-----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, ORvDkFSzczkMGiyAz8tcILsELv5pU7QSRMCSrGFpURs35m4TI3BWraXrvnQaqDpY 6rM7NM2kpy5LD0NE746ndg== 0000950137-07-005889.txt : 20070424 0000950137-07-005889.hdr.sgml : 20070424 20070423190329 ACCESSION NUMBER: 0000950137-07-005889 CONFORMED SUBMISSION TYPE: FWP PUBLIC DOCUMENT COUNT: 2 FILED AS OF DATE: 20070424 SUBJECT COMPANY: COMPANY DATA: COMPANY CONFORMED NAME: Origen Manufactured Housing Contract Trust 2007-A CENTRAL INDEX KEY: 0001395227 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: FWP SEC ACT: 1934 Act SEC FILE NUMBER: 333-117573-05 FILM NUMBER: 07782715 BUSINESS ADDRESS: STREET 1: 27777 SOUTH FRANKLIN ROAD STREET 2: SUITE 1700 CITY: SOUTHFIELD STATE: MI ZIP: 48034 BUSINESS PHONE: (313) 746-7000 MAIL ADDRESS: STREET 1: 27777 SOUTH FRANKLIN ROAD STREET 2: SUITE 1700 CITY: SOUTHFIELD STATE: MI ZIP: 48034 FILED BY: COMPANY DATA: COMPANY CONFORMED NAME: Origen Residential Securities, Inc. CENTRAL INDEX KEY: 0001297892 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 201370314 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: FWP BUSINESS ADDRESS: STREET 1: 27777 SOUTH FRANKLIN ROAD STREET 2: SUITE 1700 CITY: SOUTHFIELD STATE: MI ZIP: 48034 BUSINESS PHONE: (313) 746-7000 MAIL ADDRESS: STREET 1: 27777 SOUTH FRANKLIN ROAD STREET 2: SUITE 1700 CITY: SOUTHFIELD STATE: MI ZIP: 48034 FWP 1 k14435fpfwp.htm FREE WRITING PROSPECTUS fwp
 

Free Writing Prospectus
Filed Pursuant to Rule 433
Registration Number 333-117573
(ORIGEN LOGO)
Origen Manufactured Housing Contract Trust 2007-A
Issuing Entity
Origen Residential Securities, Inc.
Depositor
Origen Financial L.L.C.
Sponsor, Originator and Servicer
Origen Servicing, Inc
Subservicer
Origen Securitization Company, LLC
Seller
Origen Manufactured Housing Contract Trust Collateralized Notes, Series 2007-A, Class A-1
Subject to Revision
April 23, 2007
Citigroup Global Markets Inc. (“CGM”) is not acting as your advisor or agent. Prior to entering into any transaction, you should determine, without reliance upon CGM or its affiliates, the economic risks and merits, as well as the legal, tax and accounting characterizations and consequences of the transaction, and independently determine that you are able to assume these risks. CGM is not in the business of providing legal, tax or accounting advice, (b) there may be legal, tax or accounting risks associated with the transaction, (c) you should receive legal, tax and accounting advice from advisors with appropriate expertise to assess relevant risks, and (d) you should apprise senior management in your organization as to the legal, tax and accounting advice (and, if applicable, risks) associated with this transaction and CGM’s disclaimers as to these matters.

1

 

