Current Report

-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, UStpHBOtj/PSDAHF6OKtly8RoYK3TVNInvZPqangeC0VJLQ4tcPGnh/kdiIQ6W6h Y59FznjhtZ/paDMRyq4cig== 0001162318-05-000878.txt : 20051017 0001162318-05-000878.hdr.sgml : 20051017 20051017105455 ACCESSION NUMBER: 0001162318-05-000878 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 6 CONFORMED PERIOD OF REPORT: 20051017 ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20051017 DATE AS OF CHANGE: 20051017 FILER: COMPANY DATA: COMPANY CONFORMED NAME: J P MORGAN ACCEPTANCE CORP I CENTRAL INDEX KEY: 0001085309 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 133475488 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 333-77275 FILM NUMBER: 051140262 BUSINESS ADDRESS: STREET 1: 60 WALL STREET CITY: NEW YORK STATE: NY ZIP: 10260 BUSINESS PHONE: 2126487741 MAIL ADDRESS: STREET 1: 60 WALL STREET CITY: NEW YORK STATE: NY ZIP: 10260 8-K 1 m471form8k.htm FORM 8-K Current Report

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event

Reported): October 17, 2005

J.P. MORGAN ACCEPTANCE CORPORATION I

J.P. MORGAN MORTGAGE ACQUISITION CORP. 2005-WMC1

J.P. MORGAN ACCEPTANCE CORPORATION I
(Exact name of registrant as specified in its charter)
Delaware	333-121990	13-3475488
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

270 Park Avenue New York, New York 10017
(Address of Principal Executive Offices) (Zip Code)

Registrant’s telephone number, including area code (212) 834-3850

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

[ ]	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[ ]	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
[ ]	Pre-commencement communications pursuant to Rule 14d-2(d) under the Exchange Act (17 CFR 240.14d-2(b))
[ ]	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 8.01.

Other Events.

Filing of Computational Materials

Pursuant to Rule 424(b) under the Securities Act of 1933, concurrently with, or subsequent to, the filing of this Current Report on Form 8-K (the “Form 8-K”), J.P. Morgan Acceptance Corporation I (the “Company”) will be filing a prospectus and prospectus supplement with the Securities and Exchange Commission relating to its J.P. Morgan Acceptance Corporation I, J.P. Morgan Mortgage Acquisition Corp. 2005-WMC1.

Attached hereto as Exhibit 99.1 are the “Computational Materials” (as defined in the no-action letter dated May 20, 1994 issued by the Division of Corporation Finance of the Securities and Exchange Commission (the “Commission”) to Kidder, Peabody Acceptance Corporation I, Kidder, Peabody & Co. Incorporated, and Kidder Structured Asset Corporation and the no-action letter made available May 27, 1994 issued by the Division of Corporation Finance of the Commission to the Public Securities Association), and the “Collateral Term Sheets” and/or “ABS Term Sheets” (each, as defined in the no-action letter made available February 17, 1995 issued by the Division of Corporation Finance of the Commission to the Public Securities Association).

In connection with the offering of the J.P. Morgan Acceptance Corporation I , J.P. Morgan Mortgage Acquisition Corp. 2005-WMC1, J.P. Morgan Securities Inc. (“J.P. Morgan Securities”), prepared certain materials (the “Computational Materials”) some or all of which were distributed by J.P. Morgan Securities (the “Underwriters”), and to their potential investors. Although the Company provided the Underwriters with certain information regarding the characteristics of the Mortgage Loans in the related portfolio, the Company did not participate in the preparation of the Computational Materials.

Item 9.01. Financial Statements and Events

Information and Exhibits.

(a)

Not applicable.

(b)

Not applicable.

(c)

Not applicable.

(d)

Exhibits:

99.1

Computational Materials

SIGNATURES

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

J.P. MORGAN ACCEPTANCE CORPORATION I

By: /s/Paul H. White

Name: Paul H. White

Title: Vice President

Dated: October 17, 2005

Exhibit Index

Exhibit

99.1

Computational Materials

EX-99 2 jpmac2005wmc1winchesterreque.htm EXHIBIT 99.1 COMPUTATIONAL MATERIALS jpmac2005wmc1winchesterreque

Winchester Capital - HEL / Resi B&C - Stratification Tables

[jpmac2005wmc1winchesterre002.jpg]

FICO, 2 LTV, 3 DTI, 4 Occupancy Type, 5 WAC, 6 IO Type, 7 Loan Documentation Type, 8 Others, 9 Credit Grades and 10 Top 10 Cities

1. FICO

				Percentage of Aggregate Collateral
				FICO				LTV
FICO		WALTV	Loan Count	$ Avge Loan Amount	% of Pool	Agg $ Balance	WAC	520 and below	521-540	541-560	561-580	581 and above
581 & Above		82.90	6,905	187,136.49	89.24	1,292,177,470.86	7.047
561 - 580		80.20	251	211,651.02	3.67	53,124,405.62	7.568
541 - 560		79.20	210	211,389.88	3.07	44,391,873.89	7.723
521 - 540		75.77	136	213,907.38	2.01	29,091,403.26	8.078
520 & Below		76.38	140	208,049.95	2.01	29,126,993.08	8.254
Total:		82.42	7,642	189,467.70	100.00	1,447,912,146.71	7.132

2. LTV								Percentage of Aggregate Collateral
								FICO
LTV	WAFICO		Loan Count	$ Avge Loan Amount	% of Pool	Agg $ Balance	WAC	520 and below	521-540	541-560	561-580	581 and above
80.00 & Below	645		3,906	249,360.75	67.27	974,003,077.21	6.676	2.13	2.10	2.32	2.88	90.56
80.01 - 85.00	616		374	253,966.42	6.56	94,983,439.32	6.939	6.96	5.65	7.36	7.64	72.38
85.01 - 90.00	636		606	250,842.13	10.50	152,010,328.72	7.055	1.01	1.57	6.18	6.35	84.89
90.01 - 95.00	642		467	177,065.04	5.71	82,689,374.10	7.688	0.23	1.01	6.36	9.31	83.09
95.01 - 100.00	655		2289	63,008.27	9.96	144,225,927.36	10.098	0.00	0.00	0.07	0.36	99.57
Total:	643		7,642	189,467.70	100.00	1,447,912,146.71	7.132	2.01	2.01	3.07	3.67	89.24

3. DTI								Percentage of Aggregate Collateral
								FICO
DTI	WAFICO	WALTV	Loan Count	$ Avge Loan Amount	% of Pool	Agg $ Balance	WAC	520 and below	521-540	541-560	561-580	581 and above
<= 39.99	645	81.79	2,817	180,424.95	35.10	508,257,073.64	7.067	2.01	1.78	3.35	3.51	89.35
40.00 - 44.99	646	82.67	1892	198,588.99	25.95	375,730,367.68	7.182	1.45	2.02	3.15	3.44	89.94
45.00 - 49.99	642	82.77	2041	194,570.19	27.43	397,117,763.17	7.172	2.36	1.94	2.42	3.92	89.36
50.00 - 54.99	635	82.82	771	186,571.30	9.93	143,846,475.00	7.143	2.44	2.72	3.08	4.23	87.53
55.00 >=	628	83.48	121	189,755.93	1.59	22,960,467.22	6.992	2.54	3.68	6.50	3.12	84.17
Total:	643	82.42	7,642	189,467.70	100.00	1,447,912,146.71	7.132	2.01	2.01	3.07	3.67	89.24


4. Occupancy Type								Percentage of Aggregate Collateral
								FICO
Occupancy Type	WAFICO	WALTV	Loan Count	$ Avge Loan Amount	% of Pool	Agg $ Balance	WAC	520 and below	521-540	541-560	561-580	581 and above
Primary Residence	641	82.40	7,249	189,756.50	95.00	1,375,544,849.24	7.128	2.12	2.06	3.18	3.74	88.91
Investment Property	671	81.83	179	214,097.30	2.65	38,323,416.52	7.206	0.00	0.78	1.84	2.93	94.45
Second Home	698	83.63	214	159,083.56	2.35	34,043,880.95	7.185	0.00	1.41	0.00	1.78	96.82

5. WAC								Percentage of Aggregate Collateral
								FICO
WAC	WAFICO	WALTV	Loan Count	$ Avge Loan Amount	% of Pool	Agg $ Balance	WAC	520 and below	521-540	541-560	561-580	581 and above
<= 6.999	654	79.96	3,317	272,488.75	62.42	903,845,175.79		0.21	0.38	1.40	1.82	96.19
7.000 - 7.999	627	81.13	1332	224,610.55	20.66	299,181,246.44		3.81	4.31	5.75	7.46	78.66
8.000 - 8.999	598	85.79	637	143,647.77	6.32	91,503,627.14		12.31	9.98	12.08	12.09	53.55
9.000 - 9.999	648	96.01	1067	68,971.22	5.08	73,592,287.29		4.83	4.41	3.32	3.47	83.97
10.000 - 10.999	634	98.61	954	66,819.50	4.40	63,745,807.11		1.42	0.67	1.68	0.57	95.66
11.000 >=	631	98.99	335	47,892.55	1.11	16,044,002.94		0.31	0.00	0.00	2.23	97.46

6. IO Term								Percentage of Aggregate Collateral
								FICO
IO Term	WAFICO	WALTV	Loan Count	$ Avge Loan Amount	% of Pool	Agg $ Balance	WAC	540 and below	540-580	580-620	620-660	660+
0	635	82.74	6,536	170,034.84	76.76	1,111,347,732.61	7.370	2.59	2.62	3.90	4.63	86.27
2 Yr IO	0	0.00	0	0.00	0.00	0.00	0.000	0.00	0.00	0.00	0.00	0.00
3 Yr IO	0	0.00	0	0.00	0.00	0.00	0.000	0.00	0.00	0.00	0.00	0.00
5 Yr IO	671	81.38	1023	305,647.52	21.60	312,677,409.63	6.331	0.00	0.00	0.34	0.53	99.13
10 Yr IO	663	80.97	83	287,795.23	1.65	23,887,004.47	6.502	1.66	0.00	0.00	0.00	98.34

7. DocType								Percentage of Aggregate Collateral
								FICO
DocType	WAFICO	WALTV	Loan Count	$ Avge Loan Amount	% of Pool	Agg $ Balance	WAC	520 and below	521-540	541-560	561-580	581 and above
Stated doc	658	81.74	3394	196,050.90	45.96	665,396,762.63	7.320	0.71	1.06	1.67	1.84	94.71
Full doc	628	82.90	3244	169,445.85	37.96	549,682,352.87	7.010	3.63	2.86	4.59	5.97	82.94
Limited Doc	638	83.19	1004	231,905.41	16.08	232,833,031.21	6.880	1.89	2.71	3.45	3.47	88.49

