Which of the following factors does NOT affect a credit union's qualification for the small lender exception to escrow requirements?

The reason that the type of loans offered by the credit union does not affect its qualification for the small lender exception to escrow requirements is based on the regulatory framework surrounding this exception. The small lender exception is primarily concerned with the relationship between the credit union's asset size and its operational practices, particularly in terms of consumer protection regulations. It specifically focuses on the total assets of the credit union, its policies regarding escrow, and compliance deadlines under the law.

The other factors directly impact whether a credit union qualifies for this exception. Total assets determine the classification of 'small lender' as per regulatory thresholds, while the credit union's policies on escrow demonstrate adherence to appropriate lending practices. Additionally, the date by which regulations stipulate escrow requirements must be met provides a compliance framework for credit unions. Therefore, while the type of loans might affect other areas of lending, it does not play a role in determining eligibility for the small lender exception to escrow requirements.