EX-99.1 2 efc7-1024_6037561ex991.htm COLLATERAL TABLES Collateral Tables
EXHIBIT 99.1

 
 
THE FINAL MORTGAGE POOL
 
Loan Programs
 
Loan Program
 
Number of
Mortgage
Loans
 
Aggregate
Principal Balance
Outstanding
 
% of Mortgage Loans
 
Average
Principal Balance
Outstanding ($)
 
Weighted Average Current Mortgage Rate (%)
 
Weighted Average Remaining Term to Maturity (Months)
 
Weighted Average FICO Credit Score
 
Weighted Average Original Combined Loan-to-Value Ratio (%)
 
5 Year Term
   
3
 
$
92,414
   
0.01
%
 
30,805
   
10.033
   
59.00
   
727
   
69.8
 
10 Year Term
   
861
   
27,878,937
   
1.74
   
32,380
   
7.854
   
119.07
   
729
   
74.3
 
15 Year Term
   
8,292
   
338,747,242
   
21.17
   
40,852
   
7.922
   
179.05
   
724
   
80.8
 
20 Year Term
   
268
   
13,723,281
   
0.86
   
51,206
   
9.426
   
237.49
   
691
   
81.4
 
25 Year Term
   
3
   
98,777
   
0.01
   
32,926
   
9.615
   
298.40
   
687
   
83.0
 
30 Year Term
   
2,864
   
168,622,785
   
10.54
   
58,877
   
8.016
   
357.36
   
725
   
84.5
 
10 Year Term - 10 Year Interest Only Period
   
200
   
11,376,931
   
0.71
   
56,885
   
8.621
   
119.15
   
731
   
91.0
 
10 Year Term - 15 Year Interest Only Period
   
1
   
60,000
   
(1
)
 
60,000
   
7.950
   
118.00
   
802
   
84.4
 
15 Year Term - 15 Year Interest Only Period
   
827
   
51,020,355
   
3.19
   
61,693
   
8.319
   
179.21
   
735
   
89.3
 
25 Year Term - 10 Year Interest Only Period
   
2,669
   
163,947,440
   
10.25
   
61,427
   
8.330
   
299.15
   
729
   
87.2
 
30 Year Term - 10 Year Interest Only Period
   
11
   
805,281
   
0.05
   
73,207
   
10.751
   
359.81
   
667
   
87.4
 
30/10 Balloon
   
2
   
61,552
   
(1
)
 
30,776
   
9.788
   
118.53
   
757
   
97.2
 
30/15 Balloon
   
17,159
   
823,503,899
   
51.47
   
47,993
   
8.435
   
178.94
   
730
   
90.4
 
30/20 Balloon
   
1
   
61,044
   
(1
)
 
61,044
   
9.250
   
237.00
   
756
   
99.9
 
Total
   
33,161
 
$
1,599,999,938
   
100.00
%
                             
___________
(1)  Less than 0.01%.
 
Original Terms to Stated Maturity(1)
 
Original Term
to Maturity (Months)
 
Number of
Mortgage
Loans
 
Aggregate
Principal Balance
Outstanding
 
% of Mortgage Loans
 
Average
Principal Balance
Outstanding ($)
 
Weighted Average Current Mortgage Rate (%)
 
 
Weighted Average Remaining Term to Maturity (Months)
 
Weighted Average FICO Credit Score
 
Weighted Average Original Combined Loan-to-Value Ratio (%)
 
60
   
3
 
$
92,414
   
0.01
%
 
30,805
   
10.033
   
59.00
   
727
   
69.8
 
120
   
1,064
   
39,377,419
   
2.46
   
37,009
   
8.079
   
119.09
   
730
   
79.2
 
180
   
26,278
   
1,213,271,496
   
75.83
   
46,171
   
8.287
   
178.98
   
728
   
87.7
 
240
   
269
   
13,784,325
   
0.86
   
51,243
   
9.425
   
237.49
   
691
   
81.5
 
300
   
2,672
   
164,046,217
   
10.25
   
61,395
   
8.331
   
299.15
   
729
   
87.2
 
360
   
2,875
   
169,428,066
   
10.59
   
58,932
   
8.029
   
357.37
   
725
   
84.5
 
Total
   
33,161
 
$
1,599,999,938
   
100.00
%
                             
____________
(1)As of the Cut-off Date, the weighted average original term to stated maturity of the Mortgage Loans was approximately 210 months.
 