8. OTHERS								Percentage of Aggregate Collateral
								FICO
OTHERS	WAFICO	WALTV	Loan Count	$ Avge Loan Amount	% of Pool	Agg $ Balance	WAC	520 and below	521-540	541-560	561-580	581 and above
Manufactured Housing	0	0.00	0	0.00	0.00	0.00	0.000	0.00	0.00	0.00	0.00	0.00
2nd Lien	655	99.45	2481	61,843.03	10.60	153,432,565.55	10.173	0.00	0.00	0.07	0.46	99.47
< 100K	645	93.48	2796	56,970.82	11.00	159,290,402.78	9.407	0.94	1.00	1.09	2.32	94.64
> 650K	667	80.73	81	762,123.63	4.26	61,732,013.93	6.527	0.00	0.00	1.13	3.49	95.37
Ohio	622	85.87	61	83,674.93	0.35	5,104,170.95	7.651	1.81	2.30	7.56	1.46	86.87
Nevada	642	82.43	165	158,946.90	1.81	26,226,237.97	7.276	2.87	3.82	2.34	3.65	87.32
California	648	81.89	2931	253,194.09	51.25	742,111,865.14	6.974	1.70	1.79	2.49	2.92	91.09
Top 10 Loans	679	76.14	10	1,003,478.51	100.00	10,034,785.07	6.133	0.00	0.00	0.00	0.00	100.00

9. CREDIT GRADES								Percentage of Aggregate Collateral
								FICO
CREDIT GRADES please use Relevant Credit Grades of Originator	WAFICO	WALTV	Loan Count	$ Avge Loan Amount	% of Pool	Agg $ Balance	WAC	520 and below	521-540	541-560	561-580	581 and above
A	631	85.17	3447	144,058.49	34.30	496,569,603.25	7.532	0.00	0.00	0.14	0.44	99.41
AA	685	81.54	2686	243,375.70	45.15	653,707,134.41	6.674	0.24	0.02	0.13	0.03	99.58
A-	597	81.89	779	175,946.72	9.47	137,062,498.34	7.124	0.00	0.00	1.01	4.59	94.40
B	538	75.86	345	213,714.49	5.09	73,731,497.73	7.903	30.43	37.31	18.19	4.86	9.20
B+	570	80.56	339	227,997.61	5.34	77,291,188.18	7.543	0.42	0.26	35.14	51.70	12.49
C	538	72.61	46	207,613.58	0.66	9,550,224.80	8.473	49.92	13.01	9.10	9.63	18.33

10. Top 10 Cities

Top 10 Cities			Loan Count	$ Avge Loan Amount	% of Pool	Agg $ Balance	WAC	Wtd Avg LTV	Wtd AVg FICO
LOS ANGELES			147	259,748.27	2.64	38,182,995.14	7.132	80.75	654
LAS VEGAS			118	159,967.32	1.30	18,876,143.55	7.243	82.27	646
BAKERSFIELD			118	158,357.28	1.29	18,686,158.46	7.170	82.37	636
SAN DIEGO			51	273,572.14	0.96	13,952,179.22	7.110	82.67	660
CHICAGO			85	161,071.43	0.95	13,691,071.84	7.220	82.73	658
LONG BEACH			48	264,803.71	0.88	12,710,578.26	7.100	81.43	644
MIAMI			78	159,911.59	0.86	12,473,104.19	7.549	83.26	638
LANCASTER			74	162,325.49	0.83	12,012,086.15	6.936	83.93	651
PALMDALE			59	194,697.50	0.79	11,487,152.27	6.913	81.46	643
FONTANA			52	207,171.08	0.74	10,772,896.19	7.047	81.28	638

1. FICO
	Percentage of Aggregate Collateral
	LTV					Loan Amount							Documentation
FICO	85% LTV & below	LTV 85.01-90	LTV 90.01-95	LTV 95.01-100	LTV 100.01+	$50K and below	$50.01-75K	$75.01-100K	$100.01 - $600K	$600.01-750K	$750-900K	>$900K	Full Doc	Stated Doc	Limited Doc
581 & Above	73.58	9.99	5.32	11.11	0.00	2.88	4.27	4.52	82.16	4.26	1.40	0.50	35.28	48.77	15.94
561 - 580	66.38	18.16	14.50	0.97	0.00	1.21	2.03	3.70	86.61	6.44	0.00	0.00	61.78	23.02	15.20
541 - 560	66.77	21.16	11.84	0.23	0.00	0.59	1.93	1.39	90.26	5.82	0.00	0.00	56.85	25.06	18.09
521 - 540	88.91	8.23	2.87	0.00	0.00	0.61	1.60	3.27	94.52	0.00	0.00	0.00	54.07	24.27	21.66
520 & Below	94.09	5.26	0.65	0.00	0.00	0.74	1.98	2.45	92.71	2.13	0.00	0.00	68.60	16.32	15.08
Total:	73.83	10.50	5.71	9.96	0.00	2.66	4.02	4.32	83.04	4.26	1.25	0.45	37.96	45.96	16.08

2. LTV	Percentage of Aggregate Collateral
	LTV					Loan Amount							Documentation
LTV	85% LTV & below	LTV 85.01-90	LTV 90.01-95	LTV 95.01-100	LTV 100.01+	$50K and below	$50.01-75K	$75.01-100K	$100.01 - $600K	$600.01-750K	$750-900K	>$900K	Full Doc	Stated Doc	Limited Doc
80.00 & Below						0.23	0.94	2.41	90.00	4.40	1.35	0.67	34.35	50.81	14.84
80.01 - 85.00						0.12	1.84	1.91	88.05	7.19	0.89	0.00	48.43	32.07	19.50
85.01 - 90.00						0.96	1.50	1.66	87.53	6.24	2.11	0.00	49.04	30.12	20.84
90.01 - 95.00						3.42	5.35	4.49	82.57	3.15	1.02	0.00	58.47	20.91	20.62
95.01 - 100.00						22.11	28.15	21.54	28.21	0.00	0.00	0.00	32.04	53.35	14.61
Total:						2.66	4.02	4.32	83.04	4.26	1.25	0.45	37.96	45.96	16.08

3. DTI	Percentage of Aggregate Collateral
	LTV					Loan Amount							Documentation
DTI	85% LTV & below	LTV 85.01-90	LTV 90.01-95	LTV 95.01-100	LTV 100.01+	$50K and below	$50.01-75K	$75.01-100K	$100.01 - $600K	$600.01-750K	$750-900K	>$900K	Full Doc	Stated Doc	Limited Doc
<= 39.99	74.87	10.28	5.96	8.89	0.00	3.16	3.98	4.50	80.95	5.52	1.45	0.45	37.19	42.98	19.83
40.00 - 44.99	74.43	9.52	5.20	10.85	0.00	2.35	3.98	3.97	83.50	3.91	1.96	0.33	33.86	52.15	13.99
45.00 - 49.99	73.19	11.37	4.92	10.52	0.00	2.29	4.29	4.11	84.34	3.59	0.64	0.75	37.45	50.47	12.07
50.00 - 54.99	71.52	10.81	7.37	10.30	0.00	2.65	3.84	5.02	84.61	3.29	0.59	0.00	47.77	33.36	18.87
55.00 >=	66.46	14.36	11.82	7.37	0.00	3.07	1.89	5.67	89.37	0.00	0.00	0.00	69.52	11.36	19.12
Total:	73.83	10.50	5.71	9.96	0.00	2.66	4.02	4.32	83.04	4.26	1.25	0.45	37.96	45.96	16.08


4. Occupancy Type	Percentage of Aggregate Collateral
	LTV					Loan Amount							Documentation
Occupancy Type	85% LTV & below	LTV 85.01-90	LTV 90.01-95	LTV 95.01-100	LTV 100.01+	$50K and below	$50.01-75K	$75.01-100K	$100.01 - $600K	$600.01-750K	$750-900K	>$900K	Full Doc	Stated Doc	Limited Doc
Primary Residence	74.27	9.95	5.57	10.22	0.00	2.65	4.02	4.31	83.12	4.23	1.19	0.47	38.29	45.97	15.73
Investment Property	61.01	29.23	9.76	0.00	0.00	1.55	3.62	3.49	85.16	1.78	4.40	0.00	37.94	35.26	26.80
Second Home	70.63	11.67	6.94	10.76	0.00	4.22	4.38	5.85	77.30	8.26	0.00	0.00	24.74	57.27	17.99

5. WAC	Percentage of Aggregate Collateral
	LTV					Loan Amount							Documentation
WAC	85% LTV & below	LTV 85.01-90	LTV 90.01-95	LTV 95.01-100	LTV 100.01+	$50K and below	$50.01-75K	$75.01-100K	$100.01 - $600K	$600.01-750K	$750-900K	>$900K	Full Doc	Stated Doc	Limited Doc
<= 6.999	86.79	9.64	3.45	0.11	0.00	0.06	0.49	1.58	90.14	5.28	1.73	0.72	39.44	42.43	18.13
7.000 - 7.999	75.89	15.19	8.50	0.42	0.00	0.41	1.82	3.25	90.11	3.57	0.83	0.00	31.44	55.89	12.67
8.000 - 8.999	50.08	17.56	15.21	17.15	0.00	4.03	7.22	8.97	76.85	2.93	0.00	0.00	53.44	34.00	12.56
9.000 - 9.999	13.07	2.41	6.59	77.93	0.00	19.32	23.28	20.45	36.95	0.00	0.00	0.00	36.03	49.02	14.95
10.000 - 10.999	3.04	1.97	8.91	86.09	0.00	19.16	29.47	21.33	29.06	0.98	0.00	0.00	31.85	55.80	12.35
11.000 >=	0.48	1.97	9.92	87.63	0.00	41.24	36.34	10.62	11.80	0.00	0.00	0.00	21.34	74.54	4.13

6. IO Term	Percentage of Aggregate Collateral
	LTV					Loan Amount							Documentation
IO Term	85% LTV & below	LTV 85.01-90	LTV 90.01-95	LTV 95.01-100	LTV 100.01+	$50K and below	$50.01-75K	$75.01-100K	$100.01 - $600K	$600.01-750K	$750-900K	>$900K	Full Doc	Stated Doc	Limited Doc
0	70.48	10.80	5.76	12.96	0.00	3.46	5.21	5.40	80.82	3.65	0.96	0.50	36.32	49.85	13.83
2 Yr IO	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
3 Yr IO	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
5 Yr IO	84.67	9.75	5.52	0.06	0.00	0.00	0.10	0.74	90.13	6.35	2.37	0.31	43.38	32.82	23.80
10 Yr IO	87.88	6.25	5.87	0.00	0.00	0.00	0.00	1.19	93.33	5.49	0.00	0.00	43.37	36.98	19.65

