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<PAGE>
GreenPoint Credit
Manufactured Housing Contract Trust
Pass-Through Certificates
Series 2000-3, Investor Number 52000051/52000052
<TABLE>
<CAPTION>
MONTHLY SERVICING SUMMARY PERIOD ENDING: 31-Oct-00
------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C>
Determination Date: 11/15/00
Remittance 11/20/00
Date:
Total Pool Prior Period WAC 10.82% Scheduled Balance Factor
Total Pool Current Period 10.82% BOP Pool $698,210,201.78 97.0860664%
WAC
Group I Prior Period WAC 11.53% EOP Pool $693,508,261.95 96.4322621%
Group I Current Period WAC 11.51% BOP Group I $424,418,901.24 96.7867479%
Group II Prior Period WAC 9.74% EOP Group I $421,104,049.14 96.0308113%
Group II Current Period WAC 9.74% BOP Group II $273,791,300.54 97.5537334%
Class I A Pass Through Rate 8.4500% EOP Group II $272,404,212.81 97.0595044%
Class I M-1 Pass Through 9.1000% Class I A Principal $320,246,738.14 94.8452069%
Rate Balance
Class I M-2 Pass Through 9.2500% Class I M-1 Principal $ 25,214,000.00 100.0000000%
Rate Balance
Class I B-1 Pass Through 9.2500% Class I M-2 Principal $ 19,733,000.00 100.0000000%
Rate Balance
Class I B-2 Pass Through 9.2500% Class I B-1 Principal $ 24,118,000.00 100.0000000%
Rate Balance
Class II A-1 Pass Through 6.8900% Class I B-2 Principal $ 31,792,311.00 100.0000000%
Rate Balance
Class II A-2 Pass Through 6.6000% Class II A-1 Principal $147,404,212.81 94.6981449%
Rate Balance
LIBOR 6.6200% Class II A-2 Principal $125,000,000.00 100.0000000%
Balance
<CAPTION>
I. RECAP OF POOL: LOAN
COUNT Class I A Class I M-1 Class I M-2
--------------- ------------------- ------------------- ----------------
<S> <C> <C> <C> <C>
Beginning Certificate Balance 17,621 $323,561,590.24 $ 25,214,000.00 $ 19,733,000.00
Scheduled Principal Reduction (1,065,181.46) 0.00 0.00
Partial Principal Prepayments (190,074.05) 0.00 0.00
Principal Prepayments In Full (112) (1,368,825.30) 0.00 0.00
Contract Liquidations (33) (690,771.29) 0.00 0.00
Contract Repurchases 0 0.00 0.00 0.00
Previously Undistributed Shortfalls 0.00 0.00 0.00
--------------- ------------------- ------------------- ----------------
Remaining Certificate Balance 17,476 $320,246,738.14 $ 25,214,000.00 $ 19,733,000.00
=============== =================== =================== ================
Liquidation Loss Amount 0.00 0.00
Adjusted Certificate Balance 25,214,000.00 19,733,000.00
==================== ================
Class I B-1 Class I B-2 Class II A-1 Class II A-2
--------------- ------------------- ------------------- ----------------
<S> <C> <C> <C> <C>
Beginning Certificate Balance $24,118,000.00 $ 31,792,311.00 $148,791,300.54 $125,000,000.00
Scheduled Principal Reduction 0.00 0.00 (250,813.06) 0.00
Partial Principal Prepayments 0.00 0.00 (110,551.37) 0.00
Principal Prepayments In Full 0.00 0.00 (774,916.29) 0.00
Contract Liquidations 0.00 0.00 (250,807.01) 0.00
Contract Repurchases 0.00 0.00 0.00 0.00
Previously Undistributed Shortfalls 0.00 0.00 0.00 0.00
--------------- ------------------- ------------------- ----------------
Remaining Certificate Balance $24,118,000.00 $ 31,792,311.00 $147,404,212.81 $125,000,000.00
=============== =================== =================== ================
Liquidation Loss Amount 0.00 0.00
Adjusted Certificate Balance 24,118,000.00 31,792,311.00
=============== ===================
<CAPTION>
II. DISTRIBUTIONS: Class I A Class I M-1 Class I M-2
------------------- ------------------- ----------------
<S> <C> <C> <C>
