Unique Loan ID	Overall Event	Final Credit Event	Credit Exceptions	Credit Comments	Final Compliance Event	Compliance Exceptions	Compliance Comments	Eligible For Predatory Testing - Unable to Test	Compliance Comp Factors	Purpose at origination	Occupancy at origination	LTV Original (Calculated)	LTV Combined Orig (Calculated)	Debt (Back) Ratio From 1008
25921962	3	1			3	[3] ROR Missing [2] Credit Score Disclosure Not Present [2] Initial TIL Missing [2] State - Missing Anti-Coercion Notice [2] State - Missing Choice of Attorney disclosure [2] HMDA-reportable rate spread (1/1/04-10/1/09)			ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Cashout Refi	Owner Occ	10.41	88.43	39.619
25369742	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Missing Initial Application		2	[2] Initial GFE Date not within 3 days of Initial Application Date [2] HMDA-reportable rate spread (1/1/04-10/1/09)				Cashout Refi	Owner Occ	70	70	37.86
25864855	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		3	[3] TIL Missing [3] ROR Missing [3] HUD-1 Missing [2] Credit Score Disclosure Not Present [2] State - Missing Application Addedum stating applicant, if married, may apply for a separate account [2] State - Missing Consumer Credit Score Disclosure [2] State - Missing Fair Lending Notice [2] State - Missing Acknowledgment of Receipt of Good Faith Estimate [2] State - Missing Impound Authorization Disclosure [2] State - Missing Interim Interest Disclosure [2] Initial GFE Missing [2] Initial TIL Missing		YES	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Cashout Refi	Owner Occ	85	85
25264223	2	1			2	[2] State - Missing Insurance Disclosure				Cashout Refi	Owner Occ	80	80	46.24
25106594	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		3	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] Affiliated Business Doc Missing [2] Initial GFE Missing			TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	25.64	25.64
25652563	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Affiliated Business Doc Missing [2] State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2] State - Missing Attorney General Information Statement [2] State - Missing Insurance Disclosure [2] State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2] State - Missing Optional Credit Insurance Disclosure [2] State - Missing Statutory Authority Disclosure [2] State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2] State - Missing Closing Statement / Closing Disclosure [2] State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE [2] Initial TIL Missing				Cashout Refi	Owner Occ	80	100	36.11
25547718	3	3	[3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Application Disclosure [2] State - Missing Rate Lock [2] State - Missing Licensee Name Number and NMLS Unique Identifier on the application [2] Initial TIL Missing				Cashout Refi	Owner Occ	80.35	80.35
25734120	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2] State - Missing Mortgage Loan Origination Dislcosure [2] State - Missing Anti-Discrimination Notice [2] State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2] Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure [2] State - Missing Statutory Authority Disclosure [2] State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2] State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE				Cashout Refi	Owner Occ	100	100
25779358	3	3	[3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Credit Score Disclosure Not Present [2] State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2] State - Missing Attorney General Information Statement [2] State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2] State - Missing Insurance Disclosure [2] State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2] State - Missing Statutory Authority Disclosure [2] State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2] State - Missing Closing Statement / Closing Disclosure				Cashout Refi	Owner Occ	100	100	44.75
25033576	3	3	[3] Missing Initial Application		1					PURCHASE	Owner Occ	20	100
25835953	1	1			1					HELOC	Owner Occ	16.13	82.26	44.31
25307688	3	3	[3] Final Application Missing		2	[2] State - Missing Anti-Coercion Notice				HELOC	Owner Occ	30.83	89.8	44.933
25805038	3	3	[3] Final Application Missing [3] Missing Initial Application		3	[3] HUD-1 Missing [2] Affiliated Business Doc Missing [2] State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note [2] State - Missing Broker Agreement [2] Initial GFE Missing [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09)		NO		Purchase	Owner Occ	20	100
25426024	3	3	[3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Right to Choose Insurance Provider [2] Initial GFE Missing [2] Initial TIL Missing				Purchase	Owner Occ	20	100
25883802	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Owner Occ	20	100	46.4
25019322	3	3	[3] Appraisal Missing [3] Credit Report Missing		2	[2] Credit Score Disclosure Not Present [2] State - Missing Domestic Partnership Affidavit				Cashout Refi	Owner Occ	25	100
25365108	3	3	[3] Missing Initial Application		3	[3] TIL Incomplete [2] State - Missing Interest Rate Disclosre [2] State - Missing Mortgage Originator Disclosure [2] State - Missing Notice of Right to Discontinue Escrow [2] Initial GFE Missing [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] Credit Score Disclosure Not Present	Final TIL incomplete due to missing payment details and signature.	TESTED		Purchase	Owner Occ	19.96	99.96	54.83
