Credit Score of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Back Mortgage Principal Principal Interest Term Original FICO DTI Credit Score Loans Balance ($) Balance Rate(%) (months) LTV Score Ratio ----------------------------------------- -------- ----------- --------- -------- --------- -------- ------- ----- NA 1 39,941 0.02 10.880 356 80.00 0 45.31 500 - 524 1 82,096 0.04 8.550 354 80.00 517 45.39 525 - 549 8 586,709 0.27 9.848 357 79.70 531 43.44 550 - 574 27 2,688,314 1.22 9.072 357 87.41 558 44.08 575 - 599 38 4,324,475 1.96 8.327 357 86.54 587 44.60 600 - 624 258 43,716,354 19.76 7.132 357 80.02 614 43.84 625 - 649 233 41,844,577 18.92 7.014 357 79.80 636 42.65 650 - 674 221 48,544,086 21.95 6.700 356 79.87 660 42.01 675 - 699 117 28,534,966 12.90 6.740 357 79.40 687 43.76 700 - 724 85 20,750,390 9.38 6.727 357 79.63 710 43.48 725 - 749 64 17,302,113 7.82 6.625 356 79.58 736 44.28 750 - 774 26 8,189,795 3.70 6.634 357 79.56 760 45.01 775 - 799 14 4,244,122 1.92 6.233 356 78.36 785 46.17 800 + 3 351,505 0.16 6.464 357 80.00 802 40.75 Total: 1,096 221,199,443 100.00 6.905 357 79.96 664 43.30
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 ----------------------------------------------------------------------------------------------------------------------------- NA 7 654,597 0.13 10.433 356 71.67 0 ----------------------------------------------------------------------------------------------------------------------------- 500 - 524 294 39,873,841 8.21 8.805 352 74.32 513 ----------------------------------------------------------------------------------------------------------------------------- 525 - 549 315 41,081,397 8.46 8.675 337 75.23 537 ----------------------------------------------------------------------------------------------------------------------------- 550 - 574 373 52,652,873 10.85 8.546 336 79.24 562 ----------------------------------------------------------------------------------------------------------------------------- 575 - 599 362 55,274,192 11.39 8.135 337 81.32 587 ----------------------------------------------------------------------------------------------------------------------------- 600 - 624 487 77,129,617 15.89 7.911 337 82.33 613 ----------------------------------------------------------------------------------------------------------------------------- 625 - 649 429 75,064,366 15.46 7.766 340 84.93 638 ----------------------------------------------------------------------------------------------------------------------------- 650 - 674 348 58,095,776 11.97 7.495 335 82.39 662 ----------------------------------------------------------------------------------------------------------------------------- 675 - 699 215 34,713,591 7.15 7.318 334 81.57 685 ----------------------------------------------------------------------------------------------------------------------------- 700 - 724 132 20,736,220 4.27 7.27 329 78.87 711 ----------------------------------------------------------------------------------------------------------------------------- 725 - 749 85 14,317,024 2.95 7.163 341 80 737 ----------------------------------------------------------------------------------------------------------------------------- 750 - 774 66 11,389,990 2.35 7.117 344 78.22 762 ----------------------------------------------------------------------------------------------------------------------...
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.
