UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM ABS-15G
ASSET-BACKED SECURITIZER
REPORT PURSUANT TO SECTION 15G OF
THE SECURITIES EXCHANGE ACT OF 1934

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

☐      Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _______ to _______.

Date of Report (Date of earliest event reported): _____________
Commission File Number of securitizer: _____________
Central Index Key Number of securitizer: _____________

 

Name and telephone number, including area code, of the person to contact in connection with this filing.

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐

☒      Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0000807641

GS Mortgage-Backed Securities Trust 2022-MM1

(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity:

 

Manju Madhavan, (212) 902-5268

Name and telephone number, including area code, of the person to
contact in connection with this filing.

 

 

 

INFORMATION TO BE INCLUDED IN THE REPORT

Item 2.01.Findings and Conclusions of a Third Party Due Diligence Report Obtained By the Issuer

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

 

 

 

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: January 19, 2022

GS Mortgage Securities Corp.
(Depositor)

By:

 /s/ Manju Madhavan
Name: Manju Madhavan
Title: President

 

 

 

EXHIBIT INDEX

Exhibit Number

99.1       Disclosures required by Rule 15Ga-2 for Consolidated Analytics, Inc.

Schedule 1 - Executive Narrative

Schedule 2 - Exception Detail Report

Schedule 3 - Exception Supplemental Report

Schedule 4 - Valuation Report

Schedule 5 - ASF Report

Schedule 6 - Data Compare Report

Schedule 7 - Grades Report

 

 


 

GS Mortgage-Backed Securities Trust 2022-MM1 ABS-15G

 

Exhibit 99.1 - Schedule 1

 

 

 

EXECUTIVE SUMMARY
Third Party Due Diligence Review

 

Overview

 

Consolidated Analytics, Inc (“Consolidated Analytics”), a third party due diligence provider, performed the review described below on behalf of its client, Goldman Sachs Mortgage Company. The review included a total of 359 newly originated residential mortgage loans, in connection with the securitization identified as GSMBS 2022-MM1 (the “Securitization”). The Review was conducted from July 2021 through December 2021 on mortgage loans originated between June 2021 and December 2021.

 

Scope of Review

 

Credit Review

 

Consolidated Analytics performed a “Credit Review” to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

 

The Credit Review attempted to confirm the following:

 

a.QM or ATR Validation / Review of 8 Key Underwriting Factors
i.Income / Assets
Validate borrower(s) monthly gross income
Validate funds required to close, required reserves
Review file documentation for required level of income and asset verifications
ii.Employment Status
Review file documentation for required level of employment
iii.Monthly Mortgage Payment
Confirm program, qualifying rate, terms
iv.Simultaneous Loans
Validate all concurrent loans are included in the DTI to properly assess the ability to repay
v.Mortgage Related Obligations: PITI, HOA, PMI, etc.
Validate subject loan monthly payment (PITI) and associated obligations
vi.Debts / Obligations
Validate monthly recurring liabilities
vii.DTI and/or Residual Income
Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file
Documentation meets Appendix Q requirements for QM Loans
viii.Credit History
Review credit report for credit history and required credit depth including any / all inquiries
Determine representative credit score from credit report

 

 

 

b.Validate loan-to-value (LTV) and combined loan-to-value
c.Review borrower's occupancy
d.Validation through third party resource of the subject properties most recent twelve (12) month sales history
e.Confirm sufficient evidence in loan file, by reviewing the underwriter’s decision to approve the loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt
f.Confirm that Final 1003 is sufficiently completed
g.Provide Audit 1008 with accurate data based on file documentation
h.Confirm Loan Approval conditions were met
i.Review condominium questionnaire to verify all information is complete, prepared by an authorized representative, and address any red flags that may deem condominium project ineligible

 

Compliance Review

 

Consolidated Analytics performed a “Compliance Review” to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

 

a.Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

 

b.Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

 

c.Tolerance Testing
i.Compare Loan Estimate and Closing Disclosures
ii.Identify Tolerance Violations and applicable cost to cure

 

d.Comprehensive review of Closing Disclosure to determine transaction accuracy

 

e.Recalculation of APR and Finance Charge

 

f.Testing of:
i.Federal High Cost Mortgage provisions
ii.Federal Higher Priced Mortgage Loans provisions
iii.Local and/or State Anti-predatory and High Cost provisions
iv.HOEPA Points and Fees

 

g.Determine whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures
i.Service Provider List
ii.Home Ownership Counselling Disclosure
iii.ARM Disclosure

 

h.Compliance with QM as it relates to:
i.APR Test
ii.Points & Fees Test
iii.Prepayment Penalty Test
iv.Product Eligibility Testing

 

 

 

 

i.Notice of Right to Cancel (Rescission) Review
i.Confirm transaction date, expiration date, and disbursement date
ii.Confirm document is properly executed by all required parties to the transaction
iii.Confirm the correct Right of Rescission document was executed for the transaction type

 

j.Confirm through NMLS the loan originator and originating firm's license status was active and properly disclosed on appropriate loan documents

 

k.Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s)

 

l.Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and consistent with other documents; Confirm collateral documents have been recorded or sent for recording

 

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

 

Valuation Review

 

Consolidated Analytics performed a “Valuation Review,” which included the following:

 

a.Review original appraisal, determination that property is in "average" condition or better, or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be identified with the condition of the property, Consolidated Analytics will alert Client.
b.Review appraisal, determination that property is completely constructed and appraisal is on an “as is basis,” or property is identified as not completely constructed by originating appraiser.
c.Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.
d.Review and determine the relevance of the comparable properties and ensure that a rational and reliable value was provided and supported as of the effective date of the Origination Appraisal.
e.Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.
f.Ensure that the appraisal conforms to the guidelines provided from the Client.
g.Review appraisal to ensure all required documents were included.
h.Review location map provided within the appraisal for external obsolescence.
i.Ensure highest and best use and zoning complies with guidelines.
j.Confirm there are no marketability issues that affect the subject property.
k.Ensure subject property does not suffer any functional obsolescence.
l.Where applicable, determine if the file did not contain the appraisal or other valuation method and a review could not be performed.
m.Additional valuation product was not required when the CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In some instances, CDA’s were ordered on loans that had an acceptable CU score based on guidance from the seller.

 

 

 

 

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

 

For loans reviewed in a post-close valuation review scenario (359 loans in total):

 

341 loans had Desktop Reviews.

 

If a loan with a Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed.

 

2 loans had a Field Review, of which all supported the value.

 

Product totals may not sum due to multiple products for each loan

 

TAPE INTEGRITY REVIEW RESULTS SUMMARY

 

Of the 359 mortgage loans reviewed, no mortgage loans (0% by loan count) had any tape discrepancies across the reviewed data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

 

Fields Reviewed Discrepancy Count Percentage
Total Discrepancies: 0 100.00%

 

Summary of Results

 

OVERALL RESULTS SUMMARY

 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received an overall grade “A”.

 

Final Loan Grades

 

Overall Loan Results:  
Event Grade Loan Count Original Principal Balance Percent of Sample
Event Grade A 359 $377,651,324.00 100.00%
Event Grade B 0 $0.00       0%
Event Grade C 0 $0.00 0%
Event Grade D 0 $0.00 0%
Total Sample 359 $377,651,324.00 100.00%

 

 

 

 

Credit Results:
Event Grade Loan Count Percent of Sample
Event  Grade A 359 100.00%
Event  Grade B 0 0%
Event  Grade C 0 0%
Event  Grade D 0 0%
Total Sample 359 100.00%

 

Compliance Results:
Event Grade Loan Count Percent of Sample
Event  Grade A 359 100.00%
Event  Grade B 0 0%
Event  Grade C 0 0%
Event  Grade D 0 0%
Total Sample 359 100.00%

 

 

 

 

Valuation Results:

 

Event Grade Loan Count Percent of Sample
Event  Grade A 359 100.00%
Event  Grade B 0 0%
Event  Grade C 0 0%
Event  Grade D 0 0%
Total Sample 359 100.00%

 

Exception Category Summary

 

The table below summarizes the individual exceptions which carried an associated “A”, “B”, “C”, or “D” level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of “B”, a Credit Grade of “A”, and a Property Grade of “A” would receive an overall Loan Grade of “B”).