25734517	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] State - Missing Broker Agreement [2] State - Missing Rate and Points Lock/Float Agreement [2] State - Missing Commitment Letter [2] State - Missing Loan Brokerage Disclosure Statement				Purchase	Owner Occ	20	100	49
25185317	3	2	[2] Only Preliminary Title in File		3	[3] HELOC Underdislosed Finance Charge [2] State - Missing Application Addedum stating applicant, if married, may apply for a separate account [2] State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2] State - Missing Impound Authorization Disclosure	Finance charges under disclosed by $770.83. The Final HELOC agreement did not disclose a Interest fee of $770.83.		1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.The loan is outside the SOL.	HELOC	Owner Occ	21.98	82.42	37.5
25118232	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Owner Occ	20	100	49.44
25945493	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Notice to Purchaser-Mortgagor [2] State - Missing Broker Agreement				Purchase	Owner Occ	20	100	48.7
25229259	3	3	[3] Final Application Missing [3] Missing Initial Application		3	[3] TIL Missing [2] State - Missing Interest Rate Disclosre [2] Initial GFE Missing [2] Initial TIL Missing [2] HMDA-reportable rate spread (1/1/04-10/1/09)		YES		Rate/Term Refi	Owner Occ	14.85	94.85	39.063
25079194	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] TIL Missing [3] HUD-1 Missing [2] Credit Score Disclosure Not Present [2] State - Missing Notice to Purchaser-Mortgagor [2] State - Missing Anti-Coercion Notice [2] State - Missing Pre-Application Dislcosure [2] Initial GFE Missing [2] Initial TIL Missing		NO		Purchase	Owner Occ	11.11	100
25677961	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] TIL Missing [3] ROR Missing [3] HUD-1 Missing [3] State Late Charge Not Standard [2] State - Missing Borrower's Bill of Rights [2] State - Missing Consumer Caution and Counseling Disclosure [2] Initial GFE Missing [2] Initial TIL Missing [2] Credit Score Disclosure Not Present	Late charge fee of 10% or $40 exceeds the max allowed of the Greater of 5% or $15 for the state of Michigan.	YES	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Cashout Refi	Owner Occ	20	100
25004211	3	3	[3] Missing Initial Application		3	[3] HUD-1 Missing [2] Credit Score Disclosure Not Present [2] State - Missing Cover Page / Social Security Disclosure [2] Initial GFE Missing [2] Initial TIL Missing		NO		Purchase	Second Home	10	90	37.07
25595885	3	3	[3] Final Application Missing [3] Missing Title Evidence [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09) [2] State - Missing Appraisal Notice [2] Initial TIL Missing				Cashout Refi	Owner Occ	28.17	96.78
25682684	3	3	[3] Missing Title Evidence [3] Missing Initial Application		2	[2] Affiliated Business Doc Missing				HELOC	Owner Occ	9.77	80.31	33.87
25917576	3	3	[3] Final Application Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] ROR Missing [3] HUD-1 Missing [3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] State - Missing Notice to Purchaser-Mortgagor [2] State - Missing Anti-Coercion Notice [2] State - Missing Broker Agreement [2] State - Missing Pre-Application Dislcosure [2] State - Missing Notice of Material Change of Mortgage Loan Terms [2] Initial GFE Missing		NO	ROR - 3yrs for rescindable transactions. The loan is outside the SOL. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	13.47	96.25
25052057	3	3	[3] Final Application Missing [3] Missing Initial Application		2	[2] State - Missing Mortgage Broker Agreement [2] State - Missing Commitment Letter [2] State - Missing Notice of Choice of Agent or Insurer [2] Initial GFE Missing				HELOC	Owner Occ	16.28	96.28	47
25087354	2	1			2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Owner Occ	14.99	94.98
25708229	3	1			3	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] HMDA-reportable rate spread (1/1/04-10/1/09)			TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	Cashout Refi	Owner Occ	20	100	40.4
25800613	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Owner Occ	20	100
25672080	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		2	[2] HMDA-reportable rate spread (1/1/04-10/1/09)				Purchase	Owner Occ	20	100	30.18
25446420	3	3	[3] Appraisal Missing [3] Final Application Missing [3] Credit Report Missing [3] Missing Title Evidence [3] Missing Initial Application		3	[3] ROR Missing [3] HUD-1 Missing [2] State - Missing Borrower's Bill of Rights [2] State - Missing Consumer Caution and Counseling Disclosure [2] Initial GFE Missing [2] Initial TIL Missing		YES	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.	Cashout Refi	Owner Occ	100	0
25551490	3	3	[3] Missing Title Evidence		2	[2] Affiliated Business Doc Missing				Purchase	Investment Property	10	90	31.45
25835284	3	3	[3] Missing Title Evidence		2	[2] Initial TIL Missing				Cashout Refi	Owner Occ	20	100	48.03
25135026	3	3	[3] Missing Title Evidence		1					Purchase	Owner Occ	19.98	99.96	44.45
25064284	2	1			2	[2] State - Missing Anti-Coercion Notice				Purchase	Owner Occ	20.01	100	44.644
25446172	3	3	[3] Final Application Missing [3] Credit Report Missing [3] Missing Initial Application		3	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements. [2] Affiliated Business Doc Missing [2] State - Missing Attorney Disclosure [2] State - Missing Domestic Partnership Affidavit [2] State - Missing Commitment Letter			TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.	HELOC	Owner Occ	19.93	99.64	49.73