,44.32,45.21,46.92,47.86,50.4,51.01,51.84,51.07,53.33,55.96,55.92,56.59],"n":[301,298,290,283,278,275,273,267,264,261,260,257,252,247,245,233,225,218,211,205],"loans":301}},"everext":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.01,0.01,0.01,0.01,0.02,0.18,0.39,0.55,0.69,0.83,0.96,1.13,1.26,1.41,1.51,1.61,1.67,1.81,1.88,2.01,2.11,2.24,2.42,2.61,2.73,2.81,2.91,2.98,3.1,3.25,3.33,3.47,3.6,3.66,3.76,3.84,3.95,4.06,4.11,4.17,4.2,4.27,4.34,4.44,4.5,4.54,4.58],"n":[10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465],"loans":10465}},"rollext":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[0.0,0.0,0.0,0.0,0.83,1.47,1.91,2.35,3.27,3.56,3.84,4.34,5.06,6.1,6.62,7.86,9.02,10.31,11.02,10.78,11.7,11.88,11.94,11.56,11.69,12.96,13.45,14.54,15.53,15.64,16.23,17.13,16.91],"n":[504,500,495,489,483,476,472,468,459,450,443,438,435,426,423,407,399,388,381,371,359,345,335,320,308,301,290,282,264,243,228,216,207],"loans":504}},"meta":{"2022":{"loans":10465,"ever60":301,"everext":505,"trusts":["HART-2022-A"],"lenders":["Hyundai"]}},"reads":[]},"lender_Santander":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45],"v":[0.0,0.0,0.0,0.18,0.46,0.94,1.51,2.25,3.15,4.26,5.46,6.71,7.94,9.21,10.46,11.74,12.84,13.89,15.07,16.3,17.53,18.74,19.9,21.28,22.69,23.96,25.14,26.13,26.76,27.33,28.17,29.24,30.27,31.25,32.28,33.29,34.45,35.0,35.13,35.53,36.34,37.01,37.71,38.15,38.54,39.23],"n":[55943,55943,55943,55865,55559,54933,54111,52970,51711,50380,49027,47769,46516,45101,43652,42366,41093,39843,38628,37546,36447,35513,34620,33872,33197,32571,32031,31556,30951,30268,29661,29155,28645,28209,27767,27341,26927,26171,25476,24968,24614,24233,23819,23324,22840,22467],"loans":55943},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37],"v":[0.0,0.0,0.0,0.34,1.03,2.31,3.73,5.22,6.88,8.83,10.79,12.73,14.64,16.69,18.42,19.9,21.26,22.45,23.92,25.6,27.36,28.9,30.4,31.8,33.33,34.31,34.57,35.31,36.5,37.4,37.96,38.37,38.98,39.83,41.01,40.96,41.16,41.51],"n":[60712,60712,55244,48471,44028,43434,42568,41604,40650,39820,39092,38432,37822,37209,36624,36158,35665,35119,34588,34099,33615,33160,32766,32368,32010,31406,30570,30008,29671,29308,28745,28097,27491,27058,26750,25916,25139,24442],"loans":60712},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[0.0,0.0,0.0,0.99,2.35,3.92,5.07,6.15,7.95,10.03,12.04,13.88,15.56,17.1,18.64,20.16,21.42,22.65,23.87,25.27,26.79,28.38,29.91,31.42,33.04,34.58,35.99,37.31,38.45,38.97,39.54,40.18,41.27],"n":[80999,80999,80625,80052,79463,78712,77384,75853,74681,73724,72742,71832,70852,69808,68730,67612,66487,65445,64280,63182,62272,61332,60361,59465,58677,57914,57091,56338,55422,54086,52713,51469,46258],"loans":80999},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.49,1.31,2.53,3.78,5.12,6.8,8.84,10.9,12.85,14.53,16.31,18.26,19.97,21.52,22.85,24.22,25.71,26.94,26.9],"n":[63785,63785,63724,63491,63097,62569,61720,60654,59627,58630,57636,56760,55796,54808,53805,52958,52118,51228,50214,49384,45140,26187],"loans":63785}},"roll":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31],"v":[2.91,4.62,33.3,38.7,41.82,43.93,46.55,48.58,50.77,52.6,54.12,55.56,56.9,57.82,58.85,59.66,60.4,60.97,61.49,61.94,62.54,62.98,63.61,64.21,64.71,65.21,65.72,66.32,66.72,67.48,68.3,69.03],"n":[14797,14690,14286,13777,13442,13172,12922,12690,12463,12239,11980,11723,11462,11197,10889,10571,10283,9970,9655,9338,9072,8798,8522,8229,7903,7594,7293,7025,6754,6443,6189,5931],"loans":14797},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23],"v":[3.91,6.77,41.08,48.49,52.24,54.86,57.54,59.74,61.54,62.79,63.96,65.06,65.81,66.66,67.64,68.32,68.82,69.11,69.22,69.09,69.13,69.35,69.94,70.37],"n":[16792,16616,16253,15595,15310,15083,14817,14554,14212,13773,13331,12894,12476,12018,11581,11141,10656,10178,9649,9127,8600,8087,7594,7118],"loans":16792},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[4.45,7.01,35.12,41.96,45.69,48.42,51.08,53.82,55.78,57.4,58.43,59.97,61.04,62.11,63.08,63.9,64.66,65.41],"n":[28194,27656,26792,24981,24267,23633,22881,22038,21021,19876,18832,17764,16731,15726,14714,13816,12892,12041],"loans":28194},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10],"v":[3.75,6.24,34.23,41.16,44.63,47.58,50.92,53.7,56.55,59.13,60.7],"n":[15086,14458,13635,12429,11666,10991,10198,9364,8422,7483,6547],"loans":15086}},"everext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45],"v":[0.0,0.01,0.06,0.19,0.35,0.59,1.02,1.9,3.0,4.13,5.39,6.48,7.67,8.82,9.91,10.76,11.52,12.25,12.91,13.86,14.82,15.83,16.85,17.69,18.6,19.44,20.17,20.8,21.4,22.07,22.63,23.35,24.05,24.82,25.39,25.97,26.66,27.27,27.83,28.32,28.8,29.22,29.55,29.95,30.47,30.88],"n":[55943,55943,55943,55865,55559,54933,54111,52970,51711,50380,49027,47769,46516,45101,43652,42366,41093,39843,38628,37546,36447,35513,34620,33872,33197,32571,32031,31556,30951,30268,29661,29155,28645,28209,27767,27341,26927,26171,25476,24968,24614,24233,23819,23324,22840,22467],"loans":55943},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37],"v":[0.0,0.0,0.0,0.0,0.0,0.02,0.31,1.46,3.26,5.22,7.32,9.26,11.1,12.65,14.19,15.44,16.47,17.7,18.94,20.09,21.19,22.28,23.41,24.3,25.29,26.37,27.48,28.37,29.01,29.56,30.23,30.85,31.44,32.11,32.79,33.52,34.21,34.87],"n":[60712,60712,55244,48471,44028,43434,42568,41604,40650,39820,39092,38432,37822,37209,36624,36158,35665,35119,34588,34099,33615,33160,32766,32368,32010,31406,30570,30008,29671,29308,28745,28097,27491,27058,26750,25916,25139,24442],"loans":60712},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[0.0,0.0,0.0,0.01,0.02,0.03,0.07,0.12,0.25,1.12,3.09,5.82,8.67,11.31,13.21,14.87,16.22,17.3,18.41,19.49,20.53,21.64,22.65,23.57,24.61,25.55,26.51,27.46,28.38,29.38,30.3,31.18,32.09],"n":[80999,80999,80625,80052,79463,78712,77384,75853,74681,73724,72742,71832,70852,69808,68730,67612,66487,65445,64280,63182,62272,61332,60361,59465,58677,57914,57091,56338,55422,54086,52713,51469,46258],"loans":80999},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.02,0.05,0.07,0.1,0.14,0.21,0.33,1.08,2.73,4.91,7.18,9.44,11.7,13.5,15.13,16.61,18.11,19.57,21.07,21.96],"n":[63785,63785,63724,63491,63097,62569,61720,60654,59627,58630,57636,56760,55796,54808,53805,52958,52118,51228,50214,49384,45140,26187],"loans":63785}},"rollext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34],"v":[0.03,0.05,0.12,0.49,1.67,3.49,5.39,7.23,8.82,10.48,12.03,13.48,14.84,16.14,17.49,18.7,19.8,20.84,21.59,22.52,23.34,24.26,25.22,26.09,26.84,27.54,28.14,28.75,29.61,30.27,30.57,31.03,31.48,32.45,33.14],"n":[11027,10943,10742,10506,10290,10076,9852,9634,9452,9264,9058,8844,8659,8476,8274,8122,7930,7764,7597,7439,7259,7090,6904,6708,6505,6314,6130,5933,5698,5458,5254,5069,4886,4702,4554],"loans":11027},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28],"v":[0.02,0.04,0.18,0.75,2.45,5.03,8.0,10.57,12.99,14.97,17.24,19.06,20.99,22.52,24.02,25.21,26.52,27.35,28.71,29.32,30.03,30.82,31.3,31.59,31.97,32.37,32.94,33.27,33.58],"n":[11313,11243,11095,10943,10807,10665,10539,10415,10259,10079,9900,9700,9470,9268,9025,8773,8548,8297,8043,7807,7535,7242,6904,6541,6180,5824,5468,5091,4747],"loans":11313},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19],"v":[0.04,0.09,0.24,1.0,2.73,5.19,7.81,10.17,12.33,14.56,16.67,18.5,20.28,21.95,23.29,24.62,25.74,26.92,27.6,28.6],"n":[18711,18348,17893,17483,17047,16545,16035,15487,14862,14379,13815,13279,12703,12083,11496,10877,10253,9591,8729,7690],"loans":18711},"2025":{"m":[0,1,2,3,4,5,6,7],"v":[0.03,0.07,0.28,0.93,2.46,4.66,7.38,9.06],"n":[11001,10344,9611,8941,8278,7540,6705,5663],"loans":11001}},"meta":{"2021":{"loans":55943,"ever60":14797,"everext":11048,"trusts":["SDART-2021-1"],"lenders":["Santander"]},"2022":{"loans":60712,"ever60":16792,"everext":11314,"trusts":["SDART-2022-1"],"lenders":["Santander"]},"2024":{"loans":80999,"ever60":28194,"everext":18711,"trusts":["SDART-2023-6","SDART-2024-1"],"lenders":["Santander"]},"2025":{"loans":63785,"ever60":15086,"everext":11005,"trusts":["SDART-2025-1"],"lenders":["Santander"]}},"reads":["At month 21 on book, the worst vintage on file is 2022 at 28.9% ever 60+ (1 trust); the latest, 2025, sits at 26.9%, 2.0 points below it.","The 2025 vintage is below 2024 by 1.5 points at the same age (26.9% vs 28.4%), on 26,187 loans still observed at that month.","The two vintages first separate by a full point at month 4.","9.4% of the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 12.7%.","Of 2025 loans that reached 60+, 61% had charged off within 10 months of first going 60+.","The 2024 vintage was at 58% at the same point after first 60+."]},"lender_World Omni":{"ever60":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.0,0.04,0.13,0.22,0.31,0.35,0.53,0.62,0.66,0.88,1.02,1.02,1.1,1.2,1.31,1.41,1.58,1.79,2.06,2.23,2.37,2.57,2.69,2.88,3.06,3.1,3.29,3.39,3.48,3.6,3.75,3.98,4.06,4.33,4.46,4.5,4.69,4.86,4.97,5.21,5.48,5.77,5.98,6.13,6.31],"n":[2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2246,2222,2191,2149,2118,2087,2064,2029,1988,1967,1943,1927,1905,1884,1860,1840,1804,1787,1760,1725,1708,1682,1667,1642,1625,1610,1593,1568,1543,1522,1500,1475],"loans":2263},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43],"v":[0.0,0.0,0.0,0.01,0.12,0.33,0.63,1.06,1.47,1.85,2.25,2.64,3.07,3.52,3.83,4.13,4.53,4.93,5.45,5.84,6.22,6.65,7.18,7.79,8.32,8.86,9.24,9.74,10.16,10.6,11.04,11.42,11.87,12.32,12.86,13.37,13.89,14.37,14.78,15.08,15.53,16.09,16.48,18.66],"n":[8211,8211,8211,8211,8211,8211,8211,8211,8211,8211,8211,8211,8211,8211,8167,8118,8061,7972,7868,7758,7642,7522,7409,7307,7200,7077,6969,6836,6723,6612,6496,6373,6258,6153,6040,5932,5804,5649,5541,5456,5402,5325,5229,4330],"loans":8211},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34],"v":[0.0,0.0,0.0,0.01,0.02,0.12,0.24,0.31,0.45,0.58,0.7,0.84,0.91,1.03,1.13,1.25,1.35,1.47,1.59,1.71,1.88,2.02,2.17,2.33,2.54,2.68,2.82,3.03,3.14,3.3,3.39,3.55,3.73,3.87,3.88],"n":[15481,15481,15481,15481,15481,15481,15481,15481,15481,15481,15481,15481,15481,15481,15481,15481,15446,15287,15080,14885,14626,14420,14222,14032,13808,13564,13315,13082,12860,12636,12441,12216,11967,11724,9083],"loans":15481},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.0,0.0,0.0,0.0,0.05,0.18,0.25,0.37,0.6,0.71,0.87,1.0,1.22,1.41,1.71,1.98,2.22,2.38,2.59,2.86,3.08,3.32,3.53],"n":[8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8325,8221,8103,7961,7817,7682,4646],"loans":8364}},"roll":{"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26],"v":[0.0,2.93,32.64,42.98,46.43,47.96,49.47,50.99,52.88,55.77,56.53,57.27,57.97,59.52,61.43,63.21,63.66,63.78,64.98,65.14,65.78,65.85,66.2,65.88,65.75,66.19,66.67],"n":[929,922,916,898,883,857,857,857,834,814,796,784,759,746,713,685,655,635,614,588,564,530,497,466,438,423,390],"loans":929},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[0.0,2.99,41.18,52.24,57.21,59.38,61.67,64.39,63.85,65.01,66.18,67.18,70.86,72.47,73.96,74.27,73.89,74.29],"n":[481,469,459,446,430,421,407,396,379,363,346,323,302,287,265,241,226,210],"loans":482},"2025":{"m":[0,1,2,3,4],"v":[0.0,2.81,44.73,58.11,63.73],"n":[262,249,237,222,204],"loans":262}},"everext":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.22,0.62,0.93,1.37,1.86,2.12,2.52,3.18,3.76,3.98,4.36,4.55,4.84,4.98,5.29,5.37,5.81,5.96,6.34,6.71,7.15,7.37,7.61,7.86,7.96,8.15,8.37,8.62,8.69,8.99,9.31,9.63,9.84,9.93,10.09,10.19,10.23,10.27,10.37,10.45,10.6,10.85],"n":[2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2246,2222,2191,2149,2118,2087,2064,2029,1988,1967,1943,1927,1905,1884,1860,1840,1804,1787,1760,1725,1708,1682,1667,1642,1625,1610,1593,1568,1543,1522,1500,1475],"loans":2263},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43],"v":[0.0,0.0,0.0,0.0,0.0,0.01,0.05,0.52,1.47,2.65,3.63,4.55,5.31,6.02,6.69,7.14,7.6,8.1,8.66,9.33,10.1,10.9,11.81,12.63,13.31,13.96,14.38,14.89,15.38,15.77,16.12,16.68,17.21,17.75,18.29,18.75,19.09,19.53,19.69,19.78,20.09,20.47,20.9,22.77],"n":[8211,8211,8211,8211,8211,8211,8211,8211,8211,8211,8211,8211,8211,8211,8167,8118,8061,7972,7868,7758,7642,7522,7409,7307,7200,7077,6969,6836,6723,6612,6496,6373,6258,6153,6040,5932,5804,5649,5541,5456,5402,5325,5229,4330],"loans":8211},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.01,0.18,0.56,0.93,1.26,1.54,1.8,2.44,2.64,2.9,3.12,3.3,3.49,3.69,3.86,4.06,4.3,4.48,4.7,4.93,5.17,5.39,5.63,5.87,6.03,6.25,6.38,6.58,6.81],"n":[15481,15481,15481,15481,15481,15481,15481,15481,15481,15481,15481,15481,15481,15481,15481,15481,15446,15287,15080,14885,14626,14420,14222,14032,13808,13564,13315,13082,12860,12636,12441,12216,11967,11724,9083],"loans":15481},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.0,0.0,0.0,0.0,0.01,0.01,0.01,0.19,0.6,1.04,1.55,1.88,2.16,2.47,2.87,3.11,3.44,3.71,3.95,4.16,4.39,4.66,5.12],"n":[8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8325,8221,8103,7961,7817,7682,4646],"loans":8364}},"rollext":{"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27],"v":[0.0,0.0,0.08,0.32,1.15,2.32,3.64,4.55,5.86,7.12,8.09,9.28,10.46,11.58,12.27,13.28,13.37,15.11,16.34,16.88,17.35,17.78,18.76,19.73,20.77,21.14,22.13,22.92],"n":[1269,1261,1247,1238,1222,1208,1208,1208,1195,1180,1162,1142,1119,1088,1068,1047,1025,993,961,936,905,855,773,730,674,629,583,528],"loans":1269},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.51,0.79,1.72,2.99,4.34,4.91,5.96,6.5,7.56,7.74,8.42,8.8,9.67,10.41,11.13,12.01,12.74,12.73,13.2],"n":[829,804,795,781,764,754,737,714,693,671,646,622,607,582,557,538,509,485,458,416,377,341],"loans":829},"2025":{"m":[0,1,2,3,4,5,6,7,8],"v":[0.0,0.0,0.3,0.61,1.28,1.35,3.2,4.35,5.33],"n":[369,353,338,329,313,296,281,253,225],"loans":369}},"meta":{"2022":{"loans":2263,"ever60":104,"everext":196,"trusts":["WOART-2022-A"],"lenders":["World Omni"]},"2023":{"loans":8211,"ever60":929,"everext":1269,"trusts":["WOSAT-2023-A"],"lenders":["World Omni"]},"2024":{"loans":15481,"ever60":482,"everext":829,"trusts":["WOART-2024-A"],"lenders":["World Omni"]},"2025":{"loans":8364,"ever60":262,"everext":369,"trusts":["WOART-2025-A"],"lenders":["World Omni"]}},"reads":["At month 22 on book, the worst vintage on file is 2023 at 7.2% ever 60+ (1 trust); the latest, 2025, sits at 3.5%, 3.6 points below it.","The 2025 vintage is above 2024 by 1.4 points at the same age (3.5% vs 2.2%), on 4,646 loans still observed at that month.","The two vintages first separate by a full point at month 19.","2.5% of the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 6.0%."]