 

 

 

 

Exception Type Exception Level Grade Exception Category Total
Credit A No Credit Findings 298
DTI Exceeds AUS Maximum Allowable 16
Hazard Insurance Coverage is Not Sufficient 8
Borrower Liabilities Verification Indicator is Partial 7
Transmittal Summary is Missing 6
AUS is Partial 6
Final Loan Application is Missing 5
Transmittal Summary is Partial 4
Housing history does not meet guidelines 3
Hazard Insurance Effective Date is after the Note Date 3
Liquid Reserves (Dollar Amount) are less than AUS Minimum Required 2
CLTV Exceeds the AUS Maximum Allowable 2
Asset Documents are Incomplete 2
Borrower Employment Verification does not meet guidelines 2
Insufficient cash to close. 2
Borrower Income Verification does not match Approval 2
LTV Exceeds AUS Maximum Allowable 2
Final Loan Application is Partial 2
CoBorrower Employment Verification does not meet guidelines 2
Note Document Indicator is Missing 1
Minimum Trade Line Requirement Not Met 1
Note is not executed by all borrowers 1
Borrower Income Verification is less than 12 months 1
Borrower residency documentation not provided or issue with documentation 1
CoBorrower Transcripts is Missing 1
Note Document Indicator is Partial 1
Balance Sheet Does Not Meet Guidelines 1
Profit and Loss Does Not Meet Guidelines 1
Title Policy is Partial 1
Borrower Transcripts are missing 1
Hazard Insurance Indicator is Partial 1
Flood Insurance Policy is Missing 1
HAZARD INSURANCE CERTIFICATE MISSING 1
Total Credit Grade (A) Exceptions: 388
Compliance A No Compliance Findings 297
Charges That Cannot Increase Test 28
Regulation §1026.43(e)(2)(vi) failure - The Qualified Mortgage calculated DTI is greater than 43.00%. 19
Reimbursement Amount Test 16
Escrow Waiver Disclosure is Missing 9
TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test 9
TILA Finance Charge Test 9
Charges That In Total Cannot Increase More Than 10% Test 7
Prohibited Fees Test 5
Consummation or Reimbursement Date Validation Test 4
Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure 3
TRID Post-Consummation Revised Closing Disclosure Data Validation Test 3
Cosigner Notice Disclosure is Missing 3
Home Loan 3
TRID Disclosure Delivery and Receipt Date Validation Test 3
Home loan Toolkit is Missing 3
Lender Credits That Cannot Decrease Test 3
TILA Right of Rescission Test 2
Late Fees Test 2
Notice of Special Flood Hazards is Partial 2
Consumer Credit Contracts  Cal. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided 2
Initial Closing Disclosure Delivery Date Test 2
Initial Escrow Account Disclosure is Missing 2
Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test 2
TRID "Section E. Taxes and Other Government Fees" Validation Test 1
TRID Total of Payments Test 1
TRID Initial Closing Disclosure Date and Funding Date Validation Test 1
Colo. Rev. Stat. Ann. § 5-3-105 - Cosigner Notice Disclosure was not provided 1
Collateral Protection Act  815 Ill. Comp. Stat. 180/1 et seq. - Collateral Protection Notice was not provided 1
RESPA Homeownership Counseling Organizations Disclosure Date Test 1
TRID "Section H. Other" Validation Test 1
Lender did not provide ATR/QM Status Determination 1
Qualified Mortgage Points and Fees Finding (12 CFR §1026.43(e)(3)) 1
Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test 1
Vermont Mortgage Lender License Prohibited Fees Test 1
Right to Cancel is Missing 1
TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test 1
Right to Cancel Transaction Date is different from the Transaction Date 1
TRID "Section G. Initial Escrow Payment At Closing" Validation Test 1
Security Instrument Indicator is Missing 1
Documentation Type Test 1
Security Instrument Indicator is Partial 1
TRID Post-Consummation Reason for Redisclosure Validation Test 1
Settlement Cost Booklet was provided more than 3 days from the Originator Application Date 1
TRID Rescission Total of Payments Test 1
MD Credit Regulations Mortgage Loan DTI Provided Test 1
TX Constitution A6 Total Indebtedness Test 1
TILA Rescission Finance Charge Test 1
Written List of Service Providers Disclosure Date Test 1
Per Diem Interest Amount Test 1
Prohibited Fees First Lien Test 1
Total Compliance Grade (A) Exceptions: 465
Property A Title Issues Present 10
Third Party Valuation Product not Provided 6
Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. 5
Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 5
Third Party Desk Review variance to appraised value exceeds 10% 2
Third party AVM Confidence Score is less than 80% 2
UCDP Summary Report is Missing 1
Is Completion Certificate in file is No 1
Was lowest appraised value used to qualify is No 1
Appraisal guideline violation 1
Third Party AVM to appraised value exceeds 10% allowable variance 1
Total Property Grade (A) Exceptions: 35

 

 

 

 

Event Grade Definitions

 

Final Loan Grade
A Loan meets Credit, Compliance, and Valuation Guidelines
B The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines.  
C The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines.
D Loan is missing documentation to perform a sufficient review.

 

 

 

 

Credit Event Grades
A The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable.  The borrower’s willingness and ability to repay the loan is documented and reasonable.
B The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines.  The employment, income, assets and occupancy are supported and justifiable.  The borrower’s willingness and ability to repay the loan is documented and reasonable.  
C The loan does not substantially meet the published guidelines.  There are not sufficient compensating factors that justify exceeding the published guidelines.  The employment, income, assets or occupancy are not supported and justifiable.  The borrower’s willingness and ability to repay the loan were not documented or are unreasonable.
D There was not sufficient documentation to perform a review or the credit file was not furnished.

 

Compliance Event Grades
A The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties.
B The loan is in material compliance with all applicable laws and regulations.  The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required.
C The loan violates one material law or regulation.  The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents.
D There was not sufficient documentation to perform a review or the required legal documents were not furnished.

 

Valuation Event Grades
A The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination.  The appraiser was appropriately licensed and used GSE approved forms.
B The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller.  The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines.  The appraisal was performed on an "as-is" basis and the property is complete and habitable.  The appraiser was appropriately licensed and used GSE approved forms.  
C The value is not supported within 10% of the original appraisal.  The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines.  The property is in below “average” condition or the property is not complete or requires significant repairs.  The appraisal was not performed on an “as is” basis.  The appraiser was not appropriately licensed or did not use GSE approved forms.
D The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

 

 

 


 

GS Mortgage-Backed Securities Trust 2022-MM1 ABS-15G

 

Exhibit 99.1 - Schedule 2

 

 

Loan Number Seller ID Number Finding ID Deal Num Investor Loan Number Deal Specific Name Exception ID Last Name Loan Purpose Occupancy Note Date State Original Loan Amount Loan Status Exception Date Exception Type Exception Subcategory Exception Status Exception Status Change Date Exception Grade Exception Exception Information Exception Rebuttal Exception Rebuttal Date Compensating Factors Statute of Limitation Date Assigned To Status Comment
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared XX/XX/XXXX 1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. DU approved, not applicable.  Exception cleared. Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX) DU Approved, not applicable.   Complete Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Per Diem Interest Amount Test Cleared XX/XX/XXXX 1 Per Diem Interest Amount Test This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §XXX)The per diem interest amount charged on the loan ($XXX) exceeds the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $X buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. This loan passed the per diem interest amount test. (XXX Bus. Prof. Code §XXX)The per diem interest amount charged on the loan ($XXX) does not exceed the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page.; XX/XX/XXXX: Received Trailing's docs; PCCD; Exception cleared XX/XX/XXXX Complete This loan passed the per diem interest amount test. (CA Bus. Prof. Code §XXX)The per diem interest amount charged on the loan ($XXX) does not exceed the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page.
XXXXX XXXXX XXX XXX   XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.         Complete  
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared XX/XX/XXXX 1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. DU approved, not applicable.  Exception cleared.  Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX) DU approved, not applicable.  Exception cleared. Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is not greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX) XX/XX/XXXX Complete Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit AUS is Partial Cleared XX/XX/XXXX 1 AUS is Partial The AUS is Partial; AUS provided does not appear to be final approved DU. ; XX/XX/XXXX: Please provide the final AUS /DU approval  XX/XX/XXXX: Received trailing docs; Final approved AUS; Exception cleared.; The AUS is received in trailing docs and is the Final AUS approval.  XX/XX/XXXX Complete The AUS is received in trailing docs and is the Final AUS approval. 
XXXXX XXXXX XXX XXX   XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
        Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID Post-Consummation Revised Closing Disclosure Data Validation Test Cleared XX/XX/XXXX 1 TRID Post-Consummation Revised Closing Disclosure Data Validation Test This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure. These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. This compliance test 'TRID Post-Consummation Revised Closing Disclosure Data Validation Test' is no longer tested XX/XX/XXXX Complete This compliance test 'TRID Post-Consummation Revised Closing Disclosure Data Validation Test' is no longer tested
XXXXX XXXXX XXX XXX   XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.         Complete  
XXXXX XXXXX XXX XXX   XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
        Complete  
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Cleared XX/XX/XXXX 1 TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested XX/XX/XXXX Complete This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Consumer Credit Contracts  Cal. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided Cleared XX/XX/XXXX 1 Consumer Credit Contracts  Cal. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided Cosigner Notice Disclosure was provided; Consumer Credit Contracts, XXX. Civ. Code § XXX - Cosigner Notice Disclosure was not provided Cosigner Notice Disclosure was provided XX/XX/XXXX Complete Cosigner Notice Disclosure was provided
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Cosigner Notice Disclosure is Missing Cleared XX/XX/XXXX 1 Cosigner Notice Disclosure is Missing The cosigner notice disclosure is Not Applicable; The cosigner notice disclosure is Missing The cosigner notice disclosure is Not Applicable XX/XX/XXXX Complete The cosigner notice disclosure is Not Applicable
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The DTI is showing higher than the approved AUS due to the origination underwriter excluding XXX Federal XXX debt. XXXX shows a balance of XXX, however there is no evidence in the file to support this loan balance in order to exclude the XXX payment from the DTI. Credit report shows the current balance as XXX. File needs to contain evidence of the new balance in order to justify omission of the debt.   The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX XX/XX/XXXX Complete The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance MD Credit Regulations Mortgage Loan DTI Provided Test Cleared XX/XX/XXXX 1 MD Credit Regulations Mortgage Loan DTI Provided Test This loan failed the DTI provided test. ( XXX/XXX,Code, Com. Law II §XXX )
The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was not provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability.
PLEASE NOTE:  This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter X (SB XXX) or Chapter X (HBXXX).

