Item 3. Legal Proceedings There were no legal proceedings.
Item 4.
Item 4. Submission of Matters to a Vote of Security Holders There were no matters submitted to a vote of the Security Holders.
PART II
Item 5.
Item 5. Market for Registrant's Common Equity and Related Stockholder matters 1. Number of Certificateholders of record as of the end of the reporting year: There were two Certificateholders of record as of the end of the reporting year. They are:
Class A-1: Cede & Co. Class A-2: Cede & Co.
2. Principal market in which the Certificates are traded: The Certificates are not traded on any public market.
3. Aggregate Principal and Interest distributed on the certificates:
For the period commencing January 1, 1996 and ending December 31, 1996, the following amounts were distributed to the Certificateholders:
Principal Interest $15,546,224.76 $1,984,879.27
Item 9.
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosures: Information required by Item 304 of Reg. S-K.
There were no changes in and/or disagreements with Accountants on Accounting and Financial Disclosures.
PART IV
Item 14.
Item 14. Exhibits, Financial Statement Schedules, and Reports on Form 8-K
EXHIBIT A -- DISTRIBUTIONS TO CERTIFICATEHOLDERS FOR THE PERIOD ENDING DECEMBER 31, 1996
EquiVantage Home Equity Loan Trust 1995-1 Summary of Principal and Interest Distributions
Date Principal Interest 01/25/96 $ 1,261,291.39 $ 216,690.13 02/26/96 $ 905,323.02 $ 212,124.07 03/25/96 $ 1,522,017.23 $ 186,124.65 04/25/96 $ 1,750,681.44 $ 190,841.27 05/28/96 $ 1,861,366.28 $ 187,138.80 06/25/96 $ 1,375,560.06 $ 157,285.12 07/25/96 $ 1,199,464.66 $ 157,362.64 08/26/96 $ 1,459,001.79 $ 156,152.43 09/25/96 $ 1,440,495.19 $ 140,108.72 10/25/96 $ 1,126,200.99 $ 133,004.88 11/25/96 $ 992,336.37 $ 127,087.76 12/26/96 $ 652,486.34 $ 120,958.80 Total $15,546,224.76 $1,984,879.27
SIGNATURES
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 thereunto duly authorized.
(Registrant) EquiVantage Home Equity Loan Trust 1995-1
(Printed Name, Title)
Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.
By (Signature and Title) /s/ Donna Fanning, Assistant Vice President
(Printed Name, Title) Donna Fanning, Assistant Vice President
Date March 4, 1997