}},"by_cal":{"all":{"ever60":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.26,0.76,1.33,2.03,2.78,3.66,4.56,5.49,6.47,7.34,8.31,9.2,10.21,10.99,11.68,12.51,13.36,14.2,14.97,15.64,16.34,17.14,17.84,18.51,19.02,19.39,19.57,19.87,20.37,20.87,21.22,21.54,21.81,22.31,22.64,22.86,22.96,23.06,23.09,23.34,23.56,23.77,23.92,24.11,24.13,24.25],"n":[151086,151086,151084,150844,150051,148797,147358,145937,144397,142724,140980,139374,137772,135981,134159,132542,130908,129304,127752,126369,124951,123650,122365,121148,120206,119373,118633,117991,117041,115887,114792,114071,113358,112479,111579,110638,110019,109031,108179,107278,106444,105552,104952,104277,103615,102907,102131,101142,100367],"loans":151086},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.32,0.91,1.75,2.67,3.57,4.5,5.47,6.4,7.36,8.32,9.29,10.12,10.84,11.47,12.02,12.65,13.38,14.09,14.68,15.22,15.76,16.37,16.85,17.15,17.25,17.42,17.69,17.99,18.2,18.48,18.62,18.81,18.82,18.97,19.21,19.54,19.59,19.61,19.73,20.0,20.32,20.57,20.82,19.08,16.68,15.29],"n":[208225,208225,198117,186574,180042,179059,177778,176379,174978,173744,172597,171532,170552,169644,168794,168003,167254,166401,165493,164669,163844,162912,162039,161196,160486,159558,158413,156989,155836,155006,154102,153088,152158,151019,149943,148537,147241,145736,144914,143806,142650,141646,140942,140320,139598,138832,130426,119319,112074],"loans":208225},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45],"v":[0.0,0.0,0.0,0.28,0.86,1.72,2.69,3.61,4.51,5.31,6.11,6.93,7.76,8.55,9.26,9.93,10.53,11.15,11.76,12.39,12.96,13.55,14.09,14.65,15.19,15.73,16.02,16.13,16.24,16.56,16.98,17.4,17.62,18.03,17.79,17.38,17.44,17.74,17.85,17.92,17.92,18.14,18.39,18.69,16.84,13.92],"n":[110180,107595,107301,107263,107175,107029,106834,106649,106424,106236,106005,105747,105530,105328,105129,104914,104667,104416,104131,103831,103502,103168,102787,102446,102127,101808,101232,100519,99784,99376,99008,98689,98103,97775,96653,95338,94635,94229,93658,93093,92523,92150,91837,91553,80253,62242],"loans":110180},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,0.0,0.0,0.49,1.33,2.42,3.37,4.28,5.48,6.82,8.12,9.36,10.51,11.57,12.65,13.7,14.58,15.41,16.22,17.16,18.12,19.1,20.04,20.75,21.33,21.92,22.66,23.46,23.97,24.13,24.29,24.72,25.01,23.52],"n":[183730,183716,182574,180554,178543,177718,176059,174424,173131,172088,171011,170034,168998,167874,166676,165484,164231,162922,161434,160038,158760,157477,156171,154561,152674,150900,149440,148265,146684,144522,142456,140854,133480,100196],"loans":183730},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.26,0.84,1.73,2.8,3.94,5.17,6.39,7.58,8.85,10.01,11.22,12.41,13.48,14.43,15.25,16.09,17.02,17.71,16.5],"n":[234729,234729,234666,231810,229368,228600,227378,225987,224616,223278,221923,220717,219383,218033,216630,215328,213915,212337,210627,209209,186421,137110],"loans":234729},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[0.0,0.0,0.0,0.08,0.19,0.31,0.51,0.66,0.84,1.04,1.3,1.54,1.81,2.08,2.49,2.96,3.28,3.51],"n":[37295,36532,35099,35064,35026,34994,34966,34941,34920,34875,34843,34810,34739,32907,29365,25958,25923,25890],"loans":37295}},"roll":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[1.32,3.99,28.53,35.16,38.68,40.89,43.5,45.63,47.81,49.56,51.07,52.54,53.94,55.22,56.27,57.25,58.12,58.64,58.99,59.23,59.54,59.77,59.84,60.12,60.48,60.63,60.99,61.29,61.62,62.14,62.76,63.33,63.94],"n":[36958,36728,36080,35155,34521,33993,33490,33053,32582,32097,31596,31110,30603,30060,29476,28884,28335,27541,26638,25659,24745,23855,22836,21960,21125,20304,19474,18738,18005,17281,16607,15955,15166],"loans":36988},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28],"v":[1.83,4.9,34.97,42.88,46.9,49.58,52.15,54.44,56.27,57.76,59.0,60.12,61.1,62.05,63.01,63.8,64.56,64.88,64.85,64.72,64.56,64.28,64.28,64.21,64.68,65.0,65.35,65.65,65.95],"n":[43110,42745,42068,40952,40312,39802,39223,38643,37982,37213,36475,35647,34863,33992,33152,32237,31338,30193,28871,27562,26164,24731,23382,22168,21172,20252,19268,18250,17305],"loans":43112},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24],"v":[0.4,4.29,34.54,42.79,47.09,49.43,51.64,53.77,55.55,57.28,58.65,59.75,60.6,61.54,62.23,62.84,63.42,63.68,63.85,64.03,64.3,64.08,63.67,63.38,63.67],"n":[25426,25198,24875,24178,23704,23225,22773,22328,21876,21402,20922,20357,19726,19112,18448,17785,17166,16489,15714,14908,14033,13128,12188,11326,10664],"loans":25429},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,1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the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 14.5%.","Of 2025 loans that reached 60+, 56% had charged off within 7 months of first going 60+.","The 2024 vintage was at 54% at the same point after first 60+."]},"below_prime":{"ever60":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.33,0.94,1.66,2.55,3.5,4.62,5.76,6.94,8.21,9.32,10.56,11.73,13.02,14.05,15.0,16.14,17.26,18.42,19.47,20.37,21.36,22.44,23.39,24.29,24.99,25.56,25.9,26.37,27.08,27.78,28.26,28.74,29.14,29.84,30.33,30.68,30.85,31.04,31.15,31.51,31.87,32.2,32.47,32.81,32.9,33.13],"n":[101287,101287,101285,101190,100869,100148,99256,98181,96977,95687,94303,93049,91790,90393,88993,87737,86435,85183,83966,82879,81741,80707,79655,78670,77918,77257,76665,76158,75394,74467,73579,72989,72407,71691,70964,70205,69734,69005,68350,67620,66910,66162,65675,65131,64568,63978,63318,62475,61841],"loans":101287},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.53,1.59,3.04,4.6,6.19,7.78,9.45,11.05,12.7,14.36,16.0,17.47,18.68,19.75,20.73,21.8,23.04,24.27,25.29,26.23,27.16,28.22,29.05,29.64,29.87,30.18,30.68,31.24,31.66,32.15,32.44,32.86,32.97,33.31,33.7,34.25,34.38,34.5,34.75,35.24,35.81,36.27,36.77,34.99,31.91,30.16],"n":[111423,111423,103511,94440,89499,88924,88103,87171,86282,85504,84789,84153,83534,83006,82491,82059,81585,81071,80580,80053,79587,78998,78451,77962,77554,76978,76223,75197,74387,73844,73311,72603,72031,71243,70536,69545,68704,67987,67628,66858,66041,65361,64964,64611,64170,63701,57406,49899,45026],"loans":111423},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45],"v":[0.0,0.0,0.0,0.47,1.42,2.82,4.44,5.92,7.4,8.7,10.0,11.36,12.72,14.04,15.19,16.27,17.24,18.25,19.22,20.22,21.15,22.08,22.97,23.86,24.73,25.62,26.14,26.37,26.63,27.16,27.85,28.54,28.95,29.64,29.36,28.77,28.94,29.46,29.67,29.8,29.82,30.2,30.65,31.19,29.94,26.34],"n":[60621,58404,58149,58114,58032,57902,57718,57544,57332,57154,56944,56705,56501,56316,56128,55967,55771,55576,55361,55144,54887,54632,54342,54081,53834,53582,53100,52507,51888,51561,51270,51024,50535,50289,49309,48140,47537,47250,46784,46278,45766,45464,45213,44997,35927,24541],"loans":60621},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,0.0,0.0,0.72,1.98,3.65,5.16,6.6,8.43,10.48,12.44,14.33,16.1,17.66,19.31,20.9,22.24,23.5,24.72,26.14,27.55,29.03,30.42,31.5,32.39,33.28,34.37,35.56,36.37,36.73,37.08,37.76,38.6,38.99],"n":[101664,101663,101387,100923,100468,99963,98790,97659,96825,96174,95491,94905,94265,93576,92851,92092,91308,90567,89705,88903,88252,87528,86796,85758,84459,83272,82366,81733,80708,79206,77768,76746,72060,50033],"loans":101664},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.36,1.16,2.42,3.92,5.53,7.23,8.95,10.59,12.33,13.94,15.6,17.22,18.67,19.99,21.12,22.31,23.59,24.87,24.39],"n":[141043,141043,141009,140330,139611,139108,138404,137501,136636,135824,134981,134255,133413,132587,131684,130842,129912,128890,127778,126927,111612,77703],"loans":141043},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18],"v":[0.0,0.0,0.01,0.21,0.41,0.69,1.09,1.42,1.84,2.31,2.93,3.53,4.15,4.64,5.14,5.67,6.24,6.72,8.77],"n":[9585,9413,9047,9042,9038,9029,9023,9021,9018,9008,8999,8988,8981,8945,8886,8804,8797,8792,4812],"loans":9585}},"roll":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[1.29,3.94,27.54,34.12,37.66,39.85,42.47,44.57,46.71,48.48,49.97,51.41,52.82,54.07,55.12,56.05,56.92,57.39,57.76,58.03,58.33,58.52,58.55,58.78,59.15,59.21,59.57,59.81,60.15,60.7,61.33,61.85,62.5,62.95],"n":[31201,31021,30513,29732,29192,28745,28323,27960,27572,27167,26765,26348,25928,25467,24996,24500,24044,23382,22628,21806,21026,20259,19390,18638,17956,17250,16555,15923,15310,14703,14134,13555,12881,12546],"loans":31227},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28],"v":[1.7,4.78,33.81,41.96,46.11,48.73,51.28,53.54,55.37,56.87,58.14,59.33,60.32,61.26,62.2,62.97,63.7,63.99,63.94,63.8,63.56,63.23,63.18,63.03,63.56,63.88,64.25,64.56,64.8],"n":[35212,34915,34382,33483,32962,32553,32081,31645,31122,30513,29923,29278,28640,27956,27289,26538,25811,24890,23772,22685,21538,20363,19268,18249,17432,16673,15872,15041,14266],"loans":35214},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24],"v":[0.29,4.18,33.14,41.71,46.18,48.61,50.86,53.06,54.82,56.61,58.0,59.23,60.05,61.03,61.73,62.29,62.81,63.09,63.15,63.34,63.66,63.37,62.89,62.56,62.74],"n":[21480,21298,21011,20390,19971,19560,19173,18788,18411,17998,17597,17112,16575,16057,15494,14923,14414,13832,13161,12479,11734,10964,10165,9423,8869],"loans":21482},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[2.73,5.77,32.96,41.05,45.55,48.43,51.23,53.82,55.79,57.53,58.75,60.07,61.05,61.77,62.14,62.42,62.9,63.43],"n":[39215,38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Financial (AmeriCredit)","Santander"]},"2021":{"loans":111423,"ever60":35214,"everext":32428,"trusts":["ALLYA-2022-1","AMCAR-2022-1","CARMX-2022-1","CRVNA-2021-P1","CRVNA-2022-P1","EART-2022-1","FORDO-2022-A","GMCAR-2022-1","HAROT-2022-1","HART-2022-A","SDART-2022-1","WOART-2022-A"],"lenders":["Ally","CarMax","Carvana","Exeter","Ford","GM Financial","GM Financial (AmeriCredit)","Honda","Hyundai","Santander","World Omni"]},"2022":{"loans":60621,"ever60":21482,"everext":23203,"trusts":["ALLYA-2022-1","AMCAR-2022-1","AMCAR-2023-1","CARMX-2023-1","CRVNA-2022-P1","EART-2022-1","EART-2023-1","WOSAT-2023-A"],"lenders":["Ally","CarMax","Carvana","Exeter","GM Financial (AmeriCredit)","World Omni"]},"2023":{"loans":101664,"ever60":39219,"everext":33629,"trusts":["ALLYA-2023-1","ALLYA-2024-1","CARMX-2024-1","EART-2023-1","EART-2024-1","GMCAR-2024-1","SDART-2023-6","SDART-2024-1","WOART-2024-A","WOSAT-2023-A"],"lenders":["Ally","CarMax","Exeter","GM Financial","Santander","World Omni"]},"2024":{"loans":141043,"ever60":35703,"everext":42655,"trusts":["ALLYA-2024-1","AMCAR-2024-1","BLAST-2025-1","CARMX-2025-1","CRVNA-2024-P2","CRVNA-2025-P1","EART-2025-1","FORDO-2025-A","GMCAR-2025-1","HAROT-2025-1","HART-2025-A","SDART-2025-1","WOART-2025-A"],"lenders":["Ally","Bridgecrest","CarMax","Carvana","Exeter","Ford","GM Financial","GM Financial (AmeriCredit)","Honda","Hyundai","Santander","World Omni"]},"2025":{"loans":9585,"ever60":633,"everext":1115,"trusts":["ALLYA-2025-1","CRVNA-2025-P1","EART-2025-1","FORDO-2025-A"],"lenders":["Ally","Carvana","Exeter","Ford"]}},"reads":["At month 18 on book, the worst vintage on file is 2023 at 24.7% ever 60+ (10 trusts); the latest, 2025, sits at 8.8%, 15.9 points below it.","The 2025 vintage is below 2024 by 13.5 points at the same age (8.8% vs 22.3%), on 4,812 loans still observed at that month.","The two vintages first separate by a full point at month 5.","9.7% of the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 21.1%.","Of 2025 loans that reached 60+, 48% had charged off within 7 months of first going 60+.","The 2024 vintage was at 52% at the same point after first 60+."]