See XXX Credit Regulations Repayment Ability Alert (below) for full repayment ability requirements.
This loan passed the DTI provided test. ( XXX/XXX,  §XXX )
The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability.
PLEASE NOTE:  This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter XXX (XXX) or Chapter XXX (XXX).

See XXX Credit Regulations Repayment Ability Alert (below) for full repayment ability requirements.
XX/XX/XXXX Complete This loan passed the DTI provided test. ( XXX  §XXX )
The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability.
PLEASE NOTE:  This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter XXXX (XXX) or Chapter XXX (XXX).

See MD Credit Regulations Repayment Ability Alert (below) for full repayment ability requirements.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Written List of Service Providers Disclosure Date Test Cleared XX/XX/XXXX 1 Written List of Service Providers Disclosure Date Test Original application date is XX/XX/XXXX.; This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( XX CFR §XXX(e)(X)(vi) )The written list of service providers disclosure date is either: Less than the seventh business day (counting all calendar days except XXX and specified legal public holidays) before consummation of the transaction; or 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)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 §XXX(e)(X)(e)(X)(iii) §XXX(a)(X) and as it relates to §XXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure 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:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, XXXX calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXX(e)(X)(e)(X)(I) but in accordance with the timing requirements in §XXX(e)(X)(e)(X)(iii). This loan passed the written list of service providers disclosure date test due to the following reasons: ( XXX CFR §XXX(e)(X)(vi) )The written list of service providers disclosure date is not less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; and The written list of service providers 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 or mortgage broker receives the consumer's written application. 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 §XXX(a)(X) and as it relates to §XXXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure 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:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, XXXX calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXX(e)(X)(e)(X)(I) but in accordance with the timing requirements in §XXXX(e)(X)(e)(X)(iii).; XX/XX/XXXX: Received trailing docs; Initial disclosure log from client indicating HCOD and initial documents package sent XX/XX/XXXX. Cleared exceptions  XX/XX/XXXX Complete This loan passed the written list of service providers disclosure date test due to the following reasons: ( XX CFR §XXX(e)(X)(vi) )The written list of service providers disclosure date is not less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; andThe written list of service providers 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 or mortgage broker receives the consumer's written application. 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 §XXX(a)(X) and as it relates to §XXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure 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:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, XXXX calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXX(e)(X)(e)(X)(I) but in accordance with the timing requirements in §XXX(e)(X)(e)(X)(iii).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That In Total Cannot Increase More Than 10% Test Cleared XX/XX/XXXX 1 Charges That In Total Cannot Increase More Than 10% Test Lender's title insurance increased from $XXX to $XXX.; This loan failed the charges that in total cannot increase more than XX% test.  (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). This loan passed the charges that in total cannot increase more than XXX% test.  (§XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). XX/XX/XXXX Complete This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) do not exceed the comparable charges ($XXXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance RESPA Homeownership Counseling Organizations Disclosure Date Test Cleared XX/XX/XXXX 1 RESPA Homeownership Counseling Organizations Disclosure Date Test This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR §XXX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orthel homeownership counseling organizations disclosure date is after the closing date. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. This calculation take 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 §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an 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:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations.; Original application date is XX/XX/XXXX. This loan passed the homeownership counseling organizations disclosure date test. ( §XXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date. Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data. 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 §XXX(b) and as it relates to §XXXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an 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:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations.; XX/XX/XXXX: Received trailing docs; Initial disclosure log from client indicating HCOD and initial documents package sent XX/XX/XXXX. Cleared exceptions  XX/XX/XXXX Complete This loan passed the homeownership counseling organizations disclosure date test. ( XX CFR §XXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.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 §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an 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:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient Cleared XX/XX/XXXX 1 Hazard Insurance Coverage is Not Sufficient Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. Hazard insurance coverage is XXX, the subject loan amount is XXXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX. XX/XX/XXXX Complete Hazard insurance coverage is XXX, the subject loan amount is XXXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable Back end DTI of XXX% exceeds allowable AUS of XXX% within the XXX% FNMA Tolerance, Exception Cleared. ; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX XX/XX/XXXX Complete The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable DTI variance due to liabilities.  Per UW Conditions dated XX/XX/XXXX, a Credit supplement was required. Credit report provided included debts that are not included on the final XXX or AUS/DU. Please provide credit supplement. ; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX XX/XX/XXXX: Received trailing docs; in lieu of a credit supplement; the client provided an updated AUS / XXXX; Exception cleared. ; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX XX/XX/XXXX Complete The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test Cleared XX/XX/XXXX 1 Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test Correcting receipt date input in LE/CD input; exception cleared   Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test Final Inspection Fee $XXX added to Closing Disclosure dated XX/XX/XXXX, No COC in file or proof a refund; This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). This loan passed the charges that cannot increase test.  (§XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TILA Finance Charge Test Cleared XX/XX/XXXX 1 TILA Finance Charge Test This loan failed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of  $XXX is not considered accurate because it is understated by more than $XXX. This loan passed the TILA finance charge test.( XX CFR §XXXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed. XX/XX/XXXX Complete This loan passed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Home Loan Cleared XX/XX/XXXX 1 Home Loan Home Loan
 (§ XXXX, § XXX (m))
The loan is a home loan, as defined in the legislation, due to one of the following findings:
The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling; orthel loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling.
Informational purposes. Exception cleared   Complete Home Loan
 ( XXX § X, § XXX)
The loan is a home loan, as defined in the legislation, due to one of the following findings:
The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling; orthel loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient Cleared XX/XX/XXXX 1 Hazard Insurance Coverage is Not Sufficient Coverage amount covers replacement cost estimator value of XXX.  Site value per appraisal is $XXX.  Coverage is sufficient.; Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. HOI is sufficient per FNMA G/L. Exception cleared   Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void XX/XX/XXXX 1 Regulation §XX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than  XX%. DU approved, not applicable.  Exception cleared.; Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXXX and Total Monthly Debt XXX and Future PITI XXX) DU Approved, not applicable.   Complete Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; This loan failed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Void XX/XX/XXXX 1 TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Exception error   Complete This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Borrower Income Verification does not match Approval Cleared XX/XX/XXXX 1 Borrower Income Verification does not match Approval XX/XX/XXXX: UW income calculations based on final approved income has not been provided. AUS and Transmittal are for a different loan amount. Please provide final approval, final AUS, final XXX, final high cost analysis and final QM income debt worksheets. ; The borrower income verification does not match approval The borrower income verification does match approval. QM worksheet provided in trailing docs. Client offset negative rental income with positive rental income. Applied as offset in liability screen to reflect the clients calculations; XX/XX/XXXX: Escalation: Reviewed file and was able to reconcile borrowers income. However, income used for the REO properties is unclear.  the QM ATR worksheets provided do not match the AUS specified income amounts  nor XXX recently received in trailing docs, nor does it match the figures used on the Final XXX. There are several REOs and business income omitted on one document, included on the next.  Please provided the final income and debts worksheet that correlates to the figures used for approval or provide a breakdown of all income calculations.   ; XX/XX/XXXX: Please provide the income calculations as per the approval  XX/XX/XXXX Complete The borrower income verification does match approval. QM worksheet provided in trailing docs. Client offset negative rental income with positive rental income. Applied as offset in liability screen to reflect the clients calculations
