Vendor Loan ID

Seller Loan ID

Investor Loan ID

Borrower Last Name

Overall Event Level Grade

Final Credit Event

Open Credit Exception(s)

Closed Credit Exception(s)

Final Compliance Event

Open Compliance Exception(s)

Close Compliance Exception(s)

Subject to Predatory Lending

Fees Captured for Testing

State

Origination Date

Purpose at Origination

Occupancy at Origination

2SA4ZMS0DHX

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is missing. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The GFE is missing from the loan file. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file is missing the HUD-1. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The servicing transfer disclosure is missing. *** (OPEN) Right of Rescission missing or unexecuted - EV 3 COMMENT:   The ROR is missing from the loan file.

1

No

No

Wisconsin

9-2006

Refinance

Primary

XUHFRL2105P

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file is missing the credit report.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

8-2006

Cash Out

Primary

1HGNH35VVVP

3

3

*** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file did not contain a HUD.

1

No

No

Connecticut

10-2006

Cash Out

Primary

BYOD0GDBLEP

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

California

8-2006

Cash Out

Primary

RBNFE4RFJWG

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment.

1

No

Yes

California

9-2006

Cash Out

Primary

DMBFGZGK0XU

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

8-2006

Refinance

Primary

SGEBJMH0EWT

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not include the initial loan application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not include the initial Notice of Servicing Transfer disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

10-2006

Refinance

Primary

RY0NPQYMMCR

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not located in the loan file.

1

No

Yes

North Carolina

10-2006

Cash Out

Primary

WSS3TKNCTVY

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the first lien Note. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the Good Faith Estimate.

1

No

Yes

New Jersey

10-2006

Cash Out

Primary

0FRSBOMN2V5

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

10-2006

Cash Out

Primary

GVBBMZ4IOWE

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the Good Faith Estimate. *** (OPEN) Not all borrowers signed TIL - EV 3 COMMENT:   The final TIL is in the loan file; however, it is not signed by the borrower. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Servicing Transfer Disclosure is missing from the loan file.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Virginia

10-2006

Cash Out

Primary

PJNVXR4VAJ3

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity.

1

No

Yes

California

10-2006

Cash Out

Primary

#N/A

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) Right of Rescission missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of right to cancel. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the 1008.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of thenotice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last..  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Washington

12-2006

Cash Out

Primary

HEXAYALHWBM

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Virginia

11-2006

Cash Out

Primary

ARLENCHBURQ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Georgia

12-2006

Cash Out

Primary

ZHJ5VZGBZXN

3

1

1

No

Yes

Kentucky

8-2006

Purchase

Primary

5IY02QL5MQQ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer. *** (OPEN) Not all borrowers signed TIL - EV 2 COMMENT:   The final TIL is not executed. The statute of limitations has expired; downgraded based on Client Compliance Profile.

1

No

Yes

Texas

11-2006

Purchase

Primary

R5DZWRR0EQL

3

3

*** (OPEN) Missing Doc - EV 3 COMMENT:   The 1st lien note for $302,400 is missing from the loan file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the interest rate test. The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located. The loan data interest rate is 10.316% and the comparison data interest rate is 10.235% for an overage of .081%.

No

Yes

Minnesota

11-2006

Refinance

Primary

AGW5XWHNOMR

3

3

*** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file is missing the final HUD-1 for the 2nd subject lien $51,799. The loan file did not contain a final HUD; however, the preliminary HUD was used for the points and fees test on page PV1_Loan-Documents Page 40. *** (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 3 COMMENT:   The loan file is missing the initial escrow account disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

1

No

Yes

California

12-2006

Purchase

Primary

TFBW03ZOP1J

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain a credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

9-2006

Purchase

Primary

I4LWBNY34SY

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Servicing Transfer disclosure.

1

No

Yes

New Jersey

11-2006

Cash Out

Primary

BRPROY1RKFW

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final loan application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure. *** (OPEN) Credit report >90 days old at closing - EV 2

1

No

Yes

New Jersey

12-2006

Purchase

Primary

KFCUKD0ZXOI

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The 1008 is not found in the file.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ). The finance charge is $47,984.13. The disclosed finance charge of $47,534.38 is not considered accurate because it is understated by more than $100. The loan data reflects $47,534.38 where as the comparison data reflects $47,984.13 with a variance of $449.75. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ). The annual percentage rate (APR) is 9.657%. The disclosed APR of 9.490% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data reflects 9.490% where as the comparison data reflects 9.657% with a variance of 0.167%. The statute of limitations has expired downgraded based on Client Compliance Profile. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

11-2006

Purchase

Primary

TIMHBVBRGQY

3

3

*** (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 3 COMMENT:   The initial escrow disclosure is not found in the file. - No ESCROWS on 2nd lien *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

1

No

Yes

California

12-2006

Purchase

Primary

DMP20STKQSX

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

1

No

Yes

New York

11-2006

Purchase

Primary

WZLYDTKDNCD

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a Balloon Program Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a Notice of Servicing Transfer. *** (OPEN) Credit report >90 days old at closing - EV 2

1

No

Yes

California

12-2006

Purchase

Primary

EXMTNIOC5RC

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial service transfer disclosure is missing. *** (OPEN) Credit report >90 days old at closing - EV 2

1

No

Yes

California

12-2006

Purchase

Primary

UVPNE40LHOZ

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial servicing transfer dirclosure is missing.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

11-2006

Purchase

Primary

LYAF4TSTN2P

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is missing. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is misisng. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is missing.

1

No

Yes

New Jersey

10-2006

Cash Out

Primary

O0V31RYOATC

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

1

No

Yes

Connecticut

10-2006

Purchase

Primary

KCYMYB0SZA1

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The file is missing the balloon disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the servicing disclosure.

1

No

Yes

New Jersey

12-2006

Purchase

Primary

WH301AF0SCN

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure.

1

No

Yes

New Jersey

11-2006

Purchase

Primary

VEM1VGOVHV3

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment, with PPP.

1

No

Yes

Georgia

10-2006

Purchase

Primary

DKGZAOUVWXM

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final signed loan applications for both borrowers. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

1

No

Yes

New Jersey

12-2006

Purchase

Primary

KYBBFWZDLQT

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon with a prepayment penalty which requires a balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

34G32VFK5OB

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

1

No

Yes

New Jersey

11-2006

Cash Out

Primary

KQY4GPWJ5XK

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not include the application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Notice of Servicing Transfer.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ) Fail is due to missing initial loan application. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Minnesota

11-2006

Purchase

Primary

LUXZJVSWPL2

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the GFE. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the servicing transfer disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

10-2006

Purchase

Primary

SPEKCJEF54Z

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Transfer Disclosure is missing. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan flle is missing the 1008.

1

No

Yes

Illinois

11-2006

Purchase

Primary

HWXHJ1NCRDZ

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan file did not contain the initial TIL and unable to test for timing of disclosure dates. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

11-2006

Cash Out

Primary

G1Y4IHVKH2D

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the signed final loan application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

DNMGMUWIG0X

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

1

No

Yes

California

12-2006

Purchase

Primary

UOARCEQEGTA

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prohibited fees test in the State of VA. The loan failed the prohibited fees test due to one of the following findings:  The loan is a junior lien mortgage and in addition to the loan fee charges a fee not explicitly permitted by law. (Va. Code §6.2.328). The loan data reflects $303.39 charge for (Mortgage Tax fee) whereas the max allowed is $0.00 resulting in an overage of $303.39.

No

Yes

Virginia

11-2006

Cash Out

Primary

WGJSEE5TZFZ

3

3

*** (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 3 COMMENT:   The Initial escrow account disclosure is not found in the file. No ESCROWS on 2nd lien

1

No

Yes

California

11-2006

Purchase

Primary

UQIDDOF554H

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing transfer is missiing.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

11-2006

Purchase

Primary

OE0YVLVPU4K

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Good Faith Estimate. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

11-2006

Purchase

Primary

FEGGVQFDB03

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing a Credit Report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

11-2006

Purchase

Primary

RAIDP0AM51C

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

1

No

Yes

California

10-2006

Cash Out

Primary

112VXDIAMYW

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan file did not contain the initial TIL and unable to test for timing of disclosure dates. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

XUTMKRSAQHP

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain the credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

California

11-2006

Purchase

Primary

FCSD4LL4ZAZ

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

1

No

Yes

New Jersey

10-2006

Cash Out

Primary

L4JIWPIIGTB

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Good Faith Estimate. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prohibited fees test.  The loan failed the VA prohibited fees test due to one of the following findings:   The loan is a junior lien mortgage and in addition to the loan fee charges a fee not explicitly permitted by law. (Va. Code §6.2.328).  The VA Prohibited Fees loan data is $347.37 and the comparison data is $0.00 for an over charged amount of $347.37. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Virginia

11-2006

Purchase

Primary

EOKKUU0TD1W

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

California

10-2006

Cash Out

Primary

G1B24R3MM53

3

3

*** (OPEN) Final Application is missing - EV 3 COMMENT:   The final signed and dated application is misisng.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

11-2006

Cash Out

Primary

#N/A

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

11X4T0GWAIO

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final application. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain a credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

Connecticut

11-2006

Cash Out

Primary

MPZAPMQFKP0

3

1

1

No

Yes

California

11-2006

Purchase

Primary

FLR1XA5WDBG

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the mortgage balloon disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial servicing transfer notice.

*** (CURED) ROR Transaction date not consistent with Note and/or HUD - EV R COMMENT:   The ROR transaction is before the HUD closing date.

1

No

Yes

California

11-2006

Refinance

Primary

FENWO5FKQPL

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The credit report is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The 1008 is not found in the file.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for the timing of disclosure date. The statue of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

11-2006

Purchase

Primary

0S3U3IBLNWT

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the signed final loan application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Servicing Disclosure is missing.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

JISLEGTDXYG

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain the credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

California

11-2006

Cash Out

Primary

NKYK3S314DK

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Illinois

12-2006

Cash Out

Primary

IC1SL3RDJNY

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Final application.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test in the State of VA. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. Loan data a term of 36 months whereas the comparison data is 0 months allowed variance of 36 months.

No

Yes

Virginia

11-2006

Purchase

Primary

M4LLBV3Q3HM

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Good Faith Estimate. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain a credit report. *** (OPEN) ROR Transaction date not consistent with Note and/or HUD - EV 3 COMMENT:   The borrower crossed through the ROR transaction dates, changed dates to agree with final HUD-1 and initialed/signed ROR.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

11-2006

Refinance

Primary

Y5CSFRZ13TZ

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing.

1

No

Yes

New Mexico

11-2006

Purchase

Primary

ZQD5YFVLXWJ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

MEVFDMH2A2I

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing a GFE. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file did not contain a final HUD; however, the preliminary HUD was used for the points and fees test. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the  balloon disclosure. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file is missing the credit report. *** (OPEN) Missing legal documents for senior or subordinate lien - EV 3 COMMENT:   The loan file is missing the first lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is missing the 1008. *** (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT:   The final TIL is unexecuted. The statute of limitations has expired downgraded based on Client Compliance Profile

1

No

Yes

California

11-2006

Cash Out

Primary

PBDYWAWD4ZJ

3

3

*** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file is missing a HUD. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon with a prepayment penalty which requires a balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing a notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

No

California

11-2006

Purchase

Primary

0CHTOFAQPWS

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file. *** (OPEN) Right of Rescission missing or unexecuted - EV 3 COMMENT:   The right of rescission is not found in the file.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   The right of rescission is not found in the file.

No

Yes

New York

12-2006

Cash Out

Primary

M1TKSTOSTH3

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon with a prepayment penalty which requires a balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The statute of limitations has expired downgraded based on Client Compliance Profile. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

11-2006

Cash Out

Primary

HJBHGZE02FH

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is misisng.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

11-2006

Purchase

Primary

TPNVVKSNSJZ

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Transfer Disclosure is missing. *** (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b) , 226.19(a). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

11-2006

Purchase

Primary

XG2TQMYRO5E

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

11-2006

Cash Out

Primary

ORXUBOFELKN

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

New York

11-2006

Purchase

Primary

OI1D1GDXCJI

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial application.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) ,transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ) The date creditor received the application (formerly application date) Or, the application date of the loan is before July 30, 2009, and the loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

11-2006

Purchase

Primary

1E10BDQWOWK

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the prepayment loan program disclosure.

1

No

Yes

California

11-2006

Purchase

Primary

T3PB3RKX5QI

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The file is missing a GFE. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the mortgage balloon disclosure.

1

No

Yes

California

11-2006

Purchase

Primary

H1UEU335TOO

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b), 226.19(a), as amended in 2009 ). Fail is due to missing initial loan application. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Texas

11-2006

Purchase

Primary

E3UAINYMFCL

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   Missing the HUD-1 Settlement Statement. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The statute of limitations has expired; downgraded based on Client Compliance Profile. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

11-2006

Cash Out

Primary

5QGN3BAZ54X

3

1

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test. (12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1)). The finance charge is $76,718.03. The disclosed finance charge of $76,346.92 is not considered accurate because it is understated by more than $100. Loan data reflects $76,346.92 and comparison data reflects $76,718.03 for an under-disclosure of $371.11. This loan failed the TILA rescission finance charge test. (12 CFR §1026.23(g)(1), transferred from 12 CFR §226.23(g)(1)). The finance charge is $76,718.03. The disclosed finance charge of $76,346.92 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. Loan data reflects $76,346.92 and comparison data reflects $76,718.03 for an under-disclosure of $371.11. This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The loan file did not contain the final HUD-1 and the estimated HUD-1 with a funding date of 11/23/2006 was used to complete the points and fees test. The ROR rescission date is 11/27/2006. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

11-2006

Cash Out

Primary

T4KOTWE2EWF

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. Loan has a PPP for the first 36 months. No PPP term is allowed. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Virginia

12-2006

Purchase

Primary

I4IDVQKLOGD

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Good Faith Estimate. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain the credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

11-2006

Refinance

Primary

ZSHO2MEDBTC

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Credit Report. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing a copy of the 1st Lien Note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Georgia

1-2007

Cash Out

Primary

T21U2OSZ4X5

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain the credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

New York

12-2006

Purchase

Primary

BK15UN2MHN0

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Kentucky

12-2006

Purchase

Primary

4JIXUVDDNZC

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial TIL. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure. *** (OPEN) Required Affiliated Business Disclosure missing/unexecuted - EV 3 COMMENT:   The loan file is missing the initial Affiliated Business Disclosure.  The file contains the final; however, the initial dated at application is missing.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Illinois

10-2006

Cash Out

Primary

C2EBFVSPOJK

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain an Final 1003. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a GFE. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a Notice of Servicing Transfer.

1

No

Yes

Virginia

11-2006

Refinance

Primary

2TDT4Y20ATE

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final application dated 12/XX/2006. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon with a prepayment penalty which requires a loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing a notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

5F0A1XPONK2

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

SOHRLKLWNJ1

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The Final GFE is misisng. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing transfer is misisng.

1

No

Yes

Georgia

11-2006

Purchase

Primary

ALJGTHNHMFL

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Credit Report. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing copy of the 1st lien Note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan file is missing the initial TIL and unable to test for timing of disclosure date. The Statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Connecticut

12-2006

Purchase

Primary

J30GN32REER

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment.

1

No

Yes

New York

12-2006

Purchase

Primary

UZYSUOVZ4VL

3

1

1

No

Yes

California

11-2006

Purchase

Primary

S1N2WPX4K14

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is misisng.

1

No

Yes

New York

12-2006

Refinance

Primary

314ZNUTJCTT

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing. *** (OPEN) Not all borrowers signed TIL - EV 2 COMMENT:   Not all borrowers signed the final TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.

