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Auto loan portfolio overview
Total Applications
1,234
456 approved
Total Funded
$18.8M
$2,450,000 this month
Avg APR
5.9%
1.8% default rate
Pending Review
23
Awaiting decision
J*** S****
2025 Honda Civic Sport · *** credit score
$XX,XXX
funded
S**** J******
2025 Tesla Model 3 LR · *** credit score
$XX,XXX
approved
M*** D****
2025 Ford F-150 XLT · *** credit score
$XX,XXX
pending
E*** W*****
2025 Toyota Camry SE Hybrid · *** credit score
$XX,XXX
pending
A*** C***
2025 BMW 3 Series 330i · *** credit score
$XX,XXX
funded
Competitive activity across the lending marketplace
Lender C just dropped New Car Prime rates to 4.49% — 100 bps below your 5.49%. Expect borrower migration.
4 hours ago
8 pre-approved borrowers chose competitors this week. Primary reason: faster processing times.
1 day ago
EV loan applications are up 58% this quarter. Your Green Loan product is competitively positioned at 4.99%.
2 days ago
Fed rate hold signals stable auto loan rates through Q3. Good time to lock in competitive positioning.
3 days ago
A new lender joined the platform with instant-approval up to $45K for 680+ credit scores.
5 days ago
How your rates compare to other lenders on SOZOMOTO
Rate insight: Your Near-Prime New Car rate is 29 bps above market — consider a targeted reduction to capture more volume. Your Flexible Auto rate is extremely competitive at 121 bps below market, driving strong application flow.
Your position among 12 auto lenders on SOZOMOTO
Loan Volume
$18.75M funded — leader: $22.1M
Avg APR Competitiveness
5.9% avg — 2nd lowest is 5.5%
Borrower Satisfaction
4.5 / 5.0 avg rating
Approval Rate
37% approved — market avg: 34%
Default Rate
1.8% — industry target: under 2%
Processing Speed
18 hrs avg decision — leader: 4 hrs
Growth lever: Your Processing Speed (#7 of 12) is costing you deals. Lenders with same-day approvals see 45% higher funded-loan conversion.