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; Zero percent tolerance in the amount of $XXXfor Discount Points added to CD XX/XX/XX.  Need evidence of COC, PCCD or copy of refund check to borrower in the amount of $XXX. This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; This loan failed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX:  As of XX/XX/XXXX, loan amount decreased and discount points added in the amount of $XXX. furthermore, there appears to be two different disclosures sent on XX/XX/XXXX, each in a different loan amount, different discount points and no record to confirm if either were sent to the borrower. I all cases,  Please provide TRID history along with a valid COC, PCCD or copy of refund to borrower.  XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Lender initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Lender initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Transmittal Summary is Partial Cleared XX/XX/XXXX 1 Transmittal Summary is Partial XX/XX/XXXX: AUS and Transmittal are for a different loan amount. Please provide final approval, final AUS, final XXX, final high cost analysis and final QM income debt worksheets. ; The transmittal summary is Partial.  Loan amount on Transmittal is $XXX. Final executed Note is $XXX XX/XX/XXXX: Received trailing docs; Transmittal XXX; Exception cleared. ; The transmittal summary is Present XX/XX/XXXX Complete The transmittal summary is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XXX% + XXX% allowance or XXX ; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; XX/XX/XXXX: Escalation: Reviewed file and was able to reconcile borrowers income. However, income used for the REO properties is unclear.  the QM ATR worksheets provided do not match the AUS or XXX recently received in trailing docs, nor does it match the figures used on the Final XXX. There are several REOs and business income omitted on one document, included on the next.  Please provided the final income and debts worksheet that correlates to the figures used for approval.  ; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX XX/XX/XXXX Complete The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XXX% + XXX% allowance or XXX 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.; The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
; The exception 'No Compliance Findings' is cleared.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit AUS is Partial Cleared XX/XX/XXXX 1 AUS is Partial XX/XX/XXXX: AUS and Transmittal are for a different loan amount. Please provide final approval, final AUS, final XXX, final high cost analysis and final QM income debt worksheets. ; The AUS is Partial. Approved loan amount is $XXX. Final executed Note is at $XXX XX/XX/XXXX: Received trailing docs; AUS#X; Exception cleared. ; The AUS is received. XX/XX/XXXX Complete The AUS is received.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test XX/XX/XXXX: Exception is for the discount points increase on C XX/XX/XXXX form $XXX to $XXX and a valid COC is not present. Please provide COC, PCCD or Reimbursement to the borrower. ; This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX: Received rate extension in trailing docs; Exception cleared XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure Cleared XX/XX/XXXX 1 Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure Original PI Payment on Note matches Final CD
From Hard Coded form in template:
'Closing Disclosure' at XX/XX/XXXX, 'Closing Disclosure' at XX/XX/XXXX, 'Closing Disclosure' at XX/XX/XXXX
Original PI Payment on Note matches Final CD XX/XX/XXXX Complete Original PI Payment on Note matches Final CD
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX XX/XX/XXXX Complete The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Qualified Mortgage Points and Fees Finding (12 CFR §1026.43(e)(3)) Cleared XX/XX/XXXX 1 Qualified Mortgage Points and Fees Finding (XX CFR §XXXX(e)(X)) Subject loan's points and fees exceed the qualified mortgage points and fees threshold. Corrected.  XX/XX/XXXX Complete Corrected. 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Home loan Toolkit is Missing Cleared XX/XX/XXXX 1 Home loan Toolkit is Missing The home loan toolkit is Missing The home loan toolkit received. XX/XX/XXXX Complete The home loan toolkit received.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Housing history does not meet guidelines Cleared XX/XX/XXXX 1 Housing history does not meet guidelines Housing history does not meet guidelines. DU in file required verification of Mortgage History of XXX for creditor XXX and that verification is not in the loan file. XX/XX/XXXX: Received trailing docs. verification of ownership for property at XXX showing borrower as joint owner and mortgage statement with escrow. Exception cleared XX/XX/XXXX Complete
XXXXX XXXXX XXX XXX   XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test Discounts point increased from $XXX to $XXX.  Need COC to support increase or Post Closing CD or proof or reimbursement to Borrower.; This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). XX/XX/XXXX:  Received COCs dated XX/XX/XXXX and XX/XX/XXXX, rate lock dated XX/XX/XXXX, sign log and conversation log in trailing docs.  Exception cleared.; This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX     Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX   XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Lender Credits That Cannot Decrease Test Cleared XX/XX/XXXX 1 Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. ( XX CFR §XXX(e)(X)(I) )The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). XX/XX/XXXX:  Received COCs dated XX/XX/XXXX and XX/XX/XXXX, rate lock dated XX/XX/XXXX, sign log and conversation log in trailing docs.  Exception cleared.; This loan passed the lender credits that cannot decrease test. ( XX CFR §XXXX(e)(X)(I) )The loan contains lender credits that do not exceed the good faith determination according to §XXXX(e)(X)(I). The final sum of specific and non-specific lender credits ($XXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX     Complete This loan passed the lender credits that cannot decrease test. ( XX CFR §XXX(e)(X)(I) )The loan contains lender credits that do not exceed the good faith determination according to §XXX(e)(X)(I). The final sum of specific and non-specific lender credits ($XXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit CoBorrower Employment Verification does not meet guidelines Cleared XX/XX/XXXX 1 CoBorrower Employment Verification does not meet guidelines WX not provided; X paystub provided.  Need copy of WX's and additional paystub.  Corrected: DU section XXX is satisfied with WVOE; exception cleared.  XX/XX/XXXX Complete Corrected: DU section XXX is satisfied with WVOE; exception cleared. 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Borrower Employment Verification does not meet guidelines Cleared XX/XX/XXXX 1 Borrower Employment Verification does not meet guidelines WX not provided; X paystub provided.  Need copy of WX's and additional paystub.  Corrected: DU section XXX is satisfied with WVOE; exception cleared.  XX/XX/XXXX Complete Corrected: DU section XX is satisfied with WVOE; exception cleared. 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Transmittal Summary is Missing Cleared XX/XX/XXXX 1 Transmittal Summary is Missing Please provide the transmittal summary that corresponds with the approved AUS #X ; The transmittal summary is Missing XX/XX/XXXX: Received trailing docs; Transmittal XXX; Exception cleared. ; The transmittal summary is Present XX/XX/XXXX Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void   1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXXX and Total Monthly Debt XXX and Future PITI XXX) DU approved; Exception cleared.  XX/XX/XXXX Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Home loan Toolkit is Missing Cleared XX/XX/XXXX 1 Home loan Toolkit is Missing The home loan toolkit is Missing XX/XX/XXXX: Received trailing docs; HLTK; Exception cleared. ; The home loan toolkit received. XX/XX/XXXX Complete The home loan toolkit received.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void 1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Not applicable; AUS approved. Exception cleared DU Approved, not applicable. Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Cleared XX/XX/XXXX 1 Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. Third Party Valuation Product Provided. XX/XX/XXXX Complete Third Party Valuation Product Provided.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product not Provided Cleared XX/XX/XXXX 1 Third Party Valuation Product not Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. Third Party Valuation Product Provided; Received trailing docs; CDA; Exception cleared.  XX/XX/XXXX Complete Third Party Valuation Product Provided; Received trailing docs; CDA; Exception cleared. 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Cleared XX/XX/XXXX 1 Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Third Party Valuation Product Not Provided and CU Score is XXX. Third Party Valuation Product Provided. XX/XX/XXXX Complete Third Party Valuation Product Provided.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Late Fees Test Cleared XX/XX/XXXX 1 Late Fees Test This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before  XX/XX/XXXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX(a))For loans with a date creditor received application on or after XXX :When a scheduled payment in a consumer credit transaction is in default XX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX(a))PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXX will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. This loan passed the late fees test.The loan has late fees that conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))For loans with a date creditor received application on or after XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXX will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. XX/XX/XXXX Complete This loan passed the late fees test.The loan has late fees that conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before XXX X, XXXX:When a scheduled payment in a consumer credit transaction is in default XX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))For loans with a date creditor received application on or after XXX X, XXXX:When a scheduled payment in a consumer credit transaction is in default XX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXX will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. XX/XX/XXXX Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared   1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. DU approved, not applicable. Exception cleared.  DU Approved, not applicable.   Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared. The loan meets all applicable credit guidelines. XX/XX/XXXX Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Hazard Insurance Effective Date is after the Note Date Cleared XX/XX/XXXX 1 Hazard Insurance Effective Date is after the Note Date .; The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX XX/XX/XXXX: Received trailing docs; HOI coverage date back to XX/XX/XXXX; Exception cleared. ; Received trailing docs; HOI coverage dating back to XX/XX/XXXX.  XX/XX/XXXX Complete Received trailing docs; HOI coverage dating back to XX/XX/XXXX. 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Transmittal Summary is Missing Cleared XX/XX/XXXX 1 Transmittal Summary is Missing please provide transmittal XXX that aligns with AUS/DU Sub#X; The transmittal summary is Missing The transmittal summary is Present XX/XX/XXXX Complete The transmittal summary is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Lender did not provide ATR/QM Status Determination Cleared XX/XX/XXXX 1 Lender did not provide ATR/QM Status Determination Lender did not provide ATR/QM Status Determination; Please provide QM /ATR final designation (high cost analysis) Lender ATR/QM status determination provided. XX/XX/XXXX Complete Lender ATR/QM status determination provided.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Borrower Income Verification does not match Approval Cleared XX/XX/XXXX 1 Borrower Income Verification does not match Approval Cash analysis provided does not reflect the final program calculations. Please provide the final cash analysis. The borrower income verification does not match approval The borrower income verification does match approval; Received XXX and QM worksheet in trailing docs; Exception cleared. XX/XX/XXXX Complete The borrower income verification does match approval; Received XXX and QM worksheet in trailing docs; Exception cleared.