1

No

Yes

New York

1-2007

Purchase

Primary

KMWX0O1NCQB

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

11-2006

Purchase

Primary

JRAOPGPJSOR

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain a credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: (12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b), 226.19(a), as amended in 2009). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The application date is 11/06/2006 and the initial TIL is dated 11/XX/2006. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

12-2006

Purchase

Primary

25QAMXIIZYK

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

3

*** (OPEN) Missing initial TIL disclosure - EV 3 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

12-2006

Cash Out

Primary

BONAVQFOCVR

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing Credit Report. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing copy of 1st Lien Note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Cash Out

Primary

GNYL4IGQQZD

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is misisng.

1

No

Yes

California

12-2006

Refinance

Primary

FGZIGJACW0W

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the HUD-1 settlement statement. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing copy of 1st lien Note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

1

No

Yes

Texas

12-2006

Purchase

Primary

NXFDRXHL0CJ

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the credit report. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing copy of first lien Note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the 1008.

1

No

Yes

California

12-2006

Purchase

Primary

3OAX0UL50GY

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain the credit report.

1

No

Yes

Illinois

12-2006

Purchase

Primary

CJ2PFCD5S5C

3

3

*** (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 3 COMMENT:   The initial escrow dislcouse is missing. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The program is a balloon note and no disclosure was in the file. *** (OPEN) Not all borrowers signed TIL - EV 3 COMMENT:   The TIL is unsigned. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing.

*** (CURED) TIL not hand dated - EV R COMMENT:   The TIL is unsigned and hand dated.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Connecticut

12-2006

Cash Out

Primary

SQQIXTMYTPK

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The final signed 1003 is not located in the loan file.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Connecticut

12-2006

Purchase

Primary

WAOHX11QO3K

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

1

No

Yes

California

11-2006

Cash Out

Primary

OVGLCKKOR1P

3

1

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prohibited fees test in the state of VA. The loan failed the prohibited fees test due to the following finding: The loan is a junior lien mortgage and in addition to the loan fee charges a fee not explicitly permitted by law. (Va. Code §6.2.328). The loan data reflects a Loan Fee charge in the amount of $1,485 whereas the max allowed is $0.00 resulting in an over charge of $1,485.

No

Yes

Virginia

12-2006

Cash Out

Primary

53YWVQ45MXA

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The GFE is missing. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Missing credit report - EV 3 COMMENT:   The credit report is missing. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing.

1

No

Yes

Minnesota

11-2006

Purchase

Primary

RDB0SD2KEW0

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan file did not contain the initial TIL and unable to test for timing of disclosure dates. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

VH5VTFUBG3R

3

1

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

1-2007

Purchase

Primary

CO13RKC3SUT

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the first lien Note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

1

No

Yes

California

11-2006

Purchase

Primary

SI0SY1WFEEJ

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial balloon disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the state of Virginia  prepayment term test. The loan has a prepay.  Loan data reflects 24 months and comparison data reports zero months. PPP expired on 12/XX/2008. This loan failed the state of Virginia prohibited fees test. The loan failed the prohibited fees test due to: The loan is a junior lien mortgage and in addition to the loan fee charges a fee not explicitly permitted by law. (Va. Code §6.2.328). Loan Data reflects the amount of $295 and comparison data reflects $0.00. Prohibited Fee was Processing Fee $295.00.

No

Yes

Virginia

12-2006

Purchase

Primary

5GGM1LFEC2I

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file did not contain the 1008.

1

No

Yes

Washington

11-2006

Cash Out

Primary

WKWNVVDVBPP

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon program disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $68,512.79. The disclosed finance charge of $68,386.15 is not considered accurate because it is understated by more than $100. The difference results in an under disclosed amount of $126.64. The statute of limitations has expired downgraded based on Client Compliance Profile. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

12-2006

Purchase

Primary

5CB5GLQXWDT

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application that corresponds to the initial GFE/TIL dated 6/XX/2006.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   Fail is due to missing initial loan application.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Georgia

12-2006

Purchase

Primary

IKCDVABU210

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ). Fail is due to missing initial loan application. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New York

10-2006

Purchase

Primary

3J5ON2BX0BJ

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is missing the 1008.

1

No

Yes

Connecticut

12-2006

Purchase

Primary

JOIQQBMZXIG

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial 1003. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing a GFE. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file is missing a HUD. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file is missing the credit report. *** (OPEN) Missing legal documents for senior or subordinate lien - EV 3 COMMENT:   The loan file is missing the senior lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer. *** (OPEN) Right of Rescission missing or unexecuted - EV 3 COMMENT:   The file contains an un-executed right of rescission. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is missing the 1008. *** (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT:   The loan file contains an un-executed TIL.  The statue of limitations has expired downgraded based on client compliance profile. *** (OPEN) TIL not hand dated - EV 2 COMMENT:   The TIL in the loan file is not hand dated.  The statute of limitations has expired downgraded based on client compliance profile.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

No

California

12-2006

Refinance

Primary

IBHTXITBOVR

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon with a prepayment penalty which requires a loan program disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test in the state of IL. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. The loan data prepayment term is 24 months and the comparison data prepayment term is 0 months for an overage of 24 months. *** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $35,600.58. The disclosed finance charge of $35,428.63 is not considered accurate because it is understated by more than $100. The loan data finance charge is $35,428.63 and the comparison data finance charge is $35,600.58 for an under disclosure of $171.95. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Illinois

12-2006

Purchase

Primary

JPBGGKKS2OH

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not include the final application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not include the Notice of Servicing Transfer.

1

No

Yes

New York

12-2006

Purchase

Primary

O2WNHICRK4Z

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file. *** (OPEN) Credit report >90 days old at closing - EV 2

*** (CURED) ROR Transaction date not consistent with Note and/or HUD - EV R COMMENT:   The ROR date is 11/XX/2006 and the note date is 11/XX/2006.

1

No

Yes

California

11-2006

Cash Out

Primary

G4BUTT2RHLQ

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment.

1

No

Yes

California

11-2006

Cash Out

Primary

DK00LQDM52H

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain a final application. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file did not contain a HUD-1 Settlement Statement. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

No

New York

12-2006

Purchase

Primary

LYVDQUHKPKS

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is misisng.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Illinois

11-2006

Purchase

Primary

SJDTTZ0NSEA

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment.

1

No

Yes

Massachusetts

12-2006

Refinance

Primary

F0KH3KLE4ZZ

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the signed final 1003 for both borrowers. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

5Z0AKPL20BM

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file is missing the credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

12-2006

Purchase

Primary

PTVOGZHLT3E

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment, with PPP.

1

No

Yes

New Jersey

12-2006

Refinance

Primary

ZZENBEOMZGF

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial loan application is not located in the loan file. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a Good Faith Estimate.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA right of rescission test.  Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )   The funding date is before the third business day following consummation.  The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Cash Out

Primary

0QE1QZGIPZD

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the prepayment loan program dislosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the VA prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lenders license type in the state where the property is located. The loan data reflects a prepayment term of 36 months whereas the max allowed is 0 resulting in a variance of 36 months.

No

Yes

Virginia

12-2006

Cash Out

Primary

#N/A

3

1

1

No

Yes

Minnesota

11-2006

Cash Out

Primary

U14SROMHSK1

3

1

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is misisng.

1

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the New Jersey Secondary Mortgage Lender License prohibited fees test. ( N.J.S.A. §17:11C-28, N.J.A.C. §§3:15-9.2 ) The loan does charge fee(s) not provided for in this act, which is prohibited. A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act. A secondary lender shall have authority to collect only the following: (1) no more than three discount points; (2) reasonable attorney fees at the time the execution of the loan; (3) title examination, abstract of title, survey, and title insurance; (4) credit report fee; (5) appraisal fee; (6) recording fees; (7) application fee; (8) returned check fee not to exceed $20, a late charge not to exceed 5% of the late payment, and (9) on open-end loans, the lesser of an annual fee of $50 or 1% or the line of credit. The loan data reflected prohibited fees of $345.86 whereas the comparison data reflects $0.00 resulting in a variance of $345.86 in the state of New Jersey.

No

Yes

New Jersey

12-2006

Purchase

Primary

WU3JNK1AV0R

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Notice of Servicing transfer.

1

No

Yes

California

12-2006

Purchase

Primary

YW4Q2VPV5EM

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Credit Report. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is missing copy of 1st Lien Note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the 1008.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

12-2006

Refinance

Primary

JZORSFZCSTZ

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of Servicing Transfer is missing.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prohibited fees test in the State of VA. The loan failed the prohibited fees test due to one of the following findings: The loan is a junior lien mortgage and in addition to the loan fee charges a fee not explicitly permitted by law. (Va. Code §6.2.328) The loan data reflects a Loan Fee charge in the amount of $862.63 whereas the max allowed is $0.00 resulting in an over charge of $862.63.

No

Yes

Virginia

12-2006

Purchase

Primary

HG3VDRAWYPE

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

1

No

Yes

Illinois

12-2006

Purchase

Primary

5Z2L4GMFTI4

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon with a prepayment penalty which requires a balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing a notice of servicing transfer dated 11/XX/2006.

1

No

Yes

California

11-2006

Cash Out

Primary

DMCGH45XHY4

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is misisng.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Connecticut

12-2006

Cash Out

Primary

HCXCCGXFSC4

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Good Faith Estimate. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment, with PPP. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

#VALUE!

Purchase

Primary

#N/A

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: (12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b), 226.19(a), as amended in 2009). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The loan file did not contain the initial application. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

12-2006

Purchase

Primary

#N/A

3

2

*** (OPEN) Credit report >90 days old at closing - EV 2

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New York

1-2007

Purchase

Primary

#N/A

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment, with PPP. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

California

12-2006

Purchase

Primary

EE0GTBI0DGP

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

1

No

Yes

California

12-2006

Cash Out

Primary

TLI0MAS3R2I

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of thenotice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.The statute of limitations has expired; downgraded based on Client Compliance Profile. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

1-2007

Refinance

Primary

HUAQ4U5QXSO

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The Good Faith Estimate is not located in the loan file. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   Page 2 of the HUD-1 Closing Statement is not located in the loan file. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan program disclosure for a fixed rate balloon with a prepayment penalty is not located in the loan file. *** (OPEN) Missing credit report - EV 3 COMMENT:   The credit report is not located in the loan file.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

12-2006

Purchase

Primary

4QPSS2U1EI5

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Missing credit report - EV 3 COMMENT:   The credit report is missing. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan program disclosure for the balloon payment is missing.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b) , 226.19(a). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

12-2006

Purchase

Primary

KVLXHO5VIXW

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing an initial loan application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing a good faith estimate of closing costs. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Indiana

12-2006

Purchase

Primary

QWOOJP4BKRE

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Virginia

12-2006

Purchase

Primary

FTTGU1JQGUW

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The Final 1003 is not located in the loan file. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The Good Faith Estimate is not located in the loan file.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

Yes

Massachusetts

12-2006

Purchase

Primary

QGM4M0NLVPS

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

1

No

Yes

California

12-2006

Cash Out

Primary

AFJCATXWCS4

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

1

No

Yes

California

12-2006

Cash Out

Primary

GSOO3LODKAO

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the loan program disclosure for a fixed rate balloon with a prepayment penalty.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Texas

12-2006

Purchase

Primary

0T2R2K4O1ME

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing disclosure is not found in the file.

1

No

Yes

California

11-2006

Cash Out

Primary

A1EF5QZSJEB

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan did not contain the Notice of Servicing Transfer.

1

No

Yes

New York

1-2007

Purchase

Primary

XHNWIE0NMN0

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing a final signed loan application dated 1/XX/2007. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon with a prepayment penalty which requires a balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing a notice of servicing transfer.

1

No

Yes

New York

1-2007

Refinance

Primary

UYY2A2JSCII

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final signed loan application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

UKMZ5HVZU0H

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The credit report is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

1

No

Yes

California

12-2006

Purchase

Primary

P2QIW2NWW00

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is misisng.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

12-2006

Refinance

Primary

U2ZKU2KFWWV

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Good Faith Estimate. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment, with PPP. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain the credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Utah

12-2006

Cash Out

Primary

DLIV32UDFLO

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan file did not contain the initial TIL and unable to test for timing of disclosure dates. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

OIUPBPTWTIP

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

FWCM1E54QVA

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final 1003. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not include the prepayment program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not include the Notice of Servicing Transfer.

1

No

Yes

New York

1-2007

Purchase

Primary

2KR2ZET5LBK

3

1

1

No

Yes

Texas

1-2007

Purchase

Primary

KGHBX34MQGX

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial 1003 is missing from the loan file. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is missing the 1008.

1

No

Yes

California

12-2006

Purchase

Primary

2TEMSF4IHSY

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

New York

12-2006

Purchase

Primary

IEMYAULXRQT

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan program disclosure for a balloon with a prepayment penalty is missing from the loan file.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

1-2007

Cash Out

Primary

UDOUKNSH5ZA

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Good Faith Estimate. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment, with PPP. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

California

12-2006

Cash Out

Primary

4WGHUPLYXGE

3

1

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

Yes

Texas

12-2006

Purchase

Primary

JRPIFQQQZY0

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final loan application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

1

No

Yes

California

11-2006

Purchase

Primary

5WYAPEXXPQI

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The credit report is misisng. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing transfer is misisng.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ) the application date of the loan is before July 30, 2009, and The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Illinois

12-2006

Purchase

Primary

3O1YLUEVCGL

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The GFE is misisng from the file. *** (OPEN) Missing credit report - EV 3 COMMENT:   The credit report is misisng from the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is misisng.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Illinois

1-2007

Refinance

Primary

CCWYJRCPCDS

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Good Faith Estimate. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file did not contain a final HUD. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

No

Texas

12-2006

Purchase

Primary

F4XEEKLNT0D

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

Minnesota

1-2007

Purchase

Primary

HQ1OKPZBBRQ

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The GFE is missing. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing.

1

No

Yes

New Jersey

12-2006

Purchase

Primary

J4MLAIQ4VTX

3

3

*** (OPEN) Final Application is missing - EV 3 COMMENT:   The loan file is missing the final loan application dated 12/XX/2006. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

1

No

Yes

Texas

12-2006

Purchase

Primary

GUTLYZZLTQZ

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon with a prepayment penalty which requires a balloon loan program disclosure.

1

No

Yes

Texas

1-2007

Purchase

Primary

TD0Z3DFJC2F

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain a credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan file did not contain the initial TIL and unable to test for timing of disclosure dates. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

1-2007

Purchase

Primary

#N/A

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

B23DE3PCULX

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $144,623.01. The disclosed finance charge of $144,341.19 is not considered accurate because it is understated by more than $100. The TILA Finance Charge Test indicates loan data value of $144,341.19 whereas the comparison data value is $144,623.01 under estimated by $281.82. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

01F4KT3ZESR

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a Good Faith Estimate.

