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RTC MORTGAGE PASS-THROUGH SERIES 1992-1 RATED 'AAA/AA' BY FITCH -- FITCH FINANCIAL WIRE --

 RTC MORTGAGE PASS-THROUGH SERIES 1992-1 RATED 'AAA/AA' BY FITCH
 -- FITCH FINANCIAL WIRE --
 NEW YORK, Jan. 30 /PRNewswire/ -- The Resolution Trust Corp.'s (RTC) $362.467 million mortgage pass-through certificates, Series 1992-1 Class A-1 are rated 'AAA', and $42.524 million Class B-1, $48.716 million Class A-2, and $23.549 million Class A-3 certificates are rated 'AA' by Fitch.
 The 'AAA' rating reflects the more-than-adequate loss protection provided by a 16.25% reserve fund and additional credit enhancement provided by subordination of Class B-1. The 'AA' ratings reflect the reserve fund. The ratings also reflect Fitch's confidence in the integrity of the legal and financial structures, RTC's indemnity to certificateholders for any realized losses caused by either a breach of the seller's representations and warranties or defective mortgage loan documentation, and the servicing capabilities of Ryland Mortgage Co.
 The three groups of mortgage loans are each evidenced by one or more classes of certificates. The respective groups of mortgage loans are predominantly indexed to the one-year Constant Maturity Treasury Index, the three-year Constant Maturity Treasury Index, and the five-year Constant Maturity Treasury Index. The mortgage loans typically have 30- year original terms, areadjustable rate, and are secured primarily by one-to four-family residences and individual condominium units located in Florida, Alabama, Pennsylvania, and New Jersey. The mortgage loans are generally seasoned approximately four years and have an original weighted average loan-to-value ratio (LTV) of approximately 78.6 percent. Approximately 38.5% of the pool have LTVs greater than 80 percent. Negative amortization may occur on approximately 3.5 percent, 5.0 percent, and 8.0 percent of the respective mortgage groups collateralizing the certificates. While LTVs and negative amortization increased credit enhancement levels, this was somewhat offset by favorable seasoning of the loans.
 The collateral has been sold and assigned to the trust, which issued the certificates pursuant to the Pooling and Servicing Agreement dated Jan. 1, 1992. The loans were originated by 37 originating institutions for which RTC, acting in its capacity as conservator or receiver, has entered into agreements to sell the mortgage loans. Consequently, there is limited information as to the underwriting standards used by these institutions at origination. Less emphasis, however, was placed on the origination policies; the credit analysis focused more on the characteristics of the pool, such as high LTVs and seasoning.
 Ryland Mortgage Co., a wholly owned mortgage banking subsidiary of The Ryland Group, Inc., will act as servicer and is expected to assume all servicing responsibilities no later than May 31, 1992. A real estate mortgage investment conduit election will be made for federal income tax purposes.
 -0- 1/30/92
 /CONTACT: Alexander K. Zabik, 212-908-0500, or Louis A. Colosimo, 212-908-0567, both of Fitch/ CO: Resolution Trust Corp. ST: IN: FIN SU: RTG


KD -- NY128 -- 5528 01/30/92 17:58 EST
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Date:Jan 30, 1992
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