Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 1 of 18)
--------------------------------------------------------------------------------
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
--------------------------------------------------------------------------------
<TABLE>
<CAPTION>
Home Loan Group I (as of the Statistical Cut-off Date)
<S> <C>
Total Number of Loans: 2,981
Initial Principal Balance: $120,257,111
Average Loan Balance: $40,341
WA Home Loan Rate: 13.554%
Range of Home Loan Rates: (10.000% - 17.540%)
WA Remaining Term (months): 227
Range of Remaining Terms: (34 - 293)
WA Original Term (months): 250
Range of Original Terms: (60 - 301)
Credit Score:
WA 682
< 640 2.68%
640 - 679 46.73%
680 - 719 40.55%
>= 720 10.04%
Debt-to-Income Ratio:
WA 39.45%
>45% 19.11%
Combined LTV:
WA 117.96%
> 100% 96.33%
Geographic Concentration: CA: 28.95%
(as a Percentage of Loan Type) MD: 6.45%
(States not listed account for NY: 5.16%
less than 5% of the aggregate
principal balance of the category)
</TABLE>
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 2 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group I
Home Loan Rates
Range of Number of Statistical Percentage of
Cut-off Date
Loan Rates (%) Home Loans Principal Balance Home Loan
Pool
---------------------------------------------------------------------
9.501 to 10.000 1 $31,498 0.03%
10.001 to 10.500 3 71,903 0.06%
10.501 to 11.000 8 297,602 0.25%
11.001 to 11.500 52 2,105,991 1.75%
11.501 to 12.000 294 12,422,821 10.33%
12.001 to 12.500 268 11,572,509 9.62%
12.501 to 13.000 585 25,529,342 21.23%
13.001 to 13.500 283 11,611,589 9.66%
13.501 to 14.000 609 24,200,526 20.12%
14.001 to 14.500 267 10,574,912 8.79%
14.501 to 15.000 276 10,657,917 8.86%
15.001 to 15.500 102 3,636,220 3.02%
15.501 to 16.000 171 5,656,278 4.70%
16.001 to 16.500 38 1,216,931 1.01%
16.501 to 17.000 20 554,354 0.46%
17.001 to 17.500 3 96,839 0.08%
17.501 to 18.000 1 19,877 0.02%
------------------------------------------------
Total 2,981 $120,257,111 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 3 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group I
Original Home Loan Principal Balances
Range of Original Number of Statistical Percentage
Cut-off Date of
Home Loan Amounts Home Loans Principal Home Loan
Balance Pool
-------------------- ---------------------------------------------
Up to 430 $8,477,509 7.05%
$25,000.00
$25,000.01 to 1,865 69,048,246 57.42%
$50,000.00
$50,000.01 to 617 36,894,569 30.68%
$75,000.00
$75,000.01 to 69 5,836,788 4.85%
$100,000.00
---------------------------------------------
Total 2,981 $120,257,111 100.00%
Current Home Loan Principal Balances
Range of Current Number of Statistical Percentage
Cut-off Date of
Home Loan Amounts Home Loans Principal Home Loan
Balance Pool
-------------------- ---------------------------------------------
Up to 489 $9,781,101 8.13%
$25,000.00
$25,000.01 to 1,856 70,072,233 58.27%
$50,000.00
$50,000.01 to 573 34,989,997 29.10%
$75,000.00
$75,000.01 to 63 5,413,779 4.50%
$100,000.00
---------------------------------------------
Total 2,981 $120,257,111 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 4 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group I
Combined Loan-to-Value Ratios
Range of Combined Number of Home Statistical Percentage of
Cut-off Date
Loan-to-Value Home Loans Principal Home Loan
Ratios (%) Balance Pool
-------------------- ----------------------------------------------
50.01 to 60.00 2 $45,354 0.04%
60.01 to 70.00 4 111,814 0.09%
75.01 to 80.00 11 341,913 0.28%
80.01 to 85.00 5 182,928 0.15%
85.01 to 90.00 24 785,170 0.65%
90.01 to 95.00 19 676,980 0.56%
95.01 to 100.00 70 2,274,812 1.89%
100.01 to 105.00 162 5,790,873 4.82%
105.01 to 110.00 299 10,297,410 8.56%
110.01 to 115.00 396 15,009,668 12.48%
115.01 to 120.00 589 23,603,576 19.63%