1

No

Yes

New York

1-2007

Refinance

Primary

GFBC2FQEP51

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the signed final loan application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing a Good Faith Estimate. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Georgia

12-2006

Purchase

Primary

#N/A

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final application. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain a credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: (12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b), 226.19(a), as amended in 2009). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The initial application is dated 12/XX/2006 and the initial TIL is dated 12/XX/2006. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New Jersey

1-2007

Purchase

Primary

FEKTYYS45HS

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

1

No

Yes

Illinois

12-2006

Purchase

Primary

CDCVE0CW3H4

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is misisng. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is misisng. *** (OPEN) Missing credit report - EV 3 COMMENT:   The origination credit report is misisng. *** (OPEN) Missing Doc - EV 3 COMMENT:   The 1st lien Note terms are misisng. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is misisng.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New Jersey

1-2007

Purchase

Primary

LTIP00DW2M2

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the good faith estimate of closing costs. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan is missing the balloon program disclosure. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file is missing the credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

*** (CURED) Initial Escrow Acct Disclosure missing; loan has escrows - EV R COMMENT:   The loan file is missing the initial escrow account disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term testin the State of WA. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. The loan data has a 36 month prepayment penalty term and the comparison data has a 0 month prepayment penalty term for a 36 month overage. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Washington

1-2007

Purchase

Primary

KWUTGNKYFQD

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the good faith estimate of closing costs. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon with a prepayment penalty which requires a balloon loan program disclosure. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is missing the $152,000 1st lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

12-2006

Purchase

Primary

Y2WHCF3PUXI

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the GFE. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Notice to Servicing Transfer disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Wisconsin

1-2007

Purchase

Primary

IF53VCCNLYO

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file is missing the HUD. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon with a prepayment penalty which requires a balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

1

No

No

California

1-2007

Purchase

Primary

ME4BKZBHEVD

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon with a prepayment penalty which requires a balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

1-2007

Purchase

Primary

QEHDIC3JPWV

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is missing.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New Jersey

1-2007

Purchase

Primary

IHKXJ0QQOMS

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The GFE is missing. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan program disclosure for the balloon payment is missing. *** (OPEN) Missing credit report - EV 3 COMMENT:   The credit report is missing. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan program disclosure for the balloon payment is missing. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The 1008 is missing from te loan. *** (OPEN) Not all borrowers signed TIL - EV 2 COMMENT:   The TIL was not executed. The statute of limitations has expired downgraded based on Client Compliance Profile. *** (OPEN) TIL not hand dated - EV 2 COMMENT:   The TIL was not signed by the borrowers. The statute of limitations has expired downgraded based on Client Compliance Profile.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b) , 226.19(a). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

12-2006

Purchase

Primary

Q5HXVRZSX2K

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

California

12-2006

Cash Out

Primary

NTI123KGKPA

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial 1003 is missing. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) transferred from 12 CFR §226.17(b) , 226.19(a), The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

11-2006

Purchase

Primary

HF4TQGBU2IY

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment, with PPP. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Texas

12-2006

Purchase

Primary

AABDS3RSSBR

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan file is missing the initial TIL and unable to test for timing of disclosure date. The Statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

12-2006

Cash Out

Primary

2WAJJTTDRCL

3

3

*** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file did not include a HUD. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not include a credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not include the Notice of servicing disclosure. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file did not include a 1008.

1

No

No

New York

1-2007

Purchase

Primary

I4RMOBMOEHI

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state WA where the property is located. The Loan Data indictaed 36 months and the Comparison Data is 0 months. *** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b) , 226.19(a). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Washington

1-2007

Purchase

Primary

NZGGLEM00LH

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the mortgage balloon disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer. *** (OPEN) ROR Transaction date not consistent with Note and/or HUD - EV 3 COMMENT:   The note date and HUD closing date are both listed as January 3, 2007.  The right to cancel has this date struck out and handwritten in January 8, 2007 for the transaction date.

1

No

Yes

Georgia

1-2007

Refinance

Primary

DLYH2DQ231P

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a Good Faith Estimate.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Virginia

12-2006

Purchase

Primary

5FPW4WFUY3M

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Notice of Servicing Transfer.

1

No

Yes

Virginia

12-2006

Purchase

Primary

MMJ1DCTGANJ

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the loan servicing transfer disclosure.

1

No

Yes

New Jersey

1-2007

Purchase

Primary

MFU4Z3DE1KF

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The HUD-1 is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

1

No

No

New York

10-2006

Cash Out

Primary

V3BHYN2PQME

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The program disclosure for a fixed rate balloon with a prepayment penalty is not located in the loan file.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

1-2007

Purchase

Primary

FTYCY4J5S2G

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain a credit report.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) ,transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ) the application date of the loan is before July 30, 2009, and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

1-2007

Purchase

Primary

RTTFOGQST4R

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the inital application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test. The initial TIL disclosure date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives the consumer's written application; and The initial TIL disclosure date is not later than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction.  The statute of limitations has expired downgraded based on client compliance profile.

No

Yes

California

1-2007

Purchase

Primary

O334WXA4RV1

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the GFE. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file is missing the HUD. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file is missing the credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

No

California

1-2007

Refinance

Primary

HAN5ULHZPJG

3

1

1

No

Yes

California

1-2007

Cash Out

Primary

KF2DQOJ30RZ

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the loan servicing transfer disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $161,029.85. The disclosed finance charge of $144,183.60 is not considered accurate because it is understated by more than $100. The difference results in an under disclosed amount of $16,846.25.The statute of limitations has expired downgraded based on Client Compliance Profile. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

11-2006

Purchase

Primary

S2IQJ0LW3EC

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

New York

1-2007

Purchase

Primary

0RNWULEW1CY

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The initial GFE is not signed by borrower. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file is missing the credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

1

No

Yes

California

1-2007

Purchase

Primary

3JV4MCBADMQ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain a credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan file did not contain the initial TIL and unable to test for timing of disclosure dates. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

1-2007

Purchase

Primary

OR1TIRPIAYG

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New York

1-2007

Purchase

Primary

2EGKHMUMVWK

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file did not contain a final HUD. *** (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment, with PPP.

1

No

No

Texas

1-2007

Purchase

Primary

#N/A

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is misisng.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the interest rate test for the State of MN. The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located. The loan data reflected an interest rate of 12.434% whereas the max allowed is 10.039% resulting in an overage of 2.395%.

No

Yes

Minnesota

1-2007

Purchase

Primary

ZIJZZ0R2MOQ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not located in the loan file.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )  The finance charge is $63,254.91. The disclosed finance charge of $62,768.66 is not considered accurate because it is understated by more than $100.  The TILA Finance Charge Test indicates a loan data value of $62,768.86 whereas the comparison data is $63,254.91 under estimated by $486.25.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Utah

1-2007

Purchase

Primary

SJXXE3MY5VS

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Good Faith Estimate. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note has a Balloon feature and the loan is missing the initial Balloon Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Washington

10-2006

Purchase

Primary

KYYBEOKQKTT

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the servicing transfer disclosure.

1

No

Yes

Illinois

3-2007

Cash Out

Primary

UDWN4TOTV20

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial 1003 is missing. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing. *** (OPEN) Right of Rescission missing or unexecuted - EV 3 COMMENT:   The subject transaction is a cash out refi of a primaery; however, the ROR is missing.

1

No

Yes

North Carolina

2-2007

Cash Out

Primary

QIMBMZUIVHU

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file did not contain a Note for the 1st lien. *** (OPEN) Final Application is missing - EV 3 COMMENT:   The loan file did not contain a final loan application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a Notice of Servicing Transfer.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ). The application date of the loan is before July 30, 2009, and The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(a)(1)(i) (early disclosures three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on Sunday.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

1-2007

Purchase

Primary

LARX1JEWUM5

3

1

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the state if Washington loan origination fee test. (WA RCW §31.04.105(2)) The loan origination fee exceeds 4% of the first $20000 and 2 % thereafter of the principal amount advanced to or for the direct benefit of the borrower of the mortgage.  Loan data reflects the amount of $680 and comparison date of $651.99 resulting in an over reported amount of $28.01. Per itemization on page 103, it appears title company should have reflected an interest credit; however, Borrower was charged on HUD1.

No

Yes

Washington

12-2006

Cash Out

Primary

BY553JZUIKY

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ). The finance charge is $79,007.71. The disclosed finance charge of $78,869.86 is not considered accurate because it is understated by more than $100. The loan data reflects $78,869.86 whereas the comparison data reflects $79,007.71 results  in a variance of $137.85. The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Connecticut

11-2006

Purchase

Primary

CAPKBHCQZ53

3

1

1

No

Yes

Washington

1-2007

Cash Out

Primary

53O3Z5IROAX

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The good faith estimate is not found in the file.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ). The funding date is before the third business day following consummation. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

10-2006

Refinance

Primary

KJEWE43W2NE

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan program disclosure for a fixed rate balloon with a prepayment penalty is missing from the loan file. *** (OPEN) Credit report >90 days old at closing - EV 2

1

No

Yes

Indiana

4-2006

Purchase

Primary

I4GGU5AWYED

3

1

1

No

Yes

California

9-2006

Refinance

Primary

2BSTRLEIW0W

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file was a Balloon transaction. The loan file did not contain a Program Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain an initial Notice of Servicing Transfer.

1

No

Yes

Texas

10-2006

Purchase

Primary

HQ5LA2OMEKS

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the 1008.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of thenotice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

12-2005

Cash Out

Primary

LACPG3DIC2X

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) Final Application is missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Final application. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing copy of 1st lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New York

5-2006

Purchase

Primary

PC4G33GANAJ

3

1

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   The loan failed the prohibited fees test due to one of the following findings: The loan is a junior lien mortgage and in addition to the loan fee charges a fee not explicitly permitted by law. (Va. Code §6.2.328). The loan data reflects a processing fee of $395.00 which is not allowed on a second lien.

No

Yes

Virginia

12-2006

Refinance

Primary

0DM4MBZETBT

3

1

1

No

Yes

Kentucky

2-2007

Purchase

Primary

ONN2OMMPYE3

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan did not contain the Notice of Servicing Transfer disclosure. *** (OPEN) TIL transaction date missing - EV 2 COMMENT:   The loan file did not contain the final TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.

1

No

Yes

New Jersey

2-2007

Cash Out

Primary

MFPUXQ3LBW0

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is misisng.

1

No

Yes

Illinois

11-2006

Refinance

Primary

2D2BJWAJOE0

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note has a Balloon feature and the loan file is missing the initial Balloon Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

1

No

Yes

Indiana

11-2006

Purchase

Primary

VN3UVTFMSDK

3

3

*** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the HUD-1 settlement statement.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Washington

9-2006

Purchase

Primary

3OHEW220LG5

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note has a Balloon feature and the loan file is missing the initial Balloon Disclosure.

1

No

Yes

California

11-2006

Cash Out

Primary

3212GS4O340

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the GFE. *** (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT:   The loan file is missing the balloon program disclosure.

1

No

Yes

North Carolina

11-2006

Purchase

Primary

MNC3PK51OWJ

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer. The final Servicing Disclosure was on page 312.

1

No

Yes

Washington

1-2007

Purchase

Primary

DINREVQATBD

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test. (12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1)). The finance charge is $16,965.28. The disclosed finance charge of $16,815.28 is not considered accurate because it is understated by more than $100. Loan data reflects $16,815.28 whereas the comparison data is $16,965.28 resulting in an under-disclosure of $150. This loan failed the TILA rescission finance charge test. (12 CFR §1026.23(g)(1), transferred from 12 CFR §226.23(g)(1)). The finance charge is $16,965.28. The disclosed finance charge of $16,815.28 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. Loan data reflects $16,815.28 whereas the comparison data is $16,965.28 resulting in an under-disclosure of $150. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Nebraska

1-2007

Cash Out

Primary

VX4FVV03SG1

3

3

*** (OPEN) Final Application is missing - EV 3 COMMENT:   The loan file did not contain the Final Application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Fixed/ARM with an interest only period loan program disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )   The finance charge is $71,404.25. The disclosed finance charge of $69,430.22 is not considered accurate because it is understated by more than $100. The TILA finance charge test indicates loan data value of $69,430.22 whereas the comparison data value is $71,404.25 an over charge of $1,974.03.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Minnesota

3-2007

Purchase

Primary

#N/A

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file.

1

No

Yes

Wisconsin

11-2006

Cash Out

Primary

INPGWYWEJAM

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Trasfer is missing. *** (OPEN) Credit report >90 days old at closing - EV 2

1

No

Yes

California

3-2007

Refinance

Primary

ZOSVQBALZOF

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ). Fail is due to missing initial loan application. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Indiana

2-2007

Purchase

Primary

NEXBE1BHCOY

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is mssing the initial notice of servicing transfer.

1

No

Yes

North Carolina

3-2007

Purchase

Primary

JFUUXNN5KUX

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment.

1

No

Yes

Connecticut

1-2007

Purchase

Primary

2SD5PSMEHXV

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test. (12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1)). The finance charge is $77,065.39. The disclosed finance charge of $66,360.84 is not considered accurate because it is understated by more than $100. Loan data reflects $66,360.84 and comparison data reflects $77,065.39 for an under-disclosure of $10,704.55. This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4), transferred from 12 CFR §226.22(a)(2), (4)). The annual percentage rate (APR) is 9.426%. The disclosed APR of 8.338% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data reflects an APR of 8.338% and the comparison data reflects an APR of 9.426% for an under-disclosure of 1.088%. The statute of limitations has expired downgraded based on Client Compliance Profile. *** (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 2 COMMENT:   The loan file did not contain the CHARM Booklet and loan was ARM.

No

Yes

Massachusetts

12-2005

Purchase

Primary

L5MXDZ2FBXF

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity.

1

No

Yes

California

2-2007

Purchase

Primary

IL4MAEIG0AA

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a Good Faith Estimate. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b), 226.19(a), as amended in 2009 ). Fail is due to missing initial loan application. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Indiana

6-2006

Purchase

Primary

RLIU3RPAKVD

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) Missing credit report - EV 3 COMMENT:   The credit report is missing from the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file. *** (OPEN) Right of Rescission missing or unexecuted - EV 3 COMMENT:   The right to rescission is not found in the file and this is a refinance.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

1-2007

Cash Out

Primary

TYDOUTYPK3Q

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

South Carolina

4-2006

Cash Out

Primary

E5MGPOQKNGH

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note has a Balloon Feature and the loan file is missing the initial Balloon Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   Fail is due to missing initial loan application.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

10-2006

Purchase

Primary

#N/A

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the 1st mortgage note.

1

No

Yes

South Carolina

1-2007

Refinance

Primary

MP5S3QRPHD2

3

3

*** (OPEN) Credit score not provided - EV 3 COMMENT:   The credit report for borrowers 2 and 3 is misisng. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing transfer is misisng.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $46,538.88. The disclosed finance charge of $46,153.01 is not considered accurate because it is understated by more than $100. The loan data reflected finance charges of $46,153.01 whereas the comparison data reflects $46,538.88 resulting in an under disclosure of $385.87. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

11-2006

Purchase

Primary

RS2LB12YWXX

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file did not contain the transmittal.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Washington

11-2006

Purchase

Primary

FRRLQ43FXM3

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloony which requires a balloon loan program disclosure. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is missing the 1st lien note for $360,000.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $52,868.07. The disclosed finance charge of $52,678.03 is not considered accurate because it is understated by more than $100. The loan data finance charge is $52,678.03 and the comparsion data finance charge is $52,868.17 for an under disclosure of $190.04. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

1-2007

Refinance

Primary

2D1FSZXB2Z3

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the first lien Note.

3

*** (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 3 COMMENT:   The loan file is missing the CHARM Booklet or evidence it was given to the borrower at application.

No

Yes

North Carolina

12-2006

Purchase

Primary

BNCDWOYUSCZ

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon which requires a balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan fiel is missing the initial notice of servicing transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is missing a 1008 and a loan approval.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

2-2007

Refinance

Primary

ESOPAHSRBPN

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

2-2007

Cash Out

Primary

TLXVPYOXDAR

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon which requires a balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer.