},"prime_score":{"ever60":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.07,0.18,0.29,0.44,0.6,0.85,1.07,1.31,1.56,1.82,2.07,2.29,2.55,2.76,2.9,3.07,3.28,3.49,3.63,3.83,4.0,4.22,4.42,4.58,4.73,4.79,4.82,4.87,5.0,5.13,5.28,5.39,5.51,5.65,5.73,5.79,5.86,5.93,5.98,6.08,6.11,6.18,6.26,6.3,6.34,6.33],"n":[39916,39916,39916,39776,39344,38882,38424,38200,37977,37741,37515,37284,37079,36854,36627,36421,36221,36010,35785,35606,35432,35279,35136,35008,34894,34787,34701,34622,34519,34406,34284,34210,34120,34028,33924,33819,33723,33532,33405,33316,33247,33175,33107,33026,32972,32910,32844,32753,32658],"loans":39916},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.05,0.12,0.22,0.37,0.52,0.68,0.86,1.04,1.22,1.43,1.65,1.81,1.98,2.14,2.27,2.42,2.61,2.78,2.92,3.06,3.2,3.35,3.49,3.6,3.71,3.8,3.89,3.99,4.09,4.21,4.31,4.37,4.44,4.51,4.61,4.72,4.81,4.88,4.95,5.06,5.18,5.28,5.36,5.06,4.7,4.51],"n":[84888,84888,83636,82156,81173,80834,80481,80146,79773,79433,79124,78809,78543,78295,78075,77807,77614,77383,77070,76846,76563,76307,76067,75802,75563,75301,75040,74761,74510,74284,74014,73790,73524,73255,72969,72670,72326,71664,71287,71034,70782,70527,70286,70080,69849,69607,68288,65603,63963],"loans":84888},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.04,0.16,0.34,0.55,0.77,0.99,1.19,1.4,1.62,1.81,1.98,2.19,2.39,2.57,2.75,2.98,3.18,3.35,3.56,3.75,3.95,4.15,4.33,4.48,4.54,4.61,4.74,4.92,5.07,5.21,5.36,5.36,5.39,5.46,5.58,5.71,5.83,5.92,6.03,6.15,6.26,5.86,5.48,5.43,5.49,5.59],"n":[48107,47907,47892,47890,47886,47873,47862,47852,47841,47832,47814,47798,47786,47770,47759,47710,47661,47608,47539,47457,47389,47310,47224,47149,47084,47018,46946,46833,46726,46650,46576,46503,46423,46350,46215,46085,45987,45874,45789,45734,45680,45611,45554,45486,43329,36887,26188,26161,25276],"loans":48107},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34],"v":[0.0,0.0,0.0,0.1,0.25,0.48,0.68,0.91,1.22,1.55,1.9,2.18,2.46,2.77,3.05,3.34,3.58,3.8,4.04,4.31,4.62,4.88,5.14,5.33,5.54,5.74,6.0,6.25,6.41,6.49,6.55,6.75,6.78,6.13,5.11],"n":[69740,69729,68950,67578,66233,66072,65823,65582,65370,65176,65001,64820,64653,64460,64238,64050,63822,63449,63031,62640,62188,61769,61353,60929,60477,60016,59601,59183,58769,58292,57836,57403,55317,45952,29867],"loans":69740},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.0,0.0,0.0,0.07,0.2,0.44,0.72,0.97,1.3,1.59,1.89,2.24,2.56,2.91,3.28,3.64,3.92,4.17,4.39,4.69,4.76,4.44,3.55],"n":[77729,77729,77720,76169,74921,74782,74483,74257,74030,73802,73582,73366,73125,72894,72665,72427,72165,71822,71445,71082,65566,54176,35237],"loans":77729},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[0.0,0.0,0.0,0.03,0.09,0.16,0.29,0.36,0.45,0.56,0.66,0.77,0.9,1.02,1.22,1.4,1.59,1.7],"n":[25683,25253,24462,24437,24409,24392,24376,24359,24344,24316,24303,24287,24234,22552,19215,16033,16013,15993],"loans":25683}},"roll":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30],"v":[2.21,4.98,34.11,39.71,42.26,44.15,46.89,49.03,51.58,52.9,54.48,55.94,57.23,58.44,59.55,61.11,62.06,62.92,63.2,63.39,63.55,64.01,64.36,64.98,65.53,66.69,66.62,67.62,68.14,68.43,69.23],"n":[2987,2952,2867,2783,2733,2684,2634,2582,2534,2484,2421,2381,2329,2288,2225,2173,2119,2047,1981,1901,1841,1784,1717,1656,1578,1519,1447,1393,1331,1267,1209],"loans":2988},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27],"v":[2.14,5.27,37.76,43.52,46.36,49.1,51.64,53.96,55.55,57.1,58.1,58.82,59.82,60.91,62.08,62.91,63.85,64.21,64.39,64.4,64.81,64.95,65.17,65.61,65.77,65.92,66.46,66.81],"n":[5039,4988,4891,4761,4666,4591,4518,4418,4322,4217,4124,4004,3912,3799,3689,3578,3463,3328,3221,3098,2958,2813,2664,2559,2445,2353,2251,2124],"loans":5039},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26],"v":[1.03,5.16,42.79,48.75,52.04,53.67,55.58,57.29,59.19,60.58,61.92,62.31,63.27,63.98,64.69,65.41,66.45,66.6,67.28,67.57,67.53,67.84,67.78,67.57,68.52,69.41,70.44],"n":[3591,3545,3510,3442,3388,3322,3264,3205,3139,3082,3007,2932,2845,2754,2662,2576,2483,2398,2301,2189,2073,1959,1834,1727,1633,1553,1465],"loans":3592},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16],"v":[3.54,6.57,39.02,48.39,52.54,54.96,57.12,59.76,61.51,63.12,64.49,65.05,66.27,67.23,68.52,69.18,70.25],"n":[5054,4961,4793,4567,4402,4267,4128,3981,3793,3579,3399,3196,2991,2786,2554,2336,2175],"loans":5055},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10],"v":[2.06,8.77,40.26,48.74,53.56,56.43,59.45,62.11,64.62,66.26,67.47],"n":[4081,3901,3654,3404,3187,2979,2757,2470,2165,1906,1669],"loans":4081},"2025":{"m":[0,1,2,3,4,5],"v":[0.0,6.01,48.46,55.34,60.36,62.56],"n":[346,316,293,253,222,203],"loans":346}},"everext":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.01,0.02,0.05,0.1,0.16,0.23,0.41,0.67,1.0,1.27,1.59,1.83,2.11,2.42,2.66,2.84,3.02,3.16,3.33,3.51,3.76,3.99,4.17,4.35,4.51,4.71,4.88,5.03,5.2,5.31,5.44,5.56,5.72,5.87,6.06,6.22,6.36,6.49,6.62,6.73,6.79,6.88,6.97,7.08,7.2,7.3,7.41,7.51],"n":[39916,39916,39916,39776,39344,38882,38424,38200,37977,37741,37515,37284,37079,36854,36627,36421,36221,36010,35785,35606,35432,35279,35136,35008,34894,34787,34701,34622,34519,34406,34284,34210,34120,34028,33924,33819,33723,33532,33405,33316,33247,33175,33107,33026,32972,32910,32844,32753,32658],"loans":39916},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.03,0.04,0.06,0.08,0.14,0.34,0.66,0.94,1.26,1.56,1.85,2.15,2.45,2.69,2.88,3.08,3.26,3.47,3.65,3.88,4.12,4.34,4.55,4.79,4.96,5.16,5.32,5.43,5.57,5.71,5.85,5.98,6.13,6.29,6.43,6.6,6.71,6.8,6.88,6.93,7.0,7.13,7.24,7.36,7.22,7.0,6.86],"n":[84888,84888,83636,82156,81173,80834,80481,80146,79773,79433,79124,78809,78543,78295,78075,77807,77614,77383,77070,76846,76563,76307,76067,75802,75563,75301,75040,74761,74510,74284,74014,73790,73524,73255,72969,72670,72326,71664,71287,71034,70782,70527,70286,70080,69849,69607,68288,65603,63963],"loans":84888},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.02,0.07,0.09,0.11,0.16,0.25,0.5,0.92,1.36,1.68,2.03,2.34,2.64,2.88,3.17,3.37,3.59,3.8,4.02,4.25,4.5,4.74,5.01,5.27,5.49,5.68,5.85,5.98,6.15,6.3,6.49,6.69,6.89,6.98,7.1,7.23,7.36,7.48,7.59,7.7,7.8,7.9,8.01,7.49,6.69,5.74,5.77,5.75],"n":[48107,47907,47892,47890,47886,47873,47862,47852,47841,47832,47814,47798,47786,47770,47759,47710,47661,47608,47539,47457,47389,47310,47224,47149,47084,47018,46946,46833,46726,46650,46576,46503,46423,46350,46215,46085,45987,45874,45789,45734,45680,45611,45554,45486,43329,36887,26188,26161,25276],"loans":48107},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34],"v":[0.0,0.0,0.0,0.01,0.02,0.05,0.11,0.36,0.78,1.3,1.83,2.45,3.01,3.62,4.05,4.43,4.8,5.06,5.36,5.65,5.98,6.29,6.6,6.88,7.15,7.45,7.71,7.95,8.18,8.38,8.55,8.71,8.85,8.62,7.83],"n":[69740,69729,68950,67578,66233,66072,65823,65582,65370,65176,65001,64820,64653,64460,64238,64050,63822,63449,63031,62640,62188,61769,61353,60929,60477,60016,59601,59183,58769,58292,57836,57403,55317,45952,29867],"loans":69740},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.0,0.0,0.03,0.06,0.11,0.22,0.34,0.72,1.28,1.96,2.63,3.19,3.72,4.23,4.74,5.15,5.55,5.85,6.13,6.43,6.44,6.16,5.4],"n":[77729,77729,77720,76169,74921,74782,74483,74257,74030,73802,73582,73366,73125,72894,72665,72427,72165,71822,71445,71082,65566,54176,35237],"loans":77729},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[0.0,0.03,0.11,0.15,0.17,0.22,0.32,0.41,0.74,1.04,1.29,1.51,1.71,1.96,2.22,2.44,2.57,2.76],"n":[25683,25253,24462,24437,24409,24392,24376,24359,24344,24316,24303,24287,24234,22552,19215,16033,16013,15993],"loans":25683}},"rollext":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30],"v":[0.45,0.49,0.57,0.75,1.8,3.2,4.48,6.01,7.07,8.05,9.11,10.24,11.15,12.07,13.11,14.13,14.76,15.45,16.1,16.77,17.39,18.29,18.38,19.58,19.93,20.28,20.73,20.75,21.6,22.33,22.85],"n":[3085,3051,2992,2933,2883,2815,2770,2711,2660,2621,2580,2529,2475,2419,2350,2286,2215,2136,2075,2009,1949,1903,1844,1767,1706,1632,1563,1499,1435,1366,1278],"loans":3085},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31],"v":[0.19,0.27,0.42,1.01,2.33,3.73,5.57,6.87,8.05,9.15,10.31,11.49,12.8,13.75,14.73,15.2,16.05,16.79,17.63,18.1,18.6,18.7,19.59,19.6,20.02,20.44,21.11,21.43,21.91,22.54,22.95,23.13],"n":[6276,6216,6139,6047,5964,5864,5796,5722,5605,5508,5402,5301,5211,5105,5002,4867,4760,4629,4510,4375,4231,4080,3946,3806,3676,3547,3359,3183,3021,2848,2702,2516],"loans":6276},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28],"v":[0.07,0.12,0.34,1.07,2.76,5.56,7.24,8.98,10.42,11.87,12.97,14.11,15.41,16.62,17.47,18.47,19.28,19.85,20.47,21.19,21.53,22.06,22.48,23.01,23.53,23.92,23.92,23.84,24.4],"n":[4147,4111,4072,4034,3989,3940,3910,3866,3802,3740,3661,3593,3517,3429,3348,3265,3180,3093,2995,2879,2754,2634,2455,2312,2159,2032,1915,1795,1697],"loans":4147},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19],"v":[0.07,0.13,0.44,1.09,2.39,4.45,6.91,8.65,10.0,11.68,12.89,14.68,15.84,17.11,17.99,18.75,19.36,19.68,20.2,20.83],"n":[5667,5545,5451,5343,5235,5127,4992,4858,4671,4512,4315,4143,3983,3811,3619,3429,3244,3069,2841,2568],"loans":5667},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10],"v":[0.06,0.18,0.61,1.49,3.77,6.73,9.27,11.8,13.88,15.27,16.76],"n":[5216,4987,4760,4559,4352,4133,3860,3534,3156,2822,2416],"loans":5216},"2025":{"m":[0,1,2,3,4,5,6,7],"v":[0.0,0.0,0.41,0.45,2.24,3.62,4.13,5.17],"n":[591,542,487,441,401,359,315,271],"loans":591}},"meta":{"2020":{"loans":39916,"ever60":2988,"everext":3092,"trusts":["AMCAR-2021-1","CARMX-2021-1","CRVNA-2021-P1","EART-2021-1","SDART-2021-1"],"lenders":["CarMax","Carvana","Exeter","GM Financial (AmeriCredit)","Santander"]},"2021":{"loans":84888,"ever60":5039,"everext":6284,"trusts":["ALLYA-2022-1","AMCAR-2022-1","CARMX-2022-1","CRVNA-2021-P1","CRVNA-2022-P1","EART-2022-1","FORDO-2022-A","GMCAR-2022-1","HAROT-2022-1","HART-2022-A","NAROT-2022-A","SDART-2022-1","WOART-2022-A"],"lenders":["Ally","CarMax","Carvana","Exeter","Ford","GM Financial","GM Financial (AmeriCredit)","Honda","Hyundai","Nissan","Santander","World Omni"]},"2022":{"loans":48107,"ever60":3592,"everext":4152,"trusts":["ALLYA-2022-1","AMCAR-2022-1","AMCAR-2023-1","CARMX-2023-1","CRVNA-2022-P1","EART-2022-1","EART-2023-1","WOSAT-2023-A"],"lenders":["Ally","CarMax","Carvana","Exeter","GM Financial (AmeriCredit)","World Omni"]},"2023":{"loans":69740,"ever60":5055,"everext":5667,"trusts":["ALLYA-2023-1","ALLYA-2024-1","CARMX-2024-1","EART-2023-1","EART-2024-1","GMCAR-2024-1","SDART-2023-6","SDART-2024-1","WOART-2024-A","WOSAT-2023-A"],"lenders":["Ally","CarMax","Exeter","GM Financial","Santander","World Omni"]},"2024":{"loans":77729,"ever60":4081,"everext":5222,"trusts":["ALLYA-2024-1","AMCAR-2024-1","BLAST-2025-1","CARMX-2025-1","CRVNA-2024-P2","CRVNA-2025-P1","EART-2025-1","FORDO-2025-A","GMCAR-2025-1","HAROT-2025-1","HART-2025-A","SDART-2025-1","VALET-2025-1","WOART-2025-A"],"lenders":["Ally","Bridgecrest","CarMax","Carvana","Exeter","Ford","GM Financial","GM Financial (AmeriCredit)","Honda","Hyundai","Santander","Volkswagen","World Omni"]},"2025":{"loans":25683,"ever60":346,"everext":596,"trusts":["ALLYA-2025-1","CRVNA-2025-P1","EART-2025-1","FORDO-2025-A"],"lenders":["Ally","Carvana","Exeter","Ford"]}},"reads":["At month 17 on book, the worst vintage on file is 2024 at 4.2% ever 60+ (14 trusts); the latest, 2025, sits at 1.7%, 2.5 points below it.","The 2025 vintage is below 2024 by 2.5 points at the same age (1.7% vs 4.2%), on 15,993 loans still observed at that month.","The two vintages first separate by a full point at month 9.","2.0% of the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 4.2%."]},"tier_prime":{"ever60":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.02,0.08,0.19,0.29,0.39,0.55,0.73,0.94,1.17,1.48,1.8,2.08,2.34,2.55,2.68,2.89,3.08,3.33,3.52,3.68,3.86,4.06,4.26,4.48,4.66,4.83,4.94,5.11,5.27,5.39,5.57,5.72,5.86,6.01,6.2,6.36,6.52,6.62,6.74,6.85,6.97,7.09,7.2,7.29,7.38,7.48],"n":[41336,41336,41336,41188,40762,40322,39957,39913,39911,39911,39911,39911,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910],"loans":41336},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.02,0.08,0.21,0.37,0.54,0.72,0.95,1.19,1.45,1.71,1.97,2.2,2.45,2.68,2.84,3.04,3.26,3.46,3.68,3.89,4.09,4.3,4.51,4.7,4.89,5.05,5.22,5.4,5.56,5.75,5.92,6.08,6.24,6.41,6.59,6.77,6.92,7.05,7.18,7.34,7.49,7.62,7.75,7.88,8.09,8.28],"n":[97059,97059,97023,96959,96802,96554,96306,96055,95779,95558,95340,95094,94881,94699,94541,94324,94178,93995,93724,93552,93313,93118,92913,92687,92485,92268,92061,91852,91653,91467,91253,91070,90866,90664,90447,90201,89933,89279,88888,88689,88496,88281,88079,87879,87681,87471,87210,85842,84554],"loans":97059},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.02,0.08,0.25,0.46,0.66,0.87,1.1,1.34,1.62,1.86,2.13,2.38,2.66,2.91,3.18,3.46,3.73,3.96,4.23,4.52,4.78,5.01,5.25,5.49,5.71,5.92,6.16,6.4,6.63,6.82,7.08,7.27,7.48,7.69,7.88,8.05,8.26,8.42,8.62,8.77,8.95,9.09,9.2,8.43,8.54,8.76],"n":[56234,56234,56234,56234,56234,56234,56234,56234,56234,56234,56233,56233,56233,56233,56233,56232,56232,56231,56231,56231,56231,56230,56229,56228,56228,56228,56227,56227,56227,56227,56227,56227,56227,56227,56227,56227,56227,56227,56227,56227,56226,56226,56225,56224,56221,50357,36694,36667,35704],"loans":56234},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34],"v":[0.0,0.0,0.0,0.0,0.06,0.2,0.38,0.55,0.78,0.97,1.17,1.38,1.58,1.77,1.97,2.18,2.4,2.57,2.77,2.97,3.19,3.37,3.56,3.76,3.96,4.16,4.37,4.59,4.78,4.98,5.14,5.32,5.54,5.58,4.97],"n":[65431,65417,64649,63221,61803,61740,61659,61578,61490,61409,61332,61269,61223,61153,61084,61014,60910,60678,60399,60138,59806,59505,59216,58950,58642,58302,57980,57666,57378,57066,56785,56488,54969,46734,30761],"loans":65431},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.0,0.0,0.0,0.02,0.05,0.12,0.2,0.31,0.46,0.58,0.71,0.85,1.0,1.18,1.37,1.56,1.73,1.91,2.06,2.24,2.43,2.77,3.16],"n":[74323,74323,74323,71799,69884,69800,69587,69461,69333,69213,69089,68956,68830,68702,68575,68453,68291,68047,67791,67498,62881,54656,39990],"loans":74323},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[0.0,0.0,0.0,0.04,0.12,0.2,0.36,0.47,0.6,0.75,0.95,1.18,1.37,1.6,1.92,2.28,2.56,2.78],"n":[35840,35077,33674,33640,33602,33571,33543,33519,33498,33453,33423,33393,33322,31490,27953,24549,24514,24483],"loans":35840}},"roll":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[1.58,3.72,30.26,33.09,35.01,36.63,38.85,40.22,42.17,43.22,44.09,44.95,45.98,47.17,48.18,49.29,50.17,50.49,51.35,51.