# EDGAR Filing Document

**Accession Number:** 0002086449
**File Stem:** 0000929638-25-003783
**Filing Date:** 2025-10
**Character Count:** 22794
**Document Hash:** bd0c7ae71a821fb29cc2543d83732c28
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-25-003783.hdr.sgml**: 20251003

**ACCESSION NUMBER**: 0000929638-25-003783

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 3

**CONFORMED PERIOD OF REPORT**: 20251003

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20251003

**DATE AS OF CHANGE**: 20251003

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: Y

**ABS ASSET CLASS**: Auto loans

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFCAR, LLC
- **CENTRAL INDEX KEY:** 0001654238
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 453969432
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02288
- **FILM NUMBER:** 251373304

**BUSINESS ADDRESS:**
- **STREET 1:** 2101 W. JOHN CARPENTER FREEWAY
- **CITY:** IRVING
- **STATE:** TX
- **ZIP:** 75063
- **BUSINESS PHONE:** (214) 572-8276

**MAIL ADDRESS:**
- **STREET 1:** 2101 W. JOHN CARPENTER FREEWAY
- **CITY:** IRVING
- **STATE:** TX
- **ZIP:** 75063
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFCAR, LLC
- **CENTRAL INDEX KEY:** 0001654238
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 453969432
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 333-268757

**BUSINESS ADDRESS:**
- **STREET 1:** 2101 W. JOHN CARPENTER FREEWAY
- **CITY:** IRVING
- **STATE:** TX
- **ZIP:** 75063
- **BUSINESS PHONE:** (214) 572-8276

**MAIL ADDRESS:**
- **STREET 1:** 2101 W. JOHN CARPENTER FREEWAY
- **CITY:** IRVING
- **STATE:** TX
- **ZIP:** 75063
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EFCAR, LLC
- **CENTRAL INDEX KEY:** 0001654238
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 453969432
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02288

**BUSINESS ADDRESS:**
- **STREET 1:** 2101 W. JOHN CARPENTER FREEWAY
- **CITY:** IRVING
- **STATE:** TX
- **ZIP:** 75063
- **BUSINESS PHONE:** (214) 572-8276

**MAIL ADDRESS:**
- **STREET 1:** 2101 W. JOHN CARPENTER FREEWAY
- **CITY:** IRVING
- **STATE:** TX
- **ZIP:** 75063
**ISSUING ENTITY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Exeter Select Automobile Receivables Trust 2025-3
- **CENTRAL INDEX KEY:** 0002086449
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 2101 W. JOHN CARPENTER FREEWAY
- **CITY:** IRVING
- **STATE:** TX
- **ZIP:** 75063
- **BUSINESS PHONE:** (214) 572-8276

**MAIL ADDRESS:**
- **STREET 1:** 2101 W. JOHN CARPENTER FREEWAY
- **CITY:** IRVING
- **STATE:** TX
- **ZIP:** 75063

#### UNITED STATES

#### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### FORM ABS-15G

#### ASSET-BACKED SECURITIZER

#### REPORT PURSUANT TO SECTION 15G OF

#### THE SECURITIES EXCHANGE ACT OF 1934
Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period

__________ to __________

Date of Report (Date of earliest event reported): ____________

Commission File Number of securitizer: ____________

Central Index Key Number of securitizer: ____________

____________________________________________________________________________________________________________________________________________________________________________________

Name and telephone number, including area code, of the person to

contact in connection with this filing.

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐

&nbsp;&nbsp;&nbsp;&nbsp;☒ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0001654238

Exeter Select Automobile Receivables Trust 2025-3

____________________________________________________________________________________________________________________________________________________________________________________

(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): 0002086449

Central Index Key Number of underwriter (if applicable): __________

Jodi Blanton, (469) 754-4396

____________________________________________________________________________________________________________________________________________________________________________________

Name and telephone number, including area code, of the person to

contact in connection with this filing.

------

Item 2.01. **Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer.**

See Report of Independent Accountants on Applying Agreed-Upon Procedures, dated October 2, 2025, attached as Exhibit 99.1 to this Form ABS-15G.

