First NLC Securitization 8-K Other Events

Exhibit 99.6

First NLC Securitization Trust 2005-4

Issuer

First NLC Securitization, Inc.

Depositor

DISCLAIMER

The issuer has filed a registration statement (including a prospectus) with the Securities and Exchange Commission (“SEC”) for the offering to which this communication relates with a file number of 333-127919. 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 issuer, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by calling (703) 469-1225.

COMPUTATIONAL MATERIALS

This presentation contains tables and other statistical analyses (the “Computational Materials”). These Computational Materials have been prepared by Friedman, Billings, Ramsey & Co., Inc. (“FBR”) in reliance upon information furnished by the issuer of the securities and its affiliates. These Computational Materials are furnished to you solely by FBR and not by the issuer of the securities. They may not be provided to any third party other than the addressee’s legal, tax, financial and/or accounting advisors for the purposes of evaluating said material.

Numerous assumptions were used in preparing the Computational Materials which may or may not be reflected therein. As such, no assurance can be given as to the Computational Materials’ appropriateness in any particular context. In addition, no assurance can be given as to whether the Computational Materials and/or the assumptions upon which they are based reflect present market conditions or future market performance. These Computational Materials should not be construed as either projections or predictions or as legal, tax, financial or accounting advice.

Any weighted average lives, yields and principal payment periods shown in the Computational Materials are based on prepayment assumptions, and changes in such prepayment assumptions may dramatically affect such weighted average lives, yields and principal payment periods. In addition, it is possible that prepayments on the underlying assets will occur at rates slower or faster than the rates shown in the attached Computational Materials. Furthermore, unless otherwise provided, the Computational Materials assume no losses on the underlying assets and no interest shortfall.

If the Computational Materials were generated using a hypothetical group of mortgage loans, the specific characteristics of the securities may differ from those shown in the Computational Materials due to differences between the actual underlying assets and the hypothetical underlying assets used in preparing the Computational Materials. If these Computational Materials are based only on a statistical pool of mortgage loans expected to be included in the trust along with other mortgage loans on the closing date, the specific characteristics of these securities also may differ from those shown in the Computational Materials. A statistical pool may not necessarily represent a statistically relevant population, notwithstanding any contrary references herein. Although FBR believes the information with respect to the statistical pool will be representative of the final pool of mortgage loans, the collateral characteristics of the final pool may nonetheless vary from the collateral characteristics of the statistical pool. Certain mortgage loans contained in a statistical pool or the actual pool may be deleted from the final pool of mortgage loans delivered to the trust on the closing date.

All average are wtg averages.

	Originator/ Source 1	Originator/ Source 2	Originator/ Source 3	Aggregate
Description (expected bbg ticker)
Originator				First NLC
Dealer Shelf
Dealer				FBR
Largest Servicer				JPM Chase
FICO avg				629
FICO stdev				58
FICO < 500				0
FICO < 560				14.17
10th Percentile FICO				542
90th Percentile FICO				698
CLTV avg				81.03
CLTV >80%				32.16
SS CLTV (incl. silent second LTVs)				87.44
% With Silent 2nds				32.84
10th Percentile CLTV				70
90th Percentile CLTV				100
Full Doc %				42.82
Loan Bal avg (000s)				181457.25
DTI %				43.99
DTI >45%				55.71
Purch %				39.92
Cash Out %				58.08
Fxd %				24.32
3 yr ARM >=				32.51
WAC				7.684
WAC stdev				1.474
1st Lien %				95.1
MI %				N/A
MI Insurer				N/A
CA %				28.94
Sng Fam %				83.9
Invt Prop %				3.11
MH %				0.06
IO%				30.78
2yr IO%				0
IO non-full doc %				20.58
2-4 Family %				7.33
Prim Occ				96.89
<$100K Bal %				10.05
2-yr Prepay Penalty %				35.8
Initial Target OC %				3.65	%
Total C/E% Aaa				25	%
Total C/E% Aa2				17.55	%
Total C/E% A2				11.70	%
Mth 37 Loss Trig				2.15	%
Moody’s Base Case Loss				6.70	%
S&P single-B FF/LS				3.09	%
Fitch single-B FF/LS				NA