93,52.34,53.45,53.73,54.9,55.71,56.54,56.88,57.6,58.01,58.86,59.88,60.4,60.48],"n":[3164,3122,3077,3037,3005,2970,2929,2882,2836,2788,2749,2714,2662,2595,2534,2459,2410,2349,2294,2226,2180,2114,2053,2002,1935,1866,1788,1705,1622,1546,1483,1399,1303],"loans":3165},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[1.6,4.51,33.62,36.75,38.54,40.53,42.26,44.26,45.65,47.05,48.02,48.88,49.74,50.79,51.76,52.81,53.84,54.54,55.13,55.37,56.03,56.66,57.31,58.08,58.98,59.65,60.46,61.2,61.81,62.0,62.47,63.09,63.56,64.14],"n":[7729,7647,7546,7425,7312,7221,7129,7017,6904,6787,6687,6561,6466,6354,6231,6093,5955,5834,5746,5608,5449,5312,5174,5031,4878,4734,4575,4382,4187,4024,3845,3644,3428,3235],"loans":7729},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30],"v":[1.61,5.91,44.51,47.9,49.63,51.15,52.68,54.14,55.43,56.71,57.8,58.61,59.34,60.36,61.21,62.14,63.05,63.63,64.48,65.12,65.6,66.17,66.44,66.87,67.65,68.42,68.98,69.39,70.24,70.97,71.62],"n":[5527,5465,5405,5344,5255,5191,5110,5033,4936,4835,4725,4632,4513,4387,4269,4157,4022,3932,3826,3707,3570,3456,3319,3212,3076,2935,2808,2685,2534,2394,2255],"loans":5528},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18],"v":[3.46,5.81,38.04,43.81,46.14,47.46,50.02,51.84,53.24,54.29,56.01,56.82,58.35,59.57,60.26,61.22,62.16,62.96,64.71],"n":[3348,3254,3157,3052,2941,2853,2749,2637,2515,2400,2303,2193,2077,1974,1857,1738,1620,1520,1414],"loans":3349},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10],"v":[1.49,6.16,48.23,52.55,54.57,55.87,57.87,59.74,61.35,62.76,64.53],"n":[2017,1917,1808,1703,1598,1498,1391,1247,1123,1015,905],"loans":2017},"2025":{"m":[0,1,2,3,4,5,6,7],"v":[0.0,5.98,46.48,50.61,52.56,54.79,55.92,58.61],"n":[780,719,654,575,508,449,397,331],"loans":780}},"everext":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.02,0.04,0.06,0.1,0.12,0.22,0.43,0.62,0.79,0.98,1.14,1.44,1.78,2.05,2.29,2.53,2.72,2.95,3.23,3.54,3.91,4.2,4.49,4.76,5.07,5.34,5.59,5.85,6.04,6.25,6.51,6.77,7.02,7.33,7.56,7.81,8.04,8.25,8.44,8.56,8.69,8.84,8.97,9.18,9.32,9.5,9.68],"n":[41336,41336,41336,41188,40762,40322,39957,39913,39911,39911,39911,39911,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910,39910],"loans":41336},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.01,0.04,0.08,0.11,0.16,0.25,0.47,0.85,1.23,1.56,1.89,2.23,2.66,3.1,3.45,3.73,4.02,4.33,4.64,5.02,5.43,5.82,6.18,6.54,6.9,7.2,7.5,7.75,7.93,8.15,8.36,8.57,8.79,9.05,9.28,9.5,9.76,9.94,10.11,10.28,10.39,10.52,10.67,10.84,11.0,11.14,11.36,11.5],"n":[97059,97059,97023,96959,96802,96554,96306,96055,95779,95558,95340,95094,94881,94699,94541,94324,94178,93995,93724,93552,93313,93118,92913,92687,92485,92268,92061,91852,91653,91467,91253,91070,90866,90664,90447,90201,89933,89279,88888,88689,88496,88281,88079,87879,87681,87471,87210,85842,84554],"loans":97059},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.02,0.1,0.16,0.2,0.26,0.39,0.71,1.2,1.68,2.11,2.45,2.83,3.17,3.49,3.83,4.08,4.33,4.61,4.91,5.19,5.57,5.87,6.17,6.54,6.8,7.07,7.31,7.53,7.76,8.01,8.32,8.63,8.92,9.15,9.39,9.6,9.82,10.0,10.22,10.39,10.55,10.69,10.81,10.95,10.72,8.9,8.99,9.13],"n":[56234,56234,56234,56234,56234,56234,56234,56234,56234,56234,56233,56233,56233,56233,56233,56232,56232,56231,56231,56231,56231,56230,56229,56228,56228,56228,56227,56227,56227,56227,56227,56227,56227,56227,56227,56227,56227,56227,56227,56227,56226,56226,56225,56224,56221,50357,36694,36667,35704],"loans":56234},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34],"v":[0.0,0.0,0.0,0.01,0.03,0.05,0.1,0.39,0.97,1.55,2.07,2.62,3.16,3.76,4.19,4.58,4.94,5.23,5.54,5.85,6.18,6.51,6.85,7.14,7.49,7.8,8.11,8.36,8.6,8.81,9.01,9.21,9.48,9.49,8.61],"n":[65431,65417,64649,63221,61803,61740,61659,61578,61490,61409,61332,61269,61223,61153,61084,61014,60910,60678,60399,60138,59806,59505,59216,58950,58642,58302,57980,57666,57378,57066,56785,56488,54969,46734,30761],"loans":65431},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.0,0.0,0.07,0.12,0.18,0.25,0.34,0.6,1.05,1.5,1.9,2.26,2.6,2.99,3.31,3.59,3.85,4.11,4.31,4.52,4.58,4.76,5.17],"n":[74323,74323,74323,71799,69884,69800,69587,69461,69333,69213,69089,68956,68830,68702,68575,68453,68291,68047,67791,67498,62881,54656,39990],"loans":74323},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[0.0,0.03,0.17,0.23,0.3,0.38,0.52,0.68,1.18,1.71,2.15,2.53,2.9,3.25,3.74,4.27,4.5,4.78],"n":[35840,35077,33674,33640,33602,33571,33543,33519,33498,33453,33423,33393,33322,31490,27953,24549,24514,24483],"loans":35840}},"rollext":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28],"v":[0.76,0.79,0.83,0.95,1.67,2.78,3.72,4.91,5.67,6.45,7.0,7.75,8.25,8.8,9.29,10.0,10.21,11.06,11.98,12.33,12.83,13.24,14.0,14.28,14.7,15.07,15.84,16.21,16.21],"n":[4079,4038,3957,3907,3835,3775,3712,3642,3581,3535,3485,3434,3359,3263,3166,3071,2968,2849,2737,2645,2541,2448,2365,2262,2163,2051,1926,1820,1709],"loans":4079},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[0.58,0.65,0.73,0.88,1.68,3.08,4.44,5.57,6.46,7.23,8.03,8.89,9.73,10.62,11.34,12.11,12.84,13.63,14.15,15.0,15.58,16.07,16.81,17.41,18.11,18.61,19.37,19.87,20.46,20.77,20.99,21.0,21.0],"n":[10929,10850,10744,10640,10524,10383,10282,10167,10007,9867,9715,9597,9471,9317,9142,8935,8738,8518,8320,8127,7900,7718,7524,7323,7129,6910,6608,6316,5997,5663,5321,4934,4591],"loans":10929},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30],"v":[0.12,0.19,0.28,0.62,1.82,4.1,5.83,7.36,8.59,9.78,10.86,11.91,13.08,14.37,15.05,15.74,16.65,17.49,18.3,19.05,19.88,20.52,21.75,22.69,23.45,23.82,24.11,24.66,25.36,26.02,26.34],"n":[6465,6415,6367,6314,6270,6213,6163,6104,6007,5923,5810,5717,5620,5483,5355,5229,5092,4979,4858,4692,4522,4362,4110,3896,3671,3463,3322,3187,3044,2928,2752],"loans":6465},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20],"v":[0.16,0.18,0.32,0.57,1.35,2.98,4.49,5.7,6.52,7.85,8.97,10.11,10.96,11.81,12.63,13.4,13.99,14.89,15.72,16.28,16.96],"n":[5551,5447,5365,5277,5195,5101,4987,4878,4706,4533,4337,4165,3998,3826,3643,3471,3303,3149,2952,2703,2418],"loans":5551},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12],"v":[0.11,0.17,0.42,0.5,1.96,3.51,4.83,5.98,7.24,8.14,9.09,10.29,10.72],"n":[3583,3453,3331,3192,3066,2935,2794,2608,2391,2188,1948,1730,1520],"loans":3583},"2025":{"m":[0,1,2,3,4,5,6,7,8],"v":[0.0,0.0,0.34,0.37,1.29,2.71,2.78,3.3,3.7],"n":[1359,1270,1175,1087,1009,921,827,696,567],"loans":1359}},"meta":{"2020":{"loans":41336,"ever60":3165,"everext":4089,"trusts":["CARMX-2021-1","CRVNA-2021-P1"],"lenders":["CarMax","Carvana"]},"2021":{"loans":97059,"ever60":7729,"everext":10945,"trusts":["ALLYA-2022-1","CARMX-2022-1","CRVNA-2021-P1","CRVNA-2022-P1","FORDO-2022-A","GMCAR-2022-1","HAROT-2022-1","HART-2022-A","NAROT-2022-A","WOART-2022-A"],"lenders":["Ally","CarMax","Carvana","Ford","GM Financial","Honda","Hyundai","Nissan","World Omni"]},"2022":{"loans":56234,"ever60":5528,"everext":6473,"trusts":["ALLYA-2022-1","CARMX-2023-1","CRVNA-2022-P1"],"lenders":["Ally","CarMax","Carvana"]},"2023":{"loans":65431,"ever60":3349,"everext":5551,"trusts":["ALLYA-2023-1","ALLYA-2024-1","CARMX-2024-1","GMCAR-2024-1","WOART-2024-A"],"lenders":["Ally","CarMax","GM Financial","World Omni"]},"2024":{"loans":74323,"ever60":2017,"everext":3589,"trusts":["ALLYA-2024-1","CARMX-2025-1","CRVNA-2024-P2","CRVNA-2025-P1","FORDO-2025-A","GMCAR-2025-1","HAROT-2025-1","HART-2025-A","VALET-2025-1","WOART-2025-A"],"lenders":["Ally","CarMax","Carvana","Ford","GM Financial","Honda","Hyundai","Volkswagen","World Omni"]},"2025":{"loans":35840,"ever60":780,"everext":1365,"trusts":["ALLYA-2025-1","CRVNA-2025-P1","FORDO-2025-A"],"lenders":["Ally","Carvana","Ford"]}},"reads":["At month 17 on book, the worst vintage on file is 2022 at 3.2% ever 60+ (3 trusts); the latest, 2025, sits at 2.8%, 0.4 points below it.","The 2025 vintage is above 2024 by 0.9 points at the same age (2.8% vs 1.9%), on 24,483 loans still observed at that month.","3.2% of the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 3.8%.","Of 2025 loans that reached 60+, 59% had charged off within 7 months of first going 60+.","The 2024 vintage was at 60% at the same point after first 60+."]},"tier_subprime":{"ever60":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.36,1.01,1.75,2.68,3.67,4.85,6.05,7.29,8.6,9.73,11.01,12.22,13.6,14.69,15.7,16.89,18.1,19.31,20.43,21.43,22.47,23.64,24.66,25.62,26.36,26.92,27.26,27.73,28.5,29.28,29.83,30.35,30.81,31.6,32.14,32.51,32.7,32.92,33.04,33.46,33.85,34.21,34.52,34.9,35.06,35.32],"n":[109750,109750,109748,109656,109289,108475,107401,106024,104486,102813,101069,99463,97862,96071,94249,92632,90998,89394,87842,86459,85041,83740,82455,81238,80296,79463,78723,78081,77131,75977,74882,74161,73448,72569,71669,70728,70109,69121,68269,67368,66534,65642,65042,64367,63705,62997,62221,61232,60457],"loans":109750},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45],"v":[0.0,0.0,0.0,0.63,1.88,3.55,5.38,7.2,9.06,11.0,12.82,14.71,16.61,18.53,20.21,21.58,22.79,23.94,25.21,26.69,28.16,29.36,30.45,31.55,32.8,33.78,34.43,34.67,35.07,35.64,36.27,36.77,37.35,37.69,38.16,38.27,38.68,39.17,39.79,39.98,40.13,40.49,41.09,41.81,42.43,43.09],"n":[111166,111166,101094,89615,83240,82505,81472,80324,79199,78186,77257,76438,75671,74945,74253,73679,73076,72406,71769,71117,70531,69794,69126,68509,68001,67290,66352,65137,64183,63539,62849,62018,61292,60355,59496,58336,57308,56457,56026,55117,54154,53365,52863,52441,51917,51361],"loans":111166},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44],"v":[0.0,0.0,0.0,0.56,1.73,3.34,5.18,6.89,8.59,10.05,11.49,12.96,14.49,15.9,17.17,18.32,19.36,20.44,21.51,22.62,23.66,24.71,25.65,26.65,27.67,28.66,29.17,29.35,29.56,30.11,30.89,31.65,32.12,32.85,32.42,31.61,31.72,32.34,32.58,32.65,32.63,33.04,33.58,34.21,34.95],"n":[53946,51361,51067,51029,50941,50795,50600,50415,50190,50002,49772,49514,49297,49095,48896,48682,48435,48185,47900,47600,47271,46938,46558,46218,45899,45580,45005,44292,43557,43149,42781,42462,41876,41548,40426,39111,38408,38002,37431,36866,36297,35924,35612,35329,24032],"loans":53946},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,0.0,0.0,0.75,2.01,3.61,4.99,6.31,8.07,10.07,12.01,13.85,15.58,17.18,18.83,20.43,21.76,23.03,24.25,25.69,27.14,28.66,30.1,31.22,32.16,33.11,34.25,35.47,36.3,36.63,36.99,37.7,38.65,39.2],"n":[118299,118299,117925,117333,116740,115978,114400,112846,111641,110679,109679,108765,107775,106721,105592,104470,103321,102244,101035,99900,98954,97972,96955,95611,94032,92598,91460,90599,89306,87456,85671,84366,78511,53462],"loans":118299},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.37,1.18,2.44,3.95,5.55,7.27,9.01,10.69,12.49,14.13,15.83,17.52,19.04,20.39,21.54,22.75,24.06,25.49,25.61],"n":[160406,160406,160343,160011,159484,158800,157791,156526,155283,154065,152834,151761,150553,149331,148055,146875,145624,144290,142836,141711,123540,82454],"loans":160406},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18],"v":[0.0,0.0,0.0,0.98,1.76,2.81,4.08,5.13,6.47,7.88,9.44,10.09,12.07,12.91,13.74,14.83,15.76,16.35,17.41],"n":[1455,1455,1425,1424,1424,1423,1423,1422,1422,1422,1420,1417,1417,1417,1412,1409,1409,1407,1407],"loans":1455}},"roll":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[1.29,4.02,28.37,35.35,39.03,41.3,43.94,46.15,48.35,50.16,51.74,53.26,54.7,55.98,57.03,57.99,58.86,59.4,59.71,59.92,60.24,60.39,60.45,60.65,60.96,61.05,61.41,61.66,61.98,62.46,63.05,63.61,64.26],"n":[33794,33606,33003,32118,31516,31023,30561,30171,29746,29309,28847,28396,27941,27465,26942,26425,25925,25192,24344,23433,22565,21741,20783,19958,19190,18438,17686,17033,16383,15735,15124,14556,13863],"loans":33823},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26],"v":[1.88,4.98,35.27,44.24,48.75,51.59,54.34,56.69,58.62,60.16,61.46,62.65,63.69,64.64,65.62,66.36,67.07,67.35,67.27,67.11,66.81,66.36,66.26,66.01,66.39,66.63,66.88],"n":[35381,35098,34522,33527,33000,32581,32094,31626,31078,30426,29788,29086,28397,27638,26921,26144,25383,24359,23125,21954,20715,19419,18208,17137,16294,15518,14693],"loans":35383},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23],"v":[0.07,3.85,31.77,41.33,46.37,48.93,51.34,53.66,55.58,57.45,58.9,60.08,60.97,61.89,62.54,63.05,63.53,63.7,63.64,63.67,63.85,63.33,62.63,61.99],"n":[19899,19733,19470,18834,18449,18034,17663,17295,16940,16567,16197,15725,15213,14725,14179,13628,13144,12557,11888,11201,10463,9672,8869,8114],"loans":19901},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[2.89,5.95,33.91,42.41,46.98,49.91,52.67,55.37,57.33,59.08,60.27,61.55,62.49,63.26,63.76,64.06,64.57,65.05],"n":[43712,42893,41691,39566,38550,37622,36530,35241,33765,32171,30691,28967,27127,25340,2340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16.1,17.57,19.3,20.97,22.63,24.09,25.38,26.66,27.77,28.8,29.63,30.38,30.91,31.44,31.61,31.82,31.75,31.53,31.36,31.38,31.97,31.99,32.52],"n":[21179,21049,20930,20826,20695,20530,20330,20113,19849,19610,19329,19069,18782,18461,18203,17886,17561,17203,16799,16334,15862,15327,14669,14041,13358,12650,11917,11202,10567,10058,9411,8599],"loans":21179},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20],"v":[0.04,0.09,0.42,1.48,3.59,6.62,9.54,12.08,14.39,16.64,18.89,20.85,22.76,24.6,26.01,27.27,28.03,28.7,29.4,30.11,30.79],"n":[35008,34494,33900,33368,32817,32159,31453,30671,29755,29016,28111,27224,26293,25259,24180,23028,21846,20625,19177,17389,15167],"loans":35008},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11],"v":[0.06,0.19,0.59,1.92,4.18,7.28,10.17,12.34,14.43,16.1,17.84,19.1],"n":[45734,44011,42311,40760,39189,37520,35334,32495,29193,26171,22511,18889],"loans":45734},"2025":{"m":[0,1,2,3,4,5,6,7,8],"v":[0.24,0.26,0.54,1.13,4.69,7.36,8.31,9.43,12.79],"n":[409,392,372,354,341,326,301,265,219],"loans":409}},"meta":{"2020":{"loans":109750,"ever60":33823,"everext":32615,"trusts":["AMCAR-2021-1","EART-2021-1","SDART-2021-1"],"lenders":["Exeter","GM Financial (AmeriCredit)","Santander"]},"2021":{"loans":111166,"ever60":35383,"everext":29372,"trusts":["AMCAR-2022-1","EART-2022-1","SDART-2022-1"],"lenders":["Exeter","GM Financial (AmeriCredit)","Santander"]},"2022":{"loans":53946,"ever60":19901,"everext":21179,"trusts":["AMCAR-2022-1","AMCAR-2023-1","EART-2022-1","EART-2023-1","WOSAT-2023-A"],"lenders":["Exeter","GM Financial (AmeriCredit)","World Omni"]},"2023":{"loans":118299,"ever60":43716,"everext":35024,"trusts":["EART-2023-1","EART-2024-1","SDART-2023-6","SDART-2024-1","WOSAT-2023-A"],"lenders":["Exeter","Santander","World Omni"]},"2024":{"loans":160406,"ever60":40514,"everext":45782,"trusts":["AMCAR-2024-1","BLAST-2025-1","EART-2025-1","SDART-2025-1"],"lenders":["Bridgecrest","Exeter","GM Financial (AmeriCredit)","Santander"]},"2025":{"loans":1455,"ever60":255,"everext":409,"trusts":["EART-2025-1"],"lenders":["Exeter"]}},"reads":["At month 18 on book, the worst vintage on file is 2021 at 25.2% ever 60+ (3 trusts); the latest, 2025, sits at 17.4%, 7.8 points below it.","The 2025 vintage is below 2024 by 5.3 points at the same age (17.4% vs 22.8%), on 1,407 loans still observed at that month.","The two vintages first separate by a full point at month 9.","23.0% of the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 23.4%."]