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX XX/XX/XXXX Complete The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared XX/XX/XXXX 1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXXX and Total Monthly Debt XXX and Future PITI XXX) Not applicable/AUS -DU approved. Exception cleared   Complete Change status of 'Regulation §XXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XXX%.' from Active to Open Rebuttal.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared XX/XX/XXXX 1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. DU approved, not applicable.  Exception cleared.; Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXXX and Future PITI XXX) DU Approved, not applicable.   Complete Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Notice of Special Flood Hazards is Partial Cleared XX/XX/XXXX 1 Notice of Special Flood Hazards is Partial Notice of special flood hazards is present but not signed/acknowledged by the borrowers as required by NFIP/FDPA. Please provide the signed copay of the Notice to borrower; The notice of special flood hazards is Partial The notice of special flood hazards is Present; XX/XX/XXXX: Received trailing docs; EO compliance agreement; client sending corrected XXX. Exception pending receipt of delivery. ; XX/XX/XXXX:  Please provide the signed Notice to borrower of special flood hazards disclosure XX/XX/XXXX Complete The notice of special flood hazards is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Flood Insurance Policy is Missing Cleared XX/XX/XXXX 1 Flood Insurance Policy is Missing please provide a copy of the effective flood policy. ; The flood insurance policy is Missing The flood insurance policy is Present XX/XX/XXXX Complete The flood insurance policy is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation. XX/XX/XXXX: Received trailing docs; Valid COC dated XX/XX/XXXX. Exception cleared; This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation. XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; Tolerance violance due to addition of discount points of $XXX without a valid COC or rate lock.  XX/XX/XXXX: Received trailing docs; Valid COC dated XX/XX/XXXX. Exception cleared; This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX   XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property UCDP Summary Report is Missing Cleared XX/XX/XXXX 1 UCDP Summary Report is Missing The SSR indicator is Missing The SSR indicator is Present; XX/XX/XXXX:  Received in trailing docs.  Exception cleared. XX/XX/XXXX     Complete The SSR indicator is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; The loan APR increased from XXX to XXX on the on the XXX CD.  Provide a valid COC for the APR increase This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation. XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. The exception 'No Credit Findings' is cleared. XX/XX/XXXX Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; discount points increased from $XXX  on the XXX LE to $XXX on the XXX CD.  Provide a valid COC for the fee increase This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Title Issues Present Cleared XX/XX/XXXX 1 Title Issues Present Please provide sufficient title policy that is equal to or greater than the executed Note; The following issues were noted: The title policy amount is not equal to or greater than the executed Note.  Title policy is in the amount of $XXX.  The Note is in the amount of $XXX.  XX/XX/XXXX: Received trailing docs; TPOL; Exception cleared XX/XX/XXXX Complete XX/XX/XXXX: Received trailing docs; TPOL; Exception cleared
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void XX/XX/XXXX 1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. DU approved, not applicable.  Exception cleared.; Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX) DU Approved, not applicable. Complete Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TX Constitution A6 Total Indebtedness Test Void XX/XX/XXXX 1 TX Constitution A6 Total Indebtedness Test This loan failed the total indebtedness test due to one of the following findings:
 (XXX Constitution, Article XXX, Section XXX (a)(X)(B), as amended XXX)The loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XXX% of the fair market value of the homestead on the date the extension of credit is made. No CLTV ratio was provided.  For XXX Constitution XXX this information is required to determine if the loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XXX% of the fair market value of the homestead on the date the extension of credit is made.
Exception error Complete This loan failed the total indebtedness test due to one of the following findings:
 (XXX Constitution, Article XX, Section XX (a)(X)(B), as amended Sept. XXXX)The loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XX% of the fair market value of the homestead on the date the extension of credit is made. No CLTV ratio was provided.  For XXX Constitution XXX this information is required to determine if the loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XX% of the fair market value of the homestead on the date the extension of credit is made.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared XX/XX/XXXX 1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. DU approved, not applicable.  Exception cleared. Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXXX and Total Monthly Debt XXX and Future PITI XXX); DU approved. DU Approved, not applicable.   Complete Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That In Total Cannot Increase More Than 10% Test Cleared XX/XX/XXXX 1 Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XX% test.  (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). XX/XX/XXXX: Received trailing docs: LOE of Lender credit that was issued to cover the amount of the mortgage recording fee increase that exceed the XXX% tolerance. Re-ran CE and cleared exception. ; This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi). XX/XX/XXXX Complete This loan passed the charges that in total cannot increase more than XX% test.  (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) do not exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void XX/XX/XXXX 1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXXX and Total Monthly Debt XXX and Future PITI XXX) DU approved, not applicable.  Exception cleared. XX/XX/XXXX Complete Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void XX/XX/XXXX 1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. DU approved, not applicable.  Exception cleared.; Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX) DU Approved, not applicable.   Complete Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Home loan Toolkit is Missing Cleared XX/XX/XXXX 1 Home loan Toolkit is Missing The home loan toolkit is Missing; The Tool Kit is missing from the loan file.  The home loan toolkit received. XX/XX/XXXX Complete The home loan toolkit received.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Title Issues Present Cleared XX/XX/XXXX 1 Title Issues Present Please provide sufficient title policy that is equal or greater than the executed Note ; The following issues were noted: Title policy provided is in the amount of $XXX which is not equal or greater than the executed Note amount of $XXX Received trailing docs; sufficient title policy XX/XX/XXXX Complete Received trailing docs; sufficient title policy
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX variance allowance.  XX/XX/XXXX: Rebuttal Research -Exception cleared for DTI.  Positive REO was used to offset the Neg REO properties. ; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX XX/XX/XXXX Complete The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test Please provide the post closing CD, Change of Circumstance, or proof of reimbursement to borrower. ; This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. XX/XX/XXXX: Received trailing docs; PCCD with Reimbursement - exception cleared. ; This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation.; XX/XX/XXXX: Tolerance violation of $XXX, due to an increase in discount point from $XXX. to $XXX on the consummation CD dated XX/XX/XXXX, without a valid COC. Please provide a post closing CD, Change of Circumstance, or proof of reimbursement to borrower. ; This loan failed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test Please provide the post closing CD, Change of Circumstance, or proof of reimbursement to borrower. ; This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; Tolerance violation of $XXX, due to an increase in discount point from $XXX to $XXX without a valid COC. XX/XX/XXXX: Received trailing docs; PCCD with Reimbursement - exception cleared. ; This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX: Tolerance violation of $XXX, due to an increase in discount point from $XX,XXXX. to $XXX on the consummation CD dated XX/XX/XXXX, without a valid COC. Please provide a post closing CD, Change of Circumstance, or proof of reimbursement to borrower. ; This loan failed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Void XX/XX/XXXX 1 TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Not applicable; Section B fees are not allocated to lender nor broker; exception cleared XX/XX/XXXX Complete This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID "Section G. Initial Escrow Payment At Closing" Validation Test Cleared   1 TRID "Section G. Initial Escrow Payment At Closing" Validation Test No reserves disclosed in Section G. HOI paid at closing & there are no escrows.  Escrow waiver present; Page X of Final CD indicates Borrower declined. No escrows collected at closing. Exception cleared.  XX/XX/XXXX Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared   1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. System error, exception generated in error Not applicable/AUS-DU approved; Exception cleared XX/XX/XXXX Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; Tolerance violation of $XXX, due to increase in points from $XXX to $XXX without a valid COC. This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX: Loan amount increased/ fees in section A increased after ICD dated XX/XX/XXXX. Please provide the COC associated with the redisclosure XX/XX/XXXX XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation. XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit AUS is Partial Cleared XX/XX/XXXX 1 AUS is Partial The AUS is Partial. Final AUS-DU has not been provided.  XX/XX/XXXX: Received trailing docs; Final AUS; exception cleared ; The AUS is received in trailing docs. Exceptions cleared  XX/XX/XXXX Complete The AUS is received in trailing docs. Exceptions cleared 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable Provide final AUS; The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX XX/XX/XXXX: Received trailing docs; Final AUS; exception cleared ; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX XX/XX/XXXX Complete The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit CLTV Exceeds the AUS Maximum Allowable Cleared XX/XX/XXXX 1 CLTV Exceeds the AUS Maximum Allowable The original CLTV of XXX is not greater than the maximum allowable per AUS of XXX; The original CLTV of XXXX  exceeds maximum allowable per AUS of XXX The original CLTV of XXX is not greater than the maximum allowable per AUS of XXX; The original CLTV of XXX  exceeds maximum allowable per AUS of XXX; The original CLTV of XXX  exceeds maximum allowable per AUS of XXX; The original CLTV of XXX is not greater than the maximum allowable per AUS of XXX XX/XX/XXXX Complete The original CLTV of XXX is not greater than the maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Was lowest appraised value used to qualify is No Cleared XX/XX/XXXX 1 Was lowest appraised value used to qualify is No Was lowest appraised value used to qualify is No.  