| DEAL NAME | MSHLC 2000-1 |
| Closing Date | 8/23/2000 |
| |
| Collateral Characteristics | |
| Principal Balance | 196,366,817 |
| |
| Sellers (Over 10%) | Morgan Stanley Dean Witter Credit Corporation(100.00%) |
| Servicers (Over 10%) | Morgan Stanley Dean Witter Credit Corporation(100.00%) |
| |
| Number of Loans | 3,224 |
| Avg Loan Balance | 60,908 |
| Avg Credit Limit Balance | 126,821 |
| Avg Credit Utilization Ratio | 48.03 |
| |
| Fixed/Floating | |
| % FRM | 0.00 |
| % ARM | 100.00 |
| |
| Heloc Percentage | 100.00 |
| Fixed Rate Seconds Percentage | 0.00 |
| Short Arm Percentage | 0.00 |
| Hybrid Arm Percentage | 0.00 |
| |
| %IO | 100.00 |
| Wtd Avg IO Term (months) | 0 |
| |
| Wtd Avg Current Mortgage Rate (%) | 9.74 |
| < 4.00% | 0.00 |
| 4.0000% - 4.9999% | 0.00 |
| 5.0000% - 5.9999% | 0.00 |
| 6.0000% - 6.9999% | 0.00 |
| 7.0000% - 7.9999% | 0.00 |
| 8.0000% - 8.9999% | 0.00 |
| 9.0000% - 9.9999% | 78.06 |
| 10.0000% - 10.9999% | 16.71 |
| 11.000% + | 5.23 |
| |
| Lien Composition | |
| % 1st Lien | 26.73 |
| % 2nd Lien | 73.27 |
| |
| Junior Lien Ratio (second liens only) | 42.45 |
| |
| Non-Zero Wtd Avg FICO | 710 |
| % FICO below 660 (inc. N/A) | 18.18 |
| % FICO below 620 (inc. N/A) | 8.77 |
| |
| Wtd Avg Orig LTV for first liens / CLTV for second liens | 76.77 |
| % LTV/CLTV > 80 | 54.43 |
| % LTV/CLTV > 90 | 2.35 |
| % LTV/CLTV > 95 | 0.99 |
| |
| % Owner Occupied | 91.38 |
| % Investor | 1.79 |
| % Second Home | 6.83 |
| |
| State Concentration (Over 5%) | CA(40.28%),NY(7.24%),FL(6.87%),NJ(6.31%) |
| |
| % Prepay Penalty | 0.00 |
| |
| Wtd Avg Std Orig Term (mths) | 120 |
| Wtd Avg Std Rem Term (mths) | 117 |
| WALA (mths) | 3 |