},"lender_Ally":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.0,0.06,0.17,0.17,0.28,0.51,0.68,0.74,0.91,1.08,1.08,1.14,1.14,1.36,1.59,1.7,1.93,1.99,2.1,2.33,2.39,2.45,2.62,2.73,2.79,2.9,3.08,3.25,3.25,3.42,3.48,3.7,3.76,3.82,3.82,4.0,4.05,4.17,4.34,4.51,4.52,4.46,4.46,4.46,4.52],"n":[1763,1763,1763,1763,1763,1763,1763,1763,1762,1762,1762,1762,1761,1761,1761,1761,1761,1761,1760,1760,1759,1759,1758,1758,1758,1758,1758,1758,1756,1756,1756,1755,1755,1755,1755,1755,1755,1753,1753,1752,1752,1751,1750,1750,1748,1747,1747,1747,1747],"loans":1763},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.0,0.04,0.18,0.29,0.47,0.57,0.68,0.86,0.93,1.01,1.15,1.33,1.58,1.69,1.91,1.98,2.09,2.37,2.48,2.74,2.84,2.95,3.03,3.17,3.21,3.35,3.46,3.53,3.64,3.75,3.78,3.85,3.96,4.03,4.07,4.11,4.18,4.18,4.22,4.33,4.4,4.41,4.51,4.56,4.44],"n":[2783,2783,2783,2783,2783,2783,2783,2783,2783,2783,2782,2782,2782,2782,2782,2781,2781,2780,2780,2780,2780,2779,2778,2777,2777,2777,2776,2776,2776,2776,2776,2776,2776,2776,2776,2776,2776,2776,2776,2776,2775,2775,2774,2774,2771,2769,2769,2742,1779],"loans":2783},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39],"v":[0.0,0.0,0.0,0.0,0.01,0.06,0.14,0.22,0.36,0.44,0.54,0.63,0.76,0.86,0.94,1.07,1.19,1.32,1.4,1.52,1.66,1.79,1.91,2.02,2.16,2.3,2.42,2.52,2.62,2.76,2.82,2.93,3.02,3.25,3.43,3.52,3.67,3.8,3.87,3.99],"n":[18807,18793,18025,16597,15179,15178,15178,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,13985,11615,8633,8633,8633,8633,8633,8601],"loans":18807},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13],"v":[0.0,0.0,0.0,0.0,0.01,0.06,0.15,0.19,0.26,0.34,0.42,0.47,0.59,0.67],"n":[8725,8725,8725,8725,8722,8721,8721,8720,8720,8720,8718,8716,8676,6879],"loans":8725}},"roll":{"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18],"v":[0.0,0.75,22.27,34.07,40.34,41.77,44.64,46.65,47.82,49.1,52.0,51.53,54.03,55.7,57.33,58.66,60.08,61.6,63.98],"n":[546,531,512,496,476,462,448,433,412,387,375,359,335,316,300,283,263,250,236],"loans":546}},"everext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.17,0.57,0.74,1.14,1.36,1.82,2.04,2.33,2.44,2.61,2.9,2.95,3.12,3.3,3.52,3.7,3.81,4.04,4.32,4.49,4.55,4.56,4.73,5.01,5.07,5.47,5.47,5.58,5.75,5.81,5.93,6.1,6.16,6.16,6.28,6.34,6.46,6.46,6.53,6.7,6.75,6.75],"n":[1763,1763,1763,1763,1763,1763,1763,1763,1762,1762,1762,1762,1761,1761,1761,1761,1761,1761,1760,1760,1759,1759,1758,1758,1758,1758,1758,1758,1756,1756,1756,1755,1755,1755,1755,1755,1755,1753,1753,1752,1752,1751,1750,1750,1748,1747,1747,1747,1747],"loans":1763},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.14,0.47,0.9,1.26,1.65,2.01,2.34,2.59,2.84,3.06,3.24,3.38,3.49,3.78,3.96,4.36,4.43,4.68,4.93,5.04,5.15,5.22,5.37,5.44,5.69,5.76,5.84,5.98,6.09,6.2,6.27,6.27,6.38,6.41,6.52,6.63,6.78,6.78,6.83,7.04,7.15,7.03],"n":[2783,2783,2783,2783,2783,2783,2783,2783,2783,2783,2782,2782,2782,2782,2782,2781,2781,2780,2780,2780,2780,2779,2778,2777,2777,2777,2776,2776,2776,2776,2776,2776,2776,2776,2776,2776,2776,2776,2776,2776,2775,2775,2774,2774,2771,2769,2769,2742,1779],"loans":2783},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39],"v":[0.0,0.0,0.0,0.0,0.01,0.01,0.01,0.14,0.49,0.8,1.1,1.44,1.65,1.9,2.08,2.22,2.43,2.58,2.82,2.99,3.23,3.42,3.67,3.87,4.05,4.22,4.39,4.56,4.7,4.82,4.94,5.09,5.23,5.55,5.66,5.76,5.88,5.98,6.02,6.17],"n":[18807,18793,18025,16597,15179,15178,15178,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,15177,13985,11615,8633,8633,8633,8633,8633,8601],"loans":18807},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13],"v":[0.0,0.0,0.0,0.01,0.03,0.06,0.06,0.16,0.38,0.6,0.81,0.99,1.2,1.5],"n":[8725,8725,8725,8725,8722,8721,8721,8720,8720,8720,8718,8716,8676,6879],"loans":8725}},"rollext":{"2022":{"m":[0,1,2],"v":[0.0,0.0,0.0],"n":[203,203,202],"loans":203},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.0,0.37,1.52,2.58,3.69,3.71,4.58,5.41,6.81,7.48,8.6,9.01,9.43,9.8,10.53,11.42,12.21,12.28,14.33],"n":[880,859,841,824,806,792,776,759,728,698,666,646,615,593,566,541,510,494,464,434,391,356],"loans":880}},"meta":{"2021":{"loans":1763,"ever60":83,"everext":127,"trusts":["ALLYA-2022-1"],"lenders":["Ally"]},"2022":{"loans":2783,"ever60":132,"everext":203,"trusts":["ALLYA-2022-1"],"lenders":["Ally"]},"2023":{"loans":18807,"ever60":546,"everext":880,"trusts":["ALLYA-2023-1","ALLYA-2024-1"],"lenders":["Ally"]},"2025":{"loans":8725,"ever60":57,"everext":135,"trusts":["ALLYA-2025-1"],"lenders":["Ally"]}},"reads":["At month 13 on book, the worst vintage on file is 2021 at 1.1% ever 60+ (1 trust); the latest, 2025, sits at 0.7%, 0.4 points below it.","The 2025 vintage is below 2023 by 0.2 points at the same age (0.7% vs 0.9%), on 6,879 loans still observed at that month.","1.5% of the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 2.3%."]},"lender_Bridgecrest":{"ever60":{"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.21,0.97,2.36,4.5,6.93,9.29,10.91,12.44,14.48,16.69,19.02,20.97,22.53,23.85,25.14,26.6,28.0,29.59,30.54],"n":[29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,24312,15302],"loans":29519}},"roll":{"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10],"v":[0.01,34.15,43.76,49.15,52.15,54.72,56.93,59.5,63.46,66.08,67.99],"n":[8881,8501,8063,7656,7252,6824,6469,5968,5260,4649,4068],"loans":8881}},"everext":{"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.02,0.07,0.15,0.19,0.23,0.46,3.41,9.5,14.99,18.98,21.85,23.93,25.98,27.91,29.53,30.92,31.84,32.88,33.85,35.32,37.36],"n":[29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,29519,24312,15302],"loans":29519}},"rollext":{"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11],"v":[0.04,0.47,1.16,4.02,7.83,12.03,15.63,18.6,20.83,22.7,24.77,25.91],"n":[10445,10140,9815,9555,9251,8974,8547,7905,7330,6709,5942,5059],"loans":10445}},"meta":{"2024":{"loans":29519,"ever60":8881,"everext":10451,"trusts":["BLAST-2025-1"],"lenders":["Bridgecrest"]}},"reads":[]},"lender_CarMax":{"ever60":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.01,0.07,0.19,0.31,0.4,0.57,0.77,0.98,1.23,1.56,1.9,2.19,2.46,2.69,2.82,3.02,3.21,3.47,3.68,3.84,4.03,4.23,4.43,4.64,4.82,4.99,5.1,5.26,5.41,5.53,5.71,5.86,6.0,6.15,6.34,6.51,6.67,6.77,6.86,6.97,7.09,7.2,7.31,7.4,7.48,7.57],"n":[36102,36102,36102,35954,35528,35088,34723,34679,34677,34677,34677,34677,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676,34676],"loans":36102},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.01,0.13,0.37,0.65,0.95,1.26,1.68,2.09,2.51,2.94,3.4,3.79,4.21,4.61,4.84,5.1,5.42,5.7,6.02,6.33,6.6,6.89,7.15,7.43,7.69,7.9,8.1,8.31,8.5,8.71,8.91,9.09,9.26,9.42,9.57,9.79,9.96,10.09,10.22,10.38,10.54,10.7,10.84,10.96,11.1,11.22],"n":[42414,42414,42414,42414,42414,42411,42411,42411,42411,42411,42411,42411,42411,42411,42411,42411,42410,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409,42409],"loans":42414},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45],"v":[0.0,0.0,0.0,0.01,0.06,0.33,0.73,1.1,1.51,1.88,2.21,2.66,3.0,3.44,3.85,4.21,4.52,4.82,5.1,5.41,5.6,5.81,6.05,6.37,6.6,6.86,7.1,7.36,7.56,7.79,8.06,8.3,8.56,8.84,9.06,9.31,9.54,9.77,9.96,10.18,10.34,10.5,10.64,10.8,10.92,11.68],"n":[19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19526,19525,19525,13663],"loans":19526},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,0.0,0.0,0.0,0.12,0.34,0.64,0.95,1.32,1.66,1.97,2.33,2.65,2.97,3.34,3.67,4.03,4.25,4.58,4.87,5.17,5.43,5.7,5.94,6.18,6.45,6.74,7.03,7.31,7.56,7.79,8.03,8.22,8.53],"n":[25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,25915,20382],"loans":25915},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.0,0.01,0.03,0.11,0.19,0.29,0.38,0.44,0.54,0.67,0.76,0.9,1.04,1.15,1.28,1.35,1.46,1.57,1.71],"n":[27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,27945,22020],"loans":27945}},"roll":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31],"v":[1.83,3.27,29.11,31.8,33.63,35.21,37.59,38.74,40.79,41.67,42.4,43.33,44.38,45.65,46.76,47.79,48.62,48.93,49.8,50.45,50.7,51.83,52.25,53.59,54.39,55.17,55.44,56.16,56.46,57.18,58.3,58.84],"n":[2729,2689,2649,2613,2587,2559,2522,2483,2442,2402,2368,2340,2294,2232,2175,2107,2067,2009,1960,1901,1862,1802,1755,1711,1651,1586,1517,1444,1369,1303,1247,1171],"loans":2730},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35],"v":[2.48,4.26,32.62,35.41,37.06,39.16,41.08,43.12,44.48,46.04,47.15,47.98,48.72,49.57,50.39,51.47,52.54,53.03,53.7,54.07,54.8,55.31,55.93,56.72,57.77,58.32,58.96,59.88,60.32,60.61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month 21 on book, the worst vintage on file is 2021 at 6.0% ever 60+ (1 trust); the latest, 2024, sits at 1.7%, 4.3 points below it.","The 2024 vintage is below 2023 by 3.7 points at the same age (1.7% vs 5.4%), on 22,020 loans still observed at that month.","The two vintages first separate by a full point at month 8.","2.3% of the 2024 vintage had been extended at least once by month 13, below the highest prior vintage at 6.0%.","Of 2024 loans that reached 60+, 59% had charged off within 8 months of first going 60+.","The 2023 vintage was at 53% at the same point after first 60+."]},"lender_Carvana":{"ever60":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.08,0.13,0.13,0.17,0.32,0.42,0.5,0.67,0.78,0.96,1.13,1.34,1.49,1.6,1.74,2.01,2.24,2.43,2.46,2.62,2.77,2.94,3.15,3.44,3.59,3.73,3.92,4.07,4.34,4.47,4.62,4.81,4.97,5.1,5.27,5.41,5.54,5.66,5.92,6.06,6.19,6.34,6.48,6.55,6.69,6.84],"n":[5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234,5234],"loans":5234},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.05,0.08,0.14,0.24,0.37,0.5,0.6,0.76,0.96,1.16,1.33,1.47,1.63,1.8,1.95,2.13,2.32,2.47,2.63,2.81,3.01,3.26,3.46,3.61,3.77,3.95,4.18,4.4,4.58,4.84,5.02,5.21,5.38,5.59,5.78,5.88,6.01,6.19,6.35,6.57,6.75,6.88,7.0,7.18,7.3,7.43],"n":[22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670,22670],"loans":22670},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.04,0.09,0.22,0.33,0.44,0.54,0.7,0.89,1.08,1.29,1.47,1.64,1.87,2.1,2.36,2.65,2.9,3.17,3.48,3.81,4.04,4.27,4.51,4.77,4.96,5.2,5.44,5.68,5.92,6.08,6.33,6.52,6.73,6.93,7.1,7.27,7.49,7.67,7.89,8.07,8.26,8.42,8.59,8.75,8.87,8.98],"n":[33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925,33925],"loans":33925},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27],"v":[0.0,0.0,0.0,0.05,0.13,0.23,0.35,0.51,0.72,0.91,1.16,1.39,1.6,1.91,2.15,2.42,2.69,2.98,3.2,3.48,3.78,4.01,4.19,4.38,4.57,4.83,5.04,5.42],"n":[22695,22695,22695,22695,22695,22695,22695,22695,22695,22695,22695,22695,22695,22695,22695,22695,22695,22695,22695,22695,20872,20665,20665,20665,20665,20665,20665,12382],"loans":22695},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18],"v":[0.0,0.0,0.0,0.06,0.16,0.25,0.44,0.58,0.76,0.95,1.19,1.48,1.72,1.95,2.18,2.41,2.7,2.93,3.55],"n":[22382,22382,22382,22382,22382,22382,22382,22382,22382,22382,22382,22382,22382,22382,22382,22382,22382,22382,10626],"loans":22382}},"roll":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,6.47,37.38,41.04,43.54,45.5,46.68,49.37,50.76,52.85,54.59,55.08,55.98,56.47,56.82,58.24,59.48,59.71,60.48,60.62,61.95,62.82,62.42,62.54,63.38,64.29,64.94,65.52,66.4,67.9,68.22,68.42,68.52,68.45],"n":[435,433,428,424,418,411,407,399,394,386,381,374,368,363,359,352,343,340,334,325,318,312,298,291,284,280,271,261,253,243,236,228,216,206],"loans":435},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[0.05,5.24,40.14,43.78,46.24,47.74,49.2,50.9,52.4,53.66,54.05,54.79,55.61,56.85,58.3,59.32,59.89,60.92,61.47,61.55,61.91,62.99,63.49,64.16,64.9,65.97,67.24,67.33,67.95,68.03,68.58,68.86,68.84],"n":[1945,1929,1906,1889,1860,1833,1813,1784,1752,1722,1691,1659,1631,1606,1566,1529,1491,1461,1438,1394,1352,1313,1268,1236,1188,1143,1105,1053,1011,954,907,851,799],"loans":1945},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31],"v":[0.0,5.1,46.74,50.1,51.53,53.17,54.24,55.44,56.74,57.78,58.7,59.64,60.25,60.97,61.82,62.79,63.7,64.13,65.06,65.83,66.47,67.19,67.51,67.67,68.41,69.39,69.95,70.02,71.12,71.51,72.27,72.89],"n":[3249,3214,3179,3150,3097,3064,3022,2978,2929,2871,2811,2760,2692,2626,2556,2494,2416,2367,2307,2242,2159,2097,2013,1958,1871,1784,1704,1638,1558,1481,1399,1306],"loans":3249},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12],"v":[0.0,4.69,49.91,52.62,54.24,54.97,57.29,59.39,61.96,63.66,66.61,69.2,69.98],"n":[1160,1109,1056,1013,968,915,864,788,723,677,617,552,493],"loans":1160},"2025":{"m":[0,1,2,3,4,5,6,7],"v":[0.0,6.5,50.43,53.98,55.02,57.25,58.73,61.18],"n":[688,631,577,515,458,407,361,304],"loans":688}},"everext":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.04,0.08,0.17,0.21,0.27,0.29,0.42,0.61,0.71,0.76,0.97,1.11,1.18,1.26,1.32,1.43,1.53,1.7,1.78,2.08,2.31,2.5,2.62,2.71,2.83,2.94,3.13,3.19,3.29,3.34,3.46,3.67,3.73,3.88,4.05,4.15,4.26,4.38,4.51,4.64,4.78,4.95,5.08,5.25,5.39,5.62,5.83,5.94],"n":[523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month 18 on book, the 2025 vintage is the worst on file at 3.5% ever 60+ (1 trust), against 2.5% averaged over the 2020, 2021, 2022, 2024 vintages.","The 2025 vintage is above 2024 by 0.3 points at the same age (3.5% vs 3.2%), on 10,626 loans still observed at that month.","3.3% of the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 3.8%.","Of 2025 loans that reached 60+, 61% had charged off within 7 months of first going 60+.","The 2024 vintage was at 59% at the same point after first 60+."]