Credit standards · Auto loan credit standards
WORLD OMNI SELECT 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.
902 loans analysed, sampled systematically (every 20th record) from 18,058 records. CIK 1966071. Source filing.
Distributions
| Measure | 5th | 25th | Median | 75th | 95th |
|---|---|---|---|---|---|
| Credit score | 582 | 621 | 645 | 727 | 821 |
| APR | 4.5% | 6.7% | 8.5% | 11.9% | 16.2% |
| Payment-to-income | 3.5% | 7.0% | 10.5% | 14.9% | 20.2% |
| Term (months) | 73 | 74 | 76 | 77 | 80 |
| Loan-to-value | 71.5% | 99.4% | 112.6% | 125.0% | 142.0% |
| Vehicle model year | 2017 | 2021 | 2022 | 2022 | 2023 |
By credit score band
| Band | Range | Loans | Share | Median APR |
|---|---|---|---|---|
| subprime | 501-600 | 119 | 13.2% | 12.4% |
| near prime | 601-660 | 397 | 44.0% | 10.6% |
| prime | 661-780 | 276 | 30.6% | 7.2% |
| super prime | 781-900 | 107 | 11.9% | 6.7% |
Pool composition
- Originators: WORLD OMNI FINANCIAL CORP (902)
- Used vehicles: 19.3%
- Co-obligor present: 36.8%
- Zero-APR loans: 0.0%
- States present: 28
- Top states: FL (427), GA (177), AL (108), NC (91), SC (59), TX (4), IN (3), NY (3)
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, 1 and 2, 3). Their meanings are not asserted here — the filer's codebook is the only authority for what a code means, and this shelf published none.
underwritingIndicator is recorded upstream but omitted here: filers apply it inconsistently and it cannot be read as an exception rate. Verification codes are raw and are not comparable across filers. LTV carries a per-shelf comparability flag.
Method: how these figures are computed. Data generated 2026-08-25 from the filing above.