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#### INDEX OF EXHIBITS

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| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| Exhibit 99.1 | Report of Independent Accountants on Applying Agreed-Upon Procedures, dated October 2, 2025 |

---

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#### SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: October 3, 2025

---

| | | |
|:---|:---|:---|
| EFCAR, LLC | EFCAR, LLC | EFCAR, LLC |
| (Depositor) | (Depositor) | (Depositor) |
| By:  | <u>/s/ Jason Kulas&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>  | <u>/s/ Jason Kulas&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>  |
|  | Name:  | Jason Kulas |
|  | Title: | Chief Executive Officer & Chief Financial Officer |

---

## Exhibit 99.1

#### Exhibit 99.1<br>

#### <br>

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| | | |
|:---|:---|:---|
| ![](ey_logo.gif) | <br>Ernst & Young LLP<br> One Manhattan West<br> New York, New York 10001 | <br>Tel: +1 212 773 3000<br> ey.com |

---

#### Report of Independent Accountants on Applying Agreed-Upon Procedures

EFCAR, LLC (the "Depositor") Exeter Finance LLC (the "Sponsor") 2101 W. John Carpenter Freeway Irving, Texas 75063 2 October 2025

---

| | |
|:---|:---|
| **Re:** | **Exeter Select Automobile Receivables Trust 2025-3 (the "Issuing Entity")<br> Automobile Receivables Backed Notes (the "Notes")<br> Sample Automobile Loan Contract Agreed-Upon Procedures** |

---

We have performed the procedures enumerated in Attachment A, which were agreed to and acknowledged as appropriate by the Depositor, Sponsor, Barclays Capital Inc. and J.P. Morgan Securities LLC (collectively, the "Specified Parties"), for the intended purpose of assisting the Specified Parties in evaluating the accuracy of certain information with respect to a pool of subprime automobile loan contracts secured by new and used automobiles, light duty trucks, minivans and sport utility vehicles (the "Automobile Loan Contracts") relating to the Issuing Entity's securitization transaction. This report may not be suitable for any other purpose. The procedures performed may not address all of the items of interest to a user of the report and may not meet the needs of all users of the report and, as such, users are responsible for determining whether the procedures performed are appropriate for their purposes. The appropriateness of these procedures is solely the responsibility of the Specified Parties identified in this report. No other party acknowledged the appropriateness of the procedures. Consequently, we make no representation regarding the appropriateness of the procedures described in Attachment A, either for the purpose for which this report has been requested or for any other purpose.

The procedures performed and our associated findings are included in Attachment A.

For the purpose of the procedures described in this report, the Sponsor, on behalf of the Depositor, provided us with:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. An electronic data file labeled "ESART 2025-3 Stat Pool - EY.xlsx" and the corresponding record layout and decode information, as applicable (the "Preliminary Data File"), that the Sponsor, on behalf of the Depositor, indicated contains
 information relating to certain subprime automobile loan contracts secured by new and used automobiles, light duty trucks, minivans and sport utility vehicles (the "Preliminary Automobile Loan Contracts") as of 26 August 2025
 (the "Preliminary Cutoff Date") that are expected to be representative of the Automobile Loan Contracts,

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| | |
|:---|:---|
| ![](ey_logo.gif)  | Page 2 of 3<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Imaged copies of the following documents (collectively, the "Source Documents"):

<br> i. Certain printed screen shots which the Sponsor, on behalf of the Depositor, indicated were from the Sponsor's customer acquisition and life cycle management system (the "CALMS System Screen Shots") and

<br> ii. Certain printed screen shots which the Sponsor, on behalf of the Depositor, indicated were from the Sponsor's global search imaging system (the "GS System Screen Shots"),

that the Sponsor, on behalf of the Depositor, indicated relate to the Sample Automobile Loan Contracts (as defined in Attachment A),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. An electronic data file labeled "ESART 2025-3 Bureau Reconciliation.xlsx" and the corresponding record layout and decode information, as applicable (the "FICO Schedule," together with the Source Documents, the "Sources"), that the Sponsor,
 on behalf of the Depositor, indicated contains FICO score information as of the Preliminary Cutoff Date, relating to each Sample Automobile Loan Contract,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. The list of relevant characteristics (the "Sample Characteristics") on the Preliminary Data File, which is shown on Exhibit 1 to Attachment A, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Instructions, assumptions and methodologies, which are described in Attachment A.

For the purpose of the procedures described in this report, certain information contained on the Preliminary Data File is the "Subject Matter" as of the date of this report.