A-1


 
Current Mortgage Loan Principal Balances(1)
 
 
Range of
Current Mortgage
Loan Principal Balances ($)
 
Number of
Mortgage
Loans
 
Aggregate
Principal
Balance
Outstanding
 
% of Mortgage Loans
 
Average
Principal Balance
Outstanding ($)
 
Weighted Average Current Mortgage Rate (%)
 
Weighted Average Remaining Term to Maturity (Months)
 
Weighted Average FICO Credit Score
 
Weighted Average Original Combined Loan-to-Value Ratio (%)
 
0.01 - 25,000.00
   
7,828
 
$
145,426,885
   
9.09
%
 
18,578
   
8.526
   
192.33
   
730
   
86.8
 
25,000.01 - 50,000.00
   
14,074
   
515,311,523
   
32.21
   
36,614
   
8.371
   
200.64
   
728
   
88.7
 
50,000.01 - 75,000.00
   
6,425
   
392,313,861
   
24.52
   
61,061
   
8.210
   
209.59
   
727
   
87.1
 
75,000.01 - 100,000.00
   
2,731
   
239,843,778
   
14.99
   
87,823
   
8.083
   
216.25
   
725
   
85.7
 
100,000.01 - 150,000.00
   
1,472
   
179,624,281
   
11.23
   
122,027
   
8.218
   
220.77
   
729
   
86.5
 
150,000.01 - 200,000.00
   
442
   
77,274,152
   
4.83
   
174,828
   
8.168
   
228.59
   
730
   
85.0
 
200,000.01 - 250,000.00
   
131
   
29,978,700
   
1.87
   
228,845
   
7.882
   
245.94
   
736
   
82.3
 
250,000.01 - 300,000.00
   
24
   
6,710,701
   
0.42
   
279,613
   
8.433
   
228.02
   
741
   
82.9
 
300,000.01 - 350,000.00
   
14
   
4,590,353
   
0.29
   
327,882
   
8.649
   
223.33
   
728
   
79.1
 
350,000.01 - 400,000.00
   
7
   
2,619,091
   
0.16
   
374,156
   
8.630
   
197.66
   
722
   
73.8
 
400,000.01 - 450,000.00
   
6
   
2,635,399
   
0.16
   
439,233
   
9.278
   
230.00
   
753
   
86.6
 
450,000.01 - 500,000.00
   
6
   
2,996,213
   
0.19
   
499,369
   
8.119
   
238.49
   
746
   
78.7
 
650,000.01 - 700,000.00
   
1
   
675,000
   
0.04
   
675,000
   
8.625
   
298.00
   
702
   
95.0
 
Total
   
33,161
 
$
1,599,999,938
   
100.00
%
                             
___________
(1) As of the Cut-off Date, the average current mortgage loan principal balance of the Mortgage Loans was approximately $48,249.

 

A-2


 
State Distribution of Mortgaged Properties(1)
 
State
 
Number of
Mortgage
Loans
 
Aggregate
Principal Balance
Outstanding
 
% of Mortgage Loans
 
Average
Principal Balance
Outstanding ($)
 
Weighted Average Current Mortgage Rate (%)
 
Weighted Average Remaining Term to Maturity (Months)
 
Weighted Average FICO Credit Score
 
Weighted Average Original Combined Loan-to-Value Ratio (%)
 