1

No

Yes

Connecticut

11-2006

Cash Out

Primary

44JP1IPYROU

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing transfer is missing.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prohibited fees test. The loan failed the prohibited fees test due to one of the following findings: The loan is a junior lien mortgage and in addition to the loan fee charges a fee not explicitly permitted by law. (Va. Code §6.2.328) The loan data reflected prohibited fees of $400.00 whereas the comparison data reflects $0.00 resulting in an over charge variance of $400 due to a $400 Underwriting fee charged in the state of Virginia.

No

Yes

Virginia

3-2006

Cash Out

Primary

RO523XHOR22

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the finall loan application dated 8/XX/2006. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is missing the 1st lien note for $99,200.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $24,004.85. The disclosed finance charge of $21,396.14 is not considered accurate because it is understated by more than $100. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 10.000%. The disclosed APR of 9.344% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data finance charge is $21,396.14 and the comparison data is $24,004.85 for an under disclosure of $2,608.71. The loan data APR is 9.344% and the comparison data APR is 10% for an under disclosure of .656%. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

South Carolina

8-2006

Purchase

Primary

RQRAQEABRP5

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is Final application. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing copy of the 1st lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Washington

10-2006

Purchase

Primary

#N/A

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment, with PPP. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

Nebraska

3-2006

Purchase

Primary

EDKAKA1FGXD

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

1

No

Yes

Washington

8-2006

Purchase

Primary

MFNAJWNEXDT

3

1

1

No

Yes

New Mexico

9-2006

Cash Out

Primary

OJIXKXBIBXY

3

1

3

*** (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 3 COMMENT:   The loan file did not contain the CHARM Booklet and loan was ARM. *** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test. (12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1)). The finance charge is $143,749.65. The disclosed finance charge of $137,577.17 is not considered accurate because it is understated by more than $100. Loan data reflects $137,577.17 whereas the comparison data is $143,749.65 resulting in an under-disclosure of $6,172.48. This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4), transferred from 12 CFR §226.22(a)(2), (4)). The annual percentage rate (APR) is 7.287. The disclosed APR of 7.064% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Loan data reflects 7.064% whereas the comparison data is 7.287% resulting in an under-disclosure of 0.0.223%. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

9-2005

Purchase

Primary

TDJK3SMSPE0

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial 1003 is missing. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ). The finance charge is $55,172.48. The disclosed finance charge of $49,909.00 is not considered accurate because it is understated by more than $100.The TILA Finance Charge Test indicates loan data value of $49,909.00 whereas the comparison data value is $55,172.48 under estimated by $5,263.48. This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ). The finance charge is $55,172.48. The disclosed finance charge of $49,909.00 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater.This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ). The annual percentage rate (APR) is 9.196%. The disclosed APR of 8.653% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The TILA APR Test indicates loan data value of 8.653% whereas the comparison data value is 9.196% under estimated by 0.543%. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Illinois

2-2006

Refinance

Primary

DOH1TCI00VY

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the first lien Note. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note has a Balloon Feature and the loan file is missing the initial Balloon Disclosure.

1

No

Yes

Nebraska

3-2006

Purchase

Primary

44I2CRQ5ZGA

3

3

*** (OPEN) Final Application is missing - EV 3 COMMENT:   The final application is misisng. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is misisng.

1

No

Yes

New Mexico

2-2006

Cash Out

Primary

OCGRCTEB5PT

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment *** (OPEN) Right of Rescission missing or unexecuted - EV 3 COMMENT:   The ROR is missing from the loan file. *** (OPEN) TIL transaction date missing - EV 3 COMMENT:   The loan file did not contain a final TIL; however, the estimated TIL was used for the points and fees test.

1

No

Yes

Connecticut

1-2006

Cash Out

Primary

DLVTYE4P5U5

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

Texas

1-2006

Purchase

Primary

WRMOQH5FTJJ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   Initial 1003 is missing. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment.

1

No

Yes

Washington

10-2006

Purchase

Primary

XK2RQUG3KC3

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing.

1

No

Yes

South Carolina

11-2006

Purchase

Primary

WH3KWSSWMRE

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan has a Balloon feature and the loan file is missing the initial Balloon Disclosure.

1

No

Yes

Wisconsin

11-2006

Cash Out

Primary

KZYVCGXTZ55

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initiall application is not found in the file.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ). The finance charge is $39,798.78. The disclosed finance charge of $38,464.47 is not considered accurate because it is understated by more than $100.The loan data reflects $38,464.47 whereas the comparison data reflects $39,798.78 resulting in a variance of $1,334.31. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 8.813%. The disclosed APR of 8.308% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data reflects 8.308% whereas the comparison data reflects 8.813% resulting in a variance of 0.505%. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Rhode Island

2-2007

Purchase

Primary

FXDJVAW315T

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the GFE. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial balloon disclosure. *** (OPEN) Missing legal documents for senior or subordinate lien - EV 3 COMMENT:   The loan file is missing the senior lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New Mexico

9-2006

Purchase

Primary

3LFOB1PHBM0

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Good Faith Estimate. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing copy of 1st lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

1

No

Yes

New Jersey

10-2006

Purchase

Primary

35FNXENXKN2

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is missing.

1

No

No

Virginia

#VALUE!

Cash Out

Primary

EFDEG5TIP3I

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

1

No

Yes

New Mexico

10-2006

Cash Out

Primary

IEFKMKE0JGK

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $63,185.93. The disclosed finance charge of $62,526.58 is not considered accurate because it is understated by more than $100.Loan data of $62,526.58 whereas the comparison data is $63,185.93 an variance of $659.35. The Statute of limitations has expired; downgraded based on Client Compliance Profile. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Washington

8-2006

Purchase

Primary

AJMSPFTOUIF

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the good faith estimate of closing costs. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon which requires a balloon loan program disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $51,013.78. The disclosed finance charge of $50,906.28 is not considered accurate because it is understated by more than $100. The loan data finance charge is $50,906.28 and the comparison data finance charge is $51,013.78 for an under disclosure of $107.50. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Minnesota

11-2006

Purchase

Primary

V21E0KCQA2M

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity.

1

No

Yes

Georgia

10-2006

Cash Out

Primary

CERLGTGR3JU

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial 1003 is missing. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan program disclosure for the balloon payment is missing. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing.

1

No

Yes

New Jersey

10-2006

Purchase

Primary

BMJ3YIK0EWT

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan program disclosure.

1

No

Yes

California

11-2006

Purchase

Primary

URUJIX4YEIN

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final 1003. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the loan servicing disclosure.

1

No

Yes

Minnesota

10-2006

Cash Out

Primary

UM2VN4XILLD

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

California

4-2007

Cash Out

Primary

RBQEZGJBL1Y

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

New York

5-2007

Cash Out

Primary

BZCVBOUHIIO

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing a notice of servicing transfer dated the same day as the initial application date.

1

No

Yes

Washington

5-2007

Purchase

Primary

C23F4SZKKLZ

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity.

1

No

Yes

Virginia

5-2007

Cash Out

Primary

2SGMZO4OUNL

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity.

1

No

Yes

California

8-2006

Cash Out

Primary

BC0ITM5ZP3C

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the good faith estimate of closing costs. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan fiel is missing the 1st lien note for $552,000.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Texas

9-2006

Purchase

Primary

WZ0KZAWQ40P

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application.

3

*** (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 3 COMMENT:   The loan file is missing the CHARM Booklet and the subject is an ARM.

No

Yes

California

10-2006

Cash Out

Primary

HN14EGIFLC0

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon which requires a balloon loan program disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $36,472.03. The disclosed finance charge of $36,066.28 is not considered accurate because it is understated by more than $100. This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $36,472.03. The disclosed finance charge of $36,066.28 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 9.057%. The disclosed APR of 8.875% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data finance charge is $36,066.28 and the comparison data finance charge is $36,472.03 for an under disclosure of $405.75. The loan data APR is 8.875% and the comparison data APR is 9.057% for an under disclosure of .182%. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

12-2006

Cash Out

Primary

GAG5XCHZQJF

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. *** (OPEN) TIL not hand dated - EV 2

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test. (12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1)). The finance charge is $51,898.05. The disclosed finance charge of $51,703.34 is not considered accurate because it is understated by more than $100. Loan data indicated $51,703.34 whereas the comparison data is $51,898.05, an under-disclosure of $194.71. This loan failed the initial TIL disclosure date test due to one of the following: (12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b), 226.19(a), as amended in 2009). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier.  The loan file did not contain the initial application. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

9-2006

Purchase

Primary

KXTJGM04KGS

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain an initial loan application.

1

No

Yes

Texas

8-2006

Purchase

Primary

FLXJYYPTDEF

3

3

*** (OPEN) Final Application is missing - EV 3 COMMENT:   The final application is missing. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is misisng. *** (OPEN) Missing Doc - EV 3 COMMENT:   The 1st lien Note terms are misisng. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is misisng.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prohibited fees test. The loan failed the prohibited fees test due to one of the following findings: The loan is a junior lien mortgage and in addition to the loan fee charges a fee not explicitly permitted by law. (Va. Code §6.2.328) The state is Virginia and the loan data reflected fees of Processing $1,000.00 and Tax related Service fee of $69.00 whereas the comparison data reflects $0.00 resulting in an over charge of $1,069.00.

No

Yes

Virginia

11-2006

Refinance

Primary

HFRFWFQR5DN

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the 1st mortgage note. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the ballon program disclosure.

1

No

Yes

Connecticut

10-2006

Cash Out

Primary

KFWAJ3S1S3Q

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

1

No

Yes

Texas

12-2006

Purchase

Primary

51AGPOLM5SG

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

Georgia

9-2006

Purchase

Secondary

VLCIHOIGTIY

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

1

No

Yes

Connecticut

9-2006

Purchase

Primary

UFQMSK2Z0RH

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The 1st lien note is not found in the file.

1

No

Yes

North Carolina

9-2006

Purchase

Primary

K03WQQYRIY2

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial balloon disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $41,743.30. The disclosed finance charge of $41,403.53 is not considered accurate because it is understated by more than $100. Loan data reflects the amount of $41,403.53 and comparison data of $41,743.30 resulting in an under-reported amount of $339.77.  The statute of limitations has expired downgraded based on client compliance profile.

No

Yes

New Mexico

4-2007

Purchase

Primary

I4DOW3HN5XI

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan program disclosure.

1

No

Yes

Georgia

4-2007

Purchase

Primary

P4TUWQJJSN3

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Utah

2-2007

Purchase

Primary

VJG1MLQEBQ2

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note reflects the subject loan is a Balloon and the loan file is missing the initial Balloon Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prohibited fees test. The loan failed the prohibited fees test in the state of VA due to one of the following findings:   The loan is a junior lien mortgage and in addition to the loan fee charges a fee not explicitly permitted by law. (Va. Code §6.2.328).  The Prohibited Fees loan data is $200 and the comparison data is $0.00 for an over charged amount of $200.

No

Yes

Virginia

4-2007

Purchase

Primary

1KQ4QHWIG1Y

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application.

1

No

Yes

California

2-2007

Cash Out

Primary

JMW14IEEFPN

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Good Faith Estimate. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

California

2-2007

Purchase

Primary

PPPGJPOQV4C

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. A final Loan Program Disclosure was provided on page 450. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure. A final Servicing Transfer Disclosure was provided on page 270.

1

No

Yes

North Carolina

1-2007

Purchase

Primary

PTBDSD5YTZV

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ). The finance charge is $69,681.07. The disclosed finance charge of $69,336.07 is not considered accurate because it is understated by more than $100. The loan data reflects $69,336.07 and the comparison data reflects $69,681.07 resulting in a variance of $345.00. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Connecticut

3-2007

Cash Out

Primary

XNTTPAMDTGI

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The  loan file did not contain the balloon loan program disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lenders license type in SC, the state where the property is located. The loan data reflects a Late fee of 5% whereas the Comparison Data reflects 4.765% resulting in a variance of .235%.

No

Yes

South Carolina

3-2007

Cash Out

Primary

XQEPZ4LGTT1

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the Loan Application. *** (OPEN) Final Application is missing - EV 3 COMMENT:   The loan file did not contain the final loan application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Good Faith Estimate. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file did not contain the HUD-1. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain the Credit Report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Notice of Servicing Transfer disclosure. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file did not contain the 1008. *** (OPEN) Loan program disclosure missing or unexecuted - EV 2

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan file is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

No

California

#VALUE!

Purchase

Primary

43FCDLTYME2

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is missing.

1

No

Yes

Texas

12-2006

Purchase

Primary

0LTDT5DPC1I

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan program disclosure.

1

No

Yes

Vermont

12-2006

Cash Out

Primary

R11E03LKDTX

3

3

*** (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 3 COMMENT:   The initial account disclosure is missing. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan program disclosure for the balloon payment is missing. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing. *** (OPEN) Right of Rescission missing or unexecuted - EV 3 COMMENT:   The ROR is missing from the file.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ). The finance charge is $44,936.73. The disclosed finance charge of $44,695.71 is not considered accurate because it is understated by more than $100.The TILA Finance Charge Test indicates loan data value of $44,695.71 whereas the comparison data value is $44,936.73 under estimated by $241.02. This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ). The finance charge is $44,936.73. The disclosed finance charge of $44,695.71 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

2-2007

Cash Out

Primary

SOEBFQOX5EX

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final loan application dated 2/XX/2007. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

2-2007

Purchase

Primary

0HGLKU04K4K

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Balloon Disclosure.

1

No

Yes

Texas

8-2006

Purchase

Primary

0ALUR3X1WNU

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

1

No

Yes

Washington

2-2007

Refinance

Primary

UR1SJDXU253

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is missing.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state (Virgina) where the property is located. The loan data reflected a prepayment of 36 months whereas the comparison data reflects 0 months resulting in a variance of 36 months.

No

Yes

Virginia

8-2006

Purchase

Primary

TT1JLH1GAVB

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan has a Balloon feature and the loan file is missing the initial Balloon Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

1

No

Yes

California

6-2006

Purchase

Primary

ZGMCACJNSWQ

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The final 1003 is missing from the loan file. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Missing legal documents for senior or subordinate lien - EV 3 COMMENT:   The loan file is missing the senior lien note.

1

No

Yes

Washington

6-2006

Purchase

Primary

4C4DLDF4WQU

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain an initial loan application.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ) The application date of the loan is before July 30, 2009, and The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. This calculations takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(a)(1)(i) (early disclosures three business days after application). The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

6-2006

Purchase

Primary

EE211JIDTGU

3

3

*** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is missing the 1st lien note for $417,000. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

1

No

Yes

Connecticut

6-2006

Purchase

Primary

IKOTHHSV51P

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is missing. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing transfer is missing.

1

No

Yes

Georgia

12-2006

Refinance

Primary

2UYQZABRYR4

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Notice of Servicing Transfer disclosure.

1

No

Yes

Virginia

7-2006

Purchase

Primary

FY2XSZBKGM0

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is missing. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing transfer is missing.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

CN0WKT415G0

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: (12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b), 226.19(a), as amended in 2009). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The loan file did not contain the initial application. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New Mexico

12-2006

Purchase

Primary

E2HHKUMSFRK

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial Loan Application. *** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file did not contain a 1st lien Note. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a Balloon Program Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the inital Notice of Servicing Transfer.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prohibited fees test. The loan failed the prohibited fees test in the state of VA due to one of the following findings: The loan is a junior lien mortgage and in addition to the loan fee charges a fee not explicitly permitted by law. (Va. Code §6.2.328). The loan data reflects a Loan Fee charge in the amount of $350.00 whereas the max allowed is $0.00 resulting in an over charge of 350.00.

