8-K 1 rma02001.txt JULY 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D. C. 20549 Form 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 25, 2002 RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2002-1 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-82550-01 Pooling and Servicing Agreement) (Commission (State or other File Number) Pending jurisdiction IRS EIN of Incorporation) c/o Wells Fargo Bank Minnesota, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 Former name or former address, if changed since last report) ITEM 5. Other Events On July 25, 2002 a distribution was made to holders of RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION, Home Equity Loan Asset-Backed Certs., Series 2002-1 Trust. ITEM 7. Financial Statements and Exhibits (c) Exhibits furnished in accordance with Item 601(a) of Regulation S-K Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2002-1 Trust, relating to the July 25, 2002 distribution. Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2002-1 Trust By: Wells Fargo Bank Minnesota, NA as Trustee By: /s/ Beth Belfield, Assistant Vice President By: Beth Belfield, Assistant Vice President Date: 8/7/02 INDEX TO EXHIBITS Exhibit Number Description X-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2002-1 Trust, relating to the July 25, 2002 distribution. EX-99.1

Renaissance Mortgage Acceptance Corp. Mortgage Pass-Through Certificates Record Date: 46/30/02 Distribution Date: 57/2825/02 RMAC Series: 2002-1 Contact: Customer Service - CTSLink Wells Fargo Bank Minnesota, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution AF-1 759950AA6 SEN 2.~~01000~~00000% 3028,~~273~~458,~~396~~089.3522 5547,~~778~~430.7315 1501,~~074,140~~787.7735 AF-2 759950AB4 SEN 5.72000% 64,160,000.00 305,829.3332 0.00 AV-1 759950AC2 SEN 2.~~20000~~19000% 4847,~~747~~927,~~499~~844.3039 9887,~~307~~468.4631 ~~309~~910,~~235~~653.0338 M-1 759950AD0 SUB 2.~~90000~~89000% 12,250,000.00 3229,~~564~~502.5808 0.00 M-2 759950AE8 SUB 3.~~80000~~79000% 8,750,000.00 3027,~~479~~635.1742 0.00 B 759950AF5 SUB 4.~~85000~~84000% 7,000,000.00 3128,~~120~~233.8333 0.00 BIO RMA021BIO SEN 0.00000% 0.0001 ~~792~~799,~~468~~799.1067 0.00 P RMA02002P SEN 0.00000% 100.00 2430,~~201~~512.7095 0.00 R-1 RMA0201R1 RES 0.00000% 0.00 0.00 0.00 R-2 RMA0201R2 RES 0.00000% 0.00 0.00 0.00 Totals ~~171~~168,~~180~~546,~~995~~033.6562 1,~~370~~356,~~749~~411.9023 1,~~383~~412,~~375~~440.8073

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses AF-1 0.00 2927,~~199~~956,~~255~~301.5887 1549,~~129,919~~217.50 0.00 AF-2 0.00 64,160,000.00 305,829.3332 0.00 AV-1 0.00 4847,~~438~~017,~~264~~191.2701 ~~407~~998,~~542~~121.4969 0.00 M-1 0.00 12,250,000.00 3229,~~564~~502.5808 0.00 M-2 0.00 8,750,000.00 3027,~~479~~635.1742 0.00 B 0.00 7,000,000.00 3128,~~120~~233.8333 0.00 BIO 0.00 0.0001 ~~792~~799,~~468~~799.1067 0.0100 P 0.00 100.00 2430,~~201~~512.7095 0.00 R-1 0.00 0.00 0.00 0.00 R-2 0.00 0.00 0.00 0.00 Totals 0.00 ~~169~~167,~~797~~133,~~619~~592.8589 2,~~754~~768,~~125~~851.7096 0.0100 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.

Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) AF-1 30,550,000.00 3028,~~273~~458,~~396~~089.3522 ~~111~~51,~~547~~396.1216 ~~962~~450,~~593~~391.6519 0.00 0.00 AF-2 64,160,000.00 64,160,000.00 0.00 0.00 0.00 0.00 AV-1 48,790,000.00 4847,~~747~~927,~~499~~844.3039 3293,~~113~~274.3774 ~~277~~817,~~121~~378.6664 0.00 0.00 M-1 12,250,000.00 12,250,000.00 0.00 0.00 0.00 0.00 M-2 8,750,000.00 8,750,000.00 0.00 0.00 0.00 0.00 B 7,000,000.00 7,000,000.00 0.00 0.00 0.00 0.00 BIO 0.00 0.0001 0.00 0.00 0.00 0.00 P 100.00 100.00 0.00 0.00 0.00 0.00 R-1 0.00 0.00 0.00 0.00 0.00 0.00 R-2 0.00 0.00 0.00 0.00 0.00 0.00 Totals 171,500,100.00 ~~171~~168,~~180~~546,~~995~~033.6562 ~~143~~144,~~660~~670.4990 1,~~239~~267,~~715~~769.3183 0.00 0.00 (1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution AF-1 1501,~~074,140~~787.7735 2927,~~199~~956,~~255~~301.5887 0.~~95578578~~91509990 1501,~~074,140~~787.7735 AF-2 0.00 64,160,000.00 1.00000000 0.00 AV-1 ~~309~~910,~~235~~653.0338 4847,~~438~~017,~~264~~191.2701 0.~~99279082~~96366450 ~~309~~910,~~235~~653.0338 M-1 0.00 12,250,000.00 1.00000000 0.00 M-2 0.00 8,750,000.00 1.00000000 0.00 B 0.00 7,000,000.00 1.00000000 0.00 BIO 0.00 0.0001 0.00000000 0.00 P 0.00 100.00 1.00000000 0.00 R-1 0.00 0.00 0.00000000 0.00 R-2 0.00 0.00 0.00000000 0.00 Totals 1,~~383~~412,~~375~~440.8073 ~~169~~167,~~797~~133,~~619~~592.8589 0.~~99007301~~97453933 1,~~383~~412,~~375~~440.8073

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion AF-1 30,550,000.00 ~~990~~931.~~94587070~~52501538 31.~~65129689~~68236203 3114.~~50879378~~74275581 0.00000000 AF-2 64,160,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AV-1 48,790,000.00 ~~999~~982.~~12890551~~32925579 01.~~65819574~~91175938 516.~~67988645~~75299529 0.00000000 M-1 12,250,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-2 8,750,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 B 7,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 BIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 P 100.00 1000.00000000 0.00000000 0.00000000 0.00000000 R-1 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R-2 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All classes are per $1,000 denomination

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution AF-1 0.00000000 3516.~~16009067~~42511784 ~~955~~915.~~78578003~~09989755 0.~~95578578~~91509990 3516.~~16009067~~42511784 AF-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AV-1 0.00000000 618.~~33808219~~66475466 ~~992~~963.~~79082332~~66450113 0.~~99279082~~96366450 618.~~33808219~~66475466 M-1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 B 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 R-1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (3) Amount Does Not Include Excess Special Hazard, Bankrupcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Interest Distribution Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall AF-1 30,550,000.00 2.~~01000~~00000% 3028,~~273~~458,~~396~~089.3522 5547,~~778~~430.7315 0.00 0.00 AF-2 64,160,000.00 5.72000% 64,160,000.00 305,829.33 0.00 0.00 AV-1 48,790,000.00 2.~~20000~~19000% 4847,~~747~~927,~~499~~844.3039 9887,~~307~~468.4632 0.00 0.00 M-1 12,250,000.00 2.~~90000~~89000% 12,250,000.00 3229,~~564~~502.5808 0.00 0.00 M-2 8,750,000.00 3.~~80000~~79000% 8,750,000.00 3027,~~479~~635.1742 0.00 0.00 B 7,000,000.00 4.~~85000~~84000% 7,000,000.00 3128,~~120~~233.8333 0.00 0.00 BIO 0.00 0.00000% 0.0001 0.00 0.00 0.00 P 100.00 0.00000% 100.00 0.00 0.00 0.00 R-1 0.00 0.00000% 0.00 0.00 0.00 0.00 R-2 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 171,500,100.00 ~~554~~526,~~080~~098.1063 0.00 0.00

