Unique Loan ID	Rating	Type	Exception	Credit Comments	Compliance Comments	Eligible For Predatory Testing - Unable to Test	Compliance Comp Factors
25921962	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
25921962	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
25921962	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25921962	Non Critical	Compliance	[2] Initial TIL Missing
25921962	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
25921962	Non Critical	Compliance	[2] State - Missing Choice of Attorney disclosure
25369742	Critical	Credit	[3] Appraisal Missing
25369742	Critical	Credit	[3] Final Application Missing
25369742	Critical	Credit	[3] Missing Initial Application
25369742	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25369742	Non Critical	Compliance	[2] Initial GFE Date not within 3 days of Initial Application Date
25864855	Critical	Compliance	[3] HUD-1 Missing			YES
25864855	Critical	Compliance	[3] ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
25864855	Critical	Compliance	[3] TIL Missing			YES
25864855	Critical	Credit	[3] Appraisal Missing
25864855	Critical	Credit	[3] Credit Report Missing
25864855	Critical	Credit	[3] Final Application Missing
25864855	Critical	Credit	[3] Missing Initial Application
25864855	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
25864855	Non Critical	Compliance	[2] Initial GFE Missing
25864855	Non Critical	Compliance	[2] Initial TIL Missing
25864855	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Good Faith Estimate
25864855	Non Critical	Compliance	[2] State - Missing Application Addedum stating applicant, if married, may apply for a separate account
25864855	Non Critical	Compliance	[2] State - Missing Consumer Credit Score Disclosure
25864855	Non Critical	Compliance	[2] State - Missing Fair Lending Notice
25864855	Non Critical	Compliance	[2] State - Missing Impound Authorization Disclosure
25864855	Non Critical	Compliance	[2] State - Missing Interim Interest Disclosure
25264223	Non Critical	Compliance	[2] State - Missing Insurance Disclosure
25106594	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
25106594	Critical	Credit	[3] Appraisal Missing
25106594	Critical	Credit	[3] Credit Report Missing
25106594	Critical	Credit	[3] Final Application Missing
25106594	Critical	Credit	[3] Missing Initial Application
25106594	Non Critical	Compliance	[2] Affiliated Business Doc Missing
25106594	Non Critical	Compliance	[2] Initial GFE Missing
25652563	Non Critical	Compliance	[2] Affiliated Business Doc Missing
25652563	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25652563	Non Critical	Compliance	[2] Initial TIL Missing
25652563	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
25652563	Non Critical	Compliance	[2] State - Missing Attorney General Information Statement
25652563	Non Critical	Compliance	[2] State - Missing Closing Statement / Closing Disclosure
25652563	Non Critical	Compliance	[2] State - Missing Insurance Disclosure
25652563	Non Critical	Compliance	[2] State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
25652563	Non Critical	Compliance	[2] State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
25652563	Non Critical	Compliance	[2] State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
25652563	Non Critical	Compliance	[2] State - Missing Optional Credit Insurance Disclosure
25652563	Non Critical	Compliance	[2] State - Missing Statutory Authority Disclosure
25547718	Critical	Credit	[3] Missing Initial Application
25547718	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25547718	Non Critical	Compliance	[2] Initial TIL Missing
25547718	Non Critical	Compliance	[2] State - Missing Application Disclosure
25547718	Non Critical	Compliance	[2] State - Missing Licensee Name Number and NMLS Unique Identifier on the application
25547718	Non Critical	Compliance	[2] State - Missing Rate Lock
25734120	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25734120	Non Critical	Compliance	[2] Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure
25734120	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
25734120	Non Critical	Compliance	[2] State - Missing Anti-Discrimination Notice
25734120	Non Critical	Compliance	[2] State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
25734120	Non Critical	Compliance	[2] State - Missing Mortgage Loan Origination Dislcosure
25734120	Non Critical	Compliance	[2] State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
25734120	Non Critical	Compliance	[2] State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
25734120	Non Critical	Compliance	[2] State - Missing Statutory Authority Disclosure
25779358	Critical	Credit	[3] Missing Initial Application
25779358	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
25779358	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25779358	Non Critical	Compliance	[2] State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
25779358	Non Critical	Compliance	[2] State - Missing Attorney General Information Statement
25779358	Non Critical	Compliance	[2] State - Missing Closing Statement / Closing Disclosure
25779358	Non Critical	Compliance	[2] State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
25779358	Non Critical	Compliance	[2] State - Missing Insurance Disclosure