No

Yes

Virginia

5-2006

Purchase

Primary

SOPFQACXU5F

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final 1003. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is mising the servicing transfer disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $32,906.09. The disclosed finance charge of $31,562.08 is not considered accurate because it is understated by more than $100.The difference results in an under disclosed amount of $1,344.01. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Texas

5-2006

Purchase

Primary

QZVBAWU5PBT

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan program disclosure for a fixed rate balloon is missing from the loan file.

1

No

Yes

California

5-2006

Cash Out

Primary

3B2I0BV5VHQ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Good Faith Estimate. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment, with PPP. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file did not contain the transmittal.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Connecticut

6-2006

Purchase

Primary

WFGDSVR4CLF

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Missing legal documents for senior or subordinate lien - EV 3 COMMENT:   The loan file is missing the senior lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is missing the 1008.

1

No

Yes

Connecticut

12-2006

Purchase

Primary

ETWVORKKCNN

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial application. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The GFE is missing from the loan file. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The balloon program disclosure is missing from the loan file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan servicing disclosure is missing from the loan file. *** (OPEN) Credit report >90 days old at closing - EV 2

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

3-2007

Cash Out

Primary

GM3XKV0KUEX

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is missing a 1008 and a loan approval.

1

No

Yes

California

7-2006

Cash Out

Investor

N5AJKI4105P

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file did not contain the 1st lien Note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer disclosure. The final Servicing disclousure was located on page 472. *** (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT:   The loan file is missing the Final TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.

1

No

Yes

New Mexico

11-2006

Purchase

Primary

E5BFNIRSVTD

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon program dislcosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the servicing transfer disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. The property is located in VA with a variance of 36 months. *** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ) the application date of the loan is before July 30, 2009, and The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Virginia

8-2006

Purchase

Primary

QPKVORNTPB5

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial 1003 is missing from the file. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The GFE is missing. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b) , 226.19(a). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

North Carolina

3-2007

Purchase

Primary

#N/A

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment, with PPP.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

7-2006

Cash Out

Primary

VSCSS15H2QH

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

1

No

Yes

Kentucky

8-2006

Purchase

Primary

XMP50MXJT5O

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing a GFE. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Missing legal documents for senior or subordinate lien - EV 3 COMMENT:   The loan file is missing the senior lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer.

1

No

Yes

New Mexico

9-2006

Purchase

Primary

S0MRZ1H0CVD

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Balloon Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is missing the 1008.

1

No

Yes

South Carolina

3-2006

Purchase

Investor

RB3QQ2AJJHR

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

Wisconsin

5-2006

Cash Out

Primary

W3U5D1WQBXO

3

3

*** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing copy of the 1st lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

1

No

Yes

Illinois

9-2005

Purchase

Primary

ITQZ0MKVGAZ

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the GFE. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the loan servicing transfer disclosure.

1

No

Yes

Virginia

9-2005

Purchase

Primary

NZLH02MYT24

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon which requires a balloon loan program disclosure dated the same day as the initial loan application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing an initial notice of servicing transfer.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $236,365.57. The disclosed finance charge of $236,065.52 is not considered accurate because it is understated by more than $100. The loan data finance charge is $236,065.52 and the comparison data finance charge is $236,365.57 for an under disclosure of $300.05. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

5-2006

Cash Out

Primary

VSZQCXOICJA

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure.

1

No

Yes

Washington

6-2002

Cash Out

Primary

5SI3CBLBI2F

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file. *** (OPEN) Credit report >90 days old at closing - EV 2

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ). Fail is due to missing initial loan application. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

8-2005

Purchase

Primary

MQTSS1KSXKJ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure and the loan is an ARM. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b), 226.19(a), as amended in 2009 ). Fail is due to missing initial loan application. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

4-2006

Purchase

Primary

U5L04GUZUQP

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain a credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test. (12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1)). The finance charge is $71,284.27. The disclosed finance charge of $71,102.28 is not considered accurate because it is understated by more than $100. The loan data indicated $71,102.28 whereas the compliance data reflects $71,284.27 for an under-disclosure of $181.99. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

2-2005

Cash Out

Primary

JNOAU4COZNA

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final loan application dated 10/XX/2004. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is missing the 1st lien note for $333,000.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

10-2004

Cash Out

Primary

J2SNTWEZP3N

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a Notice of Servicing Transfer disclosure.

1

No

Yes

Texas

8-2004

Purchase

Primary

PDSRUJDZQ5B

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) Missing Documentation - EV 3 COMMENT:   THe 1st lien note is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Connecticut

7-2004

Purchase

Primary

GVARS2V44Z1

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ). The finance charge is $40,164.68. The disclosed finance charge of $39,944.68 is not considered accurate because it is understated by more than $100. The loan data reflects $39,944.68 whereas the comparison data reflects $10,164.68 resulting in a variance of $220.00. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Kentucky

8-2004

Cash Out

Primary

ARX4JACTQNO

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

1-2006

Cash Out

Primary

GAL3QVOBV40

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note has a Balloon feature and the loan file is missing the initial Balloon Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is missing the 1008.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $59,942.04. The disclosed finance charge of $59,594.54 is not considered accurate because it is understated by more than $100. This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $59,942.04. The disclosed finance charge of $59,594.54 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The TILA Finance Charge loan data is $59,594.54 and comparison data is $59,942.04 for an under disclosed amount of $347.50.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Minnesota

12-2005

Cash Out

Primary

#N/A

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. A final Loan Program Disclosure was provided on page 381. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure. *** (OPEN) Credit report >90 days old at closing - EV 2

1

No

Yes

California

11-2005

Cash Out

Primary

0FFUT010QDQ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial Application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan payment disclosure with a prepayment penalty.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Connecticut

11-2005

Purchase

Primary

ATCERN0NPJH

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Final application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Good Faith Estimate. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing copy of 1st lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the 1008.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test in the State of VA. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.The loan data reflects 36 months whereas the max allowed is 0 Months. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Virginia

3-2006

Purchase

Primary

OG1TR0PAOQG

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

California

3-2006

Cash Out

Primary

QYADIKGFDQV

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The balloon program disclosure is missing from the loan file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the loan servicing transfer disclosure.

*** (CURED) Cash out purchase - EV R

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ) the application date of the loan is before July 30, 2009, and The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier.

No

Yes

California

5-2006

Cash Out

Primary

FQU4DTQPNHZ

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

Connecticut

3-2006

Purchase

Primary

CIJGBIJ35S2

3

1

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New Jersey

5-2006

Cash Out

Primary

PI1UFPVO3AQ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file.

3

*** (OPEN) ComplianceEase TILA Test Failed - EV 3 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ). The finance charge is $43,634.53. The disclosed finance charge of $41,704.67 is not considered accurate because it is understated by more than $100. The loan data reflects $41,704.67 whereas the comparison data reflects $43,634.53 resulting in a variance of $1,929.86. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ). The annual percentage rate (APR) is 8.972%. The disclosed APR of 8.753% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data reflects 8.753% whereas the comparison data 8.972% resulting in a variance of 0.219%. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

4-2006

Cash Out

Primary

ZSY50MZOJJP

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan was a balloon. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

Indiana

3-2006

Purchase

Primary

ITK4JAQO3DQ

3

3

*** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is missing the 1st lien note for $288,000.

1

No

Yes

Georgia

5-2006

Refinance

Primary

HDTR5LIVPCK

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is misisng. *** (OPEN) Missing credit report - EV 3 COMMENT:   The credit report is missing.

1

No

Yes

Georgia

2-2006

Refinance

Primary

5XM3MIWDTSL

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon note with ppp loan program disclosure.

*** (CURED) ROR Transaction date not consistent with Note and/or HUD - EV R COMMENT:   The loan closed in the escrow state of WA.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lenders license type in the state of WA where the property is located. The loan data reflects a prepayment term of 36 months whereas the max allowed is 0 resulting in a variance of 36 months.

No

Yes

Washington

4-2006

Cash Out

Primary

UUAXKE0BCZB

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the Final 1003. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The file did not contain the balloon loan program disclosure.

1

No

Yes

Georgia

3-2006

Refinance

Primary

ZIPFJGDP5BV

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the late fees test for the state of NY. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. Loan data reflects 5% whereas the max is 2% for an overcharge of 3%.

No

Yes

New York

11-2004

Purchase

Primary

NC3L3LS0YKM

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Final application. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing copy of 1st lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

1

No

Yes

Connecticut

11-2004

Cash Out

Primary

#N/A

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer. *** (OPEN) Right of Rescission missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Right of Rescission.

1

No

Yes

Illinois

11-2004

Cash Out

Primary

XBWDK054ZHH

3

3

*** (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 3 COMMENT:   The inititial ecrow disclosure is missing. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing.

1

No

Yes

Texas

12-2004

Purchase

Primary

H00L5LLZQPS

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the intial Application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan program disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Washington

10-2004

Purchase

Primary

VCZTMBXCNES

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the servicings transfer disclosure.

1

No

Yes

New York

11-2004

Purchase

Primary

#N/A

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain an initial Notice of Servicing Transfer; however, the final was located on page 124.

1

No

Yes

Nebraska

9-2004

Refinance

Primary

HI1D11YBGTX

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the loan program disclosure; loan was a balloon with PPP. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file did not contain the 1008 transmittal form.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $32,762.53. The disclosed finance charge of $32,645.53 is not considered accurate because it is understated by more than $100. The loan data reflects total fees of $32,645.53 with comparison data of $32,762.53 resulting in an over charge of $117.00.  The statute of limitations has expired downgraded based on Client Compliance Profile.  This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009).  the application date of the loan is before July 30, 2009, and The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier.  The creditor received the loan application on 11/5/2003 and the initital TIL was disclosed more than three business days after on 7/8/04.  The statute of limitations has expired downgraded based on Client Compliance Profile. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Connecticut

8-2004

Purchase

Primary

RCPU3MQLMNN

3

3

*** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is missing the 1st lien note for $95,920.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test in SC. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. The loan data prepayment term test is 36 months and the comparison data prepayment term test is 0 months for an overage of 36 months. *** (OPEN) ComplianceEase State/Local Predatory Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test in SC. (SC SB 438, §37-23-80) The loan contains a prepayment term. A debtor may prepay the loan at any time, without penalty because the loan is for personal, family, or household purposes with a note amount that does not exceed $150,000.00. The loan data prepayment term test is 36 months and the comparison data prepayment term test is 0 months for an overage of 36 months.

No

Yes

South Carolina

8-2004

Purchase

Primary

HLMJHADEW1J

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial balloon disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer.

1

No

Yes

California

10-2004

Purchase

Primary

K2HLGPXBVUM

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is misisng. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is misisng. *** (OPEN) Missing Doc - EV 3 COMMENT:   The 1st lien Note terms are misisng. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is misisng. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The 1008 is misisng.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $11,610.22. The disclosed finance charge of $11,460.16 is not considered accurate because it is understated by more than $100. The loan data reflected finance charges of $11,460.16 whereas the comparison data reflects $11,610.22 resulting in an under disclosure of $150.06. The statute of limitations has expired downgraded based on Client Compliance Profile. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

11-2004

Purchase

Primary

HZCO00AOQKQ

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment, with PPP. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The 1008 is missing from the loan file.  Data from the 1003 was used to disclose the total income, housing and other liability expenses. *** (OPEN) Credit report >90 days old at closing - EV 2

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $16,288.15. The disclosed finance charge of $16,051.15 is not considered accurate because it is understated by more than $100. The loan data reflects total fees of $ 16,051.15 with comparison data of $ 16,288.15 resulting in an over charge of $237. The statute of limitations has expired downgraded based on Client Compliance Profile. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 6.519%. The disclosed APR of 6.375% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data reflects an APR of 6.375% with comparison data of 6.519% resulting in an overage of 0.144%. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Connecticut

12-2004

Purchase

Primary

D2LYJU1OQ4J

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Good Faith Estimate. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

California

8-2005

Cash Out

Primary

AWCWB5MSKSV

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial application. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final executed application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing a GFE. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial balloon disclosure. *** (OPEN) Missing legal documents for senior or subordinate lien - EV 3 COMMENT:   The loan file is missing the senior lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is missing the 1008.

1

No

Yes

Georgia

8-2004

Purchase

Primary

DFOWCLEBXSP

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan program disclosure with ppp.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lenders license type in the state of WA where the property is located. The loan data reflects a prepayment term of 36 months whereas the max allowed is 0 resulting in a variance of 36 months. *** (OPEN) ComplianceEase TILA Test Failed - EV 3 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )The finance charge is $69,547.42. The disclosed finance charge of $69,388.41 is not considered accurate because it is understated by more than $100. The loan data reflects Loan Data of $69,388.41 whereas the Comparison Data is $69,547.42 resulting in variance of $159.01.

No

Yes

Washington

9-2004

Cash Out

Primary

LTWJ2X4FE1X

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The iniitial 1003 is missing. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing. *** (OPEN) Final TIL Missing or Not Executed - EV 2 COMMENT:   The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Minnesota

9-2004

Cash Out

Primary

ROPPDEI5J4P

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial Loan Application or the final Loan Application. *** (OPEN) Final Application is missing - EV 3 COMMENT:   The loan file did not contain a final loan application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a Notice of Servicing Transfer.

1

No

Yes

California

10-2005

Cash Out

Primary

#N/A

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the good faith estimate of closing costs. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon which requires a balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Illinois

10-2005

Purchase

Primary

KTNEJQS05RH

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

California

12-2005

Refinance

Primary

WI32RFJY0FC

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Final application. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing copy of 1st lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $98,145.45. The disclosed finance charge of $98,045.36 is not considered accurate because it is understated by more than $100.Loan data of $98,045.36 whereas the comparison data is $98,145.45 a difference of $100.09.The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Illinois

10-2004

Purchase

Primary

TE21YDHEY12

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan program disclosure for a fixed rate with a balloon is missing from the loan file. *** (OPEN) Credit report >90 days old at closing - EV 2

1

No

Yes

Washington

10-2004

Purchase

Primary

SVYSRNHTBJH

3

3

*** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is missing the 1st lien note for $194,400. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is missing a 1008 and a loan approval.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Connecticut

11-2004

Purchase

Primary

FOUYE3VIPP5

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

Connecticut

11-2004

Purchase

Primary

YYXWIQVPAGT

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan program disclosure.

1

No

Yes

California

6-2006

Cash Out

Primary

SNNHMIJCLDQ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file did not contain the 1st lien Note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ). The application date of the loan is before July 30, 2009, and The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. This calculations takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(a)(1)(i) (early disclosures three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on Sunday. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Massachusetts

9-2006

Purchase

Primary

QYOVUGAX5GB

3

1

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $28,219.07. The disclosed finance charge of $27,928.13 is not considered accurate because it is understated by more than $100. The loan data reflects total fees of $27,928.13 with comparison data of $28,219.07 resulting in an over charge of $290.94. The statute of limitations has expired downgraded based on Client Compliance Profile. This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $28,219.07. The disclosed finance charge of $27,928.13 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater.  The loan data reflects total fees of $27,928.13 with comparison data of $28,219.07 resulting in an over charge of $290.94. The statute of limitations has expired downgraded based on Client Compliance Profile. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 9.293%. The disclosed APR of 9.121% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data reflects an APR of 9.121% with comparison data of 9.293% resulting in an overage of 0.172%. The statute of limitations has expired downgraded based on Client Compliance Profile. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

Yes

North Carolina

6-2006

Cash Out

Primary

YGOG2ENL5XX

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

Connecticut

8-2006

Cash Out

Primary

RG1PDMWCFSN

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer. *** (OPEN) Credit report >90 days old at closing - EV 2

1

No

Yes

Nebraska

7-2006

Purchase

Primary

FNEREEJHTWY

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file did not contain a copy of the first lien Note. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan program disclosure.