},"lender_Exeter":{"ever60":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.78,2.27,3.64,5.37,6.96,8.76,10.37,11.91,13.58,14.75,16.22,17.46,19.15,20.32,21.42,22.71,24.0,25.24,26.32,27.21,27.97,28.96,29.73,30.5,31.03,31.55,31.67,31.81,32.37,32.99,33.19,33.31,33.33,33.88,34.38,34.87,34.89,34.63,34.3,34.55,34.86,35.2,35.22,35.12,34.97,35.22],"n":[36991,36991,36989,36978,36950,36872,36830,36817,36807,36799,36789,36761,36720,36690,36685,36681,36677,36676,36674,36672,36670,36582,36445,36263,36251,36242,36237,36232,36034,35752,35465,35441,35422,35157,34858,34519,34472,34431,34431,34181,33838,33477,33438,33407,33377,33184,32917,32610,32553],"loans":36991},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,1.18,3.44,5.95,8.59,11.09,13.43,15.58,17.49,19.47,21.54,23.57,25.32,26.73,27.87,29.06,30.24,31.61,32.88,33.8,34.52,35.37,36.35,37.4,38.42,38.16,37.77,38.02,38.69,39.3,39.85,39.63,39.41,39.64,40.27,40.96,41.54,41.08,40.65,40.72,41.16,41.62,42.08,42.59,41.5,39.84,39.08],"n":[41692,41692,37088,32417,30573,30554,30534,30516,30506,30486,30443,30398,30377,30375,30371,30367,30365,30361,30353,30330,30323,30137,29969,29857,29810,29791,29787,29263,28740,28508,28470,28418,28395,27934,27500,27291,27241,27223,27212,26708,26221,25990,25970,25941,25920,25906,25173,24216,23690],"loans":41692},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44],"v":[0.0,0.0,0.0,0.9,2.75,5.18,7.89,10.32,12.65,14.66,16.66,18.75,20.72,22.57,24.24,25.68,26.97,28.28,29.54,30.89,32.12,33.3,34.26,35.28,36.41,37.45,37.85,37.87,37.94,38.49,39.29,40.06,40.43,41.19,40.43,39.06,38.93,39.38,39.49,39.42,39.21,39.55,40.06,40.68,42.26],"n":[32605,30020,29733,29724,29701,29685,29670,29656,29640,29632,29599,29564,29553,29543,29542,29537,29532,29526,29522,29518,29465,29420,29299,29243,29210,29188,28888,28463,28030,27893,27868,27841,27576,27535,26706,25701,25268,25180,24885,24557,24204,24092,24063,24051,15749],"loans":32605},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33],"v":[0.0,0.0,0.0,0.24,1.31,3.05,4.99,6.89,8.61,10.52,12.39,14.28,16.18,17.96,19.83,21.66,23.11,24.48,25.72,27.24,28.58,30.01,31.3,31.79,31.61,31.55,32.27,33.36,33.71,33.77,33.84,34.74,35.85,36.57],"n":[35979,35979,35979,35960,35956,35945,35695,35672,35639,35634,35616,35612,35602,35592,35585,35581,35576,35568,35546,35528,35513,35484,35457,35024,34246,33583,33286,33199,32837,32339,31935,31894,31270,22697],"loans":35979},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.32,1.12,2.44,3.96,5.54,7.19,8.86,10.42,12.1,13.6,15.18,16.69,18.21,19.53,20.48,21.45,22.67,24.73,26.1],"n":[52089,52089,52089,52041,52021,52003,51990,51970,51955,51946,51930,51914,51895,51862,51813,51721,51592,51375,51190,51150,42659,29752],"loans":52089},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18],"v":[0.0,0.0,0.0,0.98,1.76,2.81,4.08,5.13,6.47,7.88,9.44,10.09,12.07,12.91,13.74,14.83,15.76,16.35,17.41],"n":[1455,1455,1425,1424,1424,1423,1423,1422,1422,1422,1420,1417,1417,1417,1412,1409,1409,1407,1407],"loans":1455}},"roll":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36],"v":[0.02,3.85,25.1,34.47,39.09,41.85,44.79,47.3,49.7,51.55,53.17,54.86,56.46,58.06,59.24,60.31,61.31,61.83,61.95,61.97,61.95,61.9,61.49,61.34,61.57,61.33,61.45,61.53,61.68,61.99,62.33,62.66,63.1,63.28,64.06,64.48,65.13],"n":[16238,16176,16069,15979,15906,15831,15744,15666,15567,15434,15319,15181,15060,14906,14754,14597,14435,14065,13591,13053,12506,12012,11380,10898,10489,10081,9663,9317,8984,8679,8385,8126,7704,7619,7278,6898,6634],"loans":16267},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31],"v":[0.02,3.48,30.92,42.33,48.05,51.32,54.39,57.0,59.13,60.99,62.45,63.72,65.02,66.12,67.15,67.95,68.85,69.13,68.91,68.82,68.35,67.52,66.94,66.18,66.42,66.65,66.78,66.65,66.86,67.35,67.48,68.28],"n":[16422,16343,16230,16122,16015,15949,15837,15715,15581,15433,15293,15093,14870,14617,14380,14080,13845,13335,12667,12038,11350,10602,9918,9357,8965,8645,8295,7940,7625,7356,7075,6778],"loans":16424},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24],"v":[0.06,4.25,32.78,44.22,49.94,52.93,55.63,58.26,60.34,62.12,63.68,64.96,65.98,66.9,67.48,67.85,68.27,68.55,68.54,68.52,68.61,68.0,67.24,66.6,66.62],"n":[15330,15204,15072,14920,14782,14635,14472,14294,14101,13886,13665,13317,12928,12524,12102,11653,11266,10765,10167,9579,8937,8245,7561,6904,6461],"loans":15332},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[0.05,4.03,31.7,43.11,49.11,52.4,55.32,57.92,59.86,61.77,63.14,64.01,64.78,65.07,6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8,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[0.04,0.08,0.75,2.21,5.11,9.36,13.12,16.01,18.36,20.74,22.72,24.99,27.13,29.1,30.89,32.53,34.24,35.54,36.69,37.8,38.71,39.16,39.66,39.81,39.93,39.8,39.29,38.86,38.8,39.22,39.32,40.2,41.15],"n":[13996,13917,13856,13814,13766,13706,13625,13558,13467,13386,13280,13170,13042,12895,12783,12622,12443,12262,12029,11733,11423,11090,10691,10253,9772,9262,8732,8217,7771,7407,6955,6380,5709],"loans":13996},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.04,0.09,0.62,2.02,4.55,8.19,11.41,14.1,16.53,18.78,21.16,23.23,25.22,27.17,28.63,29.8,30.23,30.42,31.07,31.45,32.33,32.74,33.61],"n":[16169,16018,15881,15759,15644,15490,15294,15060,14772,14518,14177,13829,13476,13064,12575,12045,11490,10935,10353,9607,8795,8032,6945],"loans":16169},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11],"v":[0.07,0.1,0.48,1.5,3.71,7.02,10.15,12.64,15.01,17.37,19.85,22.19],"n":[18374,17706,17171,16644,16143,15613,14870,13959,12762,11650,10243,8643],"loans":18374},"2025":{"m":[0,1,2,3,4,5,6,7,8],"v":[0.24,0.26,0.54,1.13,4.69,7.36,8.31,9.43,12.79],"n":[409,392,372,354,341,326,301,265,219],"loans":409}},"meta":{"2020":{"loans":36991,"ever60":16267,"everext":16017,"trusts":["EART-2021-1"],"lenders":["Exeter"]},"2021":{"loans":41692,"ever60":16424,"everext":14548,"trusts":["EART-2022-1"],"lenders":["Exeter"]},"2022":{"loans":32605,"ever60":15332,"everext":13996,"trusts":["EART-2022-1","EART-2023-1"],"lenders":["Exeter"]},"2023":{"loans":35979,"ever60":15457,"everext":16185,"trusts":["EART-2023-1","EART-2024-1"],"lenders":["Exeter"]},"2024":{"loans":52089,"ever60":13346,"everext":18409,"trusts":["EART-2025-1"],"lenders":["Exeter"]},"2025":{"loans":1455,"ever60":255,"everext":409,"trusts":["EART-2025-1"],"lenders":["Exeter"]}},"reads":["At month 18 on book, the worst vintage on file is 2021 at 30.2% ever 60+ (1 trust); the latest, 2025, sits at 17.4%, 12.8 points below it.","The 2025 vintage is below 2024 by 4.0 points at the same age (17.4% vs 21.4%), on 1,407 loans still observed at that month.","The two vintages first separate by a full point at month 11.","23.0% of the 2025 vintage had been extended at least once by month 13, below the highest prior vintage at 27.1%."]},"lender_Ford":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47],"v":[0.0,0.0,0.0,0.04,0.04,0.07,0.12,0.13,0.16,0.18,0.2,0.26,0.26,0.28,0.31,0.34,0.37,0.35,0.4,0.51,0.55,0.69,0.74,0.77,0.78,0.87,0.9,0.97,0.98,1.01,1.0,1.04,1.07,1.11,1.2,1.27,1.38,1.52,1.68,1.82,1.88,1.83,1.87,1.87,1.96,1.98,2.0,2.0],"n":[10654,10654,10618,10561,10479,10353,10236,10106,9970,9854,9727,9593,9458,9353,9258,9139,9030,8932,8798,8690,8593,8492,8390,8284,8186,8085,7964,7857,7748,7639,7516,7415,7300,7213,7096,6956,6799,6326,6058,5949,5855,5738,5622,5505,5405,5308,5201,5096],"loans":10654},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19],"v":[0.0,0.0,0.0,0.0,0.02,0.06,0.12,0.16,0.28,0.34,0.36,0.37,0.35,0.44,0.53,0.57,0.69,0.74,0.82,0.87],"n":[9696,9696,9696,7172,5257,5213,5166,5120,5065,5015,4958,4900,4858,4808,4751,4696,4639,4583,4518,4466],"loans":9696},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[0.0,0.0,0.0,0.04,0.12,0.32,0.37,0.41,0.33,0.38,0.6,0.87,0.88,0.94,0.82,0.97,1.08,1.14],"n":[4733,3970,2567,2533,2498,2468,2440,2417,2396,2351,2323,2295,2264,2229,2206,2167,2132,2101],"loans":4733}},"roll":{"2021":{"m":[0,1,2],"v":[0.0,10.87,15.0],"n":[238,230,200],"loans":238}},"everext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47],"v":[0.0,0.05,0.08,0.2,0.29,0.61,1.02,1.78,2.43,2.96,3.37,3.95,4.28,4.89,5.37,5.7,5.95,6.17,6.43,6.62,6.99,7.34,7.54,7.67,7.96,8.31,8.54,8.72,8.98,9.15,9.38,9.59,9.77,10.07,10.32,10.57,10.96,11.81,12.28,12.44,12.66,12.64,12.56,12.68,12.75,12.94,13.07,13.05],"n":[10654,10654,10618,10561,10479,10353,10236,10106,9970,9854,9727,9593,9458,9353,9258,9139,9030,8932,8798,8690,8593,8492,8390,8284,8186,8085,7964,7857,7748,7639,7516,7415,7300,7213,7096,6956,6799,6326,6058,5949,5855,5738,5622,5505,5405,5308,5201,5096],"loans":10654},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19],"v":[0.0,0.0,0.0,0.1,0.46,0.69,1.22,2.21,2.96,3.51,4.44,4.98,5.56,6.11,6.52,6.84,7.05,7.33,7.66,7.9],"n":[9696,9696,9696,7172,5257,5213,5166,5120,5065,5015,4958,4900,4858,4808,4751,4696,4639,4583,4518,4466],"loans":9696},"2025":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[0.0,0.03,0.31,0.55,0.84,1.13,2.34,3.1,4.47,5.53,6.33,7.1,7.86,8.21,8.66,8.81,8.96,9.52],"n":[4733,3970,2567,2533,2498,2468,2440,2417,2396,2351,2323,2295,2264,2229,2206,2167,2132,2101],"loans":4733}},"rollext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27],"v":[0.0,0.36,0.09,0.09,0.29,0.3,0.82,0.53,0.76,0.66,0.23,0.12,0.12,0.25,0.65,0.94,0.56,0.44,0.0,0.61,0.48,0.17,0.68,0.36,0.38,0.2,0.82,0.0],"n":[1149,1125,1091,1069,1035,1003,977,952,926,905,876,851,830,804,772,744,715,688,668,653,623,602,586,554,531,510,490,467],"loans":1149},"2024":{"m":[0,1,2,3,4,5,6,7,8,9],"v":[0.23,0.73,0.77,0.0,2.05,1.6,0.35,1.15,1.74,2.0],"n":[428,411,388,361,342,313,289,262,230,200],"loans":428},"2025":{"m":[0,1,2,3],"v":[0.0,0.0,0.47,0.0],"n":[234,222,213,202],"loans":234}},"meta":{"2021":{"loans":10654,"ever60":238,"everext":1149,"trusts":["FORDO-2022-A"],"lenders":["Ford"]},"2024":{"loans":9696,"ever60":59,"everext":428,"trusts":["FORDO-2025-A"],"lenders":["Ford"]},"2025":{"loans":4733,"ever60":35,"everext":234,"trusts":["FORDO-2025-A"],"lenders":["Ford"]}},"reads":["At month 17 on book, the 2025 vintage is the worst on file at 1.1% ever 60+ (1 trust), against 0.5% averaged over the 2021, 2024 vintages.","The 2025 vintage is above 2024 by 0.4 points at the same age (1.1% vs 0.7%), on 2,101 loans still observed at that month.","8.2% of the 2025 vintage had been extended at least once by month 13, above the highest prior vintage at 6.1%."]},"lender_GM Financial":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.03,0.08,0.09,0.14,0.18,0.27,0.24,0.3,0.4,0.38,0.44,0.45,0.55,0.62,0.67,0.68,0.72,0.8,0.71,0.83,0.91,0.96,0.93,0.98,1.04,1.06,1.08,1.14,1.13,1.2,1.27,1.38,1.41,1.44,1.56,1.59,1.68,1.76,1.85,1.96],"n":[4061,4061,4061,4061,4061,3981,3888,3802,3705,3632,3573,3505,3453,3408,3372,3302,3302,3261,3184,3184,3129,3096,3054,2996,2955,2910,2867,2824,2784,2756,2710,2681,2647,2592,2544,2499,2456,2399,2335,2286,2245,2196,2154,2120,2077,2029,1984,1945,1889],"loans":4061},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35],"v":[0.0,0.0,0.0,0.0,0.02,0.15,0.2,0.2,0.22,0.21,0.27,0.36,0.47,0.55,0.51,0.54,0.64,0.77,0.83,0.96,0.95,0.98,0.9,1.07,1.1,1.12,1.2,1.23,1.34,1.41,1.45,1.48,1.42,1.33,1.5,1.54],"n":[5228,5228,5228,5228,5228,5166,5085,5005,4917,4836,4759,4696,4650,4580,4511,4441,4372,4299,4227,4161,4088,3993,3902,3826,3742,3646,3573,3492,3426,3338,3252,3180,3102,3013,2924,2854],"loans":5228}},"roll":{},"everext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.02,0.03,0.03,0.21,0.46,0.58,0.78,0.97,1.22,1.67,1.93,1.94,2.36,2.64,2.7,2.8,2.88,3.2,3.41,3.64,4.03,4.33,4.29,4.57,4.71,4.75,4.98,5.07,5.14,5.13,5.5,5.72,5.86,5.96,6.17,6.47,6.59,6.6,6.69,6.79,6.98,7.24,7.36,7.46,7.62],"n":[4061,4061,4061,4061,4061,3981,3888,3802,3705,3632,3573,3505,3453,3408,3372,3302,3302,3261,3184,3184,3129,3096,3054,2996,2955,2910,2867,2824,2784,2756,2710,2681,2647,2592,2544,2499,2456,2399,2335,2286,2245,2196,2154,2120,2077,2029,1984,1945,1889],"loans":4061},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.04,0.18,0.35,0.6,0.95,1.17,1.42,1.59,2.06,2.34,2.61,2.88,3.15,3.22,3.55,3.93,4.05,4.18,4.38,4.55,4.73,4.9,5.14,5.42,5.72,5.85,6.06,6.07,6.29,6.48],"n":[5228,5228,5228,5228,5228,5166,5085,5005,4917,4836,4759,4696,4650,4580,4511,4441,4372,4299,4227,4161,4088,3993,3902,3826,3742,3646,3573,3492,3426,3338,3252,3180,3102,3013,2924,2854],"loans":5228}},"rollext":{"2021":{"m":[0,1,2],"v":[0.0,0.0,0.49],"n":[217,213,205],"loans":217},"2023":{"m":[0,1,2,3,4,5,6],"v":[0.0,0.0,0.82,0.85,2.61,2.7,3.76],"n":[252,248,243,236,230,222,213],"loans":252}},"meta":{"2021":{"loans":4061,"ever60":73,"everext":217,"trusts":["GMCAR-2022-1"],"lenders":["GM Financial"]},"2023":{"loans":5228,"ever60":117,"everext":252,"trusts":["GMCAR-2024-1"],"lenders":["GM Financial"]}},"reads":["At month 35 on book, the 2023 vintage is the worst on file at 1.5% ever 60+ (1 trust), against 1.1% averaged over the 2021 vintages.","The 2023 vintage is above 2021 by 0.5 points at the same age (1.5% vs 1.1%), on 2,854 loans still observed at that month.","1.6% of the 2023 vintage had been extended at least once by month 13, below the highest prior vintage at 1.7%."]