25779358	Non Critical	Compliance	[2] State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
25779358	Non Critical	Compliance	[2] State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
25779358	Non Critical	Compliance	[2] State - Missing Statutory Authority Disclosure
25033576	Critical	Credit	[3] Missing Initial Application
25307688	Critical	Credit	[3] Final Application Missing
25307688	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
25805038	Critical	Compliance	[3] HUD-1 Missing			NO
25805038	Critical	Credit	[3] Final Application Missing
25805038	Critical	Credit	[3] Missing Initial Application
25805038	Non Critical	Compliance	[2] Affiliated Business Doc Missing
25805038	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25805038	Non Critical	Compliance	[2] Initial GFE Missing
25805038	Non Critical	Compliance	[2] Initial TIL Missing
25805038	Non Critical	Compliance	[2] State - Missing Broker Agreement
25805038	Non Critical	Compliance	[2] State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
25426024	Critical	Credit	[3] Missing Initial Application
25426024	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25426024	Non Critical	Compliance	[2] Initial GFE Missing
25426024	Non Critical	Compliance	[2] Initial TIL Missing
25426024	Non Critical	Compliance	[2] State - Missing Right to Choose Insurance Provider
25883802	Critical	Credit	[3] Final Application Missing
25883802	Critical	Credit	[3] Missing Initial Application
25883802	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25019322	Critical	Credit	[3] Appraisal Missing
25019322	Critical	Credit	[3] Credit Report Missing
25019322	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
25019322	Non Critical	Compliance	[2] State - Missing Domestic Partnership Affidavit
25365108	Critical	Compliance	[3] TIL Incomplete		Final TIL incomplete due to missing payment details and signature.	TESTED
25365108	Critical	Credit	[3] Missing Initial Application
25365108	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
25365108	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25365108	Non Critical	Compliance	[2] Initial GFE Missing
25365108	Non Critical	Compliance	[2] Initial TIL Missing
25365108	Non Critical	Compliance	[2] State - Missing Interest Rate Disclosre
25365108	Non Critical	Compliance	[2] State - Missing Mortgage Originator Disclosure
25365108	Non Critical	Compliance	[2] State - Missing Notice of Right to Discontinue Escrow
25734517	Critical	Credit	[3] Final Application Missing
25734517	Critical	Credit	[3] Missing Initial Application
25734517	Non Critical	Compliance	[2] State - Missing Broker Agreement
25734517	Non Critical	Compliance	[2] State - Missing Commitment Letter
25734517	Non Critical	Compliance	[2] State - Missing Loan Brokerage Disclosure Statement
25734517	Non Critical	Compliance	[2] State - Missing Rate and Points Lock/Float Agreement
25185317	Critical	Compliance	[3] HELOC Underdislosed Finance Charge		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.
25185317	Non Critical	Compliance	[2] State - Missing Application Addedum stating applicant, if married, may apply for a separate account
25185317	Non Critical	Compliance	[2] State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
25185317	Non Critical	Compliance	[2] State - Missing Impound Authorization Disclosure
25185317	Non Critical	Credit	[2] Only Preliminary Title in File
25118232	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25945493	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25945493	Non Critical	Compliance	[2] State - Missing Broker Agreement
25945493	Non Critical	Compliance	[2] State - Missing Notice to Purchaser-Mortgagor
25229259	Critical	Compliance	[3] TIL Missing			YES
25229259	Critical	Credit	[3] Final Application Missing
25229259	Critical	Credit	[3] Missing Initial Application
25229259	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25229259	Non Critical	Compliance	[2] Initial GFE Missing
25229259	Non Critical	Compliance	[2] Initial TIL Missing
25229259	Non Critical	Compliance	[2] State - Missing Interest Rate Disclosre
25079194	Critical	Compliance	[3] HUD-1 Missing			NO
25079194	Critical	Compliance	[3] TIL Missing			NO
25079194	Critical	Credit	[3] Appraisal Missing
25079194	Critical	Credit	[3] Credit Report Missing
25079194	Critical	Credit	[3] Final Application Missing
25079194	Critical	Credit	[3] Missing Initial Application
25079194	Critical	Credit	[3] Missing Title Evidence
25079194	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
25079194	Non Critical	Compliance	[2] Initial GFE Missing
25079194	Non Critical	Compliance	[2] Initial TIL Missing
25079194	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
25079194	Non Critical	Compliance	[2] State - Missing Notice to Purchaser-Mortgagor
25079194	Non Critical	Compliance	[2] State - Missing Pre-Application Dislcosure
25677961	Critical	Compliance	[3] HUD-1 Missing			YES
25677961	Critical	Compliance	[3] ROR Missing			YES	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
25677961	Critical	Compliance	[3] State Late Charge Not Standard		Late charge fee of 10% or $40 exceeds the max allowed of the Greater of 5% or $15 for the state of Michigan.	YES
25677961	Critical	Compliance	[3] TIL Missing			YES