Alabama
   
925
 
$
34,257,157
   
2.14
%
 
37,035
   
8.129
   
194.97
   
730
   
92.2
 
Alaska
   
103
   
6,037,167
   
0.38
   
58,613
   
8.310
   
213.39
   
726
   
87.8
 
Arizona
   
1,184
   
60,118,338
   
3.76
   
50,776
   
8.342
   
202.29
   
727
   
86.0
 
Arkansas
   
11
   
361,129
   
0.02
   
32,830
   
8.699
   
218.82
   
726
   
87.7
 
California
   
4,842
   
359,938,000
   
22.50
   
74,337
   
7.892
   
231.58
   
730
   
79.5
 
Colorado
   
1,286
   
59,580,268
   
3.72
   
46,330
   
8.391
   
202.30
   
735
   
91.4
 
Connecticut
   
444
   
22,259,017
   
1.39
   
50,133
   
8.268
   
227.37
   
723
   
87.6
 
Delaware
   
131
   
6,649,292
   
0.42
   
50,758
   
8.517
   
194.26
   
725
   
88.5
 
District of Columbia
   
39
   
2,390,836
   
0.15
   
61,303
   
8.350
   
219.42
   
724
   
84.4
 
Florida
   
1,376
   
65,924,354
   
4.12
   
47,910
   
8.325
   
206.28
   
723
   
84.9
 
Georgia
   
1,054
   
43,756,251
   
2.73
   
41,514
   
8.478
   
199.78
   
725
   
92.5
 
Hawaii
   
178
   
14,602,821
   
0.91
   
82,038
   
8.050
   
187.34
   
734
   
77.8
 
Idaho
   
453
   
19,545,772
   
1.22
   
43,147
   
8.171
   
192.16
   
730
   
86.2
 
Illinois
   
863
   
36,379,549
   
2.27
   
42,155
   
8.528
   
197.60
   
723
   
90.4
 
Indiana
   
664
   
21,576,893
   
1.35
   
32,495
   
8.439
   
189.82
   
722
   
92.3
 
Iowa
   
237
   
7,115,336
   
0.44
   
30,023
   
8.343
   
190.07
   
735
   
95.0
 
Kansas
   
285
   
9,693,007
   
0.61
   
34,011
   
8.373
   
209.54
   
732
   
93.1
 
Kentucky
   
497
   
16,497,503
   
1.03
   
33,194
   
8.178
   
190.02
   
729
   
92.3
 
Louisiana
   
153
   
5,514,230
   
0.34
   
36,041
   
8.336
   
196.68
   
717
   
88.0
 
Maine
   
129
   
5,291,248
   
0.33
   
41,017
   
8.337
   
203.63
   
729
   
87.2
 
Maryland
   
751
   
44,122,904
   
2.76
   
58,752
   
8.486
   
209.95
   
722
   
87.6
 
Massachusetts
   
719
   
39,323,321
   
2.46
   
54,692
   
8.196
   
224.41
   
725
   
87.6
 
Michigan
   
823
   
27,228,155
   
1.70
   
33,084
   
8.341
   
198.73
   
731
   
92.4
 
Minnesota
   
871
   
38,975,111
   
2.44
   
44,748
   
8.263
   
194.91
   
732
   
91.8
 
Mississippi
   
136
   
4,704,012
   
0.29
   
34,588
   
8.196
   
183.15
   
728
   
90.2
 
Missouri
   
819
   
28,759,804
   
1.80
   
35,116
   
8.189
   
196.19
   
726
   
91.1
 
Montana
   
88
   
3,757,291
   
0.23
   
42,696
   
8.528
   
210.51
   
736
   
87.8
 
Nebraska
   
104
   
3,681,543
   
0.23
   
35,399
   
8.015
   
220.57
   
735
   
92.6
 
Nevada
   
305
   
17,738,094
   
1.11
   
58,158
   
8.325
   
205.70
   
729
   
87.9
 
New Hampshire
   
177
   
8,187,587
   