Interest Distribution Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance AF-1 0.00 0.00 5547,~~778~~430.7315 0.00 2927,~~199~~956,~~255~~301.5887 AF-2 0.0001 0.00 305,829.3332 0.00 64,160,000.00 AV-1 0.00 0.00 9887,~~307~~468.4631 0.00 4847,~~438~~017,~~264~~191.2701 M-1 0.00 0.00 3229,~~564~~502.5808 0.00 12,250,000.00 M-2 0.00 0.00 3027,~~479~~635.1742 0.00 8,750,000.00 B 0.00 0.00 3128,~~120~~233.8333 0.00 7,000,000.00 BIO 0.00 0.00 ~~792~~799,~~468~~799.1067 0.00 0.0001 P 0.00 0.00 2430,~~201~~512.7095 0.00 100.00 R-1 0.00 0.00 0.00 0.00 0.00 R-2 0.00 0.00 0.00 0.00 0.00 Totals 0.0001 0.00 1,~~370~~356,~~749~~411.9023 0.00 (4) Amount Does Not Include Excess Special Hazard, Bankrupcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Interest Distribution Factors Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (5) Amount Rate Balance Interest Shortfall Shortfall AF-1 30,550,000.00 2.~~01000~~00000% ~~990~~931.~~94587070~~52501538 1.~~82581768~~55254173 0.00000000 0.00000000 AF-2 64,160,000.00 5.72000% 1000.00000000 4.76666661 0.00000000 0.00000000 AV-1 48,790,000.00 2.~~20000~~19000% ~~999~~982.~~12890551~~32925579 21.~~01491002~~79275097 0.00000000 0.00000000 M-1 12,250,000.00 2.~~90000~~89000% 1000.00000000 2.~~65833306~~40833306 0.00000000 0.00000000 M-2 8,750,000.00 3.~~80000~~79000% 1000.00000000 3.~~48333371~~15833371 0.00000000 0.00000000 B 7,000,000.00 4.~~85000~~84000% 1000.00000000 4.~~44583286~~03333286 0.00000000 0.00000000 BIO 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 P 100.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 R-1 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R-2 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All classes are per $1,000 denomination

Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance AF-1 0.00000000 0.00000000 1.~~82581768~~55254173 0.00000000 ~~955~~915.~~78578003~~09989755 AF-2 0.~~00000000~~00000016 0.00000000 4.~~76666661~~76666646 0.00000000 1000.00000000 AV-1 0.00000000 0.00000000 21.~~01491002~~79275077 0.00000000 ~~992~~963.~~79082332~~66450113 M-1 0.00000000 0.00000000 2.~~65833306~~40833306 0.00000000 1000.00000000 M-2 0.00000000 0.00000000 3.~~48333371~~15833371 0.00000000 1000.00000000 B 0.00000000 0.00000000 4.~~44583286~~03333286 0.00000000 1000.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 ~~242017~~305129.~~00000000~~50000000 0.00000000 1000.00000000 R-1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (6) Amount Does Not Include Excess Special Hazard, Bankrupcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 2,~~866~~879,~~701~~682.8438 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Losses 0.00 Prepayment Penalties 0.00 Total Deposits 2,~~866~~879,~~701~~682.8438 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee ~~112~~110,~~576~~830.1442 Payment of Interest and Principal 2,~~754~~768,~~125~~851.7096 Total Withdrawals (Pool Distribution Amount) 2,~~866~~879,~~701~~682.8438 Ending Balance 0.00

PREPAYMENT/CURTAILMENT INTEREST SHORTFALL Total Prepayment/Curtailment Interest Shortfall 0.00 Servicing Fee Support 0.00 Non-Supported Prepayment/Curtailment Interest Shortfall 0.0001

SERVICING FEES Gross Servicing Fee 9493,~~618~~191.8955 FSA Fee 14,~~318~~054.0959 Trustee Fee- Wells Fargo Bank Minnnesota, N.A. 3,~~639~~584.1628 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~112~~110,~~576~~830.1442

LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 23 0 0 23 98194,~~284~~597.5391 0.00 0.00 98194,~~284~~597.5391 30 Days 2740 0 0 0 2740 13,~~889~~709,~~679~~150.9640 0.00 0.00 0.00 13,~~889~~709,~~679~~150.9640 60 Days 6 0 48 0 1014 ~~506~~362,~~359~~543.6749 0.00 ~~243~~915,~~820~~299.1456 0.00 ~~750~~1,~~179~~277,843.8105 90 Days 21 0 59 0 710 ~~213~~84,~~614~~825.5556 0.00 ~~342~~434,~~934~~159.4877 0.00 ~~556~~518,~~549~~985.0333 120 Days 03 0 010 02 015 0273,438.0038 0.00 0629,987.0078 0127,256.0017 01,030,682.0033 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 3550 23 927 02 4682 24,~~609~~429,~~654~~957.1883 98194,~~284~~597.5391 ~~586~~1,~~754~~979,447.6211 0127,256.0017 36,~~294~~731,~~693~~259.3302 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0.~~112233~~171233% 0.000000% 0.000000% 0.~~112233~~171233% 0.~~056698~~114002% 0.000000% 0.000000% 0.~~056698~~114002% 30 Days 12.~~515152~~283105% 0.000000% 0.000000% 0.000000% 12.~~515152~~283105% 12.~~090121~~172941% 0.000000% 0.000000% 0.000000% 12.~~090121~~172941% 60 Days 0.~~336700~~342466% 0.000000% 0.~~224467~~456621% 0.000000% 0.~~561167~~799087% 0.~~292109~~212390% 0.000000% 0.~~140655~~536212% 0.000000% 0.~~432764~~748602% 90 Days 0.~~112233~~057078% 0.000000% 0.~~280584~~513699% 0.000000% 0.~~392817~~570776% 0.~~123230~~049694% 0.000000% 0.~~197832~~254345% 0.000000% 0.~~321063~~304039% 120 Days 0.~~000000~~171233% 0.000000% 0.~~000000~~570776% 0.~~000000~~114155% 0.~~000000~~856164% 0.~~000000~~160189% 0.000000% 0.~~000000~~369067% 0.~~000000~~074551% 0.~~000000~~603807% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 12.~~964085~~853881% 0.~~112233~~171233% 01.~~505051~~541096% 0.~~000000~~114155% 24.~~581369~~680365% 12.~~505460~~595214% 0.~~056698~~114002% 01.~~338488~~159625% 0.~~000000~~074551% 13.~~900646~~943391% (7) The 90 day category for delinquent, bankruptcy, foreclosures, and REO contains loans that are 90 ~~says~~days or more delinquent.

COLLATERAL STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 10.~~189956~~021010% Weighted Average Net Coupon 9.~~539956~~371010% Weighted Average Pass-Through Rate 9.~~514956~~346010% Weighted Average Maturity(Stepdown Calculation ) ~~326~~324 Beginning Scheduled Collateral Loan Count 1,~~795~~767 Number Of Loans Paid In Full 1315 Ending Scheduled Collateral Loan Count 1,~~782~~752 Beginning Scheduled Collateral Balance ~~174~~172,~~680~~045,~~949~~986.0399 Ending Scheduled Collateral Balance ~~173~~170,~~297~~633,~~573~~546.2326 Ending Actual Collateral Balance at 30-~~Apr~~Jun-2002 ~~173~~170,~~345~~697,~~967~~210.8498 Monthly P &I Constant 1,~~626~~581,~~986~~399.5265 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Ending Scheduled Balance for Premium Loans ~~173~~170,~~297~~633,~~573~~546.2326 Scheduled Principal ~~143~~144,~~660~~670.4990 Unscheduled Principal 1,~~239~~267,~~715~~769.3183

Miscellaneous Reporting Required Overcollateralization Amount 3,499,953.38 Overcollateralization Amount 3,499,953.38 ~~Excess Interest 792,468.10~~ Delinquency Event NO Cumulative Loss Event NO