Originator/ Source	WA LTV	WA CLTV	WA SS CLTV	FICO	WAC	% Bal.	Purch %	Invt Prop %	1st Lien %	% with S.2nds	CA%	Full Doc %	IO%	DTI%	DTI% > 45	% with MI
Name 1	77.15	81.03	87.44	629	7.68	100	39.92	3.11	95.1	32.84	28.94	42.82	30.78	43.99	55.71	0
Name 2
Name 3
Name 4
Total:	77.15	81.03	87.44	629	7.68	100	39.92	3.11	95.1	32.84	28.94	42.82	30.78	43.99	55.71	0
Documentation	WALTV	WACLTV	WA SS CLTV	WAFICO	WAC	% Bal.	Purch %	Invt Prop %	1st Lien %	% with S.2nds	CA%	Full Doc %	IO%	DTI %	DTI% > 45	% with MI
Full	78.99	80.88	84.84	611	7.58	42.82	24.39	3.46	97.6	20.49	22.5	100	23.8	43.45	52.99	0
Non-Full	75.78	81.13	89.39	642	7.76	57.18	51.55	2.85	93.23	42.09	33.76	0	36	44.4	57.75	0
Total	77.15	81.03	87.44	629	7.68	100	39.92	3.11	95.1	32.84	28.94	42.82	30.78	43.99	55.71	0
Interest Only	WALTV	WACLTV	WA SS CLTV	WAFICO	WAC	% Bal.	Purch %	Invt Prop %	1st Lien %	% with S.2nds	CA%	Full Doc %	IO%	DTI %	DTI% > 45	% with MI
2-yr IO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other IO	80.76	80.77	91.47	657	7.12	30.78	52.24	0.45	99.99	53.82	50.16	33.12	100	44.51	56.59	0
Non-IO	75.55	81.14	85.65	616	7.93	69.22	34.44	4.3	92.93	23.51	19.51	47.14	0	43.76	55.32	0
Total	77.15	81.03	87.44	629	7.68	100	39.92	3.11	95.1	32.84	28.94	42.82	30.78	43.99	55.71	0
FICO	WALTV	WACLTV	WA SS CLTV	WAFICO	WAC	% Bal.	Purch %	Invt Prop %	1st Lien %	% with S.2nds	CA%	Full Doc %	IO%	DTI %	DTI% > 45	% with MI
0-499
500-559	75.08	75.08	75.25	533	8.36	14.17	7	1.23	100	1.37	18.06	66.06	0	43.51	55.99	0
560-599	80.97	81.21	81.98	582	7.88	14.22	20.98	1.8	99.7	5.44	22.86	58.22	7.91	43.95	54.42	0
600-639	76.18	81.57	89.38	621	7.75	28.45	42.63	2.18	93.22	40.09	30.61	39	36.26	43.96	55.93	0
640-679	77.11	82.1	91.18	658	7.42	25.78	49.96	4.4	93.7	45.62	32.89	34.42	46.5	44.41	57.75	0
680>=	77.38	83.24	93.13	714	7.26	17.38	62.94	5.33	92.49	50.07	34.2	30.02	42.27	43.87	53.15	0
Total	77.15	81.03	87.44	629	7.68	100	39.92	3.11	95.1	32.84	28.94	42.82	30.78	43.99	55.71	0
Low Balance	WALTV	WACLTV	WA SS CLTV	WAFICO	WAC	% Bal.	Purch %	Invt Prop %	1st Lien %	% with S.2nds	CA%	Full Doc %	IO%	DTI %	DTI% > 45	% with MI
<80,000	47.92	89.33	91.25	627	9.7	5.96	54.69	4.64	48.12	10.95	11.22	47.76	1.63	41.55	44.21	0
80,000-100,000	69.97	82	85.49	612	8.43	4.34	34.61	3.82	84.91	19.29	10	59.31	4.71	41.89	44.13	0
100,000>=	79.44	80.43	87.28	630	7.51	89.7	39.19	2.98	98.72	34.95	31.04	41.7	33.97	44.26	57.04	0
Total	77.15	81.03	87.44	629	7.68	100	39.92	3.11	95.1	32.84	28.94	42.82	30.78	43.99	55.71	0
Lien Position	WALTV	WACLTV	WA SS CLTV	WAFICO	WAC	% Bal.	Purch %	Invt Prop %	1st Lien %	% with S.2nds	CA%	Full Doc %	IO%	DTI %	DTI% > 45	% with MI
1st Lien	80.07	80.07	86.81	627	7.53	95.1	37.89	3.27	100	34.53	28.41	43.95	32.36	43.98	55.72	0
2nd Lien	20.57	99.6	99.6	661	10.7	4.9	79.31	0.07	0	0	39.34	21.01	0.08	44.3	55.59	0
Total	77.15	81.03	87.44	629	7.68	100	39.92	3.11	95.1	32.84	28.94	42.82	30.78	43.99	55.71	0