0.51
   
46,258
   
8.049
   
207.73
   
726
   
86.4
 
New Jersey
   
945
   
49,774,727
   
3.11
   
52,672
   
8.501
   
195.39
   
719
   
84.9
 
New Mexico
   
294
   
12,600,272
   
0.79
   
42,858
   
8.460
   
204.47
   
724
   
87.9
 
New York
   
907
   
53,063,100
   
3.32
   
58,504
   
8.446
   
210.92
   
720
   
83.4
 
North Carolina
   
881
   
32,641,414
   
2.04
   
37,050
   
8.617
   
209.86
   
724
   
92.0
 
North Dakota
   
40
   
1,455,715
   
0.09
   
36,393
   
8.183
   
179.78
   
719
   
92.4
 
Ohio
   
1,240
   
40,339,642
   
2.52
   
32,532
   
8.190
   
192.65
   
730
   
93.1
 
Oklahoma
   
318
   
11,100,075
   
0.69
   
34,906
   
8.526
   
217.23
   
728
   
93.0
 
Oregon
   
849
   
43,622,218
   
2.73
   
51,381
   
8.154
   
209.47
   
731
   
87.1
 
Pennsylvania
   
1,051
   
44,755,541
   
2.80
   
42,584
   
8.508
   
205.89
   
723
   
89.1
 
Rhode Island
   
130
   
6,451,041
   
0.40
   
49,623
   
8.569
   
231.64
   
716
   
87.7
 
South Carolina
   
234
   
8,658,141
   
0.54
   
37,001
   
8.602
   
236.74
   
725
   
90.5
 
South Dakota
   
41
   
1,604,867
   
0.10
   
39,143
   
7.853
   
177.17
   
731
   
87.7
 
Tennessee
   
760
   
26,725,924
   
1.67
   
35,166
   
8.225
   
192.44
   
728
   
92.5
 
Texas
   
1,764
   
58,766,820
   
3.67
   
33,315
   
8.513
   
203.46
   
737
   
95.3
 
Utah
   
863
   
37,730,838
   
2.36
   
43,721
   
8.423
   
191.01
   
733
   
90.5
 
Vermont
   
41
   
1,350,528
   
0.08
   
32,940
   
9.337
   
204.92
   
712
   
84.2
 
Virginia
   
1,127
   
63,735,099
   
3.98
   
56,553
   
8.377
   
208.44
   
726
   
88.3
 
Washington
   
1,170
   
57,453,953
   
3.59
   
49,106
   
8.806
   
200.52
   
725
   
89.0
 
West Virginia
   
81
   
3,250,257
   
0.20
   
40,127
   
8.833
   
202.13
   
722
   
89.6
 
Wisconsin
   
673
   
26,727,034
   
1.67
   
39,713
   
8.110
   
189.80
   
729
   
90.7
 
Wyoming
   
105
   
4,226,740
   
0.26
   
40,255
   
8.321
   
192.27
   
730
   
85.9
 
Total
   
33,161
 
$
1,599,999,938
   
100.00
%
                             
_________
(1) As of the Cut-off Date, no more than approximately 0.16% of the Mortgage Loans was secured by mortgaged properties located in any one postal zip code area.

A-3


 
Original Combined Loan-to-Value Ratios(1)
 
Range of Original
Combined Loan-to-Value Ratios (%)
 
Number of
Mortgage
Loans
 
Aggregate
Principal Balance
Outstanding
 
% of Mortgage Loans
 
Average
Principal Balance
Outstanding ($)
 
Weighted Average Current Mortgage
Rate (%)
 
Weighted Average Remaining Term to Maturity (Months)
 
Weighted Average FICO Credit Score
 
Weighted Average Original Combined Loan-to-Value Ratio (%)
 