1

No

Yes

Nebraska

7-2006

Purchase

Primary

K05SSDE2VPO

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial Application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan program disclosure with a prepayment penalty. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file did not contain a Transmittal (1008).

1

No

Yes

California

4-2006

Cash Out

Primary

JQXIDKDT2L4

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial program disclosure; loan was a balloon.

1

Yes

Connecticut

5-2006

Purchase

Primary

T2YJIGIRTKA

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon with a prepayment penalty which requires a balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located in the state of Washington. The loan data prepayment term is 36 months and  the comparison data prepayment term is 0 months for a 36 month overage. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Washington

4-2006

Cash Out

Primary

32KKYYN2PIL

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan file did not contain the initial TIL and unable to test for timing of disclosure dates. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

6-2006

Purchase

Primary

BTJHISJVNTH

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note has a Balloon Feature and the loan file is missing the initial Balloon Disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   Fail is due to missing initial loan application.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Kentucky

5-2006

Purchase

Primary

4FOYDWAK11X

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The 1st lien note is not found in the file. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The final HUD is not found in the file.

1

No

No

Texas

9-2006

Purchase

Primary

GHSINCITNP3

3

1

1

No

Yes

Connecticut

7-2006

Refinance

Primary

QFH25F3AUWO

3

3

*** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file did not contain a 1008.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $14,263.71. The disclosed finance charge of $14,138.71 is not considered accurate because it is understated by more than $100. This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) )  The finance charge is $14,263.71. The disclosed finance charge of $14,138.71 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater.  The loan data reflects $14,138.71 and the comparison data reflects $14,263.71, resulting in an under disclosed amount of $125.00. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Wisconsin

8-2006

Cash Out

Primary

4HTUQQJEKC4

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure. *** (OPEN) Not all borrowers signed TIL - EV 2 COMMENT:   The final TIL provided was not signed or dated by the Borrowers. The statute of limitations has expired downgraded based on Client Compliance Profile. *** (OPEN) TIL not hand dated - EV 2 COMMENT:   The final TIL provided was not signed or dated by the Borrowers. The statute of limitations has expired downgraded based on Client Compliance Profile.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: (12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b), 226.19(a), as amended in 2009). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier.  The loan file did not contain the initial application. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Nebraska

11-2005

Purchase

Primary

5WUJ3415EAY

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Notice to Servicing Transfer *** (OPEN) Right of Rescission missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the ROR.

1

No

Yes

Connecticut

1-2006

Cash Out

Primary

4V5LECUQZ3X

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test in the State of VA. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. Loan data reflects a 36 month prepayment whereas the comparison data reflects 0 months is allowed..

No

Yes

Washington

8-2006

Cash Out

Primary

10BT0VK4HRA

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note has a Balloon Feature and the loan file is missing the initial Balloon Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test in the state of WA.  The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.The Prepayment Term loan data is 36 months and the allowable is 0 months.

No

Yes

Washington

8-2006

Purchase

Primary

JIC3Z4LTC0L

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the first mortgage note. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final 1003 as required. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure.

1

No

Yes

Wisconsin

9-2006

Purchase

Primary

UMQ53BNBUPF

3

1

1

No

Yes

California

10-2006

Cash Out

Primary

JW52PQIKMSR

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Disclosure is not located in the loan file.

1

No

Yes

New York

8-2005

Purchase

Primary

KG2V4ARRVGF

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan program disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the late fees test in the state of NY.  The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.  The late fees test indicates loan data value of 5.000% whereas the comparison data is 2.000% an overcharge of 3.000%. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

8-2005

Purchase

Primary

#N/A

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the first lien Note. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note has a Balloon Feature and the loan file is missing the initial Balloon Disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ).   the application date of the loan is before July 30, 2009, and The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601et seq.); and The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier.  This calculations takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(a)(1)(i) (early disclosures three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:  None.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Connecticut

9-2006

Purchase

Primary

LFJPCO5AM1E

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the intial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not include the balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Notice of Servicing Transfer.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the New Jersey Secondary Mortgage Lender License prohibited fees test. ( N.J.S.A. §17:11C-28, N.J.A.C.§§3:15-9.2 )The loan does charge fee(s) not provided for in this act, which is prohibited. A secondary lender shall not contract for a brokers or finders fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act. A secondary lender shall have authority to collect only the following: no more than three discount points; reasonable attorney fees at the time the execution of the loan; title examination, abstract of title, survey, and title insurance; credit report fee; appraisal fee; recording fees; application fee; returned check fee not to exceed $20, a late charge not to exceed 5% of the late payment, and on open-end loans, the lesser of an annual fee of $50 or 1% or the line of credit.   The loan data reflects total fees of $77.50 with comparison data of $0 resulting in an over charge of $77.50. Prohibited fees were Flood Determination - Life of Loan Fee $8.50 and Tax Related Service Fee $69.00.

No

Yes

New Jersey

8-2006

Refinance

Primary

ZTHSJBSUSK2

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the good faith estimate of closing costs. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon with a prepayment penalty which requires a balloon loan program disclosure. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is missing the 1st lien note for $440,000.

1

No

Yes

Indiana

3-2006

Purchase

Secondary

TRZX5XAX0SK

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon program disclosure. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file did not contain the first lien note.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

3-2006

Purchase

Primary

KXIB01XFILU

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is missing the 1st lien note for $399,959. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test in VA. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. This loan failed the prohibited fees test in VA. The loan failed the prohibited fees test due to the following finding: The loan is a junior lien mortgage and in addition to the loan fee charges a fee not explicitly permitted by law. (Va. Code §6.2.328). The loan data prepayment term test is 36 months and the comparison data prepayment term test is 0 months for a 36 month overage. The loan data prohibited fees are $72 and the comparsion data prohibited fees are $0 for a $72 overage. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Virginia

10-2005

Cash Out

Primary

JIQXIBEB2Q1

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the 1008. *** (OPEN) Credit report >90 days old at closing - EV 2 COMMENT:   The loan file is a fixed rate second lien and is missing up-dated credit report.

1

No

Yes

South Carolina

3-2006

Purchase

Primary

S2FGYBBIIXJ

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial balloon disclosure. *** (OPEN) Missing legal documents for senior or subordinate lien - EV 3 COMMENT:   The loan file is missing the senior lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer. *** (OPEN) Right of Rescission missing or unexecuted - EV 3 COMMENT:   The loan file is missing the right of rescission.

1

*** (CURED) ComplianceEase Risk Indicator is "Moderate" - EV R *** (CURED) ComplianceEase TILA Test Failed - EV R COMMENT:   This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.  The statute of limitations has expired downgraded based on client compliance profile.

No

Yes

California

11-2005

Cash Out

Primary

HI0HD3LSPMP

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial application. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ) the application date of the loan is before July 30, 2009, and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier.The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

12-2005

Purchase

Primary

QA04QM5GUD5

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the first lien Note. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial 5/1 ARM with Interest Only disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prohibited fees test for the State of VA.   The loan is a junior lien mortgage and in addition to the loan fee charges a fee not explicitly permitted by law. (Va. Code §6.2.328).  The Prohibited Fees Test loan data is $72 and the Comparison data is $0 for an over charged amount of $72. *** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $168,892.48. The disclosed finance charge of $166,712.13 is not considered accurate because it is understated by more than $100.The TILA Finance Charge Test loan data is $166,712.13 and the comparison data is $168,892.48 for an under disclosed amount of $2180.35.  This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 ).  The application date of the loan is before July 30, 2009, and The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601et seq.); and The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier.  This calculations takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(a)(1)(i) (early disclosures three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:  As not being open on Washington's Birthday (02/21/2005).  As not being open on Sunday.  The loan application date is 2/XX/2005 and the initial TIL is dated 2/XX/2005. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Virginia

8-2005

Purchase

Primary

RTOFEH0VTCW

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

1

No

Yes

Connecticut

12-2005

Cash Out

Primary

20QB1NUEZLH

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain an Initial Loan Application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a GFE. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a Notice of Servicing Transfer disclosure.

1

No

Yes

Georgia

9-2005

Cash Out

Primary

JMQO5H4EYRJ

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file did not contain a copy of the first lien Note. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final signed 1003. *** (OPEN) Credit report >90 days old at closing - EV 2

1

No

Yes

Connecticut

4-2006

Purchase

Primary

#N/A

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon which requires a balloon loan program disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

South Carolina

11-2005

Refinance

Primary

210W5N32FSX

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity.

1

No

Yes

Wisconsin

2-2006

Cash Out

Primary

HAEJTGUKK50

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan is missing the 1st lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ). The finance charge is $94,486.35. The disclosed finance charge of $94,354.35 is not considered accurate because it is understated by more than $100. The loan data reflects $94.354.35 whereas the comparison data reflects $94,486.35 resulting in a variance of $132.00.The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Massachusetts

12-2005

Cash Out

Primary

5OWLOFROBOJ

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

Georgia

2-2006

Purchase

Primary

TVISCH5FOVN

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note has a Balloon feature and the loan file is missing the initial Balloon Disclosure.

1

No

Yes

Virginia

5-2006

Purchase

Secondary

VTGAVPI231N

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment.

1

No

Yes

California

5-2006

Cash Out

Primary

BS10LCLH1Q0

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) Missing Documentation - EV 3 COMMENT:   The 1st lien note is not found in the file.

1

No

Yes

California

3-2006

Cash Out

Primary

TRFZ5P2OTWO

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial 1003 is mising. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The note has a balloon payment and the balloon disclosure is missing from the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b) , 226.19(a). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier.The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Massachusetts

3-2006

Purchase

Primary

OFWYWWSVOU1

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial Application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Good Faith Estimate. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan program disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the late fees test for the state of WV.  The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.  The late fees test indicates loan data value of $5.000% whereas the comparison data is 2.902% over stated by 2.098%. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

West Virginia

8-2006

Purchase

Primary

ZW3SSDZJ2KY

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Minnesota

5-2006

Cash Out

Primary

RB5Q21Q4MGS

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure. .

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test. (12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1)). The finance charge is $54,163.98. The disclosed finance charge of $54,003.15 is not considered accurate because it is understated by more than $100. Loan data reflects $54,003.15 whereas the comparison data is $54,163.98 resulting in an under-disclosure of $160.83. This loan failed the initial TIL disclosure date test due to one of the following: (12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b), 226.19(a), as amended in 2009). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier.  The loan file did not contain the initial application. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New Mexico

5-2006

Purchase

Primary

C5VGJ0X2ZDZ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is missing the 1st lien note for $160,000.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Connecticut

5-2006

Cash Out

Primary

COGTNEQYT2I

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the first lien Note. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note has a Balloon Feature and the loan file is missing the initial Balloon Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The laon file is missing the initial Servicing Transfer Disclosure.

1

No

Yes

Connecticut

6-2006

Purchase

Primary

IIBUVTWBVX1

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file did not contain the transmittal.

1

No

Yes

Texas

2-2006

Purchase

Primary

UPZDAHUJEY4

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

South Carolina

3-2006

Cash Out

Primary

MXCCBJC5APG

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a Loan Program Disclosure.

1

No

Yes

Texas

3-2006

Purchase

Primary

DXANUDKG2JT

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan was an I/O ARM.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 8.954%. The disclosed APR of 8.579% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data reflects an APR of 8.579% with comparison data of 8.954% resulting in an overage of 0.375%. This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $163,542.97. The disclosed finance charge of $153,700.88 is not considered accurate because it is understated by more than $100. The loan data reflects total fees of $153,700.88 with comparison data of $163,542.97 resulting in an over charge of $9,842.09. The statute of limitations has expired; downgraded based on Client Compliance Profile. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

3-2006

Purchase

Primary

H3IAC4OVZRX

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment, with PPP. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

Connecticut

6-2006

Purchase

Primary

N1RYSJO2WDA

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is misisng.

1

No

Yes

Texas

3-2006

Purchase

Primary

TVNJVFDJ1ZK

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Final application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Good Faith Estimate. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing copy of the 1st lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Georgia

1-2007

Refinance

Primary

IDIC3CYLIXQ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Georgia

2-2007

Cash Out

Primary

ZEHJZTHHDEN

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) Initial Escrow Acct Disclosure missing; loan has escrows - EV 3 COMMENT:   There is escrow shown on the HUD but no intial escrow disclosure in the file. - No ESCROWS on 2nd liens. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of Servicing Transfer is not found in the file.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Texas

3-2007

Purchase

Primary

2WQOJB0ZV1V

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the first lien Note.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

11-2006

Purchase

Primary

OM3ROWPK3ZA

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the notice of servicing transfer.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $51,280.55. The disclosed finance charge of $46,887.30 is not considered accurate because it is understated by more than $100.This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 9.500%. The disclosed APR of 8.984% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data finance charge is $46,887.30 and the comparison data is $51,280.55 for an under disclosure of $4,393.25. The loan data APR is 8.984% and the comparison data APR is 9.5% for an under disclosure of .516%. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

10-2006

Purchase

Primary

YRNU4SENITD

3

1

1

Yes

Illinois

11-2006

Purchase

Primary

XBVO4A5I3YR

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon program disclosure.

1

No

Yes

Indiana

12-2006

Cash Out

Primary

ZI3XCCRR2ZA

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Loan Program 5 year fixed I/O/6month ARM program disclosure is missing. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is misisng.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $63,180.62. The disclosed finance charge of $62,566.95 is not considered accurate because it is understated by more than $100. The loan data reflected finance charges of $62,566.95 whereas the comparison data reflects $63,180.62 resulting in an under disclosure of $613.67. This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $63,180.62. The disclosed finance charge of $62,566.95 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater.The loan data reflected finance charges of $62,566.95 whereas the comparison data reflects $63,180.62 resulting in an under disclosure of $613.67. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

12-2006

Cash Out

Primary

VVIKK14YFRJ

3

1

1

No

Yes

California

8-2006

Purchase

Primary

GUP00P2NWKJ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity.

1

No

Yes

California

7-2006

Cash Out

Primary

PPCFEZN5MAK

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity.

1

No

Yes

Georgia

11-2006

Purchase

Primary

1HWDABUDOBH

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. Three year PPP expired on 11/20/2009. Property is located in the state of Washington. *** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 8.936%. The disclosed APR of 8.791% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method The loan data reflects an APR of 8.791% with comparison data of 8.936% resulting in an overage of 0.145%. This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $129,060.90. The disclosed finance charge of $125,409.50 is not considered accurate because it is understated by more than $100. The loan data reflects total fees of $125,409.50 with comparison data of $129,060.90 resulting in an over charge of $3,651.40. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Washington

11-2006

Purchase

Primary

#N/A

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the first lien Note. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note has a Balloon feature and the loan file is missing the initial Balloon Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

1

No

Yes

Texas

12-2006

Purchase

Primary

4CYPEKDJC43

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Minnesota

12-2004

Cash Out

Primary

0OX4QEFX3YP

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan program disclosure with a prepayment penalty.

1

No

Yes

Minnesota

12-2004

Purchase

Primary

CXS0QAEHX12

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Good Faith Estimate. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )The finance charge is $61,437.63. The disclosed finance charge of $61,330.13 is not considered accurate because it is understated by more than $100.Loan data of $61,330.13 whereas the comparison data is $61,437.63 a difference of $107.60. The statute of limitations has expired; downgraded based on Client Compliance Profile. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New York

12-2006

Purchase

Primary

5PGAZFRFEL0

3

3

*** (OPEN) Final Application is missing - EV 3 COMMENT:   The loan file is missing the final application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Missing legal documents for senior or subordinate lien - EV 3 COMMENT:   The loan file is missing the senior lien note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer.

1

No

Yes

Minnesota

8-2006

Cash Out

Primary

41EYYQMAIQK

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file did not contain the Note for the 1st lien.