7. DocType	Percentage of Aggregate Collateral
	LTV					Loan Amount							Documentation
DocType	85% LTV & below	LTV 85.01-90	LTV 90.01-95	LTV 95.01-100	LTV 100.01+	$50K and below	$50.01-75K	$75.01-100K	$100.01 - $600K	$600.01-750K	$750-900K	>$900K	Full Doc	Stated Doc	Limited Doc
Stated doc	78.96	6.88	2.60	11.56	0.00	2.42	4.32	4.33	84.61	3.57	0.61	0.14
Full doc	69.24	13.56	8.80	8.41	0.00	3.37	4.40	4.99	81.91	3.68	1.04	0.61
Limited Doc	70.02	13.61	7.32	9.05	0.00	1.67	2.25	2.74	81.21	7.61	3.57	0.95

8. OTHERS	Percentage of Aggregate Collateral
	LTV					Loan Amount							Documentation
OTHERS	85% LTV & below	LTV 85.01-90	LTV 90.01-95	LTV 95.01-100	LTV 100.01+	$50K and below	$50.01-75K	$75.01-100K	$100.01 - $600K	$600.01-750K	$750-900K	>$900K	Full Doc	Stated Doc	Limited Doc
Manufactured Housing	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
2nd Lien	0.14	1.62	6.15	92.08	0.00	22.96	28.92	21.48	26.63	0.00	0.00	0.00	30.90	55.13	13.97
< 100K	24.18	3.93	6.88	65.00	0.00	24.15	36.54	39.30	0.00	0.00	0.00	0.00	44.03	46.24	9.73
> 650K	80.01	16.43	3.56	0.00	0.00	0.00	0.00	0.00	0.00	60.14	29.31	10.54	37.31	26.22	36.47
Ohio	58.90	18.93	9.81	12.35	0.00	13.07	13.99	5.21	67.73	0.00	0.00	0.00	77.34	18.25	4.41
Nevada	76.86	8.28	4.57	10.29	0.00	4.89	4.48	2.38	83.04	5.22	0.00	0.00	46.24	39.92	13.84
California	76.02	9.61	4.43	9.94	0.00	0.70	2.91	3.25	83.78	6.64	2.11	0.61	32.51	49.50	17.99
Top 10 Loans	100.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	35.13	64.87	33.64	18.13	48.23

9. CREDIT GRADES	Percentage of Aggregate Collateral
	LTV					Loan Amount							Documentation
CREDIT GRADES please use Relevant Credit Grades of Originator	85% LTV & below	LTV 85.01-90	LTV 90.01-95	LTV 95.01-100	LTV 100.01+	$50K and below	$50.01-75K	$75.01-100K	$100.01 - $600K	$600.01-750K	$750-900K	>$900K	Full Doc	Stated Doc	Limited Doc
A	63.65	9.03	5.35	21.97	0.00	5.66	7.76	6.97	75.32	3.29	0.81	0.19	37.64	44.85	17.51
AA	81.09	9.49	5.76	3.66	0.00	0.73	1.84	2.64	86.78	5.12	2.03	0.86	28.96	56.26	14.78
A-	71.31	15.72	5.02	7.96	0.00	3.57	3.78	4.87	82.37	4.84	0.56	0.00	57.69	25.99	16.32
B	88.31	9.39	2.29	0.00	0.00	0.50	1.75	3.07	92.99	1.68	0.00	0.00	60.45	20.95	18.60
B+	65.23	21.54	12.86	0.37	0.00	0.42	1.41	2.19	90.75	5.23	0.00	0.00	58.13	26.97	14.91
C	100.00	0.00	0.00	0.00	0.00	0.00	0.72	1.02	98.26	0.00	0.00	0.00	51.12	31.36	17.52

1. FICO
	Percentage of Aggregate Collateral
	Interest Only		DTI			Other Data
FICO	2yr IO	3yr IO	5yr IO	10yr IO	DTI > 45	DTI > 50
581 & Above	0.00	0.00	23.99	1.82	31.82	5.69
561 - 580	0.00	0.00	3.13	0.00	36.52	9.57
541 - 560	0.00	0.00	2.41	0.00	31.13	8.36
521 - 540	0.00	0.00	0.00	0.00	38.56	8.78
520 & Below	0.00	0.00	0.00	1.36	44.01	7.27
Total:	0.00	0.00	21.60	1.65	32.35	6.01

2. LTV	Percentage of Aggregate Collateral
	Interest Only				DTI
LTV	2yr IO	3yr IO	5yr IO	10yr IO	DTI > 45	DTI > 50
80.00 & Below	0.00	0.00	25.54	2.07	30.90	5.10
80.01 - 85.00	0.00	0.00	16.76	0.87	37.17	9.90
85.01 - 90.00	0.00	0.00	20.06	0.98	36.00	8.14
90.01 - 95.00	0.00	0.00	20.89	1.70	36.52	9.24
95.01 - 100.00	0.00	0.00	0.13	0.00	32.76	5.49
Total:	0.00	0.00	21.60	1.65	32.35	6.01

3. DTI	Percentage of Aggregate Collateral
	Interest Only				DTI
DTI	2yr IO	3yr IO	5yr IO	10yr IO	DTI > 45	DTI > 50
<= 39.99	0.00	0.00	27.52	1.85
40.00 - 44.99	0.00	0.00	25.16	1.98
45.00 - 49.99	0.00	0.00	16.50	1.34
50.00 - 54.99	0.00	0.00	8.32	0.90
55.00 >=	0.00	0.00	3.51	1.86
Total:	0.00	0.00	21.60	1.65


4. Occupancy Type	Percentage of Aggregate Collateral
	Interest Only				DTI
Occupancy Type	2yr IO	3yr IO	5yr IO	10yr IO	DTI > 45	DTI > 50
Primary Residence	0.00	0.00	22.20	1.71	32.06	5.78
Investment Property	0.00	0.00	0.85	0.00	40.12	14.03
Second Home	0.00	0.00	20.43	1.14	35.36	6.31

5. WAC	Percentage of Aggregate Collateral
	Interest Only				DTI
WAC	2yr IO	3yr IO	5yr IO	10yr IO	DTI > 45	DTI > 50
<= 6.999	0.00	0.00	30.75	2.24	31.21	5.99
7.000 - 7.999	0.00	0.00	10.78	0.99	34.50	5.90
8.000 - 8.999	0.00	0.00	2.77	0.70	33.76	8.82
9.000 - 9.999	0.00	0.00	0.00	0.00	32.39	5.16
10.000 - 10.999	0.00	0.00	0.00	0.00	34.70	4.35
11.000 >=	0.00	0.00	0.00	0.00	39.13	3.57

6. IO Term	Percentage of Aggregate Collateral
	Interest Only				DTI
IO Term	2yr IO	3yr IO	5yr IO	10yr IO	DTI > 45	DTI > 50
0					37.18	7.18
2 Yr IO					0.00	0.00
3 Yr IO					0.00	0.00
5 Yr IO					16.18	1.86
10 Yr IO					19.27	5.75

7. DocType	Percentage of Aggregate Collateral
	Interest Only				DTI
DocType	2yr IO	3yr IO	5yr IO	10yr IO	DTI > 45	DTI > 50
Stated doc	0.00	0.00	15.42	1.33	30.50	1.71
Full doc	0.00	0.00	24.68	1.88	35.97	10.51
Limited Doc	0.00	0.00	31.96	2.02	29.08	7.67

8. OTHERS	Percentage of Aggregate Collateral
	Interest Only				DTI
OTHERS	2yr IO	3yr IO	5yr IO	10yr IO	DTI > 45	DTI > 50
Manufactured Housing					0.00	0.00
2nd Lien	0.00	0.00	0.00	0.00	32.93	5.14
< 100K	0.00	0.00	1.65	0.18	33.17	6.37
> 650K	0.00	0.00	31.47	2.12	19.26	4.81
Ohio	0.00	0.00	3.96	0.00	32.88	15.46
Nevada	0.00	0.00	16.80	1.46	39.26	8.11
California	0.00	0.00	29.08	1.78	29.21	4.93
Top 10 Loans	0.00	0.00	27.40	0.00	10.92	0.00

9. CREDIT GRADES	Percentage of Aggregate Collateral
	Interest Only				DTI
CREDIT GRADES please use Relevant Credit Grades of Originator	2yr IO	3yr IO	5yr IO	10yr IO	DTI > 45	DTI > 50
A	0.00	0.00	15.84	1.58	31.44	6.08
AA	0.00	0.00	33.69	2.38	30.23	4.68
A-	0.00	0.00	10.05	0.38	40.00	9.44
B	0.00	0.00	0.00	0.00	37.31	6.95
B+	0.00	0.00	0.00	0.00	38.02	10.11
C	0.00	0.00	0.00	0.00	31.36	3.68

EX-99 3 jpmac2005wmc1solentrequest.htm EXHIBIT 99.1 COMPUTATIONAL MATERIALS This workbook has 4 data sheets for data input:The Structure and Collateral sheets

This workbook has 4 data sheets for data input:The Structure and Collateral sheets. The Structure sheet is for the structure of the offered notes, input cells are highlighted and an example sheet is shown.

The collateral sheets are for the assets underlying the deal, input cells are highlighted. With the exception of the summary statistics table each cell should contain the weighted percentage of deals that answer the given criteria, e.g. what % are owner occupied, what % have FICO of 640-659 and are IO. The Collateral Total sheet is for the entire deal, with the other sheets for the individual groups.

Example:

Deal launched Date

Deal launched Date

Tuesday, March 01, 2005

Originator

Originator

XXXXX

Servicer

Servicer

YYYY

Collateral

Collateral

Resi B&C

Size in USD

Size in USD

500,000,000

Structure:

Structure:

Tranche name

Rating: Moodys/S&P

Size (M$)

Spread

WAL

Credit Enhacement

Tranche name

Rating: Moodys/S&P

Size (M$)