IMPORTANT NOTICE REGARDING THE CONDITIONS
FOR THIS OFFERING OF COLLATERALIZED NOTES
The issuer has filed a registration statement (including a prospectus) with the SEC for the offering to which this free writing prospectus relates. Before you invest, you should read the prospectus in that registration statement and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, the depositor, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by calling toll-free 1-877-858-5407.
This free writing prospectus does not contain all information that is required to be included in the base prospectus and the prospectus supplement.
The information in this free writing prospectus is preliminary and is subject to completion or change.
The information in this free writing prospectus, if conveyed prior to the time of your commitment to purchase, supersedes similar information contained in any prior free writing prospectus relating to these securities.
This free writing prospectus does not constitute an offer to sell or a solicitation of an offer to buy these securities in any state where such offer, solicitation or sale is not permitted.
The securities referred to in this free writing prospectus are being offered when, as and if issued. The issuer is not obligated to issue such securities or any similar security and our obligation to deliver such security is subject to the terms and conditions of our underwriting agreement with the issuer and the availability of such security when, as and if issued by the issuer. You are advised that the terms of the securities, and the characteristics of the asset pool backing them, may change (due, among other things, to the possibility that assets comprising the pool may become delinquent or defaulted or may be removed or replaced and that similar or different assets may be added to the pool, and that one or more classes or securities may be split, combined or eliminated), at any time prior to issuance or availability of a final prospectus. You are advised that securities may not be issued that have the characteristics described in this free writing prospectus. Our obligation to sell securities to you is conditioned on the assets and securities having the characteristics described in this free writing prospectus. If for any reason we do not deliver such securities, we will notify you, and neither the issuer nor any underwriter will have any obligation to you to deliver all or any portion of the securities which you have committed to purchase, and none of the issuer nor any underwriter will be liable for any costs or damages whatsoever arising from or related to such non-delivery.
IMPORTANT NOTICE RELATING TO AUTOMATICALLY GENERATED EMAIL DISCLAIMERS
Any legends, disclaimers or other notices that may appear with this communication to which this free writing prospectus is attached relating to:
(1) these materials not constituting an offer (or a solicitation of an offer),
(2) no representation that these materials are accurate or complete and may not be updated, or
(3) these materials possibly being confidential
are not applicable to these materials and should be disregarded. Such legends, disclaimers or other notices have been automatically generated as a result of these materials having been sent via Bloomberg or another system.

2

 

The Contract Pool
The following tables and statistics relate to a representative pool of contracts as of April 1, 2007.
     
Summary of Contracts
    
Statistical Cut-Off Date:
  April 1, 2007
Number of Initial Contracts:
  3,400 
Aggregate Principal Balance:
  $200,423,695.60 
States with more than 5% of the contracts, by principal balance:
  California: 54.20%
Percentage of New / Percentage of Used:
  44.09% / 55.91% 
Weighted Average Original LTV (1):
  81.99% 
Original LTV Ratio Range (1):
  9.11% to 100.00%
Weighted Average Original LTI (2):
  120.36% 
Current Principal Balance Range:
  $6,765.16 to $384,653.73
Average Current Principal Balance:
  $58,948.15 
Contract Rates Range:
  5.500% to 14.500% 
Weighted Average Contract Rate:
  9.409% 
Weighted Average Remaining Term to Stated Maturity:
  225 months
Remaining Term to Stated Maturity Range:
  47 months to 360 months
Weighted Average Original Months to Maturity:
  230 months
Original Months to Maturity Range:
  55 months to 360 months
Latest Maturity Date:
  April 1, 2037
Weighted Average Credit Score (3) :
  726 
 
(1)   Weighted average and range for which loan-to-value ratios were calculated.
 
(2)   Weighted average for which loan-to-invoice ratios were calculated and are greater than zero.
 
(3)   Where credit scores are available.

3

 

Geographical Distribution of Contract Obligors
                         
                    % of Contract Pool  
    Number of     Aggregate Principal     by Outstanding  
    Contracts as of     Balance Outstanding     Principal Balance as  
    Statistical     as of Statistical     of Statistical  
Geographic Distribution   Calculation Date     Calculation Date     Calculation Date  
California
     1,276     $ 108,634,189.31       54.20 %
Arizona
     141       8,829,543.42       4.41  
Texas
     193       7,789,114.60       3.89  
Florida
     156       7,766,473.14       3.88  
New York
     150       6,341,581.82       3.16  
Oregon
     136       6,002,573.96       2.99  
Mississippi
     104       4,516,609.77       2.25  
Washington
     85       4,336,793.65       2.16  
Michigan
     129       3,836,384.79       1.91  
South Carolina
     80       3,214,871.22       1.60  
Georgia
     70       3,076,439.14       1.53  
Alabama
     72       2,918,685.15       1.46  
Louisiana
     63       2,701,026.12       1.35  
Minnesota
     64       2,333,769.21       1.16  
Oklahoma
     54       2,177,519.57       1.09  
Pennsylvania
     53       2,050,136.26       1.02  
Colorado
     50       2,031,646.22       1.01  
New Mexico
     36       1,730,565.38       0.86  
Arkansas
     40       1,672,658.75       0.83  
Nevada
     26       1,559,697.54       0.78  
Montana
     27       1,466,583.97       0.73  
North Carolina
     40       1,419,833.80       0.71  
Missouri
     36       1,383,093.94       0.69  
Virginia
     24       1,284,920.98       0.64  
Tennessee
     21       1,096,000.33       0.55  
Kansas
     30       1,039,834.54       0.52  
Wyoming
     20       996,733.10       0.50  
West Virginia
     23       966,153.31       0.48  
Indiana
     27       960,175.78       0.48  
Kentucky
     25       912,818.02       0.46  
Ohio
     30       867,448.29       0.43  
Utah
     23       768,156.25       0.38  
Idaho
     17       619,086.75       0.31  
Maryland
     11       529,580.12       0.26  
Iowa
     15       449,295.24       0.22  
Illinois
     12       436,041.39       0.22  
Wisconsin
     11       430,971.15       0.22  
South Dakota
     8       429,540.45       0.21  
Delaware
     10       318,840.24       0.16  
Maine
     2       165,695.50       0.08  
Vermont
     4       142,370.66       0.07  
New Hampshire
     2       75,296.53       0.04  
North Dakota
     1       53,269.14       0.03  
Nebraska
     2       48,649.18       0.02  
New Jersey
     1       43,027.93       0.02  
Total
     3,400     $ 200,423,695.60       100.00 %
 