Principal Distribution Amount $ 3,314,852.10 $0.00 $0.00
Interest Distribution Amount 2,278,412.86 191,206.17 152,108.54
Unpaid Interest Shortfall 0.00 0.00 0.00
------------------- ------------------- ----------------
Total Distribution $ 5,593,264.96 $ 191,206.17 $ 152,108.54
=================== =================== ================
<CAPTION>
Class I B-1 Class I B-2 Class II A-1 Class II A-2
--------------- ------------------- ------------------- ----------------
<S> <C> <C> <C> <C>
Principal Distribution Amount $0.00 $0.00 $1,387,087.73 $0.00
Interest Distribution Amount 185,909.58 245,065.73 882,787.05 687,500.00
Unpaid Interest Shortfall 0.00 0.00 0.00 0.00
Net Funds Carryover Amount 0.00 0.00
--------------- ------------------- ------------------- ----------------
Total Distribution $185,909.58 $245,065.73 $2,269,874.78 $687,500.00
=============== =================== =================== ================
<CAPTION>
III. SHORTFALLS Class I M-1 Class I M-2 Class I B-1 Class I B-2
--------------- ------------------- ------------------- ----------------
<S> <C> <C> <C> <C>
Unpaid Principal Shortfall 0.00 0.00 0.00 0.00
Agg Amount of Liquidation Losses 0.00 0.00 0.00 0.00
Liquidation Loss Interest Amount 0.00 0.00 0.00 0.00
Unpaid Liquidation Loss Interest 0.00 0.00 0.00 0.00
Shortfall
Principal Shortfall Amount 0.00 0.00 0.00 0.00
--------------- ------------------- ------------------- ----------------
0.00 0.00 0.00 0.00
=============== =================== =================== ================
<CAPTION>
IV. LOC Class II A Class I B-2
------------------- ----------------
<S> <C> <C>
Beginning of Period Available Letter of Credit 70,164,229.00 31,792,311.00
Draws to the Letter of Credit 0.00 0.00
Reimbursements to the Letter of Credit 0.00 0.00
------------------- ----------------
End of Period Available Letter of Credit 70,164,229.00 31,792,311.00
=================== ================
LOC Replaced, Modified or Cancelled? NO NO
<CAPTION>
V. AVAILABLE DISTRIBUTION AMOUNT Group I Group II Total Pool
------------------- ------------------- ----------------
<S> <C> <C> <C>
Available Distribution Amount 6,435,763.62 3,114,315.91 $9,550,079.53
Group I Available Funds Shortfall from Group II 0.00 0.00 0.00
Group II Available Funds Shortfall from Group I 0.00 0.00 0.00
Monthly Advance Amount 0.00 0.00 0.00
Enhancement Payment 0.00 0.00 0.00
LOC Draw Amount 0.00 0.00 0.00
------------------- ------------------- ----------------
Total Available Distribution Amount 6,435,763.62 3,114,315.91 9,550,079.53
=================== =================== ================
<CAPTION>
VI. HOLDOVER AMOUNTS
Class II A-2 Holdover Amount Current Month 0.00
Class II A-2 Aggregate Holdover Amount 0.00
<CAPTION>
VII. MONTHLY ADVANCE Group I Group II Total Pool
------------------- ------------------- ----------------
<S> <C> <C> <C>
Monthly Advance Amount $0.00 $0.00 $0.00
Outstanding Amount Advanced $0.00 $0.00 $0.00
<CAPTION>
VIII. RESIDUAL Group I Group II Total Pool
------------------- ------------------- ----------------
<S> <C> <C> <C>
Deposit to Special Account 0.00 0.00 0.00
Residual Interest Distribution Amount $68,208.64 $156,941.13 $225,149.77
<CAPTION>
IX. SCHEDULED MONTHLY MORTGAGE PAYMENTS (P&I):
Group I Group II Total Pool
------------------- ------------------- ----------------
<S> <C> <C> <C>
Total P&I.... $5,143,139.74 $2,473,085.78 $7,616,225.52
Gross Int.... (4,077,958.28) (2,222,272.72) (6,300,231.00)
--------------------- ------------------- ----------------