WACLTV	WA SS CLTV	WAFICO	WAC	% Bal.	Purch %	Invt Prop %	1st Lien %	% with S.2nds	CA%	Full Doc %	IO%	DTI %	DTI% > 45	% with MI
80-85%	84.56	616	7.762	7.99	9.58	4.56	100	1.62	16.8	57.7	24.78	43.47	44.74	0
85-90%	90.16	625	7.819	12.63	27.56	6.72	99.75	5.84	19.56	51.73	27.36	44.61	41.93	0
90-95%	94.49	647	7.924	4.38	15.76	0.55	95.53	2.61	16.67	58.77	39.23	45	41.64	0
95-100%	99.89	654	9.934	7.16	67.92	0.62	34.9	0	28.91	41.27	1.13	43.93	45.57	0

SSCLTV	WAFICO	WAC	% Bal.	Purch %	Invt Prop %	1st Lien %	% with S.2nds	CA%	Full Doc %	IO%	DTI %	DTI% > 45	% with MI
80-85%	616	7.751	7.94	9.24	4.5	100	0.99	17.14	56.94	25.66	43.39	44.77	0
85-90%	627	7.768	12.14	24.49	6.97	99.74	2.04	21.42	50.8	29.41	44.57	42.59	0
90-95%	646	7.784	5.71	21.99	0.83	96.57	25.33	17.43	48.38	39.11	45.02	40.83	0
95-100%	659	7.755	38.23	78.68	0.25	87.8	81.26	35.66	29.81	41.58	44.61	41.94	0

Coupon-ARM	WALTV	WACLTV	WA SS CLTV	WAFICO	WAC	% Bal.	Purch %	Invt Prop %	1st Lien %	% with S.2nds	CA%	Full Doc %	IO%	DTI %	DTI% > 45	% with MI
<8%	79.88	79.88	88.8	641	7.16	76.38	45.76	2.97	100	45.17	34.9	38.05	44.14	44.45	57.66	0
8-9%	81.7	81.7	85.58	588	8.5	19.01	32.41	2.69	100	21.19	16.13	46.62	13.82	43.75	56.46	0
9-10%	84.39	84.39	86.13	569	9.43	4.33	22.92	6.35	100	10.96	8.78	56.99	0.87	43.18	55.1	0
10-11%	87.87	87.87	89.3	579	10.3	0.28	27.94	0	100	8.58	0	62.1	0	40.4	32.03	0
11-12%	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
12-13%	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
13-14%	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
>14%	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0

Coupon-fixed rate	WALTV	WACLTV	WA SS CLTV	WAFICO	WAC	% Bal.	Purch %	Invt Prop %	1st Lien %	% with S.2nds	CA%	Full Doc %	IO%	DTI %	DTI% > 45	% with MI
<8%	76.46	76.5	78.04	639	7.12	54.02	12.16	3.06	99.95	7.85	22.72	64.31	9.95	42.75	48.15	0
8-9%	78.6	81.45	82.5	599	8.52	14.02	13.07	10.74	96.44	5.65	8.25	59.29	2.71	40.62	37.96	0
9-10%	43.72	92.55	92.75	636	9.64	12.19	50.01	1.81	37.02	1.48	37.72	51.44	0	43	51.76	0
10-11%	25.98	98.69	98.69	658	10.51	11.31	75.31	0	8.58	0	35.13	22.82	0.19	44.72	57.29	0
11-12%	23.13	99.33	99.33	641	11.54	4.42	83.15	0	4.33	0	30.87	16.04	0	44.03	50.62	0
12-13%	21.09	99.9	99.9	628	12.37	3.9	78.68	0	1.19	0	9.89	6.7	0	44.9	62.01	0
13-14%	19.5	99.88	99.88	636	13.52	0.14	59.17	0	0	0	0	11.26	0	39.22	61.07	0
>14%	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0