50.00 or Less
   
1,270
 
$
66,153,507
   
4.13
%
 
52,089
   
7.136
   
219.34
   
744
   
40.1
 
50.01 - 55.00
   
511
   
28,095,494
   
1.76
   
54,981
   
7.281
   
213.76
   
736
   
52.7
 
55.01 - 60.00
   
563
   
31,200,817
   
1.95
   
55,419
   
7.256
   
219.05
   
730
   
57.5
 
60.01 - 65.00
   
672
   
39,053,989
   
2.44
   
58,116
   
7.414
   
213.27
   
731
   
62.6
 
65.01 - 70.00
   
933
   
52,861,412
   
3.30
   
56,657
   
7.528
   
206.58
   
723
   
67.7
 
70.01 - 75.00
   
1,012
   
56,285,904
   
3.52
   
55,618
   
7.641
   
209.66
   
725
   
72.7
 
75.01 - 80.00
   
1,600
   
91,268,659
   
5.70
   
57,043
   
7.813
   
212.16
   
722
   
78.1
 
80.01 - 85.00
   
2,115
   
93,553,589
   
5.85
   
44,233
   
7.979
   
210.30
   
721
   
82.9
 
85.01 - 90.00
   
7,763
   
321,138,156
   
20.07
   
41,368
   
8.363
   
210.11
   
725
   
89.0
 
90.01 - 95.00
   
7,307
   
343,087,055
   
21.44
   
46,953
   
8.407
   
208.41
   
723
   
94.1
 
95.01 - 100.00
   
9,415
   
477,301,356
   
29.83
   
50,696
   
8.758
   
206.01
   
733
   
99.5
 
Total
   
33,161
 
$
1,599,999,938
   
100.00
%
                             
_________
(1) As of the Cut-off Date, the weighted average original Combined Loan-to-Value Ratio of the Mortgage Loans was approximately 87.03%.

Current Mortgage Rates(1)
 
Range of Current Mortgage Rates (%)
 
Number of
Mortgage
Loans
 
Aggregate
Principal Balance
Outstanding
 
% of Mortgage Loans
 
Average
Principal Balance
Outstanding ($)
 
Weighted Average Current Mortgage Rate (%)
 
Weighted Average Remaining Term to Maturity (Months)
 
Weighted Average FICO Credit Score
 
Weighted Average Original Combined Loan-to-Value Ratio (%)
 
5.001 - 5.500
   
8
 
$
708,355
   
0.04
%
 
88,544
   
5.196
   
198.59
   
791
   
56.2
 
5.501 - 6.000
   
730
   
60,882,007
   
3.81
   
83,400
   
5.989
   
289.23
   
737
   
66.7
 
6.001 - 6.500
   
876
   
53,620,065
   
3.35
   
61,210
   
6.395
   
217.00
   
742
   
72.2
 
6.501 - 7.000
   
2,218
   
129,129,381
   
8.07
   
58,219
   
6.864
   
205.97
   
735
   
77.4
 
7.001 - 7.500
   
4,431
   
217,556,876
   
13.60
   
49,099
   
7.379
   
196.46
   
736
   
81.6
 
7.501 - 8.000
   
6,717
   
316,130,549
   
19.76
   
47,064
   
7.818
   
202.49
   
730
   
88.4
 
8.001 - 8.500
   
5,644
   
251,092,905
   
15.69
   
44,488
   
8.335
   
203.60
   
730
   
91.0
 
8.501 - 9.000
   
4,945
   
217,905,947
   
13.62
   
44,066
   
8.806
   
209.18
   
723
   
91.5
 
9.001 - 9.500
   
2,894
   
130,549,416
   
8.16
   
45,110
   
9.327
   
214.66
   
722
   
92.4
 
9.501 - 10.000
   
2,283
   
103,824,949
   
6.49
   
45,477
   
9.802
   
207.31
   
717
   
93.2
 
10.001 - 10.500
   
956
   
45,160,813
   
2.82
   
47,239
   
10.310
   
210.02
   
716
   
93.0
 
10.501 - 11.000
   
672
   
34,314,810
   
2.14
   
51,064
   
10.802
   
222.00
   
710
   
93.7
 
11.001 - 11.500
   
252
   
11,990,634
   
0.75
   
47,582
   
11.309
   
211.91
   
704
   
93.8
 
11.501 - 12.000
   
295
   
14,879,403
   
0.93
   
50,439
   
11.857
   
219.67
   
705
   
93.3
 
12.001 - 12.500
   
71
   
4,399,260
   
0.27
   
61,961
   
12.282
   
228.81
   
680
   
90.9
 
12.501 - 13.000
   
51
   
2,583,255
   
0.16
   
50,652
   
12.802
   
233.96
   
675
   
93.0
 
13.001 - 13.500
   
50
   
2,436,699
   
0.15
   
48,734
   
13.346
   
224.86
   
693
   
94.1
 
13.501 - 14.000
   
28
   
1,185,579
   
0.07
   
42,342
   
13.782
   
241.50
   
695
   
95.6
 
Greater than 14.000
   
40
   
1,649,035
   
0.10
   
41,226
   
14.788
   
239.92
   
682
   
96.1
 
Total
   
33,161
 
$
1,599,999,938
   
100.00
%
                             
__________
(1) The current mortgage rates listed in the preceding table include premiums related to the Mortgage Insurance Policy. As of the Cut-off Date, the weighted average current mortgage rate of the Mortgage Loans was approximately 8.269% per annum. As of the Cut-off Date, the weighted average current mortgage rate of the Mortgage Loans net of the premium charged in connection with the Mortgage Insurance Policy, the Master Servicing Fees and the Trustee Fee was approximately 7.760% per annum.