Spread

WAL

Credit Enhacement

AAA/AAA

200

60.00%

AAA/AAA

140

32.00%

AAA/AAA

6.23/9.66

22.00%

AAA/AAA

22.00%

AAA/AAA

22.00%

Aa2/AA

11.00%

A2/A

5.00%

A3/A-

4.6

4.00%

Baa1/BBB+

4.6

3.00%

Baa2/BBB

4.5

2.00%

Baa3/BBB-

4.3

1.00%

Ba1/BB+

0.00%

N/A

Excess spread

3.92%

Reserve fund

2.65%

Max reserve fund

Excess spread

Reserve fund

Max reserve fund


LTV/FICO Matrix			LTV
			60-	60-65	65-70	70-75	75-80	80-85	85-90	90-95	95-100	Total
FIXED	FICO	501 - 520	12.92	0.00	0.00	0.00	42.94	34.37	9.77	0.00	0.00	100.00
		521 - 540	35.51	0.00	0.00	7.27	0.00	37.82	19.40	0.00	0.00	100.00
		541 - 560	19.23	15.36	15.68	3.86	26.75	4.18	2.67	8.46	3.81	100.00
		561 - 580	21.61	0.00	20.92	3.21	18.54	19.95	0.00	4.09	11.67	100.00
		581 - 600	5.30	0.62	1.48	1.69	7.51	14.66	2.03	6.17	60.54	100.00
		601 - 620	1.44	1.67	3.22	2.75	7.12	15.50	3.65	6.72	57.93	100.00
		621 - 650	2.76	0.71	2.76	1.58	5.00	13.94	5.30	5.75	62.20	100.00
		651 - 680	2.82	2.02	1.26	1.75	4.63	13.89	4.72	7.02	61.88	100.00
		681 - 700	1.81	0.56	1.42	1.28	1.13	16.55	0.61	10.66	65.98	100.00
		701 - 720	2.90	1.88	0.00	2.09	3.98	12.90	8.33	4.18	63.74	100.00
		721 - 740	8.01	2.08	3.58	1.22	10.19	12.82	0.35	3.12	58.62	100.00
		741 - 760	0.00	0.00	8.24	0.00	0.00	12.97	9.75	13.72	55.32	100.00
		761 - 780	0.00	0.00	0.00	0.00	0.00	34.25	0.00	13.23	52.53	100.00
		781 - 800	0.00	0.00	6.07	0.00	0.00	22.83	0.00	0.00	71.10	100.00
		801 >=	0.00	0.00	0.00	0.00	0.00	55.17	0.00	0.00	44.83	100.00
		Total:	3.55	1.36	2.77	1.82	5.70	14.94	4.17	6.65	59.06	100.00
		481 - 500	0.00	21.33	21.34	15.70	14.51	17.11	5.41	4.60	0.00	100.00
		501 - 520	4.76	4.16	7.58	12.49	18.68	24.33	25.69	1.59	0.72	100.00
		521 - 540	8.69	4.30	8.89	6.94	18.11	26.32	17.16	8.26	1.31	100.00
		541 - 560	7.41	2.40	5.43	7.87	16.78	16.69	11.03	19.79	12.61	100.00
		561 - 580	5.19	2.53	5.43	6.80	11.91	19.55	16.95	15.92	15.72	100.00
		581 - 600	3.73	0.77	2.06	6.06	11.04	50.25	9.75	11.40	4.94	100.00
		601 - 620	1.79	1.35	1.73	4.73	5.36	64.67	7.51	9.33	3.53	100.00
		621 - 650	1.50	0.41	1.60	2.75	7.30	66.96	5.99	10.40	3.10	100.00
		651 - 680	0.64	0.58	1.22	2.10	5.83	70.18	4.49	9.92	5.05	100.00
		681 - 700	1.21	0.00	1.12	1.25	3.79	75.19	5.32	6.70	5.43	100.00
		701 - 720	0.47	0.28	0.00	0.54	3.21	76.82	1.95	10.15	6.57	100.00
		721 - 740	0.45	0.00	3.68	0.86	4.03	73.96	4.93	7.15	4.94	100.00
		741 - 760	1.06	0.00	0.00	0.19	6.20	81.27	4.47	4.36	2.45	100.00
		761 - 780	1.24	1.34	0.00	0.81	2.73	60.95	12.80	12.82	7.31	100.00
		781 - 800	0.00	0.00	1.60	0.00	0.00	88.36	3.62	0.00	6.41	100.00
		801 >=	16.64	0.00	0.00	0.00	0.00	83.36	0.00	0.00	0.00	100.00
		Total:	2.06	0.90	2.09	3.44	7.32	62.02	7.29	9.90	4.98	100.00


CLTV/FICO Matrix			CLTV (including silent seconds)
FIXED	FICO		60-	60-65	65-70	70-75	75-80	80-85	85-90	90-95	95-100	100-105	105-110	110+	Total
		501 - 520	12.92	0.00	0.00	0.00	42.94	34.37	9.77	0.00	0.00	0.00	0.00	0.00	100.00
		521 - 540	35.51	0.00	0.00	7.27	0.00	37.82	19.40	0.00	0.00	0.00	0.00	0.00	100.00
		541 - 560	19.23	15.36	15.68	3.86	26.75	4.18	2.67	8.46	0.00	3.81	0.00	0.00	100.00
		561 - 580	21.61	0.00	20.92	3.21	18.54	11.76	0.00	4.09	2.68	17.19	0.00	0.00	100.00
		581 - 600	5.30	0.62	1.48	1.69	7.24	9.80	3.09	6.17	1.94	62.67	0.00	0.00	100.00
		601 - 620	1.44	1.67	3.22	2.75	6.65	7.78	3.65	7.19	8.03	57.62	0.00	0.00	100.00
		621 - 650	2.76	0.71	2.76	1.52	4.57	5.25	5.30	5.64	10.13	61.37	0.00	0.00	100.00
		651 - 680	2.82	2.02	1.26	1.75	3.50	6.05	5.06	8.69	4.33	64.52	0.00	0.00	100.00
		681 - 700	1.81	0.56	1.42	1.28	1.13	4.94	0.61	10.66	5.61	71.99	0.00	0.00	100.00
		701 - 720	2.90	1.88	0.00	2.09	3.98	3.14	8.33	4.18	10.82	62.68	0.00	0.00	100.00
		721 - 740	8.01	2.08	0.00	1.22	10.19	3.17	0.35	3.12	6.99	64.86	0.00	0.00	100.00
		741 - 760	0.00	0.00	8.24	0.00	0.00	0.00	9.75	13.72	3.58	64.71	0.00	0.00	100.00
		761 - 780	0.00	0.00	0.00	0.00	0.00	12.84	0.00	13.23	8.58	65.35	0.00	0.00	100.00
		781 - 800	0.00	0.00	6.07	0.00	0.00	8.97	0.00	0.00	6.84	78.12	0.00	0.00	100.00
		801 >=	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	28.24	71.76	0.00	0.00	100.00
		Total:	3.55	1.36	2.62	1.80	5.25	6.31	4.32	7.05	6.93	60.83	0.00	0.00	100.00
		481 - 500	0.00	21.33	21.34	15.70	14.51	17.11	5.41	4.60	0.00	0.00	0.00	0.00	100.00
		501 - 520	4.76	4.16	7.58	12.49	18.68	22.82	25.69	1.59	0.72	1.51	0.00	0.00	100.00
		521 - 540	8.69	4.30	8.89	6.94	18.11	24.52	17.16	8.26	3.11	0.00	0.00	0.00	100.00
		541 - 560	7.41	2.40	5.43	7.87	16.78	14.82	11.03	19.19	12.61	2.47	0.00	0.00	100.00
		561 - 580	5.19	2.53	5.43	6.80	11.82	14.28	16.95	16.46	17.60	2.94	0.00	0.00	100.00
		581 - 600	3.73	0.77	2.06	5.07	9.23	12.31	9.75	12.50	6.68	37.91	0.00	0.00	100.00
		601 - 620	1.79	1.35	0.88	3.20	4.22	9.11	7.51	11.10	11.27	49.58	0.00	0.00	100.00
		621 - 650	1.50	0.41	1.60	2.09	3.68	9.62	5.87	12.10	9.75	53.38	0.00	0.00	100.00
		651 - 680	0.64	0.58	1.22	1.91	3.37	7.23	4.49	11.94	8.15	60.47	0.00	0.00	100.00
		681 - 700	1.21	0.00	1.12	1.25	2.16	5.11	5.59	9.09	8.64	65.85	0.00	0.00	100.00
		701 - 720	0.47	0.28	0.00	0.00	1.57	7.06	2.18	12.08	12.04	64.31	0.00	0.00	100.00
		721 - 740	0.45	0.00	1.00	0.00	4.45	7.57	4.93	9.83	8.92	62.85	0.00	0.00	100.00
		741 - 760	1.06	0.00	0.00	0.00	1.80	4.17	4.66	11.77	2.32	74.23	0.00	0.00	100.00
		761 - 780	1.24	1.34	0.00	0.81	2.73	2.21	12.80	12.82	9.18	56.87	0.00	0.00	100.00
		781 - 800	0.00	0.00	1.60	0.00	0.00	13.41	3.62	4.71	6.41	70.25	0.00	0.00	100.00
		801 >=	16.64	0.00	0.00	0.00	0.00	0.00	0.00	0.00	28.85	54.51	0.00	0.00	100.00
		Total:	2.06	0.90	1.86	2.88	5.38	9.52	7.31	11.65	9.25	49.19	0.00	0.00	100.00





			IO
	FICO	500 - 540	0.12
		540 - 560	0.32
		561 - 580	0.49
		581- 600	4.97
		601 - 620	9.63
		621 - 650	20.17
		651 - 680	24.60
		681 - 700	14.89
		701 - 720	10.38
		721 - 740	6.36
		741 - 760	4.47
		761 - 780	2.19
		781 - 800	1.06
		801 >=	0.33
		Total:	100.00





DTI/FICO matrix
		DTI

Product	FICO range	<20	20-24.9	25-29.9	30-34.9	35-39.9	40-44.9	45-49.9	50-54.9	55-59.9	60+	TOTAL
Fixed	501 - 550	0.00	4.60	0.00	6.48	18.30	28.33	31.38	10.92	0.00	0.00	100.00
	551 - 575	0.89	6.59	9.76	10.48	17.26	27.89	21.20	5.94	0.00	0.00	100.00
	576 - 600	0.86	3.19	4.22	6.91	14.96	22.45	26.57	17.92	2.92	0.00	100.00
	601 - 620	2.37	2.24	3.84	10.31	14.18	25.26	25.62	13.66	2.52	0.00	100.00
	621 - 650	0.83	2.90	3.97	8.75	17.13	24.19	28.38	12.35	1.52	0.00	100.00
	651 - 680	3.56	2.27	5.99	8.14	15.84	25.02	29.23	8.52	1.36	0.07	100.00
	681 - 700	3.88	0.95	4.97	13.79	22.28	22.54	24.65	6.69	0.24	0.00	100.00
	701 - 750	8.09	1.12	3.43	6.04	16.10	23.30	28.31	12.79	0.83	0.00	100.00
	751 - 800	2.37	3.92	5.47	11.41	15.73	23.05	26.60	3.35	8.10	0.00	100.00
	801 >=	0.00	0.00	10.15	0.00	0.00	34.68	55.17	0.00	0.00	0.00	100.00
	Total:	2.87	2.39	4.52	8.91	16.51	24.25	27.51	11.37	1.66	0.01	100.00
ARM	301 - 500	4.60	0.00	25.92	17.14	21.33	24.17	6.82	0.00	0.00	0.00	100.00
	501 - 550	0.79	2.51	5.48	9.21	15.21	24.24	28.19	12.25	2.12	0.00	100.00
	551 - 575	3.89	3.58	3.27	12.08	13.28	25.11	27.97	8.04	2.79	0.00	100.00
	576 - 600	0.63	2.19	5.47	7.35	16.22	23.48	29.02	13.72	1.86	0.07	100.00
	601 - 620	3.02	2.27	4.67	8.87	17.26	23.38	26.81	12.14	1.59	0.00	100.00
	621 - 650	1.30	2.56	4.43	9.61	14.62	26.12	30.90	8.42	2.04	0.00	100.00
	651 - 680	2.97	2.37	4.61	9.43	16.71	28.37	26.10	8.35	1.10	0.00	100.00
	681 - 700	2.52	1.45	4.99	11.36	20.07	29.69	19.51	9.72	0.71	0.00	100.00
	701 - 750	2.21	2.18	4.75	8.09	17.01	28.24	28.07	8.24	1.21	0.00	100.00
	751 - 800	1.94	3.72	10.06	10.22	16.78	27.96	24.44	4.53	0.35	0.00	100.00
	801 >=	0.00	16.64	14.84	0.00	0.00	33.78	34.74	0.00	0.00	0.00	100.00
	Total:	2.11	2.41	4.92	9.33	16.30	26.33	27.41	9.62	1.56	0.01	100.00