Principal.... 1,065,181.46 250,813.06 1,315,994.52
===================== =================== ================
<CAPTION>
X. SERVICING FEE: Group I Group II Total Pool
------------------- ------------------- ----------------
<S> <C> <C> <C>
Monthly Servicing $353,682.42 $228,159.42 $581,841.84
Fee
Senior Monthly 0.00 0.00 $0.00
Servicing Fee
Subordinated 0.00 0.00 $0.00
Monthly Servicing
Fee
Aggregate Unpaid 0.00 0.00 $0.00
Subordinated Fees
------------------- ------------------- ----------------
<CAPTION>
XI. DELINQUENCY INFORMATION: Group I Group II Total Pool
------------------- ------------------- ----------------
<S> <C> <C> <C>
Number 31-59 307 139 446
days delinquent
Balance 31 - 59 $9,713,454.50 $5,559,097.03 $15,272,551.53
days delinquent
Number 60-89 105 43 148
days delinquent
Balance 60-89 $3,596,120.67 $1,653,994.76 $5,250,115.43
days delinquent
Number 90 or more 86 36 122
days delinquent
Balance 90 or $3,259,150.03 $1,496,888.60 $4,756,038.63
more days
delinquent
------------------- ------------------- ----------------
EOP Delinquent 498 218 716
Number
EOP Delinquent $16,568,725.20 $8,709,980.39 $25,278,705.59
Balance
=================== =================== ================
<CAPTION>
XII. REPOSSESSION INFORMATION: Group I Group II Total Pool
------------------- ------------------- ----------------
<S> <C> <C> <C>
BOP 105 52 157
Repossessions
Number
BOP $3,694,397.87 $2,058,523.02 $5,752,920.89
Repossessions
Balance
Plus Number 50 29 79
Repossessions
this Month
Plus Balance 1,721,054.26 1,176,098.89 2,897,153.15
Repossessions
this Month
Less Liquidations (24) (9) (33)
Number
Less Liquidations (695,799.79) (271,629.93) (967,429.72)
Balance
------------------- ------------------- ----------------
EOP 131 72 203
Repossessions
Number
EOP $4,719,652.34 $2,962,991.98 $7,682,644.32
Repossessions
Balance
=================== =================== ================
<CAPTION>
XII. REPURCHASES:
Group I Group II Total Pool
------------------- ------------------- ----------------
<S> <C> <C> <C>
Number Contracts 0 0 0
Repurchased or
Replaced
Balance contracts $0.00 $0.00 $0.00
Repurchased or
Replaced
Number Eligible 0 0 0
Substitute
Contracts
Balance Elidible $0.00 $0.00 $0.00
Substitute
Contracts
-----------------------------------------------------------
Total Number 0 0 0
Repurchases
Total Balance $0.00 $0.00 $0.00
Repurchases
==================== ==================== ================
<CAPTION>
XII. DELINQUENCY RATIOS Group I Group II Total Pool
-------------------- -------------------- ----------------
<S> <C> <C> <C>
Average 30-Day 2.01% 1.65% 1.87%
Delinquency Ratio
Average 60-Day 1.24% 0.87% 1.09%
Delinquency Ratio
Current Realized 0.07% 0.04% 0.06%
Loss Ratio
<CAPTION>
XII. LIQUIDATION LOSSES: Group I Group II Total Pool
------------------- ------------------- ----------------
<S> <C> <C> <C>
Previous Period $576,632.28 $188,594.25 $765,226.53
Aggregate Net
Liquidation Losses:
Current Period $954,281.10 $335,683.72 $1,289,964.82
Aggregate Net
Liquidation Losses:
Current Period $377,648.82 $147,089.47 $524,738.29
Liquidation Losses:
<CAPTION>
XII. CERTIFICATE ACCOUNT INTEREST: Group I Group II Total Pool
------------------- ------------------- ----------------
<S> <C> <C> <C>
$40,390.44 $22,491.28 $62,881.72
XIIi DEFICIENCY AMOUNTS
Aggregate 9,566.46
Deficiency Amount
Servicer Deficiency 3,348.27
Amount
XIV. EVENTS
Servicing Fee NO
Subordination
Event?
Servicer NO
Termination Event?
</TABLE>
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