120.01 to 125.00 1,365 59,627,165 49.58%
125.00 to 130.00 35 1,509,447 1.26%
----------------------------------------------
Total 2,981 $120,257,111 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 5 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group I
Months Remaining to Maturity
Months Remaining Number of Statistical Percentage of
Cut-off Date
to Maturity Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
0 to 96 91 $2,554,998 2.12%
97 to 108 97 2,821,455 2.35%
121 to 144 3 83,034 0.07%
145 to 156 380 13,741,211 11.43%
157 to 168 430 15,490,542 12.88%
169 to 180 19 626,401 0.52%
181 to 288 1,951 84,602,986 70.35%
289 to 300 10 336,483 0.28%
----------------------------------------------
Total 2,981 $120,257,111 100.00%
Year of Origination
Number of Statistical Percentage of
Cut-off Date
Year of Origination Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
1996 2 $52,419 0.04%
1997 41 1,519,720 1.26%
1998 2,786 113,192,915 94.13%
1999 152 5,492,057 4.57%
----------------------------------------------
Total 2,981 $120,257,111 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 6 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group I
Geographic Distribution of Mortgaged Properties
Number of Statistical Percentage
Cut-off Date of
State Home Loans Principal Home Loan
Balance Pool
-----------------------------------------------------------------
California 799 34,819,331 28.95%
Maryland 188 7,759,066 6.45%
New York 157 6,203,819 5.16%
Washington 116 5,350,367 4.45%
Pennsylvania 132 5,025,916 4.18%
Virginia 123 4,847,627 4.03%
Florida 115 4,221,363 3.51%
Nevada 99 4,155,764 3.46%
North Carolina 95 3,422,774 2.85%
Oregon 74 3,420,479 2.84%
Arizona 80 3,109,352 2.59%
Illinois 74 2,971,269 2.47%
Michigan 80 2,774,553 2.31%
Ohio 66 2,483,458 2.07%
Indiana 69 2,423,184 2.02%
Other (<2%) 714 27,268,788 22.68%
---------------------------------------------
Total 2,981 $120,257,111 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 7 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group I
Mortgaged Property Types
Number of Statistical Percentage of
Cut-off Date
Property Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
Single Family 2,883 $116,491,638 96.87%
Residence
Condominium 95 3,631,890 3.02%
Manufactured 2 77,061 0.06%
Housing
Townhouse 1 56,522 0.05%
----------------------------------------------
Total 2,981 $120,257,111 100.00%
Loan Purpose
Number of Statistical Percentage of
Cut-off Date
Purpose Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
Debt Consolidation 2,896 $117,301,038 97.54%
Cash Out Refinance 44 1,264,584 1.05%
Rate/Term Refinance 26 1,130,448 0.94%
Home Improvement 12 433,926 0.36%
Education 1 32,707 0.03%
Other 2 94,406 0.08%
----------------------------------------------
Total 2,981 $120,257,111 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 8 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group I
Lien Priority
Number of Statistical Percentage of
Cut-off Date
Lien Property Home Loans Principal Home Loan
Balance Pool
--------------------
First Lien 4 $216,784 0.18%
Second Lien 2,977 120,040,326 99.82%
----------------------------------------------
Total 2,981 $120,257,111 100.00%
Debt-to-Income Ratio
Number of Statistical Percentage of
Cut-off Date
Debt-to-Income Ratio Home Loans Principal Home Loan
(%) Balance Pool
--------------------------------------------------------------------
10.01 to 15.00 2 $89,938 0.07%
15.01 to 20.00 16 538,044 0.45%
20.01 to 25.00 92 3,198,666 2.66%
25.01 to 30.00 280 10,741,590 8.93%
30.01 to 35.00 460 17,893,841 14.88%
35.01 to 40.00 746 28,809,622 23.96%
40.01 to 45.00 882 36,001,286 29.94%
45.01 to 50.00 499 22,753,018 18.92%
50.01 to 55.00 4 231,106 0.19%
----------------------------------------------
Total 2,981 $120,257,111 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 9 of 18