A-4


 
Types of Mortgaged Properties
 
Property Type
 
Number of
Mortgage
Loans
 
Aggregate
Principal Balance
Outstanding
 
% of Mortgage Loans
 
Average
Principal Balance
Outstanding ($)
 
Weighted Average Current Mortgage Rate (%)
 
Weighted Average Remaining Term to Maturity (Months)
 
Weighted Average FICO Credit Score
 
Weighted Average Original Combined Loan-to-Value Ratio (%)
 
Single Family Residence
   
23,508
 
$
1,121,120,566
   
70.07
%
 
47,691
   
8.175
   
208.57
   
726
   
85.6
 
Planned Unit Development
   
6,533
   
340,523,567
   
21.28
   
52,124
   
8.399
   
209.99
   
730
   
90.3
 
Low-rise Condominium
   
2,393
   
101,388,004
   
6.34
   
42,369
   
8.559
   
214.17
   
736
   
91.5
 
2 Family Home
   
402
   
19,865,546
   
1.24
   
49,417
   
8.993
   
205.16
   
731
   
88.1
 
High-rise Condominium
   
198
   
10,257,974
   
0.64
   
51,808
   
8.759
   
216.38
   
738
   
92.1
 
3 Family Home
   
52
   
3,264,013
   
0.20
   
62,769
   
9.591
   
206.93
   
721
   
80.4
 
4 Family Home
   
63
   
3,077,375
   
0.19
   
48,847
   
10.484
   
205.35
   
734
   
88.1
 
Hotel Condominium
   
12
   
502,892
   
0.03
   
41,908
   
9.169
   
177.87
   
720
   
96.2
 
Total
   
33,161
 
$
1,599,999,938
   
100.00
%
                             


 
Purpose of Mortgage Loans
 
Loan Purpose
 
Number of
Mortgage
Loans
 
Aggregate
Principal Balance
Outstanding
 
% of Mortgage Loans
 
Average
Principal Balance
Outstanding ($)
 
Weighted Average Current Mortgage Rate (%)
 
Weighted Average Remaining Term to Maturity (Months)
 
Weighted Average FICO Credit Score
 
Weighted Average Original Combined Loan-to-Value Ratio (%)
 
Refinance (cash-out)
   
15,775
 
$
814,191,970
   
50.89
%
 
51,613
   
7.973
   
209.01
   
720
   
81.3
 
Purchase
   
13,823
   
600,508,229
   
37.53
   
43,443
   
8.726
   
209.82
   
739
   
95.7
 
Refinance (rate/term)
   
3,563
   
185,299,739
   
11.58
   
52,007
   
8.087
   
208.15
   
724
   
84.0
 
Total
   
33,161
 
$
1,599,999,938
   
100.00
%
                             
 

 
 
Occupancy Types(1)
 
Occupancy Type
 
Number of
Mortgage
Loans
 
Aggregate
Principal Balance
Outstanding
 
% of Mortgage Loans
 
Average
Principal Balance
Outstanding ($)
 
Weighted Average Current Mortgage Rate (%)
 
Weighted Average Remaining Term to Maturity (Months)
 
Weighted Average FICO Credit Score
 
Weighted Average Original Combined Loan-to-Value Ratio (%)
 
Primary Residence
   
31,063
 
$
1,526,191,990
   
95.39
%
 
49,132
   
8.217
   
209.55
   
727
   
87.0
 
Investment Property
   
1,153
   
37,015,930
   
2.31
   
32,104
   
9.752
   
201.54
   
732
   
86.0
 
Secondary Residence
   
945
   
36,792,018
   
2.30
   
38,933
   
8.925
   
203.14
   
746
   
89.3
 
Total
   
33,161
 
$
1,599,999,938
   
100.00
%
                             
___________
(1) Based upon representations of the related borrowers at the time of origination.

A-5


 
Remaining Terms to Maturity(1)
 
