Credit Score of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average of Date Date Gross Remaining Comb Mortgage Principal Principal Interest Term Original Credit Score Loans Balance ($) Balance Rate (%) (months) LTV ------------------------------------------------------------------------------------------------------------------------------------ NA 95 11,970,358 0.77 7.972 354 73.49 500 - 524 885 146,451,659 9.46 8.183 355 73.11 525 - 549 1,040 167,428,850 10.81 7.930 355 72.74 550 - 574 973 165,115,035 10.66 7.583 355 74.21 575 - 599 1,111 195,899,890 12.65 7.214 354 76.39 600 - 624 1,578 264,244,724 17.07 7.043 354 78.88 625 - 649 1,310 236,374,763 15.27 6.863 353 78.77 650 - 674 883 165,798,001 10.71 6.724 353 80.08 675 - 699 442 83,958,211 5.42 6.744 353 81.33 700 - 724 280 55,226,974 3.57 6.807 354 81.47 725 - 749 170 32,182,963 2.08 6.743 356 80.91 750 - 774 81 17,426,867 1.13 6.513 355 80.15 775 - 799 28 5,436,270 0.35 6.352 356 78.09 800 + 3 780,365 0.05 5.526 342 70.70 ------------------------------------------------------------------------------------------------------------------------------------ Total: 8,879 1,548,294,930 100.00 7.232 354 77.20 ------------------------------------------------------------------------------------------------------------------------------------ Non-Zero Minimum: 500 Maximum: 806 Non-Zero Weighted Average: 608
Credit Score. If you have an active lending relationship with us, you can view your FICO®4 credit risk score (your “FICO Score”) via Online Services. The score is created by Fair Xxxxx Corporation (now legally known as “FICO”), one of the nation’s primary credit-scoring companies. Most lenders use FICO scores to make lending decisions. Information provided by FICO does not necessarily reflect the views of the Credit Union. We make your FICO Score available to you for your own non-commercial, personal review and benefit. Your FICO Score is not impacted at all by our making the score available to you. The Credit Union and FICO do not provide “credit repair services” and are not “credit repair organizations” as these terms are defined under federal or state law, including the Credit Repair Organizations Act. FICO does not provide advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Changes in your FICO Score could indicate a problem with your credit report; thus, if you note significant changes in your FICO Score you may wish to obtain and review a copy of your credit report.
Credit Score. The weighted average of the Final Scores of each “Contract Group” is 665 or greater. A “Contract Group” is a group of Contracts related to a group of Loans that are Contributed Property on the Closing Date or on a particular Distribution Date during the Revolving Period on which Loans are conveyed hereunder.
Credit Score. Credit Score is a composite numerical score scaled from 0-100 as calculated by PJMSettlement that incorporates various predictors of creditworthiness. CTS Enabled Interface:
Credit Score of Morgage Aggregate Pool by Avg Weighted Weighted Number Cut-off Aggregate Mortgage Average Average of Date Cut-off
Credit Score. The eligible borrower’s FICO Score will determine the interest rate and fee charged on the loan as follows: Tier FICO Score Interest Rate Range Origination Fee* 1 790+ Prime +0.5% N/A 0 000-000 Prime +1.5% 2% 0 000-000 Prime +4.0% 3% 0 000-000 Prime +6.0% 5% 0 000-000 Prime +7.0% 7% 6 No credit score Prime +8.0% 8% 7 599 and below Prime +10.5% 10% * Origination fee calculated as a percent of loan amount Eligible borrowers with an Experian-Fair Xxxxx Score Code of 9002 or 9003 will be priced as if part of Tier 6 (“No Credit Score”). The origination fee will be credited in full to the borrower if an entire disbursement is refunded within 60 days of the disbursement date. Notwithstanding the rates and fees set forth in the table above, the annual percentage rate, including the capitalized origination fee, on any loan will not exceed eighteen percent (18%) over the term of the loan, or such other limit under applicable law that may be in effect from time to time.
Credit Score. Each Mortgage Loan has a valid and original credit score, with a minimum credit score as set forth in the related Mortgage Loan Schedule;
Credit Score of Mortgage Pool by Aggregate Aggregate Weighted Weighted Number Cut-off Cut-off Average Average Weighted Weighted of Date Date Gross Remaining Average Average Mortgage Principal Principal Interest Term Original FICO Credit Score Loans Balance ($) Balance Rate (%) (months) LTV Score ---------------------------------------------------------------------------------------------------------------------------- 500 - 524 126 16,867,843 3.97 8.437 355 74.39 515 ---------------------------------------------------------------------------------------------------------------------------- 525 - 549 350 51,277,169 12.08 8.26 356 75.95 537 ---------------------------------------------------------------------------------------------------------------------------- 550 - 574 431 63,981,023 15.07 8.422 353 80.05 562 ---------------------------------------------------------------------------------------------------------------------------- 575 - 599 392 58,170,644 13.7 7.981 351 78.42 587 ---------------------------------------------------------------------------------------------------------------------------- 600 - 624 434 63,811,576 15.03 7.603 351 80.28 612 ---------------------------------------------------------------------------------------------------------------------------- 625 - 649 509 77,944,484 18.36 7.453 348 79.73 637 ---------------------------------------------------------------------------------------------------------------------------- 650 - 674 344 49,463,550 11.65 7.323 350 78.9 660 ---------------------------------------------------------------------------------------------------------------------------- 675 - 699 147 22,980,284 5.41 7.355 356 81.37 686 ---------------------------------------------------------------------------------------------------------------------------- 700 - 724 72 11,905,800 2.8 7.298 357 81.54 711 ---------------------------------------------------------------------------------------------------------------------------- 725 - 749 41 6,801,088 1.6 7.19 354 80.55 736 ---------------------------------------------------------------------------------------------------------------------------- 750 - 774 6 923,872 0.22 6.539 356 66.7 759 ---------------------------------------------------------------------------------------------------------------------------- 775 - 799 1 261,767 0.06 6.375 357 75 793 ---------------------------------------------------------------------------------------------------------------------------- 800 + 1 ...
Credit Score. Factor Codes
Credit Score. For participants with credit ratings, a Credit Score will be assigned based on their senior unsecured credit rating and credit watch status as shown in the table below. If an explicit senior unsecured rating is not available, PJMSettlement may impute an equivalent rating from other ratings that are available. For Participants without a credit rating, but who wish to be considered for unsecured Credit, a Credit Score will be generated from PJMSettlement’s review and analysis of various factors that are predictors of financial strength and creditworthiness. Key factors in the scoring process include, financial ratios, and years in business. PJMSettlement will consistently apply the measures it uses in determining Credit Scores. The credit scoring methodology details are included in a supplementary document available on OASIS.