Group Level Collateral Statement Group 1 2 3 Collateral Description Mixed Fixed Fixed 15/30 & ARM Fixed 15/30 & ARM Weighted Average Coupon Rate 10.~~297672~~045512 9.~~883523~~876258 11.~~045764~~069751 Weighted Average Net Rate 9.~~647672~~395512 9.~~233522~~226258 10.~~395760~~419753 Weighted Average Maturity ~~316~~314 ~~351~~349 ~~351~~349 Beginning Loan Count 1,~~141~~124 ~~556~~549 9894 Loans Paid In Full 98 35 12 Ending Loan Count 1,~~132~~116 ~~553~~544 9792 Beginning Scheduled Balance ~~115~~113,~~224~~409,~~473~~166.2815 5453,~~459~~853,~~284~~417.9177 4,~~997~~783,~~190~~403.8407 Ending scheduled Balance ~~114~~112,~~150~~907,~~332~~378.5180 5453,~~196~~031,~~551~~617.8406 4,~~950~~694,~~688~~550.8840 Record Date 0406/30/2002 0406/30/2002 0406/30/2002 Principal And Interest Constant 1,~~098~~060,~~756~~354.4766 ~~474~~469,~~612~~513.7421 5351,~~617~~531.3178 Scheduled Principal ~~109~~110,~~969~~977.9102 26,~~071~~288.4300 7,~~619~~405.1588 Unscheduled Principal ~~964~~390,~~170~~810.8633 ~~236~~795,~~661~~512.6471 3881,~~882~~446.8179 Scheduled Interest ~~988~~949,~~786~~377.5664 ~~448~~443,~~541~~225.3121 4544,~~998~~125.1690 Servicing Fees 6261,~~413~~429.2696 29,~~498~~170.8059 2,~~706~~591.8300 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 2,~~400~~362.4969 1,~~134~~121.5793 ~~104~~99.1066 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 0.00 0.00 0.00 Pool Insurance Fee 0.00 0.00 0.00 Spread Fee 1 0.00 0.00 0.00 Spread Fee 2 0.00 0.00 0.00 Spread Fee 3 0.00 0.00 0.00 Net Interest ~~923~~885,~~972~~584.8199 ~~417~~412,~~907~~932.9469 4341,~~187~~435.2324 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 Percentage of Cumulative Losses 0.00 0.00 0.00 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 9.~~622673~~370512 9.~~208523~~201258 10.~~370764~~394751

Group Level Collateral Statement Group Total Collateral Description Mixed Fixed & Arm Weighted Average Coupon Rate 10.~~189956~~021010 Weighted Average Net Rate 9.~~539956~~371010 Weighted Average Maturity ~~326~~324 Beginning Loan Count 1,~~795~~767 Loans Paid In Full 1315 Ending Loan Count 1,~~782~~752 Beginning Scheduled Balance ~~174~~172,~~680~~045,~~949~~986.0399 Ending scheduled Balance ~~173~~170,~~297~~633,~~573~~546.2326 Record Date 0406/30/2002 Principal And Interest Constant 1,~~626~~581,~~986~~399.5265 Scheduled Principal ~~143~~144,~~660~~670.4990 Unscheduled Principal 1,~~239~~267,~~715~~769.3183 Scheduled Interest 1,~~483~~436,~~326~~728.0375 Servicing Fees 9493,~~618~~191.8955 Master Servicing Fees 0.00 Trustee Fee 3,~~639~~584.1628 FRY Amount 0.00 Special Hazard Fee 0.00 Other Fee 0.00 Pool Insurance Fee 0.00 Spread Fee 1 0.00 Spread Fee 2 0.00 Spread Fee 3 0.00 Net Interest 1,~~385~~339,~~067~~952.9892 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Percentage of Cumulative Losses 0.00 Prepayment Penalties 0.00 Special Servicing Fee 0.00 Pass-Through Rate 9.~~514956~~346010

Filing Compare · RENAISSANCE HOME EQUITY LOAN ASSET-BKD CERT SERIES 2002-1