Range of
Remaining Terms to Maturity (Months)
 
Number of
Mortgage
Loans
 
Aggregate
Principal Balance
Outstanding
 
% of Mortgage Loans
 
Average
Principal Balance
Outstanding ($)
 
Weighted Average Current Mortgage Rate (%)
 
 
Weighted Average Remaining Term to Maturity (Months)
 
Weighted Average FICO Credit Score
 
Weighted Average Original Combined Loan-to-Value Ratio (%)
 
1 - 120
   
1,085
 
$
39,653,438
   
2.48
%
 
36,547
   
8.086
   
118.79
   
730
   
79.1
 
121 - 180
   
26,267
   
1,213,169,656
   
75.82
   
46,186
   
8.287
   
178.99
   
728
   
87.7
 
181 - 300
   
2,953
   
178,203,201
   
11.14
   
60,346
   
8.416
   
294.29
   
726
   
86.7
 
301 - 360
   
2,856
   
168,973,643
   
10.56
   
59,164
   
8.028
   
357.70
   
725
   
84.5
 
Total
   
33,161
 
$
1,599,999,938
   
100.00
%
                             
____________
(1) As of the Cut-off Date, the weighted average remaining term to maturity of the Mortgage Loans was approximately 209 months.
 
Documentation Programs
 
Documentation Program
 
Number of
Mortgage
Loans
 
Aggregate
Principal Balance
Outstanding
 
% of Mortgage Loans
 
Average
Principal Balance
Outstanding ($)
 
Weighted Average Current Mortgage Rate (%)
 
Weighted Average Remaining Term to Maturity (Months)
 
Weighted Average FICO Credit Score
 
Weighted Average Original Combined Loan-to-Value Ratio (%)
 
Streamlined
   
10,441
 
$
514,692,882
   
32.17
%
 
49,295
   
7.746
   
193.47
   
724
   
81.2
 
Full
   
8,449
   
415,733,051
   
25.98
   
49,205
   
8.400
   
234.02
   
722
   
89.5
 
Reduced
   
4,645
   
270,130,355
   
16.88
   
58,155
   
9.067
   
210.65
   
737
   
89.7
 
Alternative
   
5,804
   
244,408,017
   
15.28
   
42,110
   
8.235
   
206.69
   
726
   
91.4
 
Super Streamlined
   
3,727
   
149,535,343
   
9.35
   
40,122
   
8.218
   
194.56
   
744
   
88.2
 
Stated Income/Stated Asset
   
95
   
5,500,290
   
0.34
   
57,898
   
11.009
   
247.55
   
719
   
92.8
 
Total
   
33,161
 
$
1,599,999,938
   
100.00
%
                             


A-6


 
FICO Credit Scores(1)
 
Range of
FICO Credit Scores
 
Number of
Mortgage
Loans
 
Aggregate
Principal Balance
Outstanding
 
% of Mortgage Loans
 
Average
Principal Balance
Outstanding ($)
 
Weighted Average Current Mortgage Rate (%)
 
Weighted Average Remaining Term to Maturity (Months)
 
Weighted Average FICO Credit Score
 
Weighted Average Original Combined Loan-to-Value Ratio (%)
 