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group I
Credit Scores
Range of Number Statistical Percentage of
Cut-off Date
Credit Scores Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
620 to 639 108 $3,219,607 2.68%
640 to 659 639 22,803,358 18.96%
660 to 679 793 33,392,740 27.77%
680 to 699 780 33,470,241 27.83%
700 to 719 358 15,298,038 12.72%
720 to 739 187 7,519,590 6.25%
740 to 759 78 3,122,294 2.60%
760 to 779 33 1,160,000 0.96%
780 to 799 5 271,243 0.23%
----------------------------------------------
Total 2,981 $120,257,111 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 10 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
<TABLE>
<CAPTION>
Loan Group II (as of the Statistical Cut-off Date)
<S> <C>
Total Number of Loans: 220
Initial Principal Balance: $15,348,486
Average Loan Balance: $69,766
WA Home Loan Rate: 13.122%
Range of Home Loan Rates: (10.500% -16.500%)
WA Remaining Term (months): 247
Range of Remaining Terms: (60-286)
WA Original Term (months): 270
Range of Original Terms: (84 - 300)
Credit Score:
WA 691
< 640 0.73%
640 - 679 28.09%
680 - 719 57.91%
>= 720 13.27%
Debt-to-Income Ratio:
WA 40.75%
>45% 23.47%
Combined LTV:
WA 116.13%
> 100% 95.51%
Geographic Concentration: CA: 62.40%
(as a Percentage of Loan Type) MD: 6.80%
(States not listed account for
less than 5% of the aggregate
principal balance of the category)
</TABLE>
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 11 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group II
Home Loan Rates
Range of Number of Statistical Percentage of
Cut-off Date
Loan Rates (%) Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
10.001 to 10.500 1 $78,826 0.51%
11.001 to 11.500 7 521,943 3.40%
11.501 to 12.000 32 2,136,950 13.92%
12.001 to 12.500 29 2,100,721 13.69%
12.501 to 13.000 55 4,156,196 27.08%
13.001 to 13.500 26 1,817,710 11.84%
13.501 to 14.000 36 2,312,857 15.07%
14.001 to 14.500 18 1,223,942 7.97%
14.501 to 15.000 8 525,317 3.42%
15.001 to 15.500 2 193,687 1.26%
15.501 to 16.000 5 235,851 1.54%
16.001 to 16.500 1 44,484 0.29%
----------------------------------------------
Total 220 $15,348,486 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 12 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group II
Original Home Loan Principal Balances
Range of Original Number of Statistical Percentage
Cut-off Date of
Home Loan Amounts Home Loans Principal Home Loan
Balance Pool
-------------------- ---------------------------------------------
Up to 1 $18,441 0.12%
$25,000.00
$25,000.01 to 38 1,622,395 10.57%
$50,000.00
$50,000.01 to 111 7,357,962 47.94%
$75,000.00
$75,000.01 to 70 6,349,687 41.37%
$100,000.00
---------------------------------------------
Total 220 $15,348,486 100.00%
Current Home Loan Principal Balances
Range of Current Number of Statistical Percentage
Cut-off Date of
Home Loan Amounts Home Loans Principal Home Loan
Balance Pool
-------------------- ---------------------------------------------
Up to 1 $18,441 0.12%
$25,000.00
$25,000.01 to 41 1,766,595 11.51%
$50,000.00
$50,000.01 to 111 7,429,389 48.40%
$75,000.00
$75,000.01 to 67 6,134,061 39.97%
$100,000.00
---------------------------------------------
Total 220 $15,348,486 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 13 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group II
Combined Loan-to-Value Ratios
Range of Combined Number of Home Statistical Percentage
Cut-off Date of
Loan-to-Value Home Loans Principal Home Loan
Ratios (%) Balance Pool
-------------------- ----------------------------------------------
90.01 to 95.00 5 $259,702 1.69%
95.01 to 100.00 6 428,798 2.79%
100.01 to 105.00 16 911,361 5.94%
105.01 to 110.00 24 1,498,242 9.76%
110.01 to 115.00 51 3,506,794 22.85%
115.01 to 120.00 49 3,487,329 22.72%
120.01 to 125.00 68 5,187,244 33.80%
125.00 to 130.00 1 69,015 0.45%
----------------------------------------------