                  

4

 

Year of Origination of Contracts
                         
                    % of Contract Pool  
            Aggregate Principal     by Outstanding  
    Number of Contracts     Balance Outstanding     Principal Balance  
    as of Statistical     as of Statistical     as of Statistical  
Year of Origination   Calculation Date     Calculation Date     Calculation Date  
1998
     4     $ 121,915.34       0.06 %
1999
     36       1,318,484.49       0.66  
2000
     1       29,474.84       0.01  
2002
     5       158,729.68       0.08  
2003
     1       28,634.39       0.01  
2004
     3       155,210.92       0.08  
2005
     8       956,597.28       0.48  
2006
     2,145       127,499,818.44       63.62  
2007
     1,197       70,154,830.22       35.00  
Total
     3,400     $ 200,423,695.60       100.00 %
 
                  
Distribution of Original Contract Amounts
                         
                    % of Contract Pool  
            Aggregate Principal     by Outstanding  
    Number of Contracts     Balance Outstanding     Principal Balance  
Range of Original Contract   as of Statistical     as of Statistical     as of Statistical  
Amounts (in Dollars)   Calculation Date     Calculation Date     Calculation Date  
Less than $10,000.01
     17     $ 143,852.24       0.07 %
$10,000.01 to $20,000.00
     292       4,567,800.11       2.28  
$20,000.01 to $30,000.00
     470       11,574,004.01       5.77  
$30,000.01 to $40,000.00
     543       18,745,070.56       9.35  
$40,000.01 to $50,000.00
     482       21,435,927.60       10.70  
$50,000.01 to $60,000.00
     336       18,298,494.45       9.13  
$60,000.01 to $70,000.00
     272       17,481,986.76       8.72  
$70,000.01 to $80,000.00
     224       16,699,578.27       8.33  
$80,000.01 to $90,000.00
     161       13,538,701.69       6.76  
$90,000.01 to $100,000.00
     117       10,988,525.42       5.48  
$100,000.01 to $110,000.00
     103       10,573,035.98       5.28  
$110,000.01 to $120,000.00
     91       10,413,550.88       5.20  
$120,000.01 to $130,000.00
     64       7,986,547.73       3.98  
$130,000.01 to $140,000.00
     49       6,580,812.27       3.28  
$140,000.01 to $150,000.00
     45       6,501,468.30       3.24  
$150,000.01 to $160,000.00
     39       5,991,934.31       2.99  
$160,000.01 or greater
     95       18,902,405.02       9.43  
Total
     3,400     $ 200,423,695.60       100.00 %
 
                  
     The largest original contract amount is $388,413.00, which represents 0.19% of the aggregate principal balance of the contracts as of the statistical calculation date.

5

 