Greater than 820
   
12
 
$
545,376
   
0.03
%
 
45,448
   
8.111
   
199.01
   
826
   
67.6
 
801 - 820
   
965
   
41,786,055
   
2.61
   
43,302
   
8.072
   
204.13
   
807
   
82.0
 
781 - 800
   
3,023
   
140,198,223
   
8.76
   
46,377
   
8.018
   
206.80
   
789
   
84.3
 
761 - 780
   
4,583
   
221,120,565
   
13.82
   
48,248
   
8.076
   
208.55
   
770
   
86.5
 
741 - 760
   
5,291
   
254,473,002
   
15.90
   
48,095
   
8.146
   
209.07
   
751
   
88.2
 
721 - 740
   
4,922
   
244,337,134
   
15.27
   
49,642
   
8.147
   
208.36
   
731
   
87.8
 
701 - 720
   
4,982
   
250,291,683
   
15.64
   
50,239
   
8.191
   
209.90
   
710
   
87.9
 
681 - 700
   
4,313
   
212,101,106
   
13.26
   
49,177
   
8.398
   
212.46
   
691
   
88.2
 
661 - 680
   
3,080
   
146,512,664
   
9.16
   
47,569
   
8.604
   
208.54
   
671
   
87.1
 
641 - 660
   
1,303
   
57,124,077
   
3.57
   
43,840
   
9.127
   
209.86
   
652
   
84.2
 
621 - 640
   
630
   
28,772,555
   
1.80
   
45,671
   
9.596
   
214.77
   
632
   
84.0
 
601 - 620
   
55
   
2,651,127
   
0.17
   
48,202
   
9.318
   
205.69
   
618
   
84.3
 
581 - 600
   
2
   
86,371
   
0.01
   
43,186
   
11.117
   
219.60
   
589
   
93.0
 
Total
   
33,161
 
$
1,599,999,938
   
100.00
%
                             
____________
(1) As of the Cut-off Date, the weighted average FICO Credit Score of the mortgagors related to the Mortgage Loans was approximately 728.
 
Prepayment Charge Periods
 
Prepayment Charge Periods (Months)
 
Number of
Mortgage
Loans
 
Aggregate
Principal
Balance
Outstanding
 
% of Mortgage Loans
 
Average
Principal Balance
Outstanding ($)
 
Weighted Average Current Mortgage Rate (%)
 
Weighted Average Remaining Term to Maturity (Months)
 
Weighted Average FICO Credit Score
 
Weighted Average Original Combined Loan-to-Value Ratio (%)
 
0
   
23,206
 
$
1,066,164,242
   
66.64
%
 
45,943
   
8.589
   
207.62
   
729
   
89.5
 
4
   
1
   
34,000
   
(1
)
 
34,000
   
11.375
   
180.00
   
713
   
79.7
 
6
   
19
   
1,221,929
   
0.08
   
64,312
   
10.039
   
229.48
   
721
   
94.5
 
12
   
403
   
26,974,031
   
1.69
   
66,933
   
8.544
   
211.07
   
719
   
88.2
 
20
   
1
   
34,564
   
(1
)
 
34,564
   
10.990
   
238.00
   
687
   
100.0
 
24
   
23
   
1,062,972
   
0.07
   
46,216
   
10.837
   
188.60
   
711
   
95.8
 
26
   
1
   
45,873
   
(1
)
 
45,873
   
8.499
   
179.00
   
756
   
46.2
 
30
   
1
   
171,796
   
0.01
   
171,796
   
8.625
   
358.00
   
695
   
89.8
 
35
   
1
   
21,785
   
(1
)
 
21,785
   
9.750
   
180.00
   
752
   
95.0
 
36
   
3,681
   
180,698,044
   
11.29
   
49,089
   
7.587
   
242.11
   
724
   
82.1
 
48
   
3
   
214,817
   
0.01
   
71,606
   
10.122
   
244.35
   
657
   
75.9
 
60
   
5,821
   
323,355,884
   
20.21
   
55,550
   
7.555
   
195.82
   
728
   
81.5
 
Total
   
33,161
 
$
1,599,999,938
   
100.00
%
                             
____________
(1) Less than 0.01%.
 
Interest Only Periods at Origination
 
Interest Only Periods (Months)
 
Number of
Mortgage
Loans
 
Aggregate
Principal Balance
Outstanding
 
% of Mortgage Loans
 
Average
Principal Balance
Outstanding ($)
 
Weighted Average Current Mortgage Rate (%)
 
Weighted Average Remaining Term to Maturity (Months)
 
Weighted Average FICO Credit Score
 
Weighted Average Original Combined Loan-to-Value Ratio (%)
 
0
   
29,453
 
$
1,372,789,930
   
85.80
%
 
46,610
   
8.255
   
200.25
   
727
   
86.9
 
120
   
2,880
   
176,129,652
   
11.01
   
61,156
   
8.360
   
287.80
   
729
   
87.4
 
180
   
828
   
51,080,355
   
3.19
   
61,691
   
8.319
   
179.13
   
735
   
89.3
 
Total
   
33,161
 
$
1,599,999,938
   
100.00
%
                             
 

 
A-7