The procedures included in Attachment A were limited to comparing or recalculating certain information that is further described in Attachment A. The Depositor is responsible for the Subject Matter, Preliminary Data File, Sources, Sample Characteristics and the determination of the instructions, assumptions and methodologies that are described herein. We were not requested to perform, and we have not performed, any procedures other than those listed in Attachment A. We have not verified, and we make no representation as to, the accuracy, completeness or reasonableness of the Sources or any other information provided to us, or that we were instructed to obtain, as applicable, by the Sponsor, on behalf of the Depositor, upon which we relied in forming our findings. Accordingly, we make no representation and express no opinion or conclusion as to (a) the existence of the Preliminary Automobile Loan Contracts or Automobile Loan Contracts, (b) questions of legal or tax interpretation or (c) the appropriateness, accuracy, completeness or reasonableness of any instructions, assumptions and methodologies provided to us by the Sponsor, on behalf of the Depositor, that are described in this report. We undertake no responsibility to update this report for events and circumstances occurring after the date hereof.

------

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| | |
|:---|:---|
| ![](ey_logo.gif) | Page 3 of 3<br>|

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This agreed-upon procedures engagement was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants (the "AICPA"). An agreed-upon procedures engagement involves the practitioner performing specific procedures that the Specified Parties have agreed to and acknowledged to be appropriate for the purpose of the engagement and reporting on findings based on the procedures performed. We were not engaged to, and did not, conduct an examination to express an opinion or a review to express a conclusion in accordance with attestation standards established by the AICPA on any of the items referred to herein. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported to you.

The agreed-upon procedures described in this report were not performed for the purpose of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Satisfying any criteria for due diligence published by a nationally recognized statistical rating organization (a "rating agency") or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Making any findings with respect to:

<br> i. Whether the origination of the Automobile Loan Contracts conformed to, or deviated from, stated underwriting or credit extension guidelines, standards, criteria, or other requirements,

<br> ii. The value of the collateral securing the Automobile Loan Contracts,

<br> iii. Whether the originator(s) of the Automobile Loan Contracts complied with federal, state or local laws or regulations or

<br> iv. Any other factor or characteristic of the Automobile Loan Contracts that would be material to the likelihood that the issuer of the Notes will pay interest and principal in accordance with applicable terms and conditions.

We are required to be independent of the Depositor and to meet our other ethical responsibilities, as applicable, for agreed-upon procedures engagements set forth in the Preface: Applicable to All Members and Part 1 – Members in Public Practice of the Code of Professional Conduct established by the AICPA. Independence requirements for agreed-upon procedures engagements are less restrictive than independence requirements for audit and other attestation services.

This report is intended solely for the information and use of the Specified Parties and is not intended to be, and should not be, used by anyone other than the Specified Parties. It is not intended to be, and should not be, used by any other person or entity, including investors and rating agencies, who are not identified in the report as Specified Parties but who may have access to this report as required by law or regulation.

/s/ Ernst & Young LLP

2 October 2025

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**---

| | |
|:---|:---|
| ![](ey_logo.gif) | Attachment A<br>|

---

**

#### <br>
<u> </u>

#### Procedures performed and our associated findings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. As instructed by the Sponsor, on behalf of the Depositor, we randomly selected a sample of 150 Preliminary Automobile Loan Contracts from the Preliminary Data File (the "Sample Automobile Loan Contracts"). For the purpose of this
 procedure, the Sponsor, on behalf of the Depositor, did not inform us as to the basis for how they determined the number of Sample Automobile Loan Contracts or the methodology they instructed us to use to select the Sample Automobile Loan
 Contracts from the Preliminary Data File.<br>
 For the purpose of the procedures described in this report, the 150 Sample Automobile Loan Contracts are referred to as Sample Automobile Loan Contract Numbers 1 through 150.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. For each Sample Automobile Loan Contract, we compared the Sample Characteristics listed on Exhibit 1 to Attachment A, as shown on the Preliminary Data
 File, to the corresponding information located in, or to the corresponding information we recalculated using information located in, the Sources, subject to the instructions, assumptions and methodologies provided by the Sponsor, on behalf of the Depositor, described in the notes to Exhibit 1 to Attachment
 A. The Source(s) that we were instructed by the Sponsor, on behalf of the Depositor, to use for each Sample Characteristic are shown on Exhibit 1 to Attachment A. Except for the information shown on Exhibit 2 to Attachment A, all such
 compared information was found to be in agreement.