Total 220 $15,348,486 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 14 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group II
Months Remaining to Maturity
Months Remaining Number of Statistical Percentage of
Cut-off Date
to Maturity Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
0 to 96 4 $257,716 1.68%
97 to 108 5 259,493 1.69%
145 to 156 12 747,235 4.87%
157 to 168 20 1,034,529 6.74%
181 to 288 179 13,049,512 85.02%
----------------------------------------------
Total 220 $15,348,486 100.00%
Year of Origination
Number of Statistical Percentage of
Cut-off Date
Year of Origination Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
1997 2 $117,029 0.76%
1998 211 14,856,778 96.80%
1999 7 374,679 2.44%
----------------------------------------------
Total 220 $15,348,486 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 15 of 18
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group II
Geographic Distribution of Mortgaged Properties
Number of Statistical Percentage of
Cut-off Date
State Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
California 135 $9,576,921 62.40%
Maryland 16 1,043,285 6.80%
Virginia 9 662,184 4.31%
Washington 7 573,351 3.74%
Connecticut 6 421,119 2.74%
Arizona 6 397,010 2.59%
Florida 5 319,502 2.08%
Other (<2%) 36 2,355,114 15.34%
----------------------------------------------
Total 220 $15,348,486 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 16 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group II
Mortgaged Property Types
Number of Statistical Percentage of
Cut-off Date
Property Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
Single Family 217 $15,122,265 98.53%
Residence
Condominium 2 149,159 0.97%
PUD 1 77,062 0.50%
----------------------------------------------
Total 220 $15,348,486 100.00%
Loan Purpose
Number of Statistical Percentage of
Cut-off Date
Purpose Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
Debt Consolidation 213 $14,800,842 96.43%
Home Improvement 3 236,593 1.54%
Rate/Term Refinance 2 162,632 1.06%
Purchase Money 2 148,419 0.97%
----------------------------------------------
Total 220 $15,348,486 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 17 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group II
Lien Priority
Number of Statistical Percentage of
Cut-off Date
Lien Property Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
Second Lien 220 $15,348,486 100.00%
----------------------------------------------
Total 220 $15,348,486 100.00%
Debt-to-Income Ratio
Number of Statistical Percentage of
Cut-off Date
Debt-to-Income Ratio Home Loans Principal Home Loan
(%) Balance Pool
--------------------------------------------------------------------
15.01 to 20.00 1 $56,862 0.37%
20.01 to 25.00 4 291,716 1.90%
25.01 to 30.00 10 625,115 4.07%
30.01 to 35.00 36 2,257,709 14.71%
35.01 to 40.00 46 3,108,909 20.26%
40.01 to 45.00 75 5,406,760 35.23%
45.01 to 50.00 46 3,468,284 22.60%
50.01 to 55.00 2 133,128 0.87%
----------------------------------------------
Total 220 $15,348,486 100.00%
<PAGE>
Residential Asset Mortgage Products, Inc.
Home Loan Trust 2000-HL1
Computational Materials: Information Relating to the Collateral (Page 18 of 18)
THE INFORMATION CONTAINED HEREIN WILL BE SUPERSEDED BY THE DESCRIPTION OF THE
COLLATERAL CONTAINED IN THE PROSPECTUS SUPPLEMENT.
Loan Group II
Credit Scores
Range of Number Statistical Percentage of
Cut-off Date
Credit Scores Home Loans Principal Home Loan
Balance Pool
-------------------- ----------------------------------------------
620 to 639 2 $111,775 0.73%
640 to 659 16 798,462 5.20%
660 to 679 56 3,513,537 22.89%
680 to 699 85 6,500,749 42.35%
700 to 719 32 2,387,548 15.56%
720 to 739 22 1,609,913 10.49%
740 to 759 3 192,497 1.25%
760 to 779 3 153,644 1.00%
780 to 799 1 80,361 0.52%
----------------------------------------------
Total 220 $15,348,486 100.00%
<PAGE>