Two appraisals in file, however the lowest appraised value was not used to qualify. XX/XX/XXXX: Received trialing docs; LOE for XXX appraisal was not due to lender requirement, rather additional comps added. CDA supports final value. Exception cleared. ; XX/XX/XXXX: Please provide LOE and/or supporting documentation for why a XXX appraisal by the same appraiser was completed and why  the higher appraisal amount  was used for approval  XX/XX/XXXX Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit LTV Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 LTV Exceeds AUS Maximum Allowable The original LTV of XXX is not greater than the maximum allowable per AUS  of XXX; The original LTV of XXX  exceeds the maximum allowable per AUS of XXX The original LTV of XXX is not greater than the maximum allowable per AUS  of XXX; The original LTV of XXX  exceeds the maximum allowable per AUS of XXX; The original LTV of XXX  exceeds the maximum allowable per AUS of XXX; The original LTV of XXX is not greater than the maximum allowable per AUS  of XXX XX/XX/XXXX Complete The original LTV of XXX is not greater than the maximum allowable per AUS  of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Title Issues Present Cleared XX/XX/XXXX 1 Title Issues Present The following issues were noted: File does not contain a Title policy in the amount equal or greater than the Note amount of $XXX. Received trailing docs, Final title policy in the amount equal or greater than the Note amount of $XXX has been provided. Exception cleared.  XX/XX/XXXX Complete Received trailing docs, Final title policy in the amount equal or greater than the Note amount of $XXX has been provided. Exception cleared. 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Desk Review variance to appraised value exceeds 10% Cleared XX/XX/XXXX 1 Third Party Desk Review variance to appraised value exceeds 10% Additional third party valuation requested to support value. Please provide TPV to support value of $XXXX XX/XX/XXXX: Received trailing docs; CDA dated XX/XX/XXXX  is for another borrower (XXX) and different property. Please provide the CDA for borrower XXX. Value must be within XXX% of the appraised value.   ; Third party Desk Review variance of -XXX exceeds XXX% maximum allowed.; Additional third party valuation requested to support value. XX/XX/XXXX Complete Additional third party valuation requested to support value.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Security Instrument Indicator is Missing Cleared XX/XX/XXXX 1 Security Instrument Indicator is Missing The security instrument indicator is Missing The security instrument indicator is Present; XX/XX/XXXX: Please provide missing mortgage or Deed of trust (Security instrument).  XX/XX/XXXX Complete The security instrument indicator is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Housing history does not meet guidelines Cleared XX/XX/XXXX 1 Housing history does not meet guidelines Housing history does not meet guidelines. Only XXX months of rental history were provided for the borrowers previous primary address.  Housing delinquency meets guidelines. Exception cleared - invalid based on AUS findings.  XX/XX/XXXX Complete Housing delinquency meets guidelines. Exception cleared - invalid based on AUS findings. 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; The Points - Loan Discount Fee does not have a change or circumstance for the fee increase.  This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX: Received trailing docs; Refund/ Exception cleared.  XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. The exception 'No Credit Findings' is cleared. XX/XX/XXXX Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
The exception 'No Compliance Findings' is cleared. XX/XX/XXXX Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That In Total Cannot Increase More Than 10% Test Cleared XX/XX/XXXX 1 Charges That In Total Cannot Increase More Than 10% Test The Appraisal fee increase does not have a Change of Circumstance.  This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi).; Change status of 'Charges That In Total Cannot Increase More Than XXX% Test' from Active to Open Rebuttal.; This loan failed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi).; XX/XX/XXXX: Received trailing docs; LOE/COC  XX/XX/XXXX Complete This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Cleared XX/XX/XXXX 1 TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test The fee for the Clear Capital Desk Review is showing as paid to the lender.; This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested; This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.; Clerical error. Updated to clear exception. XX/XX/XXXX Complete This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Cleared XX/XX/XXXX 1 Escrow Waiver Disclosure is Missing The escrow waiver disclosure is Missing XX/XX/XXXX: Received trailing docs;  XXX ; Exception cleared. ; The escrow waiver disclosure is Present XX/XX/XXXX Complete The escrow waiver disclosure is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines. The exception 'No Credit Findings' is cleared. XX/XX/XXXX Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Cleared XX/XX/XXXX 1 Escrow Waiver Disclosure is Missing The escrow waiver disclosure is Missing The escrow waiver disclosure is Present XX/XX/XXXX Complete The escrow waiver disclosure is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; This loan failed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation.; This loan failed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX dXays after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Void XX/XX/XXXX 1 TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Not applicable; all section set to Other; Exception cleared.  This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested XX/XX/XXXX Complete This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test Void XX/XX/XXXX 1 TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test ***Disregard exception, exception triggered in error.  System error.***; This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section C. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount and a subtotal of all such amounts the consumer will pay for settlement services for which the consumer can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Exception error   Complete This loan failed the TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section C. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount and a subtotal of all such amounts the consumer will pay for settlement services for which the consumer can shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Title Issues Present Cleared XX/XX/XXXX 1 Title Issues Present The following issues were noted: The XXXX policy dated XX/XX/XXXX is not equal to or greater than the Note amount. ; Please provide Final title policy in the amount equal to or greater than the executed Note.  XX/XX/XXXX: Received trailing docs; TPOL; Exception cleared XX/XX/XXXX Complete XX/XX/XXXX: Received trailing docs; TPOL; Exception cleared
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX.  Utilized XXX% variance allowed.; DTI-increased tax amount on final CD does not match AUS/XXX. XX/XX/XXXX Complete The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX.  Utilized XXX% variance allowed.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
; The exception 'No Compliance Findings' is cleared.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Documentation Type Test Cleared   1 Documentation Type Test Not applicable; Doc type is indicated as full doc. Exception cleared.  Informational purposes. Exception cleared   Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Asset Documents are Incomplete Cleared XX/XX/XXXX 1 Asset Documents are Incomplete Asset Documents are Incomplete: Documentation showing the sale of property XXX XXX is required showing amount paid to borrower.  Final CE/Settlement Statement.  Received settlement statement for sale of departing property XX/XX/XXXX Complete Received settlement statement for sale of departing property
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That In Total Cannot Increase More Than 10% Test Cleared XX/XX/XXXX 1 Charges That In Total Cannot Increase More Than 10% Test The mortgage recording fees increased from $XXX on the LE XX/XX/XX to $XXX  $XXX/borrower paid and $XX/seller paid on CD XX/XX/XX.  This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi).; This loan failed the charges that in total cannot increase more than XX% test.  (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi). XX/XX/XXXX Complete This loan passed the charges that in total cannot increase more than XX% test.  (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Liquid Reserves (Dollar Amount) are less than AUS Minimum Required Cleared XX/XX/XXXX 1 Liquid Reserves (Dollar Amount) are less than AUS Minimum Required Documentation showing the sale of property XXX XXX is required showing amount paid to borrower.  Final CE/Settlement Statement.  The liquid reserves of XXX are greater than or equal to the AUS minimum required of XXX. XX/XX/XXXX Complete The liquid reserves of XXX are greater than or equal to the AUS minimum required of XXX.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Insufficient cash to close. Cleared XX/XX/XXXX 1 Insufficient cash to close. Documentation showing the sale of property XXX XXX is required showing amount paid to borrower.  Final CE/Settlement Statement.  Sufficient cash to close is documented. XX/XX/XXXX Complete Sufficient cash to close is documented.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Home Loan Cleared XX/XX/XXXX 1 Home Loan Home Loan
 (XXX § X, XXX §XXX (m))
The loan is a home loan, as defined in the legislation, due to one of the following findings:
The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling; orthel loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling.
Change status of 'Home Loan' from Active to Acknowledged by Client.; Change severity of 'Home Loan' from Material to Non-Material.; N/A. XX/XX/XXXX Complete Home Loan
 (XXX § X, XXX))
The loan is a home loan, as defined in the legislation, due to one of the following findings:
The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling; orthel loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXXX) exceeds the maximum allowable per AUS of XXX.   DTI higher than final XXXX due to CoBorrower' s primary residence being included in the calculation.  Subject loan is a second home. The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX XX/XX/XXXX Complete The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Final Loan Application is Partial Cleared XX/XX/XXXX 1 Final Loan Application is Partial Final Loan Application is Partial. CoBorrower application, page XXXX, missing answers to some of the questions. Final Loan Application is Present; XX/XX/XXXX: Received trailing docs; Final complete XXXX for Co-Bwr. Exception cleared.  XX/XX/XXXX Complete Final Loan Application is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void XX/XX/XXXX 1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXXX XXX Total Monthly Debt XXX and Future PITI XXX) Regulation §XXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is not greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX); Regulation §XXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX); Regulation §XXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is not greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX); Regulation §XXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX) XX/XX/XXXX Complete Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is not greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared XX/XX/XXXX 1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Not applicable/AUS -DU approved. Exception cleared; Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX) Not applicable/AUS -DU approved. Exception cleared   Complete Change status of 'Regulation §XXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XXX%.' from Active to Open Rebuttal.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX + .XXX allowance (XXX). ;
; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX
XX/XX/XXXX Complete The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XXX + .XXX allowance (FNMA).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Cleared XX/XX/XXXX 1 Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Please provide TPV; Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. Third Party Valuation Product Provided. XX/XX/XXXX Complete Third Party Valuation Product Provided.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit AUS is Partial Cleared XX/XX/XXXX 1 AUS is Partial The AUS is Partial. AUS provided #X, #X, #X appear to not be the final approved AUS. ; Please provide the final Approved AUS-DU that correlates to final loan data.  The AUS is received. Received trailing docs; confirmed AUS #XXX is final; Exception cleared.  XX/XX/XXXX Complete The AUS is received. Received trailing docs; confirmed AUS #X is final; Exception cleared. 
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Home Loan Cleared XX/XX/XXXX 1 Home Loan Home Loan
 (XXX § X, XXX (m))
The loan is a home loan, as defined in the legislation, due to one of the following findings:
The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling; orthel loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling.
Informational purposes. Exception cleared   Complete Home Loan
 (XXX § §XXX)
The loan is a home loan, as defined in the legislation, due to one of the following findings:
The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling; orthel loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Note Document Indicator is Partial Cleared XX/XX/XXXX 1 Note Document Indicator is Partial Note document not signed by coborrower XX/XX/XXXX: Received trailing docs: Fully executed Note with both borrowers signature. Exception cleared; Note document indicator is Present XX/XX/XXXX Complete Note document indicator is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Note is not executed by all borrowers Cleared XX/XX/XXXX 1 Note is not executed by all borrowers Note is not executed by all borrowers. Coborrower did not sign XX/XX/XXXX: Received trailing docs: Fully executed Note with both borrowers signature. Exception cleared; Note is executed by all borrowers XX/XX/XXXX Complete Note is executed by all borrowers
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Appraisal guideline violation Cleared XX/XX/XXXX 1 Appraisal guideline violation External obsolescence present indicator is Yes
Appraisal does not state the bedroom/bathroom count for subject property. Subject pictures reflects XXXX bedrooms and XX baths.; Appraisal guideline violation:  
XX/XX/XXXX: Rebuttal; Review of the appraisal does not indicate any external obsolescence that would impact the value. Bedrooms are documented within comments. Exception cleared. ; Appraisal guideline violation is now acceptable.    XX/XX/XXXX Complete Appraisal guideline violation is now acceptable.   
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Minimum Trade Line Requirement Not Met Cleared XX/XX/XXXX 1 Minimum Trade Line Requirement Not Met Borrower(s) have not met the minimum tradeline requirement per lender guidelines.  Borrower has X open line.  X closed (PIF lines) closing in XXX. Minimum requirement is XXX open trades.  Borrower(s) have met the minimum tradeline requirement per lender guidelines.   XX/XX/XXXX Complete Borrower(s) have met the minimum tradeline requirement per lender guidelines.  
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Cleared XX/XX/XXXX 1 Escrow Waiver Disclosure is Missing The escrow waiver disclosure is Missing XX/XX/XXXX: Received trailing docs; CA XXX disclosure; Exception cleared. ; The escrow waiver disclosure is Present XX/XX/XXXX Complete The escrow waiver disclosure is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared   1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Not appliable, AUS approved, Exception cleared.  DU Approved, not applicable.   Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void XX/XX/XXXX 1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Not applicable; AUS DU approved. Exception cleared DU Approved, not applicable. Complete Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX)
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID Post-Consummation Revised Closing Disclosure Data Validation Test Cleared XX/XX/XXXX 1 TRID Post-Consummation Revised Closing Disclosure Data Validation Test This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure. These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test. XX/XX/XXXX: Exception cleared; File Receipt date XX/XX/XXXX, PCCD & Refund XX/XX/XXXX XX/XX/XXXX Complete This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure.These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test Discount points increased on CD XX/XX/XXXX by $XXX. Please provide valid COC, PCCD or reimbursement to the borrower. ; This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; Discount points increased from $XXX to $XXX no COC in file of proof a refund was issued for $XXX This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX: Received trialing docs; PCCD and refund to borrower for XXX; Exceptions cleared.  XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; Discount points increased from $XXX to $XXX.X, no coc in file or proof a refund was issued for $XX.X; This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; XX/XX/XXXX: Received trialing docs; PCCD and refund to borrower for XXX; Exceptions cleared.  XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Cleared XX/XX/XXXX 1 Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Third Party Valuation Product Not Provided and CU Score is XXX. XX/XX/XXXX: Received trailing docs; CDA; Exception cleared. ; Third Party Valuation Product Provided. XX/XX/XXXX Complete Third Party Valuation Product Provided.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product not Provided Cleared XX/XX/XXXX 1 Third Party Valuation Product not Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. XX/XX/XXXX: Received trailing docs; CDA; Exception cleared. ; Third Party Valuation Product Provided XX/XX/XXXX Complete Third Party Valuation Product Provided
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Cleared XX/XX/XXXX 1 Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. XX/XX/XXXX: Received trailing docs; CDA; Exception cleared. ; Third Party Valuation Product Provided. XX/XX/XXXX Complete Third Party Valuation Product Provided.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Transmittal Summary is Partial Cleared XX/XX/XXXX 1 Transmittal Summary is Partial The transmittal summary is Partial. Need final XXX reflecting the Note rate of XXX% and PITI of $XXX. The transmittal summary is Present XX/XX/XXXX Complete The transmittal summary is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit AUS is Partial Cleared XX/XX/XXXX 1 AUS is Partial The AUS is Partial.  Need final DU reflecting the Note rate of XXX% and PITI of $XXX. The AUS is received in trailing docs XX/XX/XXXX Complete The AUS is received in trailing docs
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX XX/XX/XXXX Complete The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Cleared XX/XX/XXXX 1 Escrow Waiver Disclosure is Missing Need escrow waiver for taxes and hazard insurance.  The only thing being escrowed is flood insurance.; The escrow waiver disclosure is Missing The escrow waiver disclosure is Not Applicable; XX/XX/XXXX: Received trailing docs; LOE for escrow waived. IEAD shows only flood being escrowed. Though the LE/CD , First payment letter reflect the taxes/insurance are not escrowed, the file is missing the escrow waived election disclosure and /or the indicator is not complete on page X of the closing disclosures.  Please provide the waiver/election disclosure.  XX/XX/XXXX Complete The escrow waiver disclosure is Not Applicable
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared XX/XX/XXXX 1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. DU approved, not applicable.  Clear exception.; Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXX) Regulation §XXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of ___ is not greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI ___) XX/XX/XXXX Complete Regulation §XXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of ___ is not greater than XXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI ___)
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Title Issues Present Cleared XX/XX/XXXX 1 Title Issues Present The following issues were noted: Alta Supplement policy is the amount is $XXX is not equal to or greater than the executed Note amount of $XXXX XX/XX/XXXX: Received trailing docs; Title; Exception cleared; Received trailing docs; Sufficient title policy. ; Please provide sufficient title policy that is equal to or greater than the executed Note.  XX/XX/XXXX Complete Received trailing docs; Sufficient title policy. 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test Received trailing docs. Additional CD and COC. Exception cleared.   Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX: Received trailing docs; additional Closing disclosures and COC's. Exception cleared. ; Originations fee increased from $XXX to $XXX on XX/XX/XX. Please provide COC, Rate lock, PCCD, or proof of reimbursement to the borrower.  XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test Cleared XX/XX/XXXX 1 Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test This loan failed the revised closing disclosure delivery date and changed circumstances date test. ( XX CFR §XXX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX ,  XX CFR §XXX(e)(X)(I) )The revised closing disclosure delivery date is either: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 information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred. 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 §XXX(a)(X) and as it relates to §XXX(e)(X)(I) (revised loan estimate disclosure) and §XXX(e)(X)(ii) (relationship to closing disclosure). 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 XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, XXXX calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict. If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXX(e)(X)(I) and (ii), the creditor shall provide a revised version of the disclosures required under §XXX(e)(X)(I) reflecting the revised estimate either: Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e)(X)(iv)(A) through (C), (E) and (F) applies; or No later than three business days after the date the interest rate is locked, for revision provided under §XXX(e)(X)(iv)(D). The revised version of the disclosures required under §XXX(e)(X)(I) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(X), lender credits, and any other interest rate dependent charges and terms. Official InterpretationsXX C.F.R. §XXX(e)(X)(ii)Relationship to disclosures required under §XXX(f)(X)(I).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §XXX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXX(e)(X)(I) on or after the date on which the creditor provides the disclosures required under §XXX(f)(X)(I)...However, if a creditor uses a revised estimate pursuant to § XXX(e)(X)(iv) for the purpose of determining good faith under § XXX(e)(X)(I) and (ii), § XXX(e)(X)(I) permits the creditor to provide the revised estimate in the disclosures required under § XXX(f)(X)(I) (including any corrected disclosures provided under § XXX(f)(X)(I) or (ii)). This compliance test 'Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test' is no longer tested; XX/XX/XXXX: Received trailing docs; additional CD and COCs; Exception cleared.  XX/XX/XXXX Complete This compliance test 'Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That In Total Cannot Increase More Than 10% Test Cleared XX/XX/XXXX 1 Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XX% test.  (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi). XX/XX/XXXX Complete This loan passed the charges that in total cannot increase more than XX% test.  (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Prohibited Fees Test Cleared XX/XX/XXXX 1 Prohibited Fees Test This loan failed the prohibited fees test.