},"lender_GM Financial (AmeriCredit)":{"ever60":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.01,0.1,0.26,0.55,0.88,1.35,1.61,2.01,2.36,2.82,3.33,3.9,4.39,4.79,5.03,5.47,5.96,6.5,7.08,7.54,8.15,8.8,9.53,10.17,10.63,10.98,11.21,11.59,11.88,12.25,12.64,13.01,13.37,13.74,14.27,14.82,14.99,15.32,15.56,15.8,16.33,16.61,16.95,17.46,17.76,18.1],"n":[16816,16816,16816,16813,16780,16670,16460,16237,15968,15634,15253,14933,14626,14280,13912,13585,13228,12875,12540,12241,11924,11645,11390,11103,10848,10650,10455,10293,10146,9957,9756,9565,9381,9203,9044,8868,8710,8519,8362,8219,8082,7932,7785,7636,7488,7346,7189,7034,6877],"loans":16816},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.26,0.74,1.27,2.02,2.74,3.54,4.21,4.7,5.67,6.52,7.05,7.87,8.26,8.61,9.05,9.4,9.99,10.53,11.08,11.56,12.13,12.86,13.31,13.93,14.05,14.28,14.82,15.41,15.52,15.96,16.78,17.12,17.37,17.21,17.05,17.51,18.31,18.94,19.43,19.69,20.16,20.75,21.03,21.69,22.32,22.9],"n":[8762,8762,8762,8727,8639,8517,8370,8204,8043,7880,7722,7608,7472,7361,7258,7154,7046,6926,6828,6688,6593,6497,6391,6284,6181,6093,5995,5866,5772,5723,5634,5503,5406,5363,5246,5129,4928,4792,4792,4747,4651,4539,4429,4330,4232,4117,4006,3916,3830],"loans":8762},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43],"v":[0.0,0.0,0.0,0.12,0.41,0.96,1.65,2.38,3.24,3.97,4.6,5.11,6.04,6.81,7.48,8.22,8.79,9.42,9.98,10.58,11.21,11.9,12.72,13.55,14.13,14.78,15.53,15.86,16.23,16.52,16.85,17.34,17.76,18.09,18.38,18.82,19.34,19.99,20.3,20.59,20.87,21.07,21.3,21.49],"n":[14451,14451,14444,14415,14350,14220,14040,13869,13660,13480,13283,13060,12854,12662,12464,12304,12100,11918,11719,11514,11333,11152,10987,10790,10598,10416,10231,10055,9851,9675,9440,9251,9025,8827,8625,8413,8228,8065,7897,7721,7537,7333,7130,6948],"loans":14451},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29],"v":[0.0,0.0,0.02,0.38,1.23,2.21,3.48,4.57,5.35,6.23,7.06,8.1,8.8,9.28,9.9,10.44,11.02,11.71,12.53,13.2,13.87,14.57,15.28,16.02,16.36,16.75,17.06,17.35,17.56,18.13],"n":[15013,15013,15011,14960,14847,14709,14562,14383,14182,13970,13749,13568,13343,13142,12918,12677,12395,12168,11913,11658,11429,11213,10962,10729,10525,10305,10098,9852,9603,8826],"loans":15013}},"roll":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[0.07,1.75,21.6,21.76,21.26,19.75,19.1,19.23,18.47,18.83,19.12,18.9,18.18,17.99,16.78,17.1,16.49,16.25],"n":[2759,2740,2648,2362,2168,2020,1895,1815,1716,1636,1548,1492,1419,1362,1299,1257,1207,1157],"loans":2759},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16],"v":[0.23,2.52,23.54,24.59,23.58,22.47,20.97,20.41,20.23,19.92,20.02,19.65,19.51,18.94,18.33,18.53,18.14],"n":[2167,2139,2039,1810,1675,1549,1440,1357,1285,1220,1164,1099,1051,1003,960,923,882],"loans":2167},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13],"v":[0.11,2.4,27.39,27.23,28.12,26.94,26.23,25.03,24.3,24.74,23.71,22.95,21.62,21.66],"n":[3705,3670,3542,3074,2841,2595,2387,2197,2058,1916,1784,1669,1568,1496],"loans":3705},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10],"v":[0.22,1.86,25.5,25.86,27.15,25.88,23.62,22.93,22.49,21.29,19.39],"n":[3199,3120,2996,2583,2383,2152,1960,1788,1632,1470,1346],"loans":3201}},"everext":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.01,0.06,0.19,0.46,1.4,3.72,6.37,8.78,11.18,13.23,15.37,17.51,19.29,20.77,21.89,22.87,24.02,25.34,26.76,28.04,29.36,30.56,31.68,32.82,34.0,34.69,35.53,36.3,36.95,37.61,38.57,39.44,40.04,40.78,41.48,42.15,42.6,43.01,43.34,43.88,44.38,44.81,45.33,45.74,46.37,47.0],"n":[16816,16816,16816,16813,16780,16670,16460,16237,15968,15634,15253,14933,14626,14280,13912,13585,13228,12875,12540,12241,11924,11645,11390,11103,10848,10650,10455,10293,10146,9957,9756,9565,9381,9203,9044,8868,8710,8519,8362,8219,8082,7932,7785,7636,7488,7346,7189,7034,6877],"loans":16816},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.01,0.12,0.31,0.63,2.12,5.74,10.04,13.4,16.23,19.38,22.17,24.29,26.07,27.63,28.93,30.21,31.98,33.46,34.99,36.14,37.44,38.59,39.83,40.55,41.27,41.44,42.16,42.74,43.38,43.99,44.81,45.67,46.27,47.14,47.37,47.62,48.22,48.98,49.42,49.83,50.62,51.28,51.98,52.6,53.24,53.94],"n":[8762,8762,8762,8727,8639,8517,8370,8204,8043,7880,7722,7608,7472,7361,7258,7154,7046,6926,6828,6688,6593,6497,6391,6284,6181,6093,5995,5866,5772,5723,5634,5503,5406,5363,5246,5129,4928,4792,4792,4747,4651,4539,4429,4330,4232,4117,4006,3916,3830],"loans":8762},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43],"v":[0.0,0.0,0.0,0.01,0.03,0.15,0.59,2.2,6.32,10.96,14.88,18.03,20.95,23.69,25.95,27.86,29.47,30.68,32.1,33.79,35.14,36.53,38.03,39.23,40.42,41.54,42.52,43.3,44.08,44.72,45.34,46.08,46.67,47.6,48.26,49.08,49.57,50.07,50.96,51.55,51.89,52.3,52.54,52.69],"n":[14451,14451,14444,14415,14350,14220,14040,13869,13660,13480,13283,13060,12854,12662,12464,12304,12100,11918,11719,11514,11333,11152,10987,10790,10598,10416,10231,10055,9851,9675,9440,9251,9025,8827,8625,8413,8228,8065,7897,7721,7537,7333,7130,6948],"loans":14451},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29],"v":[0.0,0.0,0.01,0.07,0.29,0.75,1.77,3.75,8.19,13.15,17.36,21.17,23.94,26.08,28.21,30.24,32.46,34.34,36.22,37.76,39.29,40.77,42.19,43.42,44.69,45.55,46.4,47.16,47.76,48.6],"n":[15013,15013,15011,14960,14847,14709,14562,14383,14182,13970,13749,13568,13343,13142,12918,12677,12395,12168,11913,11658,11429,11213,10962,10729,10525,10305,10098,9852,9603,8826],"loans":15013}},"rollext":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31],"v":[0.11,0.18,0.33,0.86,1.39,2.65,2.98,3.3,3.58,3.34,3.49,3.62,3.9,4.01,4.45,4.45,4.28,4.19,4.32,4.15,4.18,4.76,4.73,4.69,5.15,5.68,5.8,5.63,6.0,6.26,5.99,6.4],"n":[5550,5508,5442,5359,5256,5135,5008,4872,4724,4576,4468,4367,4259,4141,4045,3935,3833,3721,3632,3516,3398,3298,3194,3091,2990,2905,2812,2698,2600,2476,2352,2234],"loans":5550},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34],"v":[0.06,0.11,0.35,0.61,1.79,3.1,4.12,4.17,4.07,4.29,4.63,4.01,4.23,4.73,5.17,5.08,5.29,5.34,5.69,5.72,5.53,5.67,6.23,6.43,6.17,6.16,6.28,6.08,6.07,6.32,6.5,6.74,6.71,7.24,7.55],"n":[3510,3496,3466,3437,3410,3352,3278,3193,3099,3030,2957,2866,2813,2750,2688,2616,2569,2510,2445,2397,2349,2276,2216,2145,2075,2044,1976,1909,1845,1805,1739,1677,1594,1520,1444],"loans":3510},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27],"v":[0.13,0.23,0.54,1.24,2.4,4.01,5.07,5.48,5.97,5.93,5.87,5.97,6.19,6.78,7.13,7.08,7.03,6.94,7.15,6.97,7.11,7.47,7.31,7.1,7.36,7.38,7.76,8.28],"n":[6042,5999,5953,5900,5833,5740,5621,5471,5308,5163,5006,4873,4735,4590,4461,4323,4196,4047,3904,3757,3616,3456,3268,3113,2961,2804,2641,2487],"loans":6042},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[0.14,0.21,0.47,1.19,2.03,3.82,4.87,5.29,5.36,5.46,5.45,5.28,5.51,5.37,5.72,6.08,6.23,5.69],"n":[5914,5821,5714,5620,5517,5393,5212,4968,4737,4490,4235,4032,3793,3519,3270,3028,2795,2548],"loans":5914}},"meta":{"2020":{"loans":16816,"ever60":2759,"everext":5550,"trusts":["AMCAR-2021-1"],"lenders":["GM Financial (AmeriCredit)"]},"2021":{"loans":8762,"ever60":2167,"everext":3510,"trusts":["AMCAR-2022-1"],"lenders":["GM Financial (AmeriCredit)"]},"2022":{"loans":14451,"ever60":3705,"everext":6042,"trusts":["AMCAR-2022-1","AMCAR-2023-1"],"lenders":["GM Financial (AmeriCredit)"]},"2024":{"loans":15013,"ever60":3201,"everext":5917,"trusts":["AMCAR-2024-1"],"lenders":["GM Financial (AmeriCredit)"]}},"reads":["At month 29 on book, the 2024 vintage is the worst on file at 18.1% ever 60+ (1 trust), against 14.2% averaged over the 2020, 2021, 2022 vintages.","The 2024 vintage is above 2022 by 1.6 points at the same age (18.1% vs 16.5%), on 8,826 loans still observed at that month.","The two vintages first separate by a full point at month 5.","26.1% of the 2024 vintage had been extended at least once by month 13, above the highest prior vintage at 23.7%.","Of 2024 loans ever extended, 5% had charged off within 13 months of the first extension.","Of 2024 loans that reached 60+, 19% had charged off within 10 months of first going 60+.","The 2022 vintage was at 24% at the same point after first 60+."]},"lender_Honda":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.04,0.04,0.13,0.17,0.22,0.31,0.36,0.36,0.51,0.56,0.57,0.58,0.59,0.6,0.61,0.77,0.73,0.85,0.91,0.92,0.94,1.06,1.08,1.16,1.24,1.32,1.35,1.44,1.47,1.49,1.46,1.42,1.52,1.55,1.66,1.63,1.75],"n":[2622,2622,2622,2622,2620,2581,2544,2510,2471,2439,2410,2367,2344,2313,2288,2261,2225,2199,2165,2133,2092,2063,2037,2002,1976,1947,1926,1891,1863,1838,1815,1787,1754,1730,1696,1664,1634,1530,1498,1473,1440,1410,1382,1352,1326,1288,1201],"loans":2622},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.0,0.0,0.0,0.0,0.0,0.06,0.1,0.12,0.18,0.22,0.29,0.37,0.44,0.52,0.59,0.66,0.7,0.82,0.93,1.05,1.11,1.23,1.31],"n":[5363,5363,5363,5363,5363,5326,5163,5084,5013,4946,4881,4806,4726,4650,4580,4516,4453,4370,4300,4204,4129,4066,3741],"loans":5363}},"roll":{},"everext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46],"v":[0.0,0.0,0.0,0.0,0.04,0.08,0.16,0.28,0.36,0.37,0.5,0.59,0.77,0.78,0.92,0.97,1.03,1.05,1.06,1.13,1.2,1.21,1.28,1.25,1.32,1.44,1.51,1.53,1.56,1.58,1.6,1.57,1.6,1.68,1.71,1.74,1.77,1.96,2.14,2.24,2.29,2.27,2.24,2.44,2.49,2.56,2.41],"n":[2622,2622,2622,2622,2620,2581,2544,2510,2471,2439,2410,2367,2344,2313,2288,2261,2225,2199,2165,2133,2092,2063,2037,2002,1976,1947,1926,1891,1863,1838,1815,1787,1754,1730,1696,1664,1634,1530,1498,1473,1440,1410,1382,1352,1326,1288,1201],"loans":2622},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.0,0.0,0.0,0.04,0.06,0.19,0.25,0.33,0.38,0.49,0.53,0.62,0.68,0.82,0.85,0.93,0.99,1.03,1.07,1.14,1.24,1.23,1.26],"n":[5363,5363,5363,5363,5363,5326,5163,5084,5013,4946,4881,4806,4726,4650,4580,4516,4453,4370,4300,4204,4129,4066,3741],"loans":5363}},"rollext":{},"meta":{"2021":{"loans":2622,"ever60":29,"everext":42,"trusts":["HAROT-2022-1"],"lenders":["Honda"]},"2024":{"loans":5363,"ever60":54,"everext":70,"trusts":["HAROT-2025-1"],"lenders":["Honda"]}},"reads":["At month 22 on book, the 2024 vintage is the worst on file at 1.3% ever 60+ (1 trust), against 0.6% averaged over the 2021 vintages.","The 2024 vintage is above 2021 by 0.7 points at the same age (1.3% vs 0.6%), on 3,741 loans still observed at that month.","0.8% of the 2024 vintage had been extended at least once by month 13, above the highest prior vintage at 0.8%."]