	General Pool Statistics

Geographic distribution		Documentation		Rate type
State	%		%		%
Alabama	0.02	Full Documentation	37.96	Fixed	18.12
Arizona	2.40	Limited Documentation	16.08	ARM	81.88
Arkansas	0.03	Stated Documentation	45.96	Total	100.00
California	51.25
Colorado	0.70
Connecticut	1.17
Delaware	0.10	Occupancy Status		Borrower type
Florida	5.64		%		%
Georgia	0.86	Investment	2.65	1st Lien	89.40
Idaho	0.43	Primary Residence	95	2nd lien	10.60
Illinois	2.97	Second	2.35	Total	100.00
Indiana	0.14
Iowa	0.03
Kansas	0.03	Distribution by Property Type		Mortgage purpose
Kentucky	0.13		%		%
Louisiana	0.47	Condominium	9.20	Cashout Refinance	42.84
Maine	0.20	Duplex	4.72	Purchase	54.59
Maryland	4.71	PUD project ( Attached)	3.41	Refinance	2.57
Massachusetts	2.55	PUD single family( Detached)	10.82
Michigan	0.47	Single family detached	70.16
Minnesota	0.20	Single family 4 unit	0.66
Mississippi	0.14	Triplex	1.03	Summary statistics
Missouri	0.36	Total:	100.00
Montana	0.10			Number of loans	7,642
Nebraska	0.03			Total principal balance	1,447,912,146.71
Nevada	1.81			Average outstanding balance	189467.70
New Hampshire	0.52			Largest outstanding balance	1310836.73
New Jersey	3.41	Repayment type		WA LTV	82.42
New Mexico	0.18		%	LTV >90%	15.67
New York	5.79	2/28 ARM	74.29	WA Remaining Term (Months)	336
North Carolina	0.52	3/27 ARM	3.31	WA Seasoning (months)	3
North Dakota	0.01	5/25 ARM	4.09	WA Credit Score	643
Ohio	0.35	Fixed	18.12	WA Net Mortgage Rate	6.62
Oklahoma	0.07	6ML ARM	0.19	WA Neg Am limit	N/A
Oregon	0.37	Total:	100.00
Pennsylvania	0.97			Periodic Cap	%
Rhode Island	0.26			0.000	18.12
South Carolina	0.11			0.500	0.02
South Dakota	0.02			1.000	81.48
Tennessee	0.44			1.500	0.05
Texas	2.76			2.000	0.31
Utah	0.21			10.000	0.02
Vermont	0.02	Prepay penalty		Total:	100.00
Virginia	3.66		%
Washington	2.80	None
West Virginia	0.01	0	31.60	Conforming
Wisconsin	0.25	12	3.96		%
Wyoming	0.01	24	56.35	Conforming	63.22
Washington DC	0.34	36	8.10	Non conforming	36.78
Total:	100.00	Total:	100.00


LTV/FICO Matrix			LTV
			60-	60-65	65-70	70-75	75-80	80-85	85-90	90-95	95-100	Total
FIXED	FICO	501 - 520	0.00	0.00	0.00	0.00	100.00	0.00	0.00	0.00	0.00	100.00
		521 - 540	100.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	100.00
		541 - 560	16.32	22.92	60.76	0.00	0.00	0.00	0.00	0.00	0.00	100.00
		561 - 580	71.54	0.00	0.00	0.00	0.00	26.55	0.00	0.00	1.91	100.00
		581 - 600	17.86	0.00	0.00	4.31	0.00	9.91	0.00	3.10	64.82	100.00
		601 - 620	0.00	1.51	0.00	5.07	12.04	20.93	2.52	5.84	52.09	100.00
		621 - 650	5.70	1.68	2.80	1.56	7.79	17.46	6.04	6.04	50.93	100.00
		651 - 680	3.89	2.60	2.51	1.43	5.88	13.87	6.98	8.06	54.78	100.00
		681 - 700	4.15	1.28	3.24	2.93	2.59	18.45	0.16	5.38	61.81	100.00
		701 - 720	5.12	3.33	0.00	3.70	7.03	17.61	10.33	6.81	46.08	100.00
		721 - 740	7.66	5.10	0.00	3.00	4.00	20.44	0.87	3.61	55.31	100.00
		741 - 760	0.00	0.00	4.90	0.00	0.00	9.94	0.50	20.12	64.54	100.00
		761 - 780	0.00	0.00	0.00	0.00	0.00	47.94	0.00	2.26	49.79	100.00
		781 - 800	0.00	0.00	8.47	0.00	0.00	31.83	0.00	0.00	59.71	100.00
		Total:	5.25	2.33	2.65	2.09	6.03	16.90	5.07	6.78	52.90	100.00
		481 - 500	0.00	0.00	0.00	52.54	0.00	0.00	25.63	21.82	0.00	100.00
		501 - 520	5.65	1.48	7.90	11.94	22.11	23.60	24.10	1.72	1.51	100.00
		521 - 540	12.50	0.00	6.01	7.51	18.42	20.44	22.94	9.86	2.33	100.00
		541 - 560	10.51	3.08	6.07	7.96	14.89	14.11	13.41	16.85	13.12	100.00
		561 - 580	7.44	4.82	6.66	12.19	8.58	18.98	13.53	14.32	13.48	100.00
		581 - 600	5.13	1.66	2.85	7.57	11.07	43.95	8.30	12.15	7.31	100.00
		601 - 620	4.12	2.50	2.18	4.42	5.13	54.41	10.08	12.42	4.73	100.00
		621 - 650	3.14	0.76	2.39	4.35	6.53	55.79	8.97	12.60	5.47	100.00
		651 - 680	1.80	1.33	3.11	3.28	4.13	60.66	7.67	9.82	8.21	100.00
		681 - 700	2.24	0.00	0.00	3.12	3.37	67.97	3.46	11.73	8.12	100.00
		701 - 720	1.58	0.95	0.00	0.00	3.06	69.03	4.01	11.69	9.69	100.00
		721 - 740	1.43	0.00	0.97	0.00	7.98	68.68	2.82	15.63	2.49	100.00
		741 - 760	3.81	0.00	0.00	0.67	0.67	83.24	5.46	4.54	1.61	100.00
		761 - 780	0.00	4.33	0.00	2.60	0.00	58.05	10.46	10.14	14.41	100.00
		781 - 800	0.00	0.00	3.54	0.00	0.00	88.48	7.98	0.00	0.00	100.00
		801 >=	70.18	0.00	0.00	0.00	0.00	29.82	0.00	0.00	0.00	100.00
		Total:	4.19	1.52	2.85	5.01	7.33	50.99	9.39	11.74	6.97	100.00


CLTV/FICO Matrix			CLTV (including silent seconds)
FIXED	FICO		60-	60-65	65-70	70-75	75-80	80-85	85-90	90-95	95-100	100-105	105-110	110+	Total
		501 - 520	0.00	0.00	0.00	0.00	100.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	100.00
		521 - 540	100.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	100.00
		541 - 560	16.32	22.92	60.76	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	100.00
		561 - 580	71.54	0.00	0.00	0.00	0.00	26.55	0.00	0.00	0.00	1.91	0.00	0.00	100.00
		581 - 600	17.86	0.00	0.00	4.31	0.00	0.00	0.00	3.10	0.00	74.73	0.00	0.00	100.00
		601 - 620	0.00	1.51	0.00	5.07	7.34	16.66	2.52	10.54	10.39	45.97	0.00	0.00	100.00
		621 - 650	5.70	1.68	2.80	1.35	7.79	7.47	6.04	6.04	7.44	53.70	0.00	0.00	100.00
		651 - 680	3.89	2.60	2.51	1.43	3.62	6.31	7.65	9.27	5.73	56.98	0.00	0.00	100.00
		681 - 700	4.15	1.28	3.24	2.93	2.59	7.74	0.16	5.38	7.40	65.12	0.00	0.00	100.00
		701 - 720	5.12	3.33	0.00	3.70	7.03	3.13	10.33	6.81	8.25	52.31	0.00	0.00	100.00
		721 - 740	7.66	5.10	0.00	3.00	4.00	7.78	0.87	3.61	13.74	54.24	0.00	0.00	100.00
		741 - 760	0.00	0.00	4.90	0.00	0.00	0.00	0.50	20.12	7.53	66.95	0.00	0.00	100.00
		761 - 780	0.00	0.00	0.00	0.00	0.00	0.00	0.00	2.26	21.63	76.11	0.00	0.00	100.00
		781 - 800	0.00	0.00	8.47	0.00	0.00	12.50	0.00	0.00	9.53	69.49	0.00	0.00	100.00
		Total:	5.25	2.33	2.65	2.04	5.05	6.79	5.30	7.41	7.45	55.74	0.00	0.00	100.00
		481 - 500	0.00	0.00	0.00	52.54	0.00	0.00	25.63	21.82	0.00	0.00	0.00	0.00	100.00
		501 - 520	5.65	1.48	7.90	11.94	22.11	23.60	24.10	1.72	1.51	0.00	0.00	0.00	100.00
		521 - 540	12.50	0.00	6.01	7.51	18.42	20.44	22.94	9.86	2.33	0.00	0.00	0.00	100.00
		541 - 560	10.51	3.08	6.07	7.96	14.89	11.80	13.41	15.91	13.12	3.25	0.00	0.00	100.00
		561 - 580	7.44	4.82	6.66	12.19	8.40	12.70	13.53	14.05	15.13	5.07	0.00	0.00	100.00
		581 - 600	5.13	1.66	2.85	7.57	9.46	11.15	8.30	13.49	8.58	31.80	0.00	0.00	100.00
		601 - 620	4.12	2.50	2.18	4.42	4.69	8.22	10.08	12.44	12.88	38.46	0.00	0.00	100.00
		621 - 650	3.14	0.76	2.39	4.20	5.56	9.83	8.85	14.12	11.72	39.43	0.00	0.00	100.00
		651 - 680	1.80	1.33	3.11	3.28	3.51	12.30	7.67	10.87	9.39	46.76	0.00	0.00	100.00
		681 - 700	2.24	0.00	0.00	3.12	2.32	7.72	4.33	12.61	12.03	55.65	0.00	0.00	100.00
		701 - 720	1.58	0.95	0.00	0.00	2.85	8.77	3.52	13.60	12.06	56.69	0.00	0.00	100.00
		721 - 740	1.43	0.00	0.97	0.00	5.70	8.24	2.82	17.17	4.77	58.89	0.00	0.00	100.00
		741 - 760	3.81	0.00	0.00	0.00	0.00	8.58	6.13	11.97	1.61	67.90	0.00	0.00	100.00
		761 - 780	0.00	4.33	0.00	2.60	0.00	4.13	10.46	10.14	13.72	54.61	0.00	0.00	100.00
		781 - 800	0.00	0.00	3.54	0.00	0.00	20.97	7.98	10.37	0.00	57.14	0.00	0.00	100.00
		801 >=	70.18	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	29.82	0.00	0.00	100.00
		Total:	4.19	1.52	2.85	4.96	6.60	10.87	9.42	12.74	10.37	36.49	0.00	0.00	100.00