Distribution of Remaining Amounts for Contracts
                         
                    % of Contract Pool  
            Aggregate Principal     by Outstanding  
    Number of Contracts     Balance Outstanding     Principal Balance  
Range of Remaining Contract   as of Statistical     as of Statistical     as of Statistical  
Amounts (in Dollars)   Calculation Date     Calculation Date     Calculation Date  
Less than $10,000.01
     20     $ 172,801.68       0.09 %
$10,000.01 to $20,000.00
     308       4,884,692.51       2.44  
$20,000.01 to $30,000.00
     482       12,101,093.17       6.04  
$30,000.01 to $40,000.00
     537       18,814,628.14       9.39  
$40,000.01 to $50,000.00
     479       21,526,665.15       10.74  
$50,000.01 to $60,000.00
     332       18,270,682.98       9.12  
$60,000.01 to $70,000.00
     262       16,979,881.63       8.47  
$70,000.01 to $80,000.00
     227       17,020,145.94       8.49  
$80,000.01 to $90,000.00
     163       13,813,596.05       6.89  
$90,000.01 to $100,000.00
     115       10,900,158.34       5.44  
$100,000.01 to $110,000.00
     96       10,001,063.20       4.99  
$110,000.01 to $120,000.00
     93       10,693,385.38       5.34  
$120,000.01 to $130,000.00
     62       7,782,984.02       3.88  
$130,000.01 to $140,000.00
     48       6,483,867.64       3.24  
$140,000.01 to $150,000.00
     45       6,523,542.08       3.25  
$150,000.01 to $160,000.00
     37       5,708,530.68       2.85  
$160,000.01 or greater
     94       18,745,977.02       9.35  
Total
     3,400     $ 200,423,695.60       100.00 %
 
                  
The average outstanding principal balance of the contracts included in the statistical pool, as of the statistical calculation date, was 58,948.15 and the outstanding principal balances of the contracts included in the statistical pool ranged from $6,765.16 to $384,653.73 as of the statistical calculation date.

6

 

Distribution of Original Loan-to-Value Ratios of Contracts
                         
                    % of Contract Pool  
    Number of     Aggregate Principal     by Outstanding  
    Contracts as of     Balance Outstanding     Principal Balances  
    Statistical     as of Statistical     of Statistical  
Range of Original Loan-to-Value Ratios   Calculation Date     Calculation Date     Calculation Date  
Not Calculated(1)
     277     $ 12,057,379.65       6.02 %
5.01% to 10.00%
     3       142,153.23       0.07  
10.01% to 15.00%
     1       24,560.26       0.01  
15.01% to 20.00%
     8       206,381.91       0.10  
20.01% to 25.00%
     11       320,638.58       0.16  
25.01% to 30.00%
     18       741,995.19       0.37  
30.01% to 35.00%
     21       752,649.31       0.38  
35.01% to 40.00%
     40       1,480,596.29       0.74  
40.01% to 45.00%
     48       2,231,954.03       1.11  
45.01% to 50.00%
     52       2,981,369.39       1.49  
50.01% to 55.00%
     69       3,543,197.78       1.77  
55.01% to 60.00%
     93       5,099,597.02       2.54  
60.01% to 65.00%
     132       7,429,756.90       3.71  
65.01% to 70.00%
     95       6,985,358.07       3.49  
70.01% to 75.00%
     143       8,611,760.24       4.30  
75.01% to 80.00%
     237       18,717,091.60       9.34  
80.01% to 85.00%
     420       24,851,884.23       12.40  
85.01% to 90.00%
     624       34,410,194.28       17.17  
90.01% to 95.00%
     843       55,847,700.85       27.86  
95.01% to 100.00%
     265       13,987,476.80       6.98  
Total
     3,400     $ 200,423,695.60       100.00 %
 
                  
 
(1)   Loan-to-value ratios are not calculated for chattel-only contracts originated as part of rate and term refinancings.
The weighted average original loan-to-value ratio of the contracts included in the statistical pool, for which loan-to-value ratios were calculated, as of the statistical calculation date, was 81.99%.

7

 

Distribution of Original Loan-to-Invoice Ratios of Contracts
                         
                    % of Contract Pool  
            Aggregate Principal     by Outstanding  
    Number of Contracts     Balance Outstanding     Principal Balance  
    as of Statistical     as of Statistical     as of Statistical  
Range of Original Loan-to-Invoice Ratios   Calculation Date     Calculation Date     Calculation Date  
Not Calculated(1)
     1,343     $ 114,228,370.89       56.99 %
0.00% to 0.00%
     1       52,079.17       0.03  
0.01% to 25.00%
     5       123,815.19       0.06  
25.01% to 50.00%
     63       1,363,541.30       0.68  
50.01% to 75.00%
     231       6,269,034.91       3.13  
75.01% to 100.00%
     664       21,751,070.60       10.85  
100.01% to 110.00%
     152       5,635,649.36       2.81  
110.01% to 120.00%
     143       6,450,597.97       3.22  
120.01% to 130.00%
     180       9,127,540.63       4.55  
130.01% to 140.00%
     191       10,054,006.14       5.02  
140.01% to 150.00%
     137       8,057,247.28       4.02  
150.01% to 160.00%
     119       6,900,884.00       3.44  
160.01% to 170.00%
     82       5,233,121.92       2.61  
170.01% to 180.00%
     44       2,635,722.90       1.32  
180.01% to 190.00%
     18       1,145,651.66       0.57  
190.01% to 200.00%
     15       812,518.87       0.41  
200.01% to 210.00%
     5       283,176.24       0.14  
220.01% or greater
     7       299,666.58       0.15  
Total
     3,400     $ 200,423,695.60       100.00 %
 