},"lender_Hyundai":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.0,0.02,0.07,0.09,0.13,0.22,0.31,0.38,0.43,0.48,0.54,0.62,0.67,0.73,0.82,0.89,1.04,1.08,1.13,1.19,1.25,1.36,1.41,1.49,1.55,1.59,1.67,1.73,1.8,1.91,1.96,2.04,2.11,2.16,2.28,2.34,2.38,2.43,2.47,2.49,2.5,2.54,2.57,2.62,2.65],"n":[10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465],"loans":10465}},"roll":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19],"v":[0.0,1.68,32.76,35.34,36.33,38.91,40.66,43.07,44.32,45.21,46.92,47.86,50.4,51.01,51.84,51.07,53.33,55.96,55.92,56.59],"n":[301,298,290,283,278,275,273,267,264,261,260,257,252,247,245,233,225,218,211,205],"loans":301}},"everext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.01,0.01,0.01,0.01,0.02,0.18,0.39,0.55,0.69,0.83,0.96,1.13,1.26,1.41,1.51,1.61,1.67,1.81,1.88,2.01,2.11,2.24,2.42,2.61,2.73,2.81,2.91,2.98,3.1,3.25,3.33,3.47,3.6,3.66,3.76,3.84,3.95,4.06,4.11,4.17,4.2,4.27,4.34,4.44,4.5,4.54,4.58],"n":[10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465,10465],"loans":10465}},"rollext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[0.0,0.0,0.0,0.0,0.83,1.47,1.91,2.35,3.27,3.56,3.84,4.34,5.06,6.1,6.62,7.86,9.02,10.31,11.02,10.78,11.7,11.88,11.94,11.56,11.69,12.96,13.45,14.54,15.53,15.64,16.23,17.13,16.91],"n":[504,500,495,489,483,476,472,468,459,450,443,438,435,426,423,407,399,388,381,371,359,345,335,320,308,301,290,282,264,243,228,216,207],"loans":504}},"meta":{"2021":{"loans":10465,"ever60":301,"everext":505,"trusts":["HART-2022-A"],"lenders":["Hyundai"]}},"reads":[]},"lender_Santander":{"ever60":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45],"v":[0.0,0.0,0.0,0.18,0.46,0.94,1.51,2.25,3.15,4.26,5.46,6.71,7.94,9.21,10.46,11.74,12.84,13.89,15.07,16.3,17.53,18.74,19.9,21.28,22.69,23.96,25.14,26.13,26.76,27.33,28.17,29.24,30.27,31.25,32.28,33.29,34.45,35.0,35.13,35.53,36.34,37.01,37.71,38.15,38.54,39.23],"n":[55943,55943,55943,55865,55559,54933,54111,52970,51711,50380,49027,47769,46516,45101,43652,42366,41093,39843,38628,37546,36447,35513,34620,33872,33197,32571,32031,31556,30951,30268,29661,29155,28645,28209,27767,27341,26927,26171,25476,24968,24614,24233,23819,23324,22840,22467],"loans":55943},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37],"v":[0.0,0.0,0.0,0.34,1.03,2.31,3.73,5.22,6.88,8.83,10.79,12.73,14.64,16.69,18.42,19.9,21.26,22.45,23.92,25.6,27.36,28.9,30.4,31.8,33.33,34.31,34.57,35.31,36.5,37.4,37.96,38.37,38.98,39.83,41.01,40.96,41.16,41.51],"n":[60712,60712,55244,48471,44028,43434,42568,41604,40650,39820,39092,38432,37822,37209,36624,36158,35665,35119,34588,34099,33615,33160,32766,32368,32010,31406,30570,30008,29671,29308,28745,28097,27491,27058,26750,25916,25139,24442],"loans":60712},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[0.0,0.0,0.0,0.99,2.35,3.92,5.07,6.15,7.95,10.03,12.04,13.88,15.56,17.1,18.64,20.16,21.42,22.65,23.87,25.27,26.79,28.38,29.91,31.42,33.04,34.58,35.99,37.31,38.45,38.97,39.54,40.18,41.27],"n":[80999,80999,80625,80052,79463,78712,77384,75853,74681,73724,72742,71832,70852,69808,68730,67612,66487,65445,64280,63182,62272,61332,60361,59465,58677,57914,57091,56338,55422,54086,52713,51469,46258],"loans":80999},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.49,1.31,2.53,3.78,5.12,6.8,8.84,10.9,12.85,14.53,16.31,18.26,19.97,21.52,22.85,24.22,25.71,26.94,26.9],"n":[63785,63785,63724,63491,63097,62569,61720,60654,59627,58630,57636,56760,55796,54808,53805,52958,52118,51228,50214,49384,45140,26187],"loans":63785}},"roll":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31],"v":[2.91,4.62,33.3,38.7,41.82,43.93,46.55,48.58,50.77,52.6,54.12,55.56,56.9,57.82,58.85,59.66,60.4,60.97,61.49,61.94,62.54,62.98,63.61,64.21,64.71,65.21,65.72,66.32,66.72,67.48,68.3,69.03],"n":[14797,14690,14286,13777,13442,13172,12922,12690,12463,12239,11980,11723,11462,11197,10889,10571,10283,9970,9655,9338,9072,8798,8522,8229,7903,7594,7293,7025,6754,6443,6189,5931],"loans":14797},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23],"v":[3.91,6.77,41.08,48.49,52.24,54.86,57.54,59.74,61.54,62.79,63.96,65.06,65.81,66.66,67.64,68.32,68.82,69.11,69.22,69.09,69.13,69.35,69.94,70.37],"n":[16792,16616,16253,15595,15310,15083,14817,14554,14212,13773,13331,12894,12476,12018,11581,11141,10656,10178,9649,9127,8600,8087,7594,7118],"loans":16792},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17],"v":[4.45,7.01,35.12,41.96,45.69,48.42,51.08,53.82,55.78,57.4,58.43,59.97,61.04,62.11,63.08,63.9,64.66,65.41],"n":[28194,27656,26792,24981,24267,23633,22881,22038,21021,19876,18832,17764,16731,15726,14714,13816,12892,12041],"loans":28194},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10],"v":[3.75,6.24,34.23,41.16,44.63,47.58,50.92,53.7,56.55,59.13,60.7],"n":[15086,14458,13635,12429,11666,10991,10198,9364,8422,7483,6547],"loans":15086}},"everext":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45],"v":[0.0,0.01,0.06,0.19,0.35,0.59,1.02,1.9,3.0,4.13,5.39,6.48,7.67,8.82,9.91,10.76,11.52,12.25,12.91,13.86,14.82,15.83,16.85,17.69,18.6,19.44,20.17,20.8,21.4,22.07,22.63,23.35,24.05,24.82,25.39,25.97,26.66,27.27,27.83,28.32,28.8,29.22,29.55,29.95,30.47,30.88],"n":[55943,55943,55943,55865,55559,54933,54111,52970,51711,50380,49027,47769,46516,45101,43652,42366,41093,39843,38628,37546,36447,35513,34620,33872,33197,32571,32031,31556,30951,30268,29661,29155,28645,28209,27767,27341,26927,26171,25476,24968,24614,24233,23819,23324,22840,22467],"loans":55943},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37],"v":[0.0,0.0,0.0,0.0,0.0,0.02,0.31,1.46,3.26,5.22,7.32,9.26,11.1,12.65,14.19,15.44,16.47,17.7,18.94,20.09,21.19,22.28,23.41,24.3,25.29,26.37,27.48,28.37,29.01,29.56,30.23,30.85,31.44,32.11,32.79,33.52,34.21,34.87],"n":[60712,60712,55244,48471,44028,43434,42568,41604,40650,39820,39092,38432,37822,37209,36624,36158,35665,35119,34588,34099,33615,33160,32766,32368,32010,31406,30570,30008,29671,29308,28745,28097,27491,27058,26750,25916,25139,24442],"loans":60712},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32],"v":[0.0,0.0,0.0,0.01,0.02,0.03,0.07,0.12,0.25,1.12,3.09,5.82,8.67,11.31,13.21,14.87,16.22,17.3,18.41,19.49,20.53,21.64,22.65,23.57,24.61,25.55,26.51,27.46,28.38,29.38,30.3,31.18,32.09],"n":[80999,80999,80625,80052,79463,78712,77384,75853,74681,73724,72742,71832,70852,69808,68730,67612,66487,65445,64280,63182,62272,61332,60361,59465,58677,57914,57091,56338,55422,54086,52713,51469,46258],"loans":80999},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.02,0.05,0.07,0.1,0.14,0.21,0.33,1.08,2.73,4.91,7.18,9.44,11.7,13.5,15.13,16.61,18.11,19.57,21.07,21.96],"n":[63785,63785,63724,63491,63097,62569,61720,60654,59627,58630,57636,56760,55796,54808,53805,52958,52118,51228,50214,49384,45140,26187],"loans":63785}},"rollext":{"2020":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34],"v":[0.03,0.05,0.12,0.49,1.67,3.49,5.39,7.23,8.82,10.48,12.03,13.48,14.84,16.14,17.49,18.7,19.8,20.84,21.59,22.52,23.34,24.26,25.22,26.09,26.84,27.54,28.14,28.75,29.61,30.27,30.57,31.03,31.48,32.45,33.14],"n":[11027,10943,10742,10506,10290,10076,9852,9634,9452,9264,9058,8844,8659,8476,8274,8122,7930,7764,7597,7439,7259,7090,6904,6708,6505,6314,6130,5933,5698,5458,5254,5069,4886,4702,4554],"loans":11027},"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28],"v":[0.02,0.04,0.18,0.75,2.45,5.03,8.0,10.57,12.99,14.97,17.24,19.06,20.99,22.52,24.02,25.21,26.52,27.35,28.71,29.32,30.03,30.82,31.3,31.59,31.97,32.37,32.94,33.27,33.58],"n":[11313,11243,11095,10943,10807,10665,10539,10415,10259,10079,9900,9700,9470,9268,9025,8773,8548,8297,8043,7807,7535,7242,6904,6541,6180,5824,5468,5091,4747],"loans":11313},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19],"v":[0.04,0.09,0.24,1.0,2.73,5.19,7.81,10.17,12.33,14.56,16.67,18.5,20.28,21.95,23.29,24.62,25.74,26.92,27.6,28.6],"n":[18711,18348,17893,17483,17047,16545,16035,15487,14862,14379,13815,13279,12703,12083,11496,10877,10253,9591,8729,7690],"loans":18711},"2024":{"m":[0,1,2,3,4,5,6,7],"v":[0.03,0.07,0.28,0.93,2.46,4.66,7.38,9.06],"n":[11001,10344,9611,8941,8278,7540,6705,5663],"loans":11001}},"meta":{"2020":{"loans":55943,"ever60":14797,"everext":11048,"trusts":["SDART-2021-1"],"lenders":["Santander"]},"2021":{"loans":60712,"ever60":16792,"everext":11314,"trusts":["SDART-2022-1"],"lenders":["Santander"]},"2023":{"loans":80999,"ever60":28194,"everext":18711,"trusts":["SDART-2023-6","SDART-2024-1"],"lenders":["Santander"]},"2024":{"loans":63785,"ever60":15086,"everext":11005,"trusts":["SDART-2025-1"],"lenders":["Santander"]}},"reads":["At month 21 on book, the worst vintage on file is 2021 at 28.9% ever 60+ (1 trust); the latest, 2024, sits at 26.9%, 2.0 points below it.","The 2024 vintage is below 2023 by 1.5 points at the same age (26.9% vs 28.4%), on 26,187 loans still observed at that month.","The two vintages first separate by a full point at month 4.","9.4% of the 2024 vintage had been extended at least once by month 13, below the highest prior vintage at 12.7%.","Of 2024 loans that reached 60+, 61% had charged off within 10 months of first going 60+.","The 2023 vintage was at 58% at the same point after first 60+."]},"lender_World Omni":{"ever60":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.0,0.04,0.13,0.22,0.31,0.35,0.53,0.62,0.66,0.88,1.02,1.02,1.1,1.2,1.31,1.41,1.58,1.79,2.06,2.23,2.37,2.57,2.69,2.88,3.06,3.1,3.29,3.39,3.48,3.6,3.75,3.98,4.06,4.33,4.46,4.5,4.69,4.86,4.97,5.21,5.48,5.77,5.98,6.13,6.31],"n":[2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2246,2222,2191,2149,2118,2087,2064,2029,1988,1967,1943,1927,1905,1884,1860,1840,1804,1787,1760,1725,1708,1682,1667,1642,1625,1610,1593,1568,1543,1522,1500,1475],"loans":2263},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43],"v":[0.0,0.0,0.0,0.0,0.12,0.33,0.7,1.2,1.68,2.1,2.58,3.03,3.53,4.05,4.4,4.72,5.16,5.61,6.19,6.58,6.97,7.46,8.05,8.67,9.26,9.87,10.3,10.86,11.33,11.83,12.33,12.74,13.19,13.69,14.23,14.83,15.37,16.0,16.43,16.72,17.14,17.72,18.13,18.66],"n":[6890,6890,6890,6890,6890,6890,6890,6890,6890,6890,6890,6890,6890,6890,6890,6841,6803,6741,6659,6568,6473,6366,6272,6185,6091,5976,5886,5774,5676,5581,5473,5370,5275,5186,5095,4997,4912,4757,4649,4588,4556,4499,4419,4330],"loans":6890},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34],"v":[0.0,0.0,0.0,0.01,0.03,0.13,0.24,0.31,0.45,0.58,0.69,0.82,0.89,1.01,1.1,1.23,1.34,1.45,1.58,1.72,1.89,2.03,2.18,2.38,2.59,2.73,2.88,3.08,3.19,3.35,3.45,3.62,3.81,3.96,4.03],"n":[16802,16802,16802,16802,16802,16802,16802,16802,16802,16802,16802,16802,16802,16802,16758,16758,16704,16518,16289,16075,15795,15576,15359,15154,14917,14665,14398,14144,13907,13667,13464,13219,12950,12691,10028],"loans":16802},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.0,0.0,0.0,0.0,0.05,0.18,0.25,0.37,0.6,0.71,0.87,1.0,1.22,1.41,1.71,1.98,2.22,2.38,2.59,2.86,3.08,3.32,3.53],"n":[8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8325,8221,8103,7961,7817,7682,4646],"loans":8364}},"roll":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27],"v":[0.0,2.91,32.13,41.79,45.28,47.14,48.63,50.12,52.11,54.64,55.48,56.02,56.76,58.44,60.24,62.04,62.46,62.73,64.03,64.09,64.75,64.89,65.26,65.1,64.93,65.53,65.78,66.48],"n":[864,859,856,840,826,804,804,804,781,765,748,739,717,705,674,648,618,601,581,557,539,507,475,447,422,409,377,352],"loans":864},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18],"v":[0.0,3.01,41.04,53.17,57.91,59.49,61.74,64.37,63.89,66.02,67.01,68.48,71.8,73.17,75.0,75.54,75.29,75.41,76.34],"n":[546,532,519,504,487,474,460,449,432,412,394,368,344,328,304,278,263,244,224],"loans":547},"2024":{"m":[0,1,2,3,4],"v":[0.0,2.81,44.73,58.11,63.73],"n":[262,249,237,222,204],"loans":262}},"everext":{"2021":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.22,0.62,0.93,1.37,1.86,2.12,2.52,3.18,3.76,3.98,4.36,4.55,4.84,4.98,5.29,5.37,5.81,5.96,6.34,6.71,7.15,7.37,7.61,7.86,7.96,8.15,8.37,8.62,8.69,8.99,9.31,9.63,9.84,9.93,10.09,10.19,10.23,10.27,10.37,10.45,10.6,10.85],"n":[2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2263,2246,2222,2191,2149,2118,2087,2064,2029,1988,1967,1943,1927,1905,1884,1860,1840,1804,1787,1760,1725,1708,1682,1667,1642,1625,1610,1593,1568,1543,1522,1500,1475],"loans":2263},"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43],"v":[0.0,0.0,0.0,0.0,0.0,0.01,0.06,0.55,1.63,2.99,3.98,4.98,5.82,6.63,7.39,7.89,8.28,8.74,9.31,10.02,10.81,11.56,12.48,13.34,14.07,14.78,15.19,15.78,16.31,16.74,17.14,17.75,18.31,18.94,19.53,19.99,20.34,20.9,21.08,21.14,21.47,21.85,22.31,22.77],"n":[6890,6890,6890,6890,6890,6890,6890,6890,6890,6890,6890,6890,6890,6890,6890,6841,6803,6741,6659,6568,6473,6366,6272,6185,6091,5976,5886,5774,5676,5581,5473,5370,5275,5186,5095,4997,4912,4757,4649,4588,4556,4499,4419,4330],"loans":6890},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34],"v":[0.0,0.0,0.0,0.0,0.0,0.0,0.01,0.2,0.57,0.93,1.3,1.61,1.86,2.47,2.66,2.92,3.18,3.4,3.61,3.83,4.03,4.3,4.58,4.79,5.03,5.28,5.53,5.74,5.98,6.23,6.38,6.6,6.76,6.95,7.27],"n":[16802,16802,16802,16802,16802,16802,16802,16802,16802,16802,16802,16802,16802,16802,16758,16758,16704,16518,16289,16075,15795,15576,15359,15154,14917,14665,14398,14144,13907,13667,13464,13219,12950,12691,10028],"loans":16802},"2024":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22],"v":[0.0,0.0,0.0,0.0,0.01,0.01,0.01,0.19,0.6,1.04,1.55,1.88,2.16,2.47,2.87,3.11,3.44,3.71,3.95,4.16,4.39,4.66,5.12],"n":[8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8364,8325,8221,8103,7961,7817,7682,4646],"loans":8364}},"rollext":{"2022":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28],"v":[0.0,0.0,0.09,0.27,1.19,2.31,3.6,4.43,5.77,7.16,8.25,9.55,10.65,11.68,12.41,13.5,13.67,15.55,16.74,16.94,17.01,17.54,18.73,20.0,20.96,21.23,22.43,22.89,23.33],"n":[1141,1133,1121,1112,1096,1084,1084,1084,1074,1061,1043,1026,1005,976,959,941,922,894,866,844,823,781,710,675,625,584,544,498,463],"loans":1141},"2023":{"m":[0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21],"v":[0.0,0.0,0.0,0.55,0.79,1.82,3.14,4.53,5.16,6.08,6.54,7.45,7.91,8.79,9.16,9.94,10.46,11.13,12.12,13.39,14.16,14.46],"n":[957,932,921,907,890,878,861,838,814,790,765,738,721,694,666,644,612,584,553,508,459,415],"loans":957},"2024":{"m":[0,1,2,3,4,5,6,7,8],"v":[0.0,0.0,0.3,0.61,1.28,1.35,3.2,4.35,5.33],"n":[369,353,338,329,313,296,281,253,225],"loans":369}},"meta":{"2021":{"loans":2263,"ever60":104,"everext":196,"trusts":["WOART-2022-A"],"lenders":["World Omni"]},"2022":{"loans":6890,"ever60":864,"everext":1141,"trusts":["WOSAT-2023-A"],"lenders":["World Omni"]},"2023":{"loans":16802,"ever60":547,"everext":957,"trusts":["WOART-2024-A","WOSAT-2023-A"],"lenders":["World Omni"]},"2024":{"loans":8364,"ever60":262,"everext":369,"trusts":["WOART-2025-A"],"lenders":["World Omni"]}},"reads":["At month 22 on book, the worst vintage on file is 2022 at 8.1% ever 60+ (1 trust); the latest, 2024, sits at 3.5%, 4.5 points below it.","The 2024 vintage is above 2023 by 1.3 points at the same age (3.5% vs 2.2%), on 4,646 loans still observed at that month.","The two vintages first separate by a full point at month 18.","2.5% of the 2024 vintage had been extended at least once by month 13, below the highest prior vintage at 6.6%."]}}}