The loan charges a prohibited fee based on one or more the following findings:
The loan charged more than one appraisal fee.  (XXX Fin. Code §XXX)The lender collected an "unreasonable" escrow or escrow related fee.  The fee shall be considered "reasonable" when paid to a person licensed or exempt under the Escrow Law (XXX Fin. Code §XXX). (XXX Fin. Code §XXX)The lender retained any statutory fees to be paid to a public officer.  (XX CCR §XXX)The lender retained the notary fee. (XX CCR §XXX) 
This loan passed the prohibited fees test.
The loan does not charge a prohibited fee.
XX/XX/XXXX Complete This loan passed the prohibited fees test.
The loan does not charge a prohibited fee.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
The loan is in compliance with all applicable laws and regulations.;
XX/XX/XXXX Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Lender Credits That Cannot Decrease Test Cleared XX/XX/XXXX 1 Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. ( XX CFR §XXX(e)(X)(I) )The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). This loan passed the lender credits that cannot decrease test. ( XX CFR §XXXX(e)(X)(I) )The loan contains lender credits that do not exceed the good faith determination according to §XXXX(e)(X)(I). The final sum of specific and non-specific lender credits ($XXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX: Received trailing docs; additional CD and COCs; Exception cleared.  XX/XX/XXXX Complete This loan passed the lender credits that cannot decrease test. ( XX CFR §XXX(e)(X)(I) )The loan contains lender credits that do not exceed the good faith determination according to §XXX(e)(X)(I). The final sum of specific and non-specific lender credits ($XXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Transmittal Summary is Partial Cleared XX/XX/XXXX 1 Transmittal Summary is Partial Provide final transmittal with correct loan amount of $XXX not $XXX.; The transmittal summary is Partial- provide final with correct loan amount The transmittal summary is Present; XX/XX/XXXX: Provide final XXXX with the executed loan amount.; XX/XX/XXXX: Provide final XXXX with the executed loan amount.  XX/XX/XXXX Complete The transmittal summary is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Title Policy is Partial Cleared XX/XX/XXXX 1 Title Policy is Partial Provide title commitment with correct loan amount of $XXX; Title policy is Partial- correct loan amount should be $XXX XX/XX/XXXX: Received trailing docs; FTP ; Exception cleared; Title policy is Present; XX/XX/XXXX: Please provide title with sufficient policy amount that is equal to or greater than the executed Note XX/XX/XXXX Complete Title policy is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit CoBorrower Employment Verification does not meet guidelines Cleared XX/XX/XXXX 1 CoBorrower Employment Verification does not meet guidelines WVOE -XXX Investments-provide correction for year to date totals; WVOE for XXX Investments-provide correction showing year to date total Received WVOE in trailing docs; XX/XX/XXXX: Received trailing docs; WVOE;Exception cleared.  XX/XX/XXXX Complete Received WVOE in trailing docs
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Housing history does not meet guidelines Cleared XX/XX/XXXX 1 Housing history does not meet guidelines Housing history does not meet guidelines. Provide XX months of borrower rental history.  Exception cleared; Housing delinquency meets guidelines. First time home buyer. Not applicable per DU approval XX/XX/XXXX Complete Exception cleared; Housing delinquency meets guidelines. First time home buyer. Not applicable per DU approval
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared   1 DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Corrected. Verified DTI XXX% per DU. Exception cleared   Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Prohibited Fees Test Cleared XX/XX/XXXX 1 Prohibited Fees Test This loan failed the  prohibited fees test. (XXX. §XXX, XXX §§XXX)The loan does charge fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (XXX) application fee; and (XXX) a broker fee.A mortgage lender shall have the right to charge only the following fees: Application fee Origination Fee Lock in fee Commitment Fee Warehouse Fee Discount Points Prohibited Fees have been reviewed and reported accurately.   Complete This loan failed the  prohibited fees test. (XXX. §XXX, XXX. §§XXX)The loan does charge fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (X) application fee; and (X) a broker fee.A mortgage lender shall have the right to charge only the following fees:Application feeOrigination FeeLock in fee Commitment Fee Warehouse Fee Discount Points
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Security Instrument Indicator is Partial Cleared XX/XX/XXXX 1 Security Instrument Indicator is Partial The security instrument indicator is Partial.  Missing Security Instrument with the corrected address of XXX. Received executed Deed of Trust   Complete The security instrument indicator is Partial.  Missing Security Instrument with the corrected address of XXX.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Lender Credits That Cannot Decrease Test Cleared XX/XX/XXXX 1 Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. ( XX CFR §XXX(e)(X)(I) )The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; ICD dated XX/XX/XXXX, indicated appraisal fee at $XXX with $XXX being paid by Lender.  However, the closing CD and settlement is reporting an appraisal fee of $XXX with lender paying $XXX.  There is a lender credit of $XXX that is not indicated as cure.  This loan passed the lender credits that cannot decrease test. ( XX CFR §XXXX(e)(X)(I) )The loan contains lender credits that do not exceed the good faith determination according to §XXXX(e)(X)(I). The final sum of specific and non-specific lender credits ($XXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX Complete This loan passed the lender credits that cannot decrease test. ( XX CFR §XXX(e)(X)(I) )The loan contains lender credits that do not exceed the good faith determination according to §XXX(e)(X)(I). The final sum of specific and non-specific lender credits ($XXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; ICD dated XX/XX/XXXX, indicated appraisal fee at $XXX with $XXX being paid by Lender.  However, the closing CD and settlement is reporting an appraisal fee of $XXX with lender paying $XXX.  There is a lender credit of $XXX that is not indicated as cure.  This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation. XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TILA Finance Charge Test Cleared XX/XX/XXXX 1 TILA Finance Charge Test This loan failed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of  $XXX is not considered accurate because it is understated by more than $XXX. This loan passed the TILA finance charge test.( XX CFR §XXXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed. XX/XX/XXXX Complete This loan passed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Borrower Liabilities Verification Indicator is Partial Cleared XX/XX/XXXX 1 Borrower Liabilities Verification Indicator is Partial Page XXX Borrower Credit Report XX Secured account last reported XXX. Documentation account closed not in images.  Borrower liabilities verified indicator is Present; XX/XX/XXXX: Rebuttal- after further review, No exception present. Exception cleared XX/XX/XXXX Complete Borrower liabilities verified indicator is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Title Issues Present Cleared   1 Title Issues Present please provide final Title policy  in the amount equal to or greater than the executed Note of $XXX; The following issues were noted: Page XXX Title requirements XXX, supplement removing requirements missing from images. Pages XXX &  XXX Sellers CD and Estimated Settlement Statement do show Seller Paid Property Taxes and fee for Retrofit which may have fulfilled requirements XXX. Final Title Policy not in images.  Received Final Title policy   Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Prohibited Fees First Lien Test Void XX/XX/XXXX 1 Prohibited Fees First Lien Test This loan failed the first lien prohibited fees test. (MRS § XXX)
The loan has fees that are prohibited for this license type.
No lender shall charge, require, or receive any points or other fees of any nature whatsoever, except insurance and a X% origination fee, whether from the buyer or the seller or any other person, except that the lender may charge bona fide expenses paid by the lender to any other person or entity for services actually performed in connection with a loan. In addition, if the loan is for the construction or improvement of residential real estate, the lender may charge a fee not to exceed X% of the loan amount for inspection and disbursement of the proceeds of the loan to third parties.
This means that fees are prohibited unless specifically allowed (as described above). Some fees may be considered prohibited compensation to the lender unless the "Compensation To" fields indicate otherwise.
Exception error Complete This loan failed the first lien prohibited fees test. ( § XXX X.)
The loan has fees that are prohibited for this license type.
No lender shall charge, require, or receive any points or other fees of any nature whatsoever, except insurance and a XXX% origination fee, whether from the buyer or the seller or any other person, except that the lender may charge bona fide expenses paid by the lender to any other person or entity for services actually performed in connection with a loan. In addition, if the loan is for the construction or improvement of residential real estate, the lender may charge a fee not to exceed XXX% of the loan amount for inspection and disbursement of the proceeds of the loan to third parties.
This means that fees are prohibited unless specifically allowed (as described above). Some fees may be considered prohibited compensation to the lender unless the "Compensation To" fields indicate otherwise.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient Cleared XX/XX/XXXX 1 Hazard Insurance Coverage is Not Sufficient Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of ___.; Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX.; Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of XXX and estimated replacement value of XXX. XX/XX/XXXX Complete Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
; The exception 'No Compliance Findings' is cleared.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Transmittal Summary is Missing Cleared XX/XX/XXXX