			IO
	FICO	561 - 580	1.47
		581- 600	7.06
		601 - 620	10.19
		621 - 650	22.51
		651 - 680	25.93
		681 - 700	10.54
		701 - 720	9.61
		721 - 740	5.18
		741 - 760	4.13
		761 - 780	1.58
		781 - 800	1.32
		801 >=	0.48
		Total:	100.00





DTI/FICO matrix
		DTI

Product	FICO range	<20	20-24.9	25-29.9	30-34.9	35-39.9	40-44.9	45-49.9	50-54.9	55-59.9	60+	TOTAL
Fixed	501 - 550	0.00	0.00	0.00	0.00	46.68	25.04	28.28	0.00	0.00	0.00	100.00
	551 - 575	0.00	0.00	29.57	0.00	16.35	54.09	0.00	0.00	0.00	0.00	100.00
	576 - 600	0.00	0.00	29.79	12.99	8.30	13.73	22.23	12.95	0.00	0.00	100.00
	601 - 620	0.00	2.15	14.61	10.07	15.63	23.20	21.96	9.79	2.58	0.00	100.00
	621 - 650	1.42	2.92	2.84	10.53	20.81	19.73	22.58	18.01	1.17	0.00	100.00
	651 - 680	4.35	3.11	6.93	8.06	16.00	23.74	25.80	10.94	0.94	0.13	100.00
	681 - 700	1.96	1.49	7.69	9.19	19.79	25.13	26.02	8.19	0.54	0.00	100.00
	701 - 750	9.81	0.63	6.18	8.21	20.69	16.78	22.55	13.45	1.70	0.00	100.00
	751 - 800	2.01	5.85	6.25	16.19	16.77	26.40	24.06	2.47	0.00	0.00	100.00
	Total:	3.94	2.35	6.82	9.13	18.67	21.98	23.90	12.07	1.10	0.04	100.00
ARM	301 - 500	21.82	0.00	0.00	0.00	0.00	78.18	0.00	0.00	0.00	0.00	100.00
	501 - 550	0.85	4.47	3.78	8.76	14.22	22.08	27.90	15.89	2.05	0.00	100.00
	551 - 575	2.16	2.30	3.95	8.30	20.56	22.36	27.98	8.89	3.51	0.00	100.00
	576 - 600	0.45	1.75	6.60	9.63	14.61	22.39	27.09	14.84	2.51	0.14	100.00
	601 - 620	1.54	2.26	5.31	7.06	16.06	22.41	27.64	14.69	3.03	0.00	100.00
	621 - 650	1.48	3.19	4.87	9.41	15.09	21.16	29.61	11.99	3.20	0.00	100.00
	651 - 680	2.43	3.57	5.16	8.92	16.64	24.79	28.31	7.92	2.26	0.00	100.00
	681 - 700	1.12	1.61	3.66	10.07	18.26	28.05	26.83	8.13	2.28	0.00	100.00
	701 - 750	1.82	1.14	4.95	8.36	15.69	27.25	27.15	12.03	1.61	0.00	100.00
	751 - 800	2.78	4.00	8.98	10.59	15.09	28.29	26.80	2.46	1.00	0.00	100.00
	801 >=	0.00	70.18	29.82	0.00	0.00	0.00	0.00	0.00	0.00	0.00	100.00
	Total:	1.56	2.74	5.12	8.85	16.01	23.52	27.95	11.63	2.59	0.02	100.00

	General Pool Statistics

Geographic distribution		Documentation		Rate type
State	%		%		%
Alabama	0.03	Full Documentation	46.37	Fixed	15.79
Arizona	3.91	Limited Documentation	14.21	ARM	84.21
Arkansas	0.07	Stated Documentation	39.42	Total	100.00
California	33.02
Colorado	1.39
Connecticut	1.81
Delaware	0.24	Occupancy Status		Borrower type
Florida	7.30		%		%
Georgia	1.56	Investment	5.07	1st Lien	92.00
Idaho	0.69	Primary Residence	90.39	2nd lien	8.00
Illinois	4.71	Second	4.54	Total	100.00
Indiana	0.23
Iowa	0.06
Kansas	0.03	Distribution by Property Type		Mortgage purpose
Kentucky	0.19		%		%
Louisiana	0.86	Condominium	9.12	Cashout Refinance	63.39
Maine	0.41	Duplex	5.06	Purchase	32.65
Maryland	7.17	PUD project ( Attached)	4.77	Refinance	3.96
Massachusetts	3.16	PUD single family( Detached)	8.46
Michigan	0.84	Single family detached	70.05
Minnesota	0.38	Single family 4 unit	0.80
Mississippi	0.26	Triplex	1.73	Summary statistics
Missouri	0.59	Total:	100.00
Montana	0.23			Number of loans	3452
Nevada	2.79			Total principal balance	532,588,418.77
New Hampshire	1.05			Average outstanding balance	154284.01
New Jersey	4.00			Largest outstanding balance	598199.13
New Mexico	0.41	Repayment type		WA LTV	81.62
New York	5.47		%	LTV >90%	15.03
North Carolina	0.81	2/28 ARM	76.9	WA Remaining Term (Months)	340
North Dakota	0.03	3/27 ARM	3.98	WA Seasoning (months)	3
Ohio	0.61	5/25 ARM	3.12	WA Credit Score	637
Oklahoma	0.15	Fixed	15.79	WA Net Mortgage Rate	6.59
Oregon	0.47	6ML ARM	0.21	WA Neg Am limit	N/A
Pennsylvania	1.58	Total:	100.00
Rhode Island	0.42			Periodic Cap	%
South Carolina	0.05			0.000	15.79
South Dakota	0.05			0.500	0.03
Tennessee	0.77			1.000	83.70
Texas	2.76			1.500	0.08
Utah	0.35			2.000	0.34
Vermont	0.04			10.000	0.06
Virginia	4.20	Prepay penalty		Total:	100.00
Washington	3.89		%
West Virginia	0.03	None
Wisconsin	0.40	0	35.01	Conforming
Wyoming	0.02	12	2.87		%
Washington DC	0.52	24	54.36	Conforming	100.00
Total:	100.00	36	7.76	Non conforming	0.00
		Total:	100.00


LTV/FICO Matrix			LTV
			60-	60-65	65-70	70-75	75-80	80-85	85-90	90-95	95-100	Total
FIXED	FICO	501 - 520	17.24	0.00	0.00	0.00	23.87	45.86	13.03	0.00	0.00	100.00
		521 - 540	31.49	0.00	0.00	7.72	0.00	40.18	20.61	0.00	0.00	100.00
		541 - 560	20.24	12.72	0.00	5.21	36.06	5.64	3.59	11.40	5.14	100.00
		561 - 580	13.04	0.00	24.51	3.76	21.72	18.82	0.00	4.79	13.35	100.00
		581 - 600	4.63	0.66	1.56	1.55	7.91	14.92	2.14	6.33	60.31	100.00
		601 - 620	1.60	1.68	3.57	2.49	6.57	14.90	3.78	6.82	58.58	100.00
		621 - 650	1.66	0.34	2.75	1.59	3.96	12.62	5.02	5.64	66.43	100.00
		651 - 680	1.76	1.44	0.00	2.07	3.37	13.92	2.46	5.98	69.00	100.00
		681 - 700	0.00	0.00	0.00	0.00	0.00	15.08	0.95	14.76	69.21	100.00
		701 - 720	0.00	0.00	0.00	0.00	0.00	6.75	5.72	0.74	86.80	100.00
		721 - 740	8.24	0.00	6.04	0.00	14.45	7.58	0.00	2.78	60.90	100.00
		741 - 760	0.00	0.00	11.28	0.00	0.00	15.73	18.15	7.90	46.94	100.00
		761 - 780	0.00	0.00	0.00	0.00	0.00	25.24	0.00	20.44	54.33	100.00
		781 - 800	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	100.00	100.00
		801 >=	0.00	0.00	0.00	0.00	0.00	55.17	0.00	0.00	44.83	100.00
		Total:	2.74	0.90	2.82	1.69	5.54	14.02	3.74	6.59	61.97	100.00
		481 - 500	0.00	27.04	27.04	5.85	18.38	21.68	0.00	0.00	0.00	100.00
		501 - 520	3.94	6.62	7.29	12.99	15.54	25.00	27.15	1.47	0.00	100.00
		521 - 540	3.80	9.82	12.60	6.22	17.72	33.88	9.75	6.20	0.00	100.00
		541 - 560	2.15	1.23	4.36	7.72	19.99	21.06	6.99	24.77	11.73	100.00
		561 - 580	2.70	0.00	4.08	0.85	15.59	20.17	20.71	17.69	18.20	100.00
		581 - 600	2.52	0.00	1.37	4.77	11.02	55.65	11.00	10.76	2.91	100.00
		601 - 620	0.22	0.57	1.43	4.93	5.51	71.60	5.77	7.25	2.72	100.00
		621 - 650	0.62	0.22	1.18	1.88	7.71	72.96	4.38	9.22	1.82	100.00
		651 - 680	0.07	0.21	0.30	1.53	6.66	74.81	2.95	9.96	3.51	100.00
		681 - 700	0.75	0.00	1.62	0.41	3.98	78.44	6.16	4.43	4.21	100.00
		701 - 720	0.00	0.00	0.00	0.77	3.28	80.16	1.06	9.49	5.23	100.00
		721 - 740	0.00	0.00	4.90	1.25	2.26	76.33	5.88	3.34	6.04	100.00
		741 - 760	0.00	0.00	0.00	0.00	8.34	80.50	4.08	4.30	2.77	100.00
		761 - 780	1.79	0.00	0.00	0.00	3.95	62.25	13.85	14.02	4.13	100.00
		781 - 800	0.00	0.00	0.00	0.00	0.00	88.26	0.00	0.00	11.74	100.00
		801 >=	0.00	0.00	0.00	0.00	0.00	100.00	0.00	0.00	0.00	100.00
		Total:	0.77	0.53	1.62	2.48	7.31	68.72	6.02	8.78	3.76	100.00