                  
 
(1)   Contracts for which loan-to-invoice ratios are not calculated consist of contracts, for which the loan amounts are determined based on appraisals, including land home contracts and contracts originated under the Comparable Appraisal Program.
The weighted average original ratio of loan amounts to manufacturer’s invoice price for the related manufactured homes, for the contracts included in the statistical pool for which loan-to-invoice ratios were calculated and are greater than zero, as of the statistical calculation date, was 120.36%.

8

 

Current Contract Rate for Contracts
                         
            Aggregate Principal     % of Contract Pool by  
    Number of Contracts as of     Balance Outstanding as of     Outstanding Principal  
    Statistical Calculation     Statistical Calculation     Balance as of Statistical  
Range of Contract Rates   Date     Date     Calculation Date  
5.000% to 5.999%
     2     $ 288,797.76       0.14 %
6.000% to 6.999%
     30       3,431,334.12       1.71  
7.000% to 7.999%
     112       9,378,041.50       4.68  
8.000% to 8.999%
     747       52,849,072.94       26.37  
9.000% to 9.999%
     1,209       75,664,727.54       37.75  
10.000% to 10.999%
     820       41,225,689.24       20.57  
11.000% to 11.999%
     366       13,799,810.64       6.89  
12.000% to 12.999%
     97       3,317,899.36       1.66  
13.000% to 13.999%
     16       434,067.96       0.22  
14.000% to 14.999%
     1       34,254.55       0.02  
Total
     3,400     $ 200,423,695.60       100.00 %
 
                  
The contract rate on the contracts included in the statistical pool ranged from 5.500% to 14.500% with a weighted average of approximately 9.409%.
Original Months to Maturity of Contracts
                         
                    % of Contract Pool  
            Aggregate Principal     by Outstanding  
    Number of Contracts     Balance Outstanding     Principal Balance  
Range of Original Months   as of Statistical     as of Statistical     as of Statistical  
to Maturity   Calculation Date     Calculation Date     Calculation Date  
55 to 60
     7     $ 64,487.36       0.03 %
61 to 90
     40       669,867.10       0.33  
91 to 120
     239       5,954,476.06       2.97  
121 to 150
     87       2,958,372.52       1.48  
151 to 180
     825       28,771,085.12       14.36  
181 to 210
     338       24,478,849.91       12.21  
211 to 240
     1,644       115,158,267.40       57.46  
241 to 270
     22       2,289,111.11       1.14  
271 to 300
     47       3,088,921.61       1.54  
331 to 360
     151       16,990,257.41       8.48  
Total
     3,400     $ 200,423,695.60       100.00 %
 
                  

9

 

Remaining Months to Maturity of Contracts
                         
                    % of Contract Pool  
            Aggregate Principal     by Outstanding  
    Number of Contracts     Balance Outstanding     Principal Balance  
Range of Remaining Months   as of Statistical     as of Statistical     as of Statistical  
to Maturity   Calculation Date     Calculation Date     Calculation Date  
31 to 60
     9     $ 105,341.42       0.05 %
61 to 90
     49       903,787.59       0.45  
91 to 120
     235       5,918,512.65       2.95  
121 to 150
     154       5,675,444.57       2.83  
151 to 180
     807       28,775,574.69       14.36  
181 to 210
     307       22,506,802.83       11.23  
211 to 240
     1,651       116,026,541.58       57.89  
241 to 270
     13       1,335,557.75       0.67  
271 to 300
     33       2,570,574.62       1.28  
301 to 330
     4       196,642.21       0.10  
331 to 360
     138       16,408,915.69       8.19  
Total
     3,400     $ 200,423,695.60       100.00 %
 
                  
The contracts included in the statistical pool have remaining maturities, as of the statistical calculation date, of at least 47 months but not more than 360 months and original maturities of at least 55 months but not more than 360 months, and a weighted average remaining term to scheduled maturity, as of the statistical calculation date, of 225 months.
Unit Type
                         