------

#### Exhibit 1 to Attachment A Page 1 of 3<br>

#### Sample Characteristics and Sources

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| | | | |
|:---|:---|:---|:---|
| **Sample Characteristic** | **Preliminary**<br> **Data File Field Name**  | **Source(s)** | **Note(s)** |
| Application number | ApplicationNumber | CALMS System Screen Shots | i. |
| Vehicle identification number (VIN) | VIN | CALMS System Screen Shots |  |
| Origination date | NoteDate | CALMS System Screen Shots or GS System Screen Shots | ii. |
| Monthly P&I payment | MonthlyPaymentAmount | CALMS System Screen Shots or GS System Screen Shots | iii., iv. |
| Original amount financed | OriginalLoanBalanceAmount | CALMS System Screen Shots or GS System Screen Shots | ii., iii. |
| Original term to maturity | ContractTermInMonths | CALMS System Screen Shots |  |
| Annual percentage rate (APR) | CurrentInterestRate | CALMS System Screen Shots or GS System Screen Shots | v. |
| Model type (new/used) | VehicleNewUsedCode | CALMS System Screen Shots |  |
| Vehicle model year | VehicleModelYear | CALMS System Screen Shots |  |
| Vehicle make | VehicleMakeName | CALMS System Screen Shots |  |
| Vehicle model (excluding trim or engine type) | VehicleModelName | CALMS System Screen Shots |  |
| Borrower state (current) | BorrowerPrimaryStateCode | CALMS System Screen Shots |  |
|  FICO score | FICO | FICO Schedule |  |

---

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#### Exhibit 1 to Attachment A
Page 2 of 3<br>

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| | | | |
|:---|:---|:---|:---|
| **Sample Characteristic&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**  | **Preliminary**<br> **Data File Field Name&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**  | **Source(s)**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  | **Note(s)** |
|  Custom score | CustomScore | CALMS System Screen Shots |  |

---

**#### Notes :

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For identification purposes only.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For the purpose of comparing the origination date and original amount financed Sample Characteristics for each Sample Automobile Loan Contract (except for Sample Automobile Loan Contract Numbers 13, 19, 26, 30, 41, 42, 62, 78, 86, 108, 133, 136, and 150), the Sponsor, on behalf of the Depositor, instructed us to use the CALMS System Screen Shots as the Source.

For the purpose of comparing the origination date and original amount financed Sample Characteristics for Sample Automobile Loan Contract Numbers 13, 19, 26, 30, 41, 42, 62, 78, 86, 108, 133, 136, and 150, the Sponsor, on behalf of the Depositor, instructed us to use the GS System Screen Shots as the Source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. For the purpose of comparing the indicated Sample Characteristics for each Sample Automobile Loan Contract, the Sponsor, on behalf of the Depositor, instructed us to ignore differences of +/- $1.00 or less (and in accordance with any other applicable note(s)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. For the purpose of comparing the monthly P&I payment Sample Characteristic for each Sample Automobile Loan Contract (except for Sample Automobile Loan Contract Numbers 19, 26, 30, 41, 42, 62, 78, 86, 108, 133, and 150), the Sponsor, on behalf of the Depositor, instructed us to use the CALMS System Screen Shots as the Source (and in accordance with any other applicable note(s)).

For the purpose of comparing the monthly P&I payment Sample Characteristic for Sample Automobile Loan Contract Numbers 19, 26, 30, 41, 42, 62, 78, 86, 108, 133, and 150, the Sponsor, on behalf of the Depositor, instructed us to use the GS System Screen Shots as the Source (and in accordance with any other applicable note(s)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. For the purpose of comparing the annual percentage rate (APR) Sample Characteristic for each Sample Automobile Loan Contract (except for Sample Automobile Loan Contract Number 90), the Sponsor, on behalf of the Depositor, instructed us to use the CALMS System Screen Shots as the Source.

For the purpose of comparing the annual percentage rate (APR) Sample Characteristic for Sample Automobile Loan Contract Number 90, the Sponsor, on behalf of the Depositor, instructed us to use the GS System Screen Shots as the Source.**

<br> ------

#### Exhibit 1 to Attachment A
Page 3 of 3<br>

For the purpose of comparing the annual percentage rate (APR) Sample Characteristic for each Sample Automobile Loan Contract, the Sponsor, on behalf of the Depositor, instructed us to ignore differences of +/- 0.10% or less.

We performed no procedures to determine the accuracy, completeness or reasonableness of the instructions, assumptions and methodologies provided by the Sponsor, on behalf of the Depositor, described in the notes above.

------

#### Exhibit 2 to Attachment A

#### Sample Characteristic Difference

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| | | | |
|:---|:---|:---|:---|
| **Sample Automobile Loan**<br> **Contract Number** | **Sample Characteristic** | **Preliminary**<br> **Data File Value** | **Source(s) Value** |
| 68 | Borrower state (current) | SC | NC |

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<br>