25677961	Critical	Credit	[3] Appraisal Missing
25677961	Critical	Credit	[3] Credit Report Missing
25677961	Critical	Credit	[3] Final Application Missing
25677961	Critical	Credit	[3] Missing Initial Application
25677961	Critical	Credit	[3] Missing Title Evidence
25677961	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
25677961	Non Critical	Compliance	[2] Initial GFE Missing
25677961	Non Critical	Compliance	[2] Initial TIL Missing
25677961	Non Critical	Compliance	[2] State - Missing Borrower's Bill of Rights
25677961	Non Critical	Compliance	[2] State - Missing Consumer Caution and Counseling Disclosure
25004211	Critical	Compliance	[3] HUD-1 Missing			NO
25004211	Critical	Credit	[3] Missing Initial Application
25004211	Non Critical	Compliance	[2] Credit Score Disclosure Not Present
25004211	Non Critical	Compliance	[2] Initial GFE Missing
25004211	Non Critical	Compliance	[2] Initial TIL Missing
25004211	Non Critical	Compliance	[2] State - Missing Cover Page / Social Security Disclosure
25595885	Critical	Credit	[3] Final Application Missing
25595885	Critical	Credit	[3] Missing Initial Application
25595885	Critical	Credit	[3] Missing Title Evidence
25595885	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25595885	Non Critical	Compliance	[2] Initial TIL Missing
25595885	Non Critical	Compliance	[2] State - Missing Appraisal Notice
25682684	Critical	Credit	[3] Missing Initial Application
25682684	Critical	Credit	[3] Missing Title Evidence
25682684	Non Critical	Compliance	[2] Affiliated Business Doc Missing
25917576	Critical	Compliance	[3] HUD-1 Missing			NO
25917576	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.			NO	TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
25917576	Critical	Compliance	[3] ROR Missing			NO	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
25917576	Critical	Credit	[3] Final Application Missing
25917576	Critical	Credit	[3] Missing Initial Application
25917576	Critical	Credit	[3] Missing Title Evidence
25917576	Non Critical	Compliance	[2] Initial GFE Missing
25917576	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
25917576	Non Critical	Compliance	[2] State - Missing Broker Agreement
25917576	Non Critical	Compliance	[2] State - Missing Notice of Material Change of Mortgage Loan Terms
25917576	Non Critical	Compliance	[2] State - Missing Notice to Purchaser-Mortgagor
25917576	Non Critical	Compliance	[2] State - Missing Pre-Application Dislcosure
25052057	Critical	Credit	[3] Final Application Missing
25052057	Critical	Credit	[3] Missing Initial Application
25052057	Non Critical	Compliance	[2] Initial GFE Missing
25052057	Non Critical	Compliance	[2] State - Missing Commitment Letter
25052057	Non Critical	Compliance	[2] State - Missing Mortgage Broker Agreement
25052057	Non Critical	Compliance	[2] State - Missing Notice of Choice of Agent or Insurer
25087354	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25708229	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
25708229	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25800613	Critical	Credit	[3] Credit Report Missing
25800613	Critical	Credit	[3] Final Application Missing
25800613	Critical	Credit	[3] Missing Initial Application
25800613	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25672080	Critical	Credit	[3] Credit Report Missing
25672080	Critical	Credit	[3] Final Application Missing
25672080	Critical	Credit	[3] Missing Initial Application
25672080	Non Critical	Compliance	[2] HMDA-reportable rate spread (1/1/04-10/1/09)
25446420	Critical	Compliance	[3] HUD-1 Missing			YES
25446420	Critical	Compliance	[3] ROR Missing			YES	ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
25446420	Critical	Credit	[3] Appraisal Missing
25446420	Critical	Credit	[3] Credit Report Missing
25446420	Critical	Credit	[3] Final Application Missing
25446420	Critical	Credit	[3] Missing Initial Application
25446420	Critical	Credit	[3] Missing Title Evidence
25446420	Non Critical	Compliance	[2] Initial GFE Missing
25446420	Non Critical	Compliance	[2] Initial TIL Missing
25446420	Non Critical	Compliance	[2] State - Missing Borrower's Bill of Rights
25446420	Non Critical	Compliance	[2] State - Missing Consumer Caution and Counseling Disclosure
25551490	Critical	Credit	[3] Missing Title Evidence
25551490	Non Critical	Compliance	[2] Affiliated Business Doc Missing
25835284	Critical	Credit	[3] Missing Title Evidence
25835284	Non Critical	Compliance	[2] Initial TIL Missing
25135026	Critical	Credit	[3] Missing Title Evidence
25064284	Non Critical	Compliance	[2] State - Missing Anti-Coercion Notice
25446172	Critical	Compliance	[3] Missing HELOC fee disclosures required under TILA. Unable to validate compliance with TILA HELOC Account-opening disclosure requirements.				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
25446172	Critical	Credit	[3] Credit Report Missing
25446172	Critical	Credit	[3] Final Application Missing
25446172	Critical	Credit	[3] Missing Initial Application
25446172	Non Critical	Compliance	[2] Affiliated Business Doc Missing
25446172	Non Critical	Compliance	[2] State - Missing Attorney Disclosure
25446172	Non Critical	Compliance	[2] State - Missing Commitment Letter
25446172	Non Critical	Compliance	[2] State - Missing Domestic Partnership Affidavit