                    % of Contract Pool  
            Aggregate Principal     by Outstanding  
    Number of Contracts     Balance Outstanding     Principal Balance  
    as of Statistical     as of Statistical     as of Statistical  
Unit Type   Calculation Date     Calculation Date     Calculation Date  
Multi-section home
     2,651     $ 178,326,595.05       88.97 %
Single-section home
     749       22,097,100.56       11.03  
Total
     3,400     $ 200,423,695.60       100.00 %
 
                  
Property Type
                         
                    % of Contract Pool  
            Aggregate Principal     by Outstanding  
    Number of Contracts     Balance Outstanding     Principal Balance  
    as of Statistical     as of Statistical     as of Statistical  
Property Type   Calculation Date     Calculation Date     Calculation Date  
Community
     2,242     $ 139,119,796.76       69.41 %
Lease
     375       15,381,764.05       7.67  
Owned Land
     750       44,610,214.94       22.26  
Park
     23       721,718.27       0.36  
Relative Land
     4       148,080.96       0.07  
Other
     6       442,120.62       0.22  
Total
     3,400     $ 200,423,695.60       100.00 %
 
                  

10

 

Loan Purpose
             
            % of Contract Pool
        Aggregate Principal   by Outstanding
    Number of Contracts   Balance Outstanding   Principal Balance
    as of Statistical   as of Statistical   as of Statistical
Loan Purpose   Calculation Date   Calculation Date   Calculation Date
Purchase of New Home
   1,216   $86,501,149.47   43.16%
Purchase of Repossessed Home
   56   2,417,145.70   1.21
Purchase of Used Home
   1,762   88,924,818.46   44.37
Refinance
   366   22,580,581.97   11.27
Total
   3,400   $200,423,695.60   100.00%
 
      
Credit Score of Contracts
             
            % of Contract Pool
        Aggregate Principal   by Outstanding
    Number of Contracts   Balance Outstanding   Principal Balance
    as of Statistical   as of Statistical   as of Statistical
Range of Credit Scores   Calculation Date   Calculation Date   Calculation Date
N/A
   29   $1,048,052.13   0.52%
501 - 550
   17   540,753.88   0.27
551 - 600
   75   2,832,568.89   1.41
601 - 650
   329   16,517,316.90   8.24
651 - 700
   826   47,180,298.16   23.54
701 - 750
   934   57,575,747.63   28.73
751 - 800
   879   55,255,299.51   27.57
801 - 844
   311   19,473,658.51   9.72
Total
   3,400   $200,423,695.60   100.00%
 
      
The contracts included in the statistical pool for which credit scores are available have a weighted average credit score of 726.

11

 

Contact Information
Citigroup
390 Greenwich Street
6th Floor
New York, NY 10013
         
 
Name   Office    
 
Mortgage Trading
        
 
Steve Weinstein
Director
  Tel:
Fax:
Email: 		  (212) 723-6325
(212) 723-8855
Stephen.c.weinstein@citigroup.com
 
        
 
Supriya Bajoria
Analyst
  Tel:
Fax:
Email: 		  (212) 723-6325
(212) 723-8855
Supriya.bajoria@citigroup.com
 
        
 
Mortgage Banking
        
 
        
 
Paul Humphrey
Director
  Tel:
Fax:
Email: 		  (212) 723-9548
(212) 723-8603
Paul.g.humphrey@citigroup.com
 
        
 
Michael Murai
Associate
  Tel:
Fax:
Email: 		  (212) 723-1256
(212) 723-8603
Michael.murai@citigroup.com
 
        
 
Juliana Castelli
Analyst
  Tel:
Fax:
Email: 		  (212) 723-6503
(212) 723-8603
Juliana.castelli@citigroup.com
 
        
 
Mortgage Analytics
        
 
        
 
Shekhar Shah
Director (structure)
  Tel:
Fax:
Email: 		  (212) 723-9026
(212) 723-8603
Shekhar.shah@citigroup.com
 
        
 
Noel Doromal
Associate (structure)
  Tel:
Fax:
Email: 		  (212) 723-4589
(212) 723-8603
Noel.doromal@citigroup.com
 
        
 
Jerome Langella
Analyst (collateral)
  Tel:
Fax:
Email: 		  (212) 723-6621
(212) 723-8603
Jerome.langella@citigroup.com
 
        
 

12

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