CLTV/FICO Matrix			CLTV (including silent seconds)
FIXED	FICO		60-	60-65	65-70	70-75	75-80	80-85	85-90	90-95	95-100	100-105	105-110	110+	Total
		501 - 520	17.24	0.00	0.00	0.00	23.87	45.86	13.03	0.00	0.00	0.00	0.00	0.00	100.00
		521 - 540	31.49	0.00	0.00	7.72	0.00	40.18	20.61	0.00	0.00	0.00	0.00	0.00	100.00
		541 - 560	20.24	12.72	0.00	5.21	36.06	5.64	3.59	11.40	0.00	5.14	0.00	0.00	100.00
		561 - 580	13.04	0.00	24.51	3.76	21.72	9.22	0.00	4.79	3.14	19.81	0.00	0.00	100.00
		581 - 600	4.63	0.66	1.56	1.55	7.63	10.33	3.25	6.33	2.04	62.03	0.00	0.00	100.00
		601 - 620	1.60	1.68	3.57	2.49	6.57	6.80	3.78	6.82	7.77	58.92	0.00	0.00	100.00
		621 - 650	1.66	0.34	2.75	1.59	3.36	4.41	5.02	5.49	11.13	64.24	0.00	0.00	100.00
		651 - 680	1.76	1.44	0.00	2.07	3.37	5.80	2.46	8.11	2.93	72.06	0.00	0.00	100.00
		681 - 700	0.00	0.00	0.00	0.00	0.00	2.76	0.95	14.76	4.22	77.31	0.00	0.00	100.00
		701 - 720	0.00	0.00	0.00	0.00	0.00	3.14	5.72	0.74	14.17	76.23	0.00	0.00	100.00
		721 - 740	8.24	0.00	0.00	0.00	14.45	0.00	0.00	2.78	2.34	72.18	0.00	0.00	100.00
		741 - 760	0.00	0.00	11.28	0.00	0.00	0.00	18.15	7.90	0.00	62.67	0.00	0.00	100.00
		761 - 780	0.00	0.00	0.00	0.00	0.00	21.29	0.00	20.44	0.00	58.27	0.00	0.00	100.00
		781 - 800	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	100.00	0.00	0.00	100.00
		801 >=	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	28.24	71.76	0.00	0.00	100.00
		Total:	2.74	0.90	2.60	1.69	5.34	6.08	3.85	6.87	6.68	63.24	0.00	0.00	100.00
		481 - 500	0.00	27.04	27.04	5.85	18.38	21.68	0.00	0.00	0.00	0.00	0.00	0.00	100.00
		501 - 520	3.94	6.62	7.29	12.99	15.54	22.10	27.15	1.47	0.00	2.90	0.00	0.00	100.00
		521 - 540	3.80	9.82	12.60	6.22	17.72	29.76	9.75	6.20	4.12	0.00	0.00	0.00	100.00
		541 - 560	2.15	1.23	4.36	7.72	19.99	19.93	6.99	24.77	11.73	1.13	0.00	0.00	100.00
		561 - 580	2.70	0.00	4.08	0.85	15.59	16.02	20.71	19.13	20.33	0.59	0.00	0.00	100.00
		581 - 600	2.52	0.00	1.37	2.93	9.04	13.30	11.00	11.64	5.04	43.15	0.00	0.00	100.00
		601 - 620	0.22	0.57	0.00	2.37	3.89	9.72	5.77	10.19	10.17	57.09	0.00	0.00	100.00
		621 - 650	0.62	0.22	1.18	0.95	2.67	9.51	4.27	11.01	8.68	60.88	0.00	0.00	100.00
		651 - 680	0.07	0.21	0.30	1.25	3.30	4.76	2.95	12.47	7.54	67.15	0.00	0.00	100.00
		681 - 700	0.75	0.00	1.62	0.41	2.08	3.93	6.16	7.50	7.11	70.45	0.00	0.00	100.00
		701 - 720	0.00	0.00	0.00	0.00	1.02	6.33	1.61	11.43	12.04	67.58	0.00	0.00	100.00
		721 - 740	0.00	0.00	1.01	0.00	3.89	7.27	5.88	6.52	10.79	64.64	0.00	0.00	100.00
		741 - 760	0.00	0.00	0.00	0.00	2.49	2.46	4.08	11.69	2.59	76.68	0.00	0.00	100.00
		761 - 780	1.79	0.00	0.00	0.00	3.95	1.35	13.85	14.02	7.15	57.88	0.00	0.00	100.00
		781 - 800	0.00	0.00	0.00	0.00	0.00	7.12	0.00	0.00	11.74	81.14	0.00	0.00	100.00
		801 >=	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	37.81	62.19	0.00	0.00	100.00
		Total:	0.77	0.53	1.26	1.61	4.63	8.70	6.03	10.99	8.56	56.92	0.00	0.00	100.00





			IO
	FICO	500 - 520	0.16
		540 - 560	0.44
		561 - 580	0.11
		581- 600	4.15
		601 - 620	9.41
		621 - 650	19.25
		651 - 680	24.08
		681 - 700	16.60
		701 - 720	10.69
		721 - 740	6.83
		741 - 760	4.61
		761 - 780	2.42
		781 - 800	0.96
		801 >=	0.28
		Total:	100.00





DTI/FICO matrix
		DTI

Product	FICO range	<20	20-24.9	25-29.9	30-34.9	35-39.9	40-44.9	45-49.9	50-54.9	55-59.9	60+	TOTAL
Fixed	501 - 550	0.00	5.91	0.00	8.33	10.20	29.27	32.26	14.03	0.00	0.00	100.00
	551 - 575	1.10	8.19	4.97	13.01	17.48	21.55	26.33	7.38	0.00	0.00	100.00
	576 - 600	0.90	3.37	2.78	6.56	15.34	22.94	26.82	18.20	3.09	0.00	100.00
	601 - 620	2.63	2.25	2.64	10.33	14.02	25.49	26.02	14.09	2.51	0.00	100.00
	621 - 650	0.60	2.89	4.39	8.08	15.75	25.86	30.55	10.23	1.65	0.00	100.00
	651 - 680	2.77	1.44	5.05	8.23	15.68	26.29	32.67	6.09	1.77	0.00	100.00
	681 - 700	5.37	0.53	2.85	17.36	24.22	20.53	23.59	5.54	0.00	0.00	100.00
	701 - 750	6.44	1.59	0.80	3.97	11.72	29.52	33.81	12.15	0.00	0.00	100.00
	751 - 800	2.79	1.64	4.54	5.78	14.52	19.11	29.59	4.39	17.66	0.00	100.00
	801 >=	0.00	0.00	10.15	0.00	0.00	34.68	55.17	0.00	0.00	0.00	100.00
	Total:	2.37	2.41	3.43	8.81	15.50	25.31	29.21	11.03	1.93	0.00	100.00
ARM	301 - 500	0.00	0.00	32.85	21.73	27.04	9.74	8.65	0.00	0.00	0.00	100.00
	501 - 550	0.71	0.24	7.45	9.74	16.35	26.74	28.52	8.03	2.21	0.00	100.00
	551 - 575	6.02	5.15	2.42	16.75	4.31	28.50	27.96	6.99	1.90	0.00	100.00
	576 - 600	0.79	2.59	4.41	5.24	17.72	24.49	30.81	12.68	1.26	0.00	100.00
	601 - 620	4.02	2.28	4.23	10.10	18.07	24.03	26.24	10.41	0.61	0.00	100.00
	621 - 650	1.21	2.23	4.18	9.72	14.37	28.78	31.59	6.51	1.41	0.00	100.00
	651 - 680	3.23	1.78	4.35	9.68	16.74	30.11	25.03	8.55	0.53	0.00	100.00
	681 - 700	3.15	1.37	5.59	11.94	20.88	30.42	16.21	10.43	0.00	0.00	100.00
	701 - 750	2.38	2.62	4.67	7.98	17.56	28.65	28.45	6.65	1.04	0.00	100.00
	751 - 800	1.49	3.57	10.64	10.03	17.67	27.79	23.19	5.62	0.00	0.00	100.00
	801 >=	0.00	0.00	10.18	0.00	0.00	44.29	45.53	0.00	0.00	0.00	100.00
	Total:	2.44	2.21	4.80	9.63	16.47	28.04	27.08	8.39	0.93	0.00	100.00

	General Pool Statistics

Geographic distribution		Documentation		Rate type
State	%		%		%
Alabama	0.01	Full Documentation	33.07	Fixed	19.47
Arizona	1.52	Limited Documentation	17.17	ARM	80.53
California	61.86	Stated Documentation	49.76	Total	100.00
Colorado	0.29
Connecticut	0.80
Delaware	0.02
Florida	4.68	Occupancy Status		Borrower type
Georgia	0.45		%		%
Idaho	0.27	Investment	1.24	1st Lien	87.89
Illinois	1.97	Primary Residence	97.69	2nd lien	12.11
Indiana	0.08	Second	1.08	Total	100.00
Iowa	0.01
Kansas	0.03
Kentucky	0.10	Distribution by Property Type		Mortgage purpose
Louisiana	0.24		%		%
Maine	0.08	Condominium	9.24	Cashout Refinance	30.89
Maryland	3.29	Duplex	4.51	Purchase	67.35
Massachusetts	2.19	PUD project ( Attached)	2.62	Refinance	1.77
Michigan	0.25	PUD single family( Detached)	12.20
Minnesota	0.09	Single family detached	70.23
Mississippi	0.07	Single family 4 unit	0.58
Missouri	0.22	Triplex	0.62	Summary statistics
Montana	0.03	Total:	100.00
Nebraska	0.05			Number of loans	4190
Nevada	1.24			Total principal balance	915,323,727.94
New Hampshire	0.21			Average outstanding balance	218454.35
New Jersey	3.06			Largest outstanding balance	1310836.73
New Mexico	0.05	Repayment type		WA LTV	82.88
New York	5.97		%	LTV >90%	16.04
North Carolina	0.35	2/28 ARM	72.78	WA Remaining Term (Months)	334
Ohio	0.20	3/27 ARM	2.92	WA Seasoning (months)	3
Oklahoma	0.03	5/25 ARM	4.66	WA Credit Score	647
Oregon	0.31	Fixed	19.47	WA Net Mortgage Rate	6.64
Pennsylvania	0.61	6ML ARM	0.17	WA Neg Am limit	N/A
Rhode Island	0.17	Total:	100.00
South Carolina	0.14			Periodic Cap	%
Tennessee	0.25			0.000	19.47
Texas	2.76			0.500	0.02
Utah	0.13			1.000	80.19
Virginia	3.34			1.500	0.03
Washington	2.17			2.000	0.29
Wisconsin	0.17			Total:	100.00
Wyoming	0.00	Prepay penalty
Washington DC	0.24		%
Total:	100.00	None
		0	29.61	Conforming
		12	4.59		%
		24	57.50	Conforming	0.00
		36	8.29	Non conforming	100.00
		Total:	100.00