1

No

Yes

New York

10-2006

Refinance

Primary

YPFC2UBBLHW

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

1

No

Yes

Texas

10-2006

Purchase

Primary

YQKD33CUHRE

3

3

*** (OPEN) Final Application is missing - EV 3 COMMENT:   The final application is missing. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is missing. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is missing. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The 1008 is missing.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $38,222.42. The disclosed finance charge of $38,097.24 is not considered accurate because it is understated by more than $100. The loan data reflected finance charges of $38,097.24 whereas the comparison data reflects $38,222.42 resulting in an under disclosure of $125.18. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

1-2006

Cash Out

Primary

#N/A

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final application.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test. (12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1)). The finance charge is $284,800.08. The disclosed finance charge of $268,275.61 is not considered accurate because it is understated by more than $100. Loan data reflects $268,275.61 whereas the comparison data is $284,800.08 resulting in an under-disclosure of $16,524.47. This loan failed the TILA rescission finance charge test. (12 CFR §1026.23(g)(1), transferred from 12 CFR §226.23(g)(1)). The finance charge is $284,800.08. The disclosed finance charge of $268,275.61 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. Loan data reflects $268,275.61 whereas the comparison data is $284,800.08 resulting in an under-disclosure of $16,524.47. This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4), transferred from 12 CFR §226.22(a)(2), (4)). The annual percentage rate (APR) is 7.820%. The disclosed APR of 7.539% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Loan data reflects 7.539% whereas the comparison data is 7.820% resulting in an under-disclosure of 0.281%. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

9-2005

Refinance

Primary

C1PSEREPYOE

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Balloon Program Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

1

No

Yes

Texas

9-2006

Purchase

Primary

U3KT4UPZIJK

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The 1008 is not found in the file.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

11-2004

Purchase

Primary

M0115IBCQVL

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b), 226.19(a), as amended in 2009 ). Fail is due to missing initial loan application. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Kentucky

12-2006

Purchase

Primary

EYMEKP1KWBR

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is missing.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $31,501.90. The disclosed finance charge of $31,159.64 is not considered accurate because it is understated by more than $100. The loan data reflected finance charges of $31,159.64 whereas the comparison data reflects $31,501.90 resulting in an under disclosure of $342.25. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Washington

10-2006

Purchase

Primary

FNXQULJTG0H

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is missing from the loan file. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan program disclosure for a balloon mortgage is missing from the loan file. *** (OPEN) Missing Doc - EV 3 COMMENT:   A copy of the first lien Note is missing from the loan file.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a), as amended in 2009 ). Fail is due to missing initial loan application. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New Mexico

10-2006

Purchase

Primary

JGT5ITNGOIN

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Good Faith Estimate. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Balloon program disclosure.

1

No

Yes

California

9-2006

Purchase

Primary

2NHNRXFTPPF

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The Final 1003 is missing from the loan file.

1

No

Yes

New York

8-2006

Purchase

Primary

R3MQXLPIN3L

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Washington

5-2006

Purchase

Primary

KJQ2RMXGTRA

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon which requires a balloon loan program disclosure. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is msissing the 1st lien note for $198,750.

1

No

Yes

Virginia

10-2006

Purchase

Primary

GDNPABZYYH3

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) Missing Documentation - EV 3 COMMENT:   The 1st lien note is not found in the file. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The good faith estirmate is not in the file. *** (OPEN) Missing credit report - EV 3 COMMENT:   The credit report is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing is not found in the folder.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

North Carolina

10-2006

Purchase

Primary

PJ042JY1YKS

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment.

1

No

Yes

California

1-2007

Cash Out

Primary

Y3T01AEJN3U

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial balloon disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer.

*** (CURED) ROR Transaction date not consistent with Note and/or HUD - EV R COMMENT:   The note date is 03/02/2007 and the right to cancel reflects a transaction date of 03/03/2007.

1

No

Yes

New Mexico

3-2007

Cash Out

Primary

44TR2U2J2VT

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is misisng. *** (OPEN) Missing Doc - EV 2 COMMENT:   The 1st lien Note terms are misisng.

1

No

Yes

Texas

12-2006

Purchase

Primary

MSSMGXL0THN

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The 1st lien note is not found in the file.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ). The finance charge is $24,086.02. The disclosed finance charge of $23,877.02 is not considered accurate because it is understated by more than $100. The loan data reflects $23,877.02 whereas the comparison data reflects $24,086.02 resulting in a variance of $209.00. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

10-2006

Purchase

Primary

#N/A

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is misisng. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is missing. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is missing.

1

No

Yes

Texas

8-2006

Purchase

Primary

GIRJYOF5R53

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Final application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer.

1

No

Yes

New Jersey

9-2006

Purchase

Primary

UVNIAJQKAEE

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file did not contain the first lien Note. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The file did not contain the balloon loan program disclosure.

1

No

Yes

New Jersey

1-2007

Purchase

Primary

Y4DVYESKMPO

3

3

*** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is missing the $196,000 1st lien note.

1

No

Yes

Georgia

1-2007

Refinance

Primary

H1XF3JAWKMX

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the Final 1003. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan program disclosure.

1

No

Yes

Rhode Island

4-2007

Purchase

Primary

ZUK4TKZHJHN

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the first lien Note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is missing the 1008.

1

No

Yes

Indiana

8-2006

Cash Out

Primary

TTQ23IHI4JT

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application.

1

No

Yes

Indiana

1-2007

Cash Out

Primary

21TKVHTHHRQ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test. (12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1)). The finance charge is $105,329.44. The disclosed finance charge of $105,039.18 is not considered accurate because it is understated by more than $100. Loan data reflects $105,039.18 whereas the comparison data is $105,329.44 resulting in an under-disclosure of $290.26.

No

Yes

Massachusetts

5-2006

Cash Out

Primary

#N/A

3

2

*** (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT:   The Note has a Balloon feature and the loan file is missing the initial Balloon Disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $28,343.95. The disclosed finance charge of $28,243.45 is not considered accurate because it is understated by more than $100. This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $28,343.95. The disclosed finance charge of $28,243.45 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The TILA Finance Charge loan data is $28,243.45 and the comparison data is $28,343.95 for an under disclosed amount of $100.50.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Nebraska

1-2006

Cash Out

Primary

LFOEMST4JAD

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file did not contain the 1st lien Note.

1

No

Yes

Texas

9-2006

Purchase

Primary

ICNA251BBCU

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b) , 226.19(a). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

1-2007

Purchase

Primary

2JGTULY3MAD

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The initial application is not found in the file. *** (OPEN) Missing credit report - EV 3 COMMENT:   The credit report is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

1

No

Yes

Texas

2-2007

Purchase

Primary

PW4FINJLLKX

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon program disclosure with ppp.

*** (CURED) ROR Transaction date not consistent with Note and/or HUD - EV R COMMENT:   Loan closed in the escrow state of CA.

1

No

Yes

California

5-2006

Refinance

Primary

31L5HG3RTIW

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial application. *** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the 1st mortgage note. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the GFE. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the Balloon disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the servicing transfer disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New Mexico

6-2006

Purchase

Primary

30BJVXW22P4

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: (12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b), 226.19(a), as amended in 2009). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier.  The loan file did not contain the initial application. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

9-2006

Purchase

Primary

E33G4Q2OQEC

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is misisng.

1

No

Yes

South Carolina

1-2007

Cash Out

Primary

GG2OADC0SC1

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file did not contain the Note for the 1st lien.

1

No

Yes

New Mexico

10-2006

Cash Out

Primary

EHCF22MJR0S

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file did not contain a 1st lien Note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain an initial Notice of Servicing. The final Notice of Servicing was located on page 373. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file did not contain a 1008.

1

No

Yes

New Mexico

9-2006

Cash Out

Primary

IMOZHHXUPGN

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The initial balloon disclosure is missing from the loan file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the state of Virginia prohibited fees test. The loan failed the prohibited fees test due to one of the following findings: The loan is a junior lien mortgage and in addition to the loan fee charges a fee not explicitly permitted by law. (Va. Code §6.2.328).  Loan data reflects the amount of $30.00 and comparison data of $0.00 resulting in an over-reported amount of $30. *** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $40,226.32. The disclosed finance charge of $39,538.63 is not considered accurate because it is understated by more than $100.  Loan date reflects the amount of $39,538.63 and comparison date of $40,226.62 resulting in an under-reported amount of $687.69. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )The annual percentage rate (APR) is 8.833%. The disclosed APR of 8.584% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Loan data reflects 8.584% and comparison data of 8.833% resulting in an under-reported amount of .249%.  The statute of limitations has expired downgraded based on client compliance profile.

No

Yes

Virginia

4-2007

Purchase

Secondary

JAUJHM2F54M

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing. *** (OPEN) TIL not hand dated - EV 2 COMMENT:   The statute of limitations has expired downgraded based on Client Compliance Profile.

1

No

Yes

Utah

7-2004

Cash Out

Primary

O4DMDLPFKZJ

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test. (12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1)). The finance charge is $33,545.97. The disclosed finance charge of $33,395.43 is not considered accurate because it is understated by more than $100. Loan data indicated $33,395.43 whereas the comparison data reflects $33,545.97 for an under-disclosure of $150.54. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Texas

12-2005

Purchase

Primary

RWCWEAX2FGJ

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file did not contain the 1st lien Note.

1

No

Yes

Connecticut

9-2005

Cash Out

Primary

UGWFA2YYD1U

3

1

1

No

Yes

New York

6-2006

Cash Out

Primary

GBW05D22N0Q

3

1

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Connecticut

3-2006

Purchase

Primary

REUTDZEA134

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file did not contain the 1st lien Note.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $25,853.76. The disclosed finance charge of $25,603.76 is not considered accurate because it is understated by more than $100. The loan data reflects $25,603.76 and the comparison data reflects $25,853.76, resulting in an under disclosed amount of $250.00. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 8.332%. The disclosed APR of 8.194% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data reflects 8.194% and the comparison data reflects 8.332%, resulting in an under disclosed amount of 0.138%. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

3-2006

Refinance

Primary

VTI31GJKXD2

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial balloon loan program disclosure.

1

No

Yes

Washington

2-2006

Purchase

Primary

UAGAWPOIH0V

3

1

3

*** (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 3 COMMENT:   The loan file did not contain the CHARM Booklet and loan was ARM. *** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test. (12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1)). The finance charge is $116,702.78. The disclosed finance charge of $104,551.06 is not considered accurate because it is understated by more than $100. Loan data reflects $104,551.06 whereas the comparison data is $116,702.78 resulting in an under-disclosure of $12,151.72. This loan failed the TILA rescission finance charge test. (12 CFR §1026.23(g)(1), transferred from 12 CFR §226.23(g)(1)). The finance charge is $116,702.78. The disclosed finance charge of $104,551.06 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. Loan data reflects $104,551.06 whereas the comparison data is $116,702.78 resulting in an under-disclosure of $12,151.72. This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4), transferred from 12 CFR §226.22(a)(2), (4)). The annual percentage rate (APR) is 8.044%. The disclosed APR of 7.355% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Loan data reflects 7.355% whereas the comparison data is 8.044% resulting in an under-disclosure of 0.689%. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Washington

8-2005

Refinance

Primary

OSOTES5ZWVA

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the initial application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Good Faith Estimate. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the Notice of Servicing Transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is a fixed rate second lien and is missing the 1008.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New Jersey

12-2005

Purchase

Primary

TVOJD1AZWZJ

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the late fees test for the state of NY. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. Loan data reflects 5% whereas the max is 2% for an overcharge of 3%. This loan failed the prohibited fees test for the state of NY. (3 NY ADC 80.8, 3 NY ADC 82.8). This loan failed the prohibited fees test due to one of the following findings: The loan contains one or more prohibited fees. Fees not otherwise permitted by law may not be charged or collected for secondary mortgage loan transactions secured by 1-4 units with a total indebtedness less than $250,000. Certain fees may not be charged by the lender but are permissible if charged by a third party. Fees authorized to be charged or collected include, but are not limited to: A loan origination fee, commitment fee or similar charge; A fee for appraising or surveying; Fees or premiums for a title examination, an abstract of title, title insurance or similar purposes, a credit report fee and a fee taken at closing for a search for tax liens existing at the time of closing if such search is not included in the title examination provided such fees or premiums actually will be paid by the lender; Fees prescribed by law which are paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the junior mortgage loan; Fees for any transfer, mortgage recording or related tax; Reasonable attorney's fees charged to the lender in connection with closing; Charges for credit life, credit accident and health insurance, credit unemployment insurance, and mortgage guaranty insurance; Fees or charges taken at closing for a flood zone search; An application fee and/or processing fee; Such other fees or charges as may be specifically authorized by rule or regulation. Loan data reflects an Administration Fee of $450 and Tax Related Service Fee of $72 where as the max is 0 resulting in an overcharge of $522. *** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: (12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b), 226.19(a), as amended in 2009). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier.  The loan file did not contain the initial application. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

9-2004

Purchase

Primary

KROLSP5OHMM

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test. (12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1)). The finance charge is $34,755.17. The disclosed finance charge of $34,578.60 is not considered accurate because it is understated by more than $100. Loan data indicated $34,578.60 whereas the comparison data reflects $34,755.17 for an under-disclosure of $176.57. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Georgia

10-2004

Purchase

Primary

AHNU1LRVAAX

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The good faith estimate is not found in the file. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The notice of servicing transfer is not found in the file.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

5-2004

Purchase

Primary

P1EZWF20NNF

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

2

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 2 COMMENT:   This loan failed the prohibited fees test in the State of VA. The loan failed the prohibited fees test due to one of the following findings: The loan is a junior lien mortgage and in addition to the loan fee charges a fee not explicitly permitted by law. (Va. Code §6.2.328) The loan data reflects an Administration Fee in the amount of $450 whereas the max allowed is $0.00 resulting in an over charge of $450. The statute of limitations has expired downgraded based on Client Compliance Profile. *** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the initial TIL disclosure date test due to one of the following: (12 CFR §1026.17(b),1026.19(a), transferred from 12 CFR §226.17(b), 226.19(a), as amended in 2009). The loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and the initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier.  The loan file did not contain the initial application. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Virginia

12-2004

Purchase

Primary

#N/A

3

1

1

No

Yes

California

11-2005

Refinance

Primary

KNK43BX42OS

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is missing. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The Notice of Servicing Transfer is missing.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. The loan data reflected late fees of $5.00% whereas the comparison data reflects 2.00% resulting in an variance of 3.00%..

No

Yes

New York

7-2004

Purchase

Primary

EU3HDXA0Z4W

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial or final Applications.

3

*** (OPEN) ComplianceEase TILA Test Failed - EV 3 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )  The finance charge is $27,958.05. The disclosed finance charge of $27,785.30 is not considered accurate because it is understated by more than $100.  The TILA finance charge test indicates loan data value of $27,785.30 whereas the comparison data value is $27,958.05 under estimated by $172.75.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Massachusetts

7-2004

Purchase

Primary

IU3OZ1IAK3V

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the signed final loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note has a Balloon feature and the loan file is missing the initial Balloon Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the late fees test in the state of NY.  The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. The Late Fees Loan data is 5% and the max allowable is 2%. *** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $74,288.59. The disclosed finance charge of $74,113.59 is not considered accurate because it is understated by more than $100. The TILA Finance Charge loan data is $74,113.59 and the comparison data is $74,288.59 for an under disclosed amount of $175.00.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

New York

6-2005

Purchase

Primary

LZZ34US0K5J

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file did not contain the 1008.