Top 20 Cities	% of Total Bal	# of Loans	Loan Bal	Avg Loan Bal	WA LTV	% with 2nd	WAFICO
CHICAGO	3.58	142	27691230.17	195008.66	81.55	31.74	635
MIAMI	3.24	134	25066867.73	187066.18	81.29	48.09	638
LOS ANGELES	1.47	39	11346439.2	290934.34	82.05	43.8	641
LAS VEGAS	1.37	61	10577089.37	173394.91	81.93	29.62	639
SACRAMENTO	1.13	39	8768216.39	224826.06	80.01	29.59	634
PHOENIX	0.93	55	7162596.75	130229.03	79.74	10.64	626
SAN JOSE	0.8	19	6231053.83	327950.2	81.15	45.28	639
PROVIDENCE	0.74	33	5730768.49	173659.65	82.83	55.76	654
NAPLES	0.7	22	5399000	245409.09	83.29	58.69	666
BAKERSFIELD	0.68	27	5247674.92	194358.33	77.85	30.39	620
ORLANDO	0.65	31	5008279.73	161557.41	82.26	28.07	635
HOUSTON	0.64	60	4936986.13	82283.1	81.16	14.77	602
TAMPA	0.58	30	4463785.58	148792.85	77.86	28.9	615
CHULA VISTA	0.57	13	4450650	342357.69	82.36	61.62	654
HIALEAH	0.56	25	4317038.72	172681.55	84.93	37.75	633
SAN DIEGO	0.53	13	4074252.34	313404.03	80.13	67.95	652
OAKLAND	0.52	11	4035374.61	366852.24	80.27	80.43	657
STOCKTON	0.47	15	3650237.71	243349.18	86.71	42.56	645
GLENDALE	0.47	20	3640899.6	182044.98	85.6	20.78	631
MORENO VALLEY	0.47	17	3611958.12	212468.12	80.52	31.05	633
Top 10 States	% of Total Bal	# of Loans	Loan Bal	Avg Loan Bal	WA LTV	% with 2nd	WAFICO
CA	28.94	830	224086776.9	269984.07	79.55	41.51	639
FL	17.1	791	132408430.3	167393.72	80.63	35.45	630
IL	12.49	531	96714882.06	182137.25	82.12	33.61	633
MD	5.21	190	40314614.1	212182.18	79.97	15.97	622
MA	3.03	104	23436202.09	225348.1	82.16	42.69	642
TX	2.94	225	22798668.12	101327.41	81.24	13.88	607
AZ	2.82	132	21850550.45	165534.47	81.42	13.94	624
VA	2.66	96	20620051.71	214792.21	80.91	28.16	620
MI	2.62	176	20300571.94	115344.16	84.62	35.87	611
NJ	2.13	76	16503014.09	217144.92	80.31	23.81	619

1	ARM
2	Owner occupied
3	Purchase
4	Full doc.
5	First lien
6	Fixed
7	Non-owner occupied
8	Refinancing
9	Limited doc.
10	Second lien
				1	2	3	4	5	6	7	8	9	10	11
1	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Purchase	2	501-525
	Full doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
2	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Refinancing	2	501-525
	Full doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
3	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Purchase	2	501-525
	Limited doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
4	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Refinancing	2	501-525
	Limited doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
5	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Purchase	2	501-525
	Full doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
6	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Refinancing	2	501-525
	Full doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700

7	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Purchase	2	501-525
	Limited doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
8	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Refinancing	2	501-525
	Limited doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
9	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Purchase	2	501-525
	Full doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
10	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Refinancing	2	501-525
	Full doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
11	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Purchase	2	501-525
	Limited doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
12	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Refinancing	2	501-525
	Limited doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
13	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Purchase	2	501-525
	Full doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700

				1	2	3	4	5	6	7	8	9	10	11
14	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Refinancing	2	501-525
	Full doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
15	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Purchase	2	501-525
	Limited doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
16	ARM			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Refinancing	2	501-525
	Limited doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
17	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Purchase	2	501-525
	Full doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
18	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Refinancing	2	501-525
	Full doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
19	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Purchase	2	501-525
	Limited doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
20	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Refinancing	2	501-525
	Limited doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700

				1	2	3	4	5	6	7	8	9	10	11
21	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Purchase	2	501-525
	Full doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
22	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Refinancing	2	501-525
	Full doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
23	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Purchase	2	501-525
	Limited doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
24	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Owner occupied	1	<500
	Refinancing	2	501-525
	Limited doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
25	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Purchase	2	501-525
	Full doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
26	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Refinancing	2	501-525
	Full doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
27	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Purchase	2	501-525
	Limited doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700

				1	2	3	4	5	6	7	8	9	10	11
28	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Refinancing	2	501-525
	Limited doc.	3	526-550
	First lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
29	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Purchase	2	501-525
	Full doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
30	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Refinancing	2	501-525
	Full doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
31	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Purchase	2	501-525
	Limited doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700
				1	2	3	4	5	6	7	8	9	10	11
32	Fixed			<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
	Non-owner occupied	1	<500
	Refinancing	2	501-525
	Limited doc.	3	526-550
	Second lien	4	551-575
		5	576-600
		6	601-625
		7	626-650
		8	651-675
		9	676-700
		10	>700

First Liens (excl. multi-family)
	CLTV (excl. SS)
State	<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51

Second liens
	CLTV (excl. SS)
Start LTV	<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
<55
56-60
61-65
66-70
71-75
76-80
81-85
86-90
91-95
96-100
>100

First liens -multi family
	CLTV (excl. SS)
State	<55	56-60	61-65	66-70	71-75	76-80	81-85	86-90	91-95	96-100	>100
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51