Unique ID

Loan Id

Rating

Type

Exception

Credit Comments

Compliance Comments

Eligible For Predatory Testing - Unable to Test

Compliance Comp Factors

625488702

XXX

Critical

Compliance

[3]   Finance Charge underdisclosed >$35 for Refinance

Finance charges under disclosed by $145.76 which exceeds the $35.00 tolerance for refinance transactions. Unable to determine the reason for under disclosure due to missing itemization of amount financed.

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

625488702

XXX

Non Critical

Compliance

[2]   Affiliated Business Doc Missing

625488702

XXX

Non Critical

Compliance

[2]   Initial GFE Missing

625488702

XXX

Non Critical

Compliance

[2]   Initial TIL Missing

625488702

XXX

Non Critical

Credit

[2]   Manufactured (Double-Wide)

625489010

XXX

Critical

Credit

[3]   Missing Initial Application

625489010

XXX

Non Critical

Compliance

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

625489010

XXX

Non Critical

Compliance

[2]   Initial GFE Date not within 3 days of Initial Application Date

625489010

XXX

Non Critical

Compliance

[2]   Initial TIL Missing