EX-99 4 jpmac2005wmc1sandelmanreques.htm EXHIBIT 99.1 COMPUTATIONAL MATERIALS Sandelman Partners

Sandelman Partners

	Data Requested
Deal Name
Principal Balance:	1,447,912,146.71
Originators (Over 5%)	WMC Mortgage Corporation
Orig1(%)
Orig2(%)
Orig3(%)
Servicers (Over 5%)	J.P. Morgan Chase Bank
Serv1(%)
Serv2(%)

MI (%)	N/A

Number of Loans	7,642
Avg Loan Balance	$189,468
FRM %	18.12%
ARM % (2yr/3yr/5yr)	81.88%

IO %	23.24%
Wtd Avg IO Term (IO loans only)	64
Wtd Avg FICO (IO loans)	670

Wtd Avg Current Mortgage Rate (%)	7.132%
Non-Zero Wtd Avg Margin (%)	6.326%
Wtd Avg Initial Cap (%)	2.985%
Wtd Avg Periodic Cap (%)	1.006%
1st Lien %	89.40%
2nd Lien%	10.60%

Non-Zero Wtd Avg FICO	643
FICO below 600 (inc. N/A)%	18.88%
% FICO below 550 (inc. N/A)%	4.92%

Wtd Avg Comb Orig LTV	82.42%
% LTV > 80	32.73%
% LTV > 90	15.67%
% LTV > 95	9.96%

Silent 2nds %	47.13%
CLTV including all silent 2nds (%)	91.60%

% Full Doc	37.96%
% Stated Doc	45.96%
% Limited Doc	16.08%

% Owner Occupied	95.00%

% Cashout Refinance	42.84%
% Purchase	54.59%
% Rate Term Refinance	2.57%

CA(%)	51.25%
FL(%)	5.64%
NY(%)	5.79%
IL(%)	2.97%

% Prepay Penalty	68.41%

Wtd Avg Std Orig Term (mths)	340
Wtd Avg Std Rem Term (mths)	336
WALA (mths)	3
Initial O/C	3.75%
Stepdown Target O/C	7.50%
O/C Floor (% of Orig)	0.50%

Sandelman Partners

0% Yield Stress Analysis - CDR & Cum Loss

Scenario 1	Scenario 2	Scenario 3
FWD Curve	FWD Curve +200	FWD Curve -200
50% Severity (1st Lien)	50% Severity (1st Lien)	50% Severity (1st Lien)
100% Severity (2nd liens)	100% Severity (2nd liens)	100% Severity (2nd liens)
6M lag	6M lag	6M lag
Triggers Fail	Triggers Fail	Triggers Fail
To Maturity	To Maturity	To Maturity
Pricing Speed	Pricing Speed	Pricing Speed

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Deal

Date

10/11/2005

Deal Size

1,447,912,146.71

Other DEAL INFO

Lead

J.P.Morgan Securities, Inc.

Originator[s]

WMC Mortgage Company

Servicer[s]

J.P.Morgan Chase Bank

Raters

S&P, Moody's, Fitch

POOL SUMMARY DATA

Agency Conforming

532,588,418.77

Non Conforming

915,323,727.94

Prefunding (if any)

No of Loans

7,642

Average Loan Size

$189,467.70

WAC

7.132

WA LTV

82.42

% First Lien

89.40

% Owner Occ

95.00

% Purchase

54.59

% Cash out

42.84

% Full Doc

37.96

% Reduced/Limited Doc

16.08

% Stated Income

45.96

% No docs

0.00

WA FICO

643

FICO Range

500-810

Mortgage Indices

Floating Rate Mortgages

81.88

Fixed Rate

18.12

2/28 Float

74.29

3/27 Float

3.31

5/25 Float

4.09

IO Mortgages

23.24

LOAN SIZE

% of pool

Ave FICO

Ave LTV

Loans < 100k

11.00

645

93.48

Loans < 75k

6.68

645

95.87

Loans > 350k

35.79

650

81.17

Loans > 500k

13.03

654

80.55

Loans > 750k

1.70

672

79.49

Income Strats

% of pool

Ave FICO

Ave LTV

DTI < 40%

39.38

645

81.91

DTI 40-45%

28.27

647

82.56

DTI 45-50%

26.34

639

82.91

DTI 50-55%

5.32

632

82.84

DTI > 55%

0.69

626

83.08

GEOGRAPHIC

California

51.25

648

81.89

Florida

5.64

632

83.09

Illinois

2.97

653

83.22

Michigan

0.47

635

83.88

Texas

2.76

634

82.77

Colorado

0.70

634

83.74

New York

5.79

650

81.95

New Jersey

3.41

645

81.73

Virginia

3.66

641

82.93

Washington

2.80

644

83.66

Mass

2.55

644

83.25

Property Type

Single family detached

70.16

640

82.28

PUD single family( Detached)

10.82

643

82.99

Condominium

9.20

654

83.20

Duplex

4.72

661

81.53

PUD project ( Attached)

3.41

651

83.88

Triplex

1.03

646

78.78

Single family 4 unit

0.66

657

80.47

FICO

% of pool

Ave FICO

Ave LTV

Fico < 600

18.88

566

79.75

Fico < 580

10.48

546

78.19

Fico < 560

6.92

534

77.41

500 - 524

2.38

512

75.92

525 - 549

2.53

537

75.72

550 - 574

4.56

562

80.26

575 - 599

9.40

589

81.57

600 - 624

18.87

613

82.49

625 - 649

19.23

637

83.00

650 - 674

16.01

662

83.32

675 - 699

11.72

686

83.49

700 - 724

7.49

711

83.63

725 - 749

4.41

736

82.52

750 - 774

2.24

761

82.88

775 - 799

0.99

784

83.11

800 - 824

0.16

805

78.14

LTV

% of pool

Ave FICO

Ave LTV

<=50

0.98

602

41.80

50.01-55

0.45

605

53.07

55.01-60

1.14

620

57.98

60.01-65

1.32

593

63.63

65.01-70

2.96

606

68.66

70.01-75

5.91

619

74.32

75.01-80

54.51

653

79.87

80.01-85

6.56

616

84.40

85.01-90

10.50

636

89.57

90.01-95

5.71

642

94.66

95.01-100

9.96

655

99.95

> 100%

0.00

N/A

N/A

> 80%

32.73

639

92.58

> 90%

15.67

650

98.02

Average Seasoning

3 months

% > 3 months

25.10

639

82.38

mortgage insurance if any

N/A

MI providers

N/A

excess spread - ave 1st yr

2%

DELINQUENCIES

30-59 day past

N/A

-----END PRIVACY-ENHANCED MESSAGE-----

Deal
Date	10/11/2005
Deal Size	1,447,912,146.71
Other DEAL INFO
Lead	J.P.Morgan Securities, Inc.
Originator[s]	WMC Mortgage Company
Servicer[s]	J.P.Morgan Chase Bank
Raters	S&P, Moody's, Fitch
POOL SUMMARY DATA
Agency Conforming	532,588,418.77
Non Conforming	915,323,727.94
Prefunding (if any)
No of Loans	7,642
Average Loan Size	$189,467.70
WAC	7.132
WA LTV	82.42
% First Lien	89.40
% Owner Occ	95.00
% Purchase	54.59
% Cash out	42.84
% Full Doc	37.96
% Reduced/Limited Doc	16.08
% Stated Income	45.96
% No docs	0.00
WA FICO	643
FICO Range	500-810
Mortgage Indices
Floating Rate Mortgages	81.88
Fixed Rate	18.12
2/28 Float	74.29
3/27 Float	3.31
5/25 Float	4.09
IO Mortgages	23.24
LOAN SIZE	% of pool	Ave FICO	Ave LTV
Loans < 100k	11.00	645	93.48
Loans < 75k	6.68	645	95.87
Loans > 350k	35.79	650	81.17
Loans > 500k	13.03	654	80.55
Loans > 750k	1.70	672	79.49
Income Strats	% of pool	Ave FICO	Ave LTV
DTI < 40%	39.38	645	81.91
DTI 40-45%	28.27	647	82.56
DTI 45-50%	26.34	639	82.91
DTI 50-55%	5.32	632	82.84
DTI > 55%	0.69	626	83.08
GEOGRAPHIC
California	51.25	648	81.89
Florida	5.64	632	83.09
Illinois	2.97	653	83.22
Michigan	0.47	635	83.88
Texas	2.76	634	82.77
Colorado	0.70	634	83.74
New York	5.79	650	81.95
New Jersey	3.41	645	81.73
Virginia	3.66	641	82.93
Washington	2.80	644	83.66
Mass	2.55	644	83.25
Property Type
Single family detached	70.16	640	82.28
PUD single family( Detached)	10.82	643	82.99
Condominium	9.20	654	83.20
Duplex	4.72	661	81.53
PUD project ( Attached)	3.41	651	83.88
Triplex	1.03	646	78.78
Single family 4 unit	0.66	657	80.47
FICO	% of pool	Ave FICO	Ave LTV
Fico < 600	18.88	566	79.75
Fico < 580	10.48	546	78.19
Fico < 560	6.92	534	77.41
500 - 524	2.38	512	75.92
525 - 549	2.53	537	75.72
550 - 574	4.56	562	80.26
575 - 599	9.40	589	81.57
600 - 624	18.87	613	82.49
625 - 649	19.23	637	83.00
650 - 674	16.01	662	83.32
675 - 699	11.72	686	83.49
700 - 724	7.49	711	83.63
725 - 749	4.41	736	82.52
750 - 774	2.24	761	82.88
775 - 799	0.99	784	83.11
800 - 824	0.16	805	78.14
LTV	% of pool	Ave FICO	Ave LTV
<=50	0.98	602	41.80
50.01-55	0.45	605	53.07
55.01-60	1.14	620	57.98
60.01-65	1.32	593	63.63
65.01-70	2.96	606	68.66
70.01-75	5.91	619	74.32
75.01-80	54.51	653	79.87
80.01-85	6.56	616	84.40
85.01-90	10.50	636	89.57
90.01-95	5.71	642	94.66
95.01-100	9.96	655	99.95
> 100%	0.00	N/A	N/A
> 80%	32.73	639	92.58
> 90%	15.67	650	98.02

Average Seasoning	3 months
% > 3 months	25.10	639	82.38
mortgage insurance if any	N/A
MI providers	N/A
excess spread - ave 1st yr	2%
DELINQUENCIES
30-59 day past	N/A