Credit standards · Auto loan credit standards
FIFTH THIRD AUTO TRUST
Summary statistics computed from the Form ABS-EE asset-level file for this shelf, filed 2026-07-29. Regulation AB II requires this loan-level data for registered public auto-loan securitizations, so every figure below is a statement about a named, dated SEC filing — not about a company.
1,854 loans analysed, sampled systematically (every 20th record) from 37,084 records. CIK 1986424. Source filing.
Distributions
| Measure | 5th | 25th | Median | 75th | 95th |
|---|---|---|---|---|---|
| Credit score | 674 | 717 | 763 | 812 | 857 |
| APR | 3.5% | 4.9% | 5.9% | 6.8% | 8.7% |
| Payment-to-income | 2.1% | 4.5% | 6.9% | 9.7% | 14.5% |
| Term (months) | 60 | 72 | 73 | 76 | 85 |
| Loan-to-value | 96.1% | 140.3% | 179.6% | 220.6% | 275.0% |
| Vehicle model year | 2015 | 2018 | 2020 | 2022 | 2022 |
LTV is not comparable across shelves for this filing: the vehicle value source is filer-specific (codes 98, 2, 3), and the code meanings are not asserted here.
By credit score band
| Band | Range | Loans | Share | Median APR |
|---|---|---|---|---|
| near prime | 601-660 | 32 | 1.7% | 7.2% |
| prime | 661-780 | 1,051 | 56.7% | 6.1% |
| super prime | 781-900 | 771 | 41.6% | 5.2% |
Pool composition
- Originators: Fifth Third Bank National Association (1,854)
- Used vehicles: 56.0%
- Co-obligor present: 29.8%
- Zero-APR loans: 0.0%
- States present: 48
- Top states: OH (178), TX (147), FL (146), CA (98), NJ (85), IL (84), NC (82), NY (76)
What this is not
Not underwriting guidelines. Not a comparison of lenders. Not a description of any lender's programs or current practices. Each row describes one securitized pool, as reported in one filing, on one date - a sponsor-selected subset of what an originator funded. Issuers securitizing privately under Rule 144A file no asset-level data and are absent by construction.
Income and employment verification appear in the file only as raw Schedule AL codes (2 and 2). Their meanings are not asserted here — the filer's codebook is the only authority for what a code means, and this shelf published 40 codebook fields.
underwritingIndicator is recorded upstream but omitted here: filers apply it inconsistently and it cannot be read as an exception rate. Verification codes are raw and are not comparable across filers. LTV carries a per-shelf comparability flag.
Method: how these figures are computed. Data generated 2026-08-25 from the filing above.