1

No

Yes

Minnesota

11-2004

Cash Out

Primary

TTCHR4FLUKN

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the balloon loan with a prepayment penalty program disclosure.

1

No

Yes

California

5-2006

Cash Out

Primary

YNODZJP2Q4L

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Balloon Disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file is missing the 1008.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $43,553.99. The disclosed finance charge of $43,233.99 is not considered accurate because it is understated by more than $100. The TILA Finance Charge loan data is $43,233.99 and comparison data is $46,553.99 for an under disclosed amount of $320.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Georgia

9-2004

Purchase

Primary

01W10DNIIIS

3

3

*** (OPEN) Missing credit report - EV 3 COMMENT:   The credit report is missing. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The initial Notice of Servicing Transfer disclosure is missing.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ). The finance charge is $20,400.21. The disclosed finance charge of $20,068.14 is not considered accurate because it is understated by more than $100.The TILA Finance Charge Test indicates loan data value of $20,068.14 whereas the comparison data value is $20,400.21 under estimated by $332.07. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ). The annual percentage rate (APR) is 9.190%. The disclosed APR of 8.921% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.The TILA APR Test indicates loan data value of 8.921% whereas the comparison data value is 9.190% under estimated by 0.269%. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

North Carolina

9-2003

Purchase

Primary

3QQ3G4RPWDK

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The 1st lien note is not found in the file.

1

No

Yes

Texas

6-2006

Purchase

Primary

3RCWA5BKAJY

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial application. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final 1003. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the GFE. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the servicing transfer disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

8-2006

Purchase

Primary

4SGVGK2FJ5B

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Good Faith Estimate. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file did not contain the transmittal.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Georgia

8-2006

Purchase

Primary

VFNMENQJV2J

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the program disclosure; loan was a balloon.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Texas

6-2006

Purchase

Primary

L1GYWBZQGF1

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note has a Balloon Feature and the loan file does not contain the initial Balloon Disclosure.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test in the state of WA.  The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.The Prepayment Term loan data is 36 months and the allowable is 0 months. *** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $75,600.71. The disclosed finance charge of $75,203.57 is not considered accurate because it is understated by more than $100.The TILA Finance Charge loan data is $75,203.57 and the comparison data is $75,600.71 for an under disclosed amount of $397.17.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Washington

5-2006

Purchase

Primary

YBOFI5FXHKS

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the first lien Note. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final signed loan application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial GFE dated within three days of the initial loan application dated 4/XX/2005. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Washington

5-2006

Purchase

Primary

0ETH4HFLXTT

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the first lien Note. *** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file is missing the final signed loan application. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file is missing the credit report.

3

*** (OPEN) ComplianceEase State Regulations Test Failed - EV 3 COMMENT:   This loan failed the prepayment term test in the state of WA.  The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located.The Prepayment Term loan data is 36 months and the allowable is 0.  This loan failed the prohibited lender fees test in the state of WA (WA RCW §31.04.105) The loan charge fee(s) not provided for in this act, which is prohibited.  Every licensee may: Charge a loan origination fee and sell insurance, in accordance with Title 48 RCW, covering real property, personal property, life, disability, or involuntary unemployment of the borrower. Agree with the borrower for the payment of fees to third parties, including, but not limited to, mortgage brokers, credit reporting agencies, title companies, appraisers, structural and pest inspectors, and escrow companies, when such fees are actually paid by the licensee to a third party for such services or purposes. The Prohibited Lender Fees loan data is $225 and the comparison data allowed is $0 for an over charge of $225. *** (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 3 COMMENT:   The subject Note is an ARM and the loan file is missing the CHARM Booklet. *** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $61,159.48. The disclosed finance charge of $59,013.27 is not considered accurate because it is understated by more than $100.  This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 8.749%. The disclosed APR of 8.493% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The TILA Finance charge loan data is $59,013.27 and the comparison data is $61,159.48 for an under disclosed amount of $2146.21.  The TILA APR loan data is 8.493% and the comparison data is 8.749% for an under disclosed amount of 0.256%.  The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Washington

3-2006

Purchase

Primary

CFRGXEG1YBV

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file is missing a GFE. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the balloon disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan is missing the initial notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New Jersey

5-2006

Purchase

Primary

TILYGD2FLWN

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   Missing Balloon program disclosure dated within 3 days of application. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   Missing Notice of Servicing Transfer disclosure dated within 3 days of application.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $26,724.27. The disclosed finance charge of $26,469.87 is not considered accurate because it is understated by more than $100. The loan data reflects total fees of $26,469.87 with comparison data of $26,724.27  resulting in an over charge of $254.40. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

Illinois

3-2006

Purchase

Primary

1X1AC3OVR4E

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Good Faith Estimate. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment, with PPP. *** (OPEN) Missing credit report - EV 3 COMMENT:   The loan file did not contain the credit report. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file did not contain the transmittal.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

1-2006

Purchase

Primary

MYDGBM15EOT

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

3

*** (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 3 COMMENT:   The Note is an ARM and the loan file does not contain evidence the initial CHARM Booklet was provided.

No

Yes

Washington

8-2005

Purchase

Primary

Y2YXORNXU4V

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan did not contain the balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Notice of Servicing Transfer. *** (OPEN) Transmittal (1008) is Missing - EV 3 COMMENT:   The loan file did not contain the 1008.

1

No

Yes

South Carolina

11-2005

Purchase

Primary

LIR1NLSFUJD

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The final GFE is missing.

1

No

Yes

Connecticut

2-2006

Purchase

Primary

SWRYDSFH3PE

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

California

3-2006

Cash Out

Primary

I5AJOHOLAON

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Notice of Servicing Transfer Disclosure.

1

No

Yes

Massachusetts

12-2005

Purchase

Primary

LOIJ0ZB0NYK

3

3

*** (OPEN) Good Faith Estimate missing or unexecuted - EV 3 COMMENT:   The loan file did not contain a GFE. *** (OPEN) HUD-1 Closing Statement missing or unsigned - EV 3 COMMENT:   The loan file did not contain a HUD-1 or estimated settlement statement. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Notice of Servicing Transfer Disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan file is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

No

Virginia

1-2006

Primary

CDKLCW4AF14

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Notice of Servicing Transfer.

1

No

Yes

Washington

1-2006

Cash Out

Primary

X5ZAD1A3XQM

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file is missing the first lien Note. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial Servicing Transfer Disclosure.

3

*** (OPEN) Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) - EV 3 COMMENT:   The loan is an ARM and the loan file does not contain documentation the CHARM Booklet was provided within three days of the initial loan application. *** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $51,791.14. The disclosed finance charge of $48,556.30 is not considered accurate because it is understated by more than $100. The TILA Finance Charge loan data is $48,556.30 and the comparison data is $51,791.14 for an under disclosed amount of $3234.84.  This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 8.875%. The disclosed APR of 8.669% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The TILA APR loan data is 8.669% and the comparison data is 8.875% for an under disclosed amount of 0.206% This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009 )  the application date of the loan is before July 30, 2009, and the loan is a "residential mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and The initial TIL disclosure date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier.  Fail is due to missing initial loan application. The statute of limitations has expired; downgraded based on Client Compliance Profile.

No

Yes

California

2-2006

Purchase

Primary

M4Z5ZQMB3P2

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final 1003. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Notice of Servicing Transfer. *** (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT:   The loan file did not contain the balloon program disclosure. *** (OPEN) Missing Doc - EV 2 COMMENT:   The loan file did not contain the first lien note.

1

No

Yes

Wisconsin

10-2006

Cash Out

Primary

FEIDOTM12SD

3

3

*** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial ARM disclosure.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $36,808.45. The disclosed finance charge of $36,254.84 is not considered accurate because it is understated by more than $100.  Loan data reports the amount of $36,254.84 and comparison data reflects $36,808.45 resulting in an under-reported amount of $553.61.  The statute of limitations has expired downgraded based on client compliance profile.

No

Yes

Kentucky

9-2006

Purchase

Primary

M3YROYOKP0F

3

3

*** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Notice of Servicing disclosure.

1

No

Yes

New Jersey

6-2006

Refinance

Primary

A2DKFRBCJJ4

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file did not contain the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment. *** (OPEN) Right of Rescission missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the Right of Rescission.

1

No

Yes

California

12-2005

Cash Out

Primary

X5TM4NOBECA

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   This loan is a Balloon which requires a balloon loan program disclosure. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Washington

11-2005

Refinance

Primary

SRA02OY5N1K

3

3

*** (OPEN) Missing Documentation - EV 3 COMMENT:   The loan file did not contain the 1st lien Note. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The Note on page 434 reflected the loan was a balloon. The loan file did not contain a Loan Program Disclosure.

1

No

Yes

Texas

10-2006

Purchase

Primary

IXNQS2E33XP

3

3

*** (OPEN) Application Missing - EV 3 COMMENT:   The loan file is missing the initial loan application. *** (OPEN) Missing Doc - EV 3 COMMENT:   The loan file is missing the 1st lien note for $167,200. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file is missing the initial notice of servicing transfer.

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $31,077.58. The disclosed finance charge of $30,960.58 is not considered accurate because it is understated by more than $100. The loan data finance charge is $30,960.58 and the comparsion data finance charge is $31,077.58 for an under disclosure of $117. The statute of limitations has expired downgraded based on Client Compliance Profile. *** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Connecticut

7-2004

Purchase

Primary

JKS0OKVZPKU

3

3

*** (OPEN) Final 1003 is Missing - EV 3 COMMENT:   The loan file did not contain the final application. *** (OPEN) Loan program disclosure missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial loan program disclosure; loan has a balloon payment due at maturity. A final Loan Program Disclosure was provided on pages 238 and 449. *** (OPEN) Notice of Servicing Transfer missing or unexecuted - EV 3 COMMENT:   The loan file did not contain the initial Servicing Transfer disclosure.

1

No

Yes

North Carolina

11-2006

Purchase

Primary

J2SDXHFA0TH

2

1

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan file is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

North Carolina

10-2006

Purchase

Primary

#N/A

2

1

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $66,523.64. The disclosed finance charge of $66,211.27 is not considered accurate because it is understated by more than $100. The loan data finance charge is $66,211.27 and the comparison data finance charge is $66,523.64 for an under disclosure of $312.37. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Massachusetts

12-2006

Purchase

Primary

Q2PSHN4BO2H

2

1

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New York

11-2006

Purchase

Primary

GKPU1OAGSQX

2

1

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New Jersey

1-2007

Purchase

Primary

BFOAQALYUPZ

2

1

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New Jersey

12-2006

Refinance

Primary

KDCKIRK5BBH

2

2

*** (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT:   The loan file is missing the balloon disclosure.

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Washington

11-2006

Purchase

Primary

IGIGF4DI3X4

2

1

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Illinois

12-2006

Purchase

Primary

AUE3LJV3WZ4

2

2

*** (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT:   The Note has a Balloon feature and the loan file is missing the initial Balloon Disclosure.

1

No

Yes

Wisconsin

10-2005

Purchase

Primary

IUUG15E0EPD

2

1

2

*** (OPEN) Missing initial TIL disclosure - EV 2 COMMENT:   The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

California

4-2007

Refinance

Primary

DUGOZN25RAV

2

1

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $12,754.77. The disclosed finance charge of $12,502.27 is not considered accurate because it is understated by more than $100. This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $12,754.77. The disclosed finance charge of $12,502.27 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The loan data reflects $12,502.27 and the comparison data reflects $12,754.77, resulting in an under disclosed amount of $252.50. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 9.581%. The disclosed APR of 9.239% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data reflects 9.239% and the comparison data reflects 9.581%, resulting in an under disclosed amount of 0.342%. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

Illinois

6-2006

Refinance

Primary

XUJINKDCBHP

2

2

*** (OPEN) Loan program disclosure missing or unexecuted - EV 2 COMMENT:   The loan file did not contain the balloon loan program disclosure.

1

No

Yes

California

1-2007

Refinance

Primary

PZ1IPONILQ1

2

1

2

*** (OPEN) ComplianceEase TILA Test Failed - EV 2 COMMENT:   This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $140,690.73. The disclosed finance charge of $134,495.98 is not considered accurate because it is understated by more than $100. Resulting in an under disclosed amount of $6,194.75. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 8.262%. The disclosed APR of 8.045% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Resulting in an under disclosed APR of .217%.  The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.

No

Yes

New Jersey

1-2006

Purchase

Primary

UNZWLNXSUI4

1

1

1

No

Yes

California

9-2006

Refinance

Primary

CSG4RYRKPIN

1

1

1

No

Yes

New York

11-2006

Cash Out

Primary

QDSB5CRKPFW

1

1

1

No

Yes

California

11-2006

Cash Out

Primary

KMTXE4HWOYR

1

1

1

No

Yes

New York

10-2006

Purchase

Primary

#N/A

1

1

1

No

Yes

New Jersey

1-2007

Purchase

Primary

PT22KTYFLMI

1

1

1

No

Yes

California

11-2006

Purchase

Primary

BENYPZYN4WW

1

1

1

No

Yes

Virginia

10-2006

Purchase

Primary

#N/A

1

1

1

No

Yes

California

9-2006

Cash Out

Primary

25BWQDHOL33

1

1

1

No

Yes

Massachusetts

11-2006

Purchase

Primary

NVGOVDHSMC0

1

1

1

No

Yes

Washington

10-2006

Purchase

Primary

YB54MMKNKKD

1

1

2

No

Yes

California

12-2006

Purchase

Primary

WRM3QQIPMH1

1

1

1

No

Yes

Virginia

12-2006

Purchase

Primary

PG0SGMPXQUU

1

1

1

No

Yes

Illinois

11-2006

Purchase

Primary

DN1EVGVKWZ5

1

1

1

No

Yes

New Jersey

11-2006

Cash Out

Primary

#N/A

1

1

1

No

Yes

Virginia

11-2006

Purchase

Primary

QAZN2OQD5C4

1

1

2

No

Yes

California

1-2007

Purchase

Primary

TVGXBVRZPC0

1

1

1

No

Yes

New York

12-2006

Purchase

Primary

#N/A

1

1

1

No

Yes

New York

12-2006

Purchase

Primary

YFOF1JXVIDQ

1

1

1

No

Yes

Illinois

12-2006

Purchase

Primary

TMDKWKAK1JB

1

1

1

No

Yes

Texas

1-2007

Purchase

Primary

VB40BDFHSPG

1

1

1

No

Yes

California

12-2006

Purchase

Primary

FMSXZNRE2PG

1

1

1

No

Yes

Texas

12-2006

Purchase

Primary

V00ORKP135A

1

1

1

No

Yes

Massachusetts

12-2006

Purchase

Primary

#N/A

1

1

1

No

Yes

Washington

1-2007

Purchase

Primary

KJ5UHSL4YKY

1

1

1

No

Yes

Indiana

11-2006

Purchase

Primary

3HWNSGFGGO3

1

1

1

No

Yes

Georgia

9-2006

Cash Out

Primary

HIRLF2ZTH1K

1

1

1

No

Yes

California

7-2006

Cash Out

Primary

KXBIV2ABVX2

1

1

1

No

Yes

New York

10-2006

Purchase

Primary

#N/A

1

1

1

No

Yes

New York

11-2006

Purchase

Primary

HDA5HTNSGTE

1

1

1

No

Yes

Washington

5-2007

Cash Out

Primary

HZ5IPFAP5GZ

1

1

1

No

Yes

California

4-2007

Purchase

Primary

JLX3NKGVJSZ

1

1

1

No

Yes

New York

8-2006

Cash Out

Primary

CTU2UL2S0HB

1

1

1

No

Yes

California

7-2006

Cash Out

Primary

KRREVQDW1JE

1

1

1

No

Yes

Washington

9-2006

Purchase

Primary