GMAC Institutional Capital Collateral Material for Fixed Rate Mortgage Loan Portfolio (Cut-off Date: 12/01/2001)

Summary

This document summarizes a portfolio of 758 fixed-rate mortgage loans managed by GMAC Institutional Capital and GMAC-RFC Loan Group I as of December 1, 2001. It details the total and average loan balances, lien positions, loan types, amortization, and credit scores. The portfolio includes both first and second lien loans, with a mix of conventional, FHA, and VA loans. The summary provides key financial statistics and breakdowns by loan size and type, serving as collateral material for business or investment purposes.

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EX-10.1 3 rm2ct1.txt COLLATERAL MATERIAL GMAC Institutional Capital GMAC-RFC Loan Group I; Fixed Rate Mortgage Loans Cut-off Date: 12/01/2001 1. Portfolio Summary Number of Loans: 758 Aggreggate Original Loan Balance: $109,310,683.77 Aggregate Current Loan Balance: $91,561,792.33 Average Current Loan Balance: $120,793.92 Minimum Current Loan Balance: $1,016.93 Maximum Current Loan Balance: $1,862,771.19 WA Gross Coupon: 7.969 Original Loan Term: 286.55 WA Remaining Loan Term: 231.14 WA Original LTV*: 78.81 WA Current LTV: 68.39 Non-Zero WA Credit Score: 683.07 * - Combined Loan-to-Value is used for second lien mortgage loans. 2. Lien Position - ---------------------------------------------------------- - ---------------------------------------------------------- % Cur Lien Position Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- First Lien 98.1 691 89,842,421 - ---------------------------------------------------------- - ---------------------------------------------------------- Second Lien 1.9 67 1,719,372 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- 3. Amort Type - ---------------------------------------------------------- - ---------------------------------------------------------- % Cur Amort Type Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- Fixed 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- 4. Loan Type - ---------------------------------------------------------- - ---------------------------------------------------------- % Cur Loan Type Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- Conv 85.1 592 77,889,766 - ---------------------------------------------------------- - ---------------------------------------------------------- FHA 0.7 6 628,494 - ---------------------------------------------------------- - ---------------------------------------------------------- VA 0.2 2 152,638 - ---------------------------------------------------------- - ---------------------------------------------------------- Conv w/MI 14.1 158 12,890,894 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- 5. Current Loan Balance - ---------------------------------------------------------- - ---------------------------------------------------------- Current % Cur Loan Balance Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- 1 - 50,000 8.8 283 8,073,856 - ---------------------------------------------------------- - ---------------------------------------------------------- 50,001 - 100,000 14.5 184 13,308,658 - ---------------------------------------------------------- - ---------------------------------------------------------- 100,001 - 150,000 15.4 114 14,059,086 - ---------------------------------------------------------- - ---------------------------------------------------------- 150,001 - 275,000 18.1 79 16,579,018 - ---------------------------------------------------------- - ---------------------------------------------------------- 275,001 - 300,700 6.0 19 5,472,117 - ---------------------------------------------------------- - ---------------------------------------------------------- 300,701 - 400,000 19.0 51 17,394,451 - ---------------------------------------------------------- - ---------------------------------------------------------- 400,001 - 500,000 7.1 15 6,546,236 - ---------------------------------------------------------- - ---------------------------------------------------------- 500,001 - 600,000 3.1 5 2,823,398 - ---------------------------------------------------------- - ---------------------------------------------------------- 600,001 - 700,000 0.7 1 645,169 - ---------------------------------------------------------- - ---------------------------------------------------------- 700,001 - 800,000 2.3 3 2,148,304 - ---------------------------------------------------------- - ---------------------------------------------------------- 800,001 - 900,000 1.9 2 1,725,254 - ---------------------------------------------------------- - ---------------------------------------------------------- 900,001 - 1,000,000 1.0 1 923,475 - ---------------------------------------------------------- - ---------------------------------------------------------- 1,000,001 >= 2.0 1 1,862,771 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- 6. Original Loan Balance - ---------------------------------------------------------- - ---------------------------------------------------------- Original % Cur Loan Balance Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- 1 - 50,000 7.8 260 7,142,304 - ---------------------------------------------------------- - ---------------------------------------------------------- 50,001 - 100,000 13.0 179 11,928,405 - ---------------------------------------------------------- - ---------------------------------------------------------- 100,001 - 150,000 15.9 124 14,521,072 - ---------------------------------------------------------- - ---------------------------------------------------------- 150,001 - 275,000 7.2 38 6,571,081 - ---------------------------------------------------------- - ---------------------------------------------------------- 275,001 - 300,700 6.9 28 6,296,236 - ---------------------------------------------------------- - ---------------------------------------------------------- 300,701 - 400,000 22.9 77 20,979,837 - ---------------------------------------------------------- - ---------------------------------------------------------- 400,001 - 500,000 12.0 30 11,013,524 - ---------------------------------------------------------- - ---------------------------------------------------------- 500,001 - 600,000 4.9 11 4,461,898 - ---------------------------------------------------------- - ---------------------------------------------------------- 600,001 - 700,000 0.9 2 795,937 - ---------------------------------------------------------- - ---------------------------------------------------------- 700,001 - 800,000 0.8 1 724,242 - ---------------------------------------------------------- - ---------------------------------------------------------- 800,001 - 900,000 1.3 2 1,191,694 - ---------------------------------------------------------- - ---------------------------------------------------------- 900,001 - 1,000,000 4.4 5 4,072,791 - ---------------------------------------------------------- - ---------------------------------------------------------- 1,000,001 >= 2.0 1 1,862,771 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- 7. Mortgage Rates - ---------------------------------------------------------- - ---------------------------------------------------------- % Cur Mortgage Rates Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- 4.500 - 4.999 0.0 1 41,273 - ---------------------------------------------------------- - ---------------------------------------------------------- 5.000 - 5.499 0.9 16 826,693 - ---------------------------------------------------------- - ---------------------------------------------------------- 5.500 - 5.999 2.4 34 2,210,173 - ---------------------------------------------------------- - ---------------------------------------------------------- 6.000 - 6.499 6.6 78 6,016,704 - ---------------------------------------------------------- - ---------------------------------------------------------- 6.500 - 6.999 20.7 109 18,926,942 - ---------------------------------------------------------- - ---------------------------------------------------------- 7.000 - 7.499 28.0 115 25,667,460 - ---------------------------------------------------------- - ---------------------------------------------------------- 7.500 - 7.999 15.2 73 13,880,446 - ---------------------------------------------------------- - ---------------------------------------------------------- 8.000 - 8.499 2.6 12 2,381,974 - ---------------------------------------------------------- - ---------------------------------------------------------- 8.500 - 8.999 1.8 12 1,617,688 - ---------------------------------------------------------- - ---------------------------------------------------------- 9.000 - 9.499 3.0 16 2,754,036 - ---------------------------------------------------------- - ---------------------------------------------------------- 9.500 - 9.999 2.0 21 1,836,926 - ---------------------------------------------------------- - ---------------------------------------------------------- 10.000 - 10.499 2.5 30 2,273,331 - ---------------------------------------------------------- - ---------------------------------------------------------- 10.500 - 10.999 3.8 51 3,523,659 - ---------------------------------------------------------- - ---------------------------------------------------------- 11.000 - 11.499 2.3 36 2,135,145 - ---------------------------------------------------------- - ---------------------------------------------------------- 11.500 - 11.999 2.8 49 2,592,661 - ---------------------------------------------------------- - ---------------------------------------------------------- 12.000 - 12.499 2.0 31 1,856,281 - ---------------------------------------------------------- - ---------------------------------------------------------- 12.500 - 12.999 1.6 29 1,452,196 - ---------------------------------------------------------- - ---------------------------------------------------------- 13.000 - 13.499 0.6 13 536,565 - ---------------------------------------------------------- - ---------------------------------------------------------- 13.500 - 13.999 0.2 8 200,005 - ---------------------------------------------------------- - ---------------------------------------------------------- 14.000 - 14.499 0.4 11 389,451 - ---------------------------------------------------------- - ---------------------------------------------------------- 14.500 - 14.999 0.2 6 214,859 - ---------------------------------------------------------- - ---------------------------------------------------------- 15.000 - 15.499 0.1 3 112,848 - ---------------------------------------------------------- - ---------------------------------------------------------- 15.500 - 15.999 0.1 3 86,643 - ---------------------------------------------------------- - ---------------------------------------------------------- 18.000 - 18.499 0.0 1 27,835 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- 8. Net Mortgage Rates - ---------------------------------------------------------- - ---------------------------------------------------------- % Cur Net Mortgage Rates Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- 4.000 - 4.499 0.0 1 41,273 - ---------------------------------------------------------- - ---------------------------------------------------------- 4.500 - 4.999 0.6 11 565,348 - ---------------------------------------------------------- - ---------------------------------------------------------- 5.000 - 5.499 1.4 23 1,308,878 - ---------------------------------------------------------- - ---------------------------------------------------------- 5.500 - 5.999 4.8 70 4,358,809 - ---------------------------------------------------------- - ---------------------------------------------------------- 6.000 - 6.499 14.0 95 12,804,639 - ---------------------------------------------------------- - ---------------------------------------------------------- 6.500 - 6.999 28.9 125 26,440,390 - ---------------------------------------------------------- - ---------------------------------------------------------- 7.000 - 7.499 21.4 93 19,572,649 - ---------------------------------------------------------- - ---------------------------------------------------------- 7.500 - 7.999 4.3 17 3,950,144 - ---------------------------------------------------------- - ---------------------------------------------------------- 8.000 - 8.499 3.3 18 3,025,788 - ---------------------------------------------------------- - ---------------------------------------------------------- 8.500 - 8.999 2.1 14 1,921,852 - ---------------------------------------------------------- - ---------------------------------------------------------- 9.000 - 9.499 3.0 27 2,764,493 - ---------------------------------------------------------- - ---------------------------------------------------------- 9.500 - 9.999 2.7 32 2,513,836 - ---------------------------------------------------------- - ---------------------------------------------------------- 10.000 - 10.499 3.1 45 2,861,827 - ---------------------------------------------------------- - ---------------------------------------------------------- 10.500 - 10.999 2.6 41 2,353,720 - ---------------------------------------------------------- - ---------------------------------------------------------- 11.000 - 11.499 2.5 43 2,244,105 - ---------------------------------------------------------- - ---------------------------------------------------------- 11.500 - 11.999 2.2 36 2,038,865 - ---------------------------------------------------------- - ---------------------------------------------------------- 12.000 - 12.499 1.4 26 1,288,010 - ---------------------------------------------------------- - ---------------------------------------------------------- 12.500 - 12.999 0.6 12 574,340 - ---------------------------------------------------------- - ---------------------------------------------------------- 13.000 - 13.499 0.1 7 136,618 - ---------------------------------------------------------- - ---------------------------------------------------------- 13.500 - 13.999 0.5 12 479,503 - ---------------------------------------------------------- - ---------------------------------------------------------- 14.000 - 14.499 0.1 4 127,511 - ---------------------------------------------------------- - ---------------------------------------------------------- 14.500 - 14.999 0.1 2 74,719 - ---------------------------------------------------------- - ---------------------------------------------------------- 15.000 - 15.499 0.1 3 86,643 - ---------------------------------------------------------- - ---------------------------------------------------------- 17.500 - 17.999 0.0 1 27,835 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- 9. Seasoning (Months) - ---------------------------------------------------------- - ---------------------------------------------------------- % Cur Seasoning (Months) Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- 12-Jan 8.8 64 8,040,710 - ---------------------------------------------------------- - ---------------------------------------------------------- 13 - 24 7.9 73 7,270,119 - ---------------------------------------------------------- - ---------------------------------------------------------- 25 - 36 21.7 209 19,850,004 - ---------------------------------------------------------- - ---------------------------------------------------------- 37 - 48 11.0 132 10,070,988 - ---------------------------------------------------------- - ---------------------------------------------------------- 49 - 60 3.6 37 3,301,544 - ---------------------------------------------------------- - ---------------------------------------------------------- 61 - 84 25.6 98 23,426,719 - ---------------------------------------------------------- - ---------------------------------------------------------- 85 - 120 20.2 122 18,504,281 - ---------------------------------------------------------- - ---------------------------------------------------------- 121 >= 1.2 23 1,097,427 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- 10. Original Loan to Value - ---------------------------------------------------------- - ---------------------------------------------------------- Original % Cur Loan to Value Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- 0.1 - 50.0 7.1 111 6,459,938 - ---------------------------------------------------------- - ---------------------------------------------------------- 50.1 - 60.0 7.5 49 6,829,673 - ---------------------------------------------------------- - ---------------------------------------------------------- 60.1 - 70.0 15.8 79 14,487,374 - ---------------------------------------------------------- - ---------------------------------------------------------- 70.1 - 80.0 35.2 185 32,252,014 - ---------------------------------------------------------- - ---------------------------------------------------------- 80.1 - 85.0 4.2 40 3,817,051 - ---------------------------------------------------------- - ---------------------------------------------------------- 85.1 - 90.0 9.0 60 8,216,277 - ---------------------------------------------------------- - ---------------------------------------------------------- 90.1 - 100.0 18.4 214 16,844,151 - ---------------------------------------------------------- - ---------------------------------------------------------- 100.1 >= 2.9 20 2,655,314 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- 11. Current Loan to Value * - ---------------------------------------------------------- - ---------------------------------------------------------- Current % Cur Loan to Value * Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- 0.1 - 50.0 20.2 191 18,514,419 - ---------------------------------------------------------- - ---------------------------------------------------------- 50.1 - 60.0 11.8 54 10,794,086 - ---------------------------------------------------------- - ---------------------------------------------------------- 60.1 - 70.0 13.9 72 12,689,683 - ---------------------------------------------------------- - ---------------------------------------------------------- 70.1 - 80.0 23.8 149 21,802,717 - ---------------------------------------------------------- - ---------------------------------------------------------- 80.1 - 85.0 6.8 46 6,214,531 - ---------------------------------------------------------- - ---------------------------------------------------------- 85.1 - 90.0 7.6 78 6,983,109 - ---------------------------------------------------------- - ---------------------------------------------------------- 90.1 - 100.0 15.5 165 14,207,170 - ---------------------------------------------------------- - ---------------------------------------------------------- 100.1 >= 0.4 3 356,076 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- * - calculated as follows: current balance of the subject lien to the lesser of appraised value or sales prices, both at origination. 12. Property Type - ---------------------------------------------------------- - ---------------------------------------------------------- % Cur Property Type Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- Single Family 83.5 619 76,466,184 - ---------------------------------------------------------- - ---------------------------------------------------------- Townhouse 0.4 6 368,442 - ---------------------------------------------------------- - ---------------------------------------------------------- PUD Detached 5.7 27 5,216,016 - ---------------------------------------------------------- - ---------------------------------------------------------- Condo 4.6 39 4,256,440 - ---------------------------------------------------------- - ---------------------------------------------------------- Midrise Condo 0.4 1 388,763 - ---------------------------------------------------------- - ---------------------------------------------------------- Manufactured 0.4 8 372,790 - ---------------------------------------------------------- - ---------------------------------------------------------- PUD Attached 1.4 21 1,322,860 - ---------------------------------------------------------- - ---------------------------------------------------------- Unknown 0.2 4 228,278 - ---------------------------------------------------------- - ---------------------------------------------------------- 2-4 Family 3.2 33 2,942,018 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- 13. Occupancy Status - ---------------------------------------------------------- - ---------------------------------------------------------- % Cur Occupancy Status Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- Primary Residence 93.5 698 85,583,498 - ---------------------------------------------------------- - ---------------------------------------------------------- Non-Owner Occupied 3.7 45 3,364,401 - ---------------------------------------------------------- - ---------------------------------------------------------- Second/Vacation 2.9 15 2,613,893 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- 14. Loan Purpose - ---------------------------------------------------------- - ---------------------------------------------------------- % Cur Loan Purpose Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- Purchase 42.6 360 38,967,638 - ---------------------------------------------------------- - ---------------------------------------------------------- Rate & Term Refinance 26.4 140 24,171,979 - ---------------------------------------------------------- - ---------------------------------------------------------- Equity Refinance 26.1 240 23,854,932 - ---------------------------------------------------------- - ---------------------------------------------------------- Cons Perm 5.0 18 4,567,244 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- 15. Credit Score - ---------------------------------------------------------- - ---------------------------------------------------------- % Cur Credit Score Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- 0 - 0 1.4 7 1,304,495 - ---------------------------------------------------------- - ---------------------------------------------------------- 1 - 499 1.9 34 1,766,991 - ---------------------------------------------------------- - ---------------------------------------------------------- 500 - 519 4.0 44 3,635,714 - ---------------------------------------------------------- - ---------------------------------------------------------- 520 - 539 3.4 48 3,149,399 - ---------------------------------------------------------- - ---------------------------------------------------------- 540 - 559 4.8 69 4,370,005 - ---------------------------------------------------------- - ---------------------------------------------------------- 560 - 579 5.0 61 4,550,871 - ---------------------------------------------------------- - ---------------------------------------------------------- 580 - 599 3.2 47 2,941,482 - ---------------------------------------------------------- - ---------------------------------------------------------- 600 - 619 4.1 69 3,712,869 - ---------------------------------------------------------- - ---------------------------------------------------------- 620 - 639 4.8 51 4,381,930 - ---------------------------------------------------------- - ---------------------------------------------------------- 640 - 679 9.2 75 8,419,726 - ---------------------------------------------------------- - ---------------------------------------------------------- 680 - 699 4.9 28 4,515,695 - ---------------------------------------------------------- - ---------------------------------------------------------- 700 - 719 6.7 38 6,173,635 - ---------------------------------------------------------- - ---------------------------------------------------------- 720 - 739 8.0 36 7,322,303 - ---------------------------------------------------------- - ---------------------------------------------------------- 740 - 759 13.8 54 12,648,736 - ---------------------------------------------------------- - ---------------------------------------------------------- 760 or greater 24.8 97 22,667,940 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- 16. Current Delinquency - ---------------------------------------------------------- - ---------------------------------------------------------- Current % Cur Delinquency Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- 0 95.8 698 87,711,552 - ---------------------------------------------------------- - ---------------------------------------------------------- 1 - 1 4.2 60 3,850,240 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- 17. Geographic Distribution - ---------------------------------------------------------- - ---------------------------------------------------------- Geographic % Cur Distribution Bal Count Total - ---------------------------------------------------------- - ---------------------------------------------------------- MA 25.5 77 23,307,107 - ---------------------------------------------------------- - ---------------------------------------------------------- PA 18.3 198 16,739,241 - ---------------------------------------------------------- - ---------------------------------------------------------- MD 8.2 59 7,479,986 - ---------------------------------------------------------- - ---------------------------------------------------------- OH 7.9 36 7,251,137 - ---------------------------------------------------------- - ---------------------------------------------------------- CA 6.3 37 5,790,430 - ---------------------------------------------------------- - ---------------------------------------------------------- DE 3.8 22 3,506,466 - ---------------------------------------------------------- - ---------------------------------------------------------- Other 30.0 329 27,487,426 - ---------------------------------------------------------- - ---------------------------------------------------------- Total: 100.0 758 91,561,792 - ---------------------------------------------------------- - ---------------------------------------------------------- This information was prepared for informational purposes only. It is not an offer to buy or sell any MBS/ABS instrument. In the event of such offering, this information is deemed superseded & amended entirely by a Prospectus or Prospectus Supplement. It is not an official confirmation of terms and is based on information generally available to the public from sources believed to be reliable. No representation is made of accuracy or completeness or that any returns indicated will be achieved. Any changes to assumptions may have a material impact on returns. Past performance is not indicative of future results. The related security may only be transferred in accordance with U.S. or other relevant securities laws and according to the terms of such security. -- Residential Funding Corporation and affiliates, Residential Funding Securities Corporation and RFSC International Limited.