EX-99.6 8 efc3-0265_exhibit996.txt Exhibit 99.6 Vanderbilt Mortgage Finance, Inc. Senior/Subordinated Pass-Through Certificates, Series 2003-A ------------------------------------------------------------
FICO scores as of Origination Aggregate Principal Number of Contracts Balance Outstanding Percent Beacon Range as of Cut-off Date as of Cut-off Date of Total Balance ------------ ------------------- ------------------- ---------------- 400 - 409 2 121,510.19 0.04% 410 - 419 6 283,654.31 0.10 420 - 429 6 177,011.56 0.06 430 - 439 16 555,985.74 0.19 440 - 449 21 810,829.44 0.28 450 - 459 28 884,129.83 0.30 460 - 469 58 2,082,911.53 0.72 470 - 479 66 2,329,542.02 0.80 480 - 489 88 3,292,363.64 1.14 490 - 499 96 3,343,382.39 1.15 500 - 509 100 3,742,074.64 1.29 510 - 519 107 3,544,651.29 1.22 520 - 529 127 4,752,348.13 1.64 530 - 539 144 5,367,850.78 1.85 540 - 549 152 5,853,585.11 2.02 550 - 559 145 5,800,349.53 2.00 560 - 569 168 6,658,839.13 2.30 570 - 579 196 8,140,582.67 2.81 580 - 589 167 6,667,412.14 2.30 590 - 599 205 8,179,824.46 2.82 600 - 609 234 9,926,365.01 3.42 610 - 619 249 10,721,713.91 3.70 620 - 629 267 11,596,798.73 4.00 630 - 639 253 10,784,463.57 3.72 640 - 649 282 11,743,663.10 4.05 650 - 659 269 12,346,912.68 4.26 660 - 669 252 10,802,622.55 3.73 670 - 679 288 12,416,958.04 4.28 680 - 689 234 10,302,963.58 3.55 690 - 699 238 10,048,891.80 3.47 700 - 709 213 9,795,635.79 3.38 710 - 719 170 7,203,840.27 2.48 720 - 729 166 7,276,047.66 2.51 730 - 739 157 6,796,863.56 2.34 740 - 749 157 7,390,910.83 2.55 750 - 759 131 5,896,541.96 2.03 760 - 769 143 6,424,493.59 2.22 770 - 779 144 7,027,447.42 2.42 780 - 789 109 5,310,177.67 1.83 790 - 799 89 4,016,194.32 1.39 800 - 809 69 3,290,794.04 1.13 810 - 819 38 1,718,231.07 0.59 820 - 829 14 522,399.64 0.18 830 - 839 2 52,162.21 0.02 840 - 849 1 46,760.00 0.02 NA 1,017 33,901,830.67 11.69 ----- -------------- ------ Totals 7,084 289,950,522.20 100.00%
The weighted average FICO Score as of origination is 647. BEAR STEARNS 1 Recipients of these Computational Materials must read and acknowledge the attached document "STATEMENT REGARDING ASSUMPTIONS AS TO SECURITIES, PRICING ESTIMATES, AND OTHER INFORMATION" before using or relying on the information contained herein. In addition, recipients of these Computational Materials may only use or rely on the information contained herein if read in conjunction with the related Prospectus and Prospectus Supplement. If you have not received the statement described above or the related Prospectus and Prospectus Supplement, please contact your account executive at Bear, Stearns & Co. Inc. Description of Repo Loans: Total Collateral: $43,552,789.62 Cut off Date of Tape: 1/24/03 Number of loans: 1,480 Avg. Principal Balance: $29,427.56 Min. Principal Balance: $4,807.93 Max. Principal Balance: $90,835.04 Weighted Average Gross Coupon: 11.048% Gross Coupon Range: 6.240% - 16.00% Weighted Average Stated Rem. Term (PTD to Mat Date): 160 Stated Rem Term Range: 24 - 360 Weighted Average Age: 2 Weighted Average Original Term 162 Original Term Range: 24 - 360 State Concentrations (>5.00%): Texas 23.84% North Carolina 15.80% Tennessee 13.51% South Carolina 10.37% Kentucky 6.01% Florida 5.25% Singlewide 58.96% Doublewide 41.04% WA FICO 571 WA DTI 29.61% Vanderbilt-Originated 81.72% 21st Mortgage-Originated 18.28% Conseco-Originated 0.00% 2 Description of Conseco Loans: Total Collateral: $29,088,092.17 Cut off Date of Tape: 1/24/03 Number of loans: 683 Avg. Principal Balance: $42,588.71 Min. Principal Balance: $8,727.05 Max. Principal Balance: $151,309.45 Weighted Average Gross Coupon: 13.025% Gross Coupon Range: 7.000% - 18.250% Weighted Average Stated Rem. Term (PTD to Mat Date): 324 Stated Rem Term Range: 78 - 359 Weighted Average Age: 5 Weighted Average Original Term 328 Original Term Range: 84 - 360 State Concentrations (>5.00%): California 8.68% Michigan 8.62% South Carolina 8.15% Texas 6.62% New: 94.76% Used: 5.24% New/Double 59.24% New Single 35.52% Used/Double 4.15% Used/Single 1.09% WA FICO 654 WA DTI 39.03% 3 Description of 21st Century Loans: Total Collateral: $47,131,475.95 Cut off Date of Tape: 1/24/03 Number of loans: 1,270 Avg. Principal Balance: $37,111.40 Min. Principal Balance: $6,143.94 Max. Principal Balance: $142,374.74 Weighted Average Gross Coupon: 11.043% Gross Coupon Range: 7.000% - 18.250% Weighted Average Stated Rem. Term (PTD to Mat Date): 211 Stated Rem Term Range: 24 - 360 Weighted Average Age: 1 Weighted Average Original Term 212 Original Term Range: 24 - 360 State Concentrations (>5.00%): Texas 22.24% California 22.14% Florida 8.36% Alabama 6.44% New: 41.45% Used: 41.66% Repo: 16.89% New/Double 32.31% New/Single 9.14% Used/Double 30.57% Used/Single 11.08% Repo/Doublewide 11.34% Repo/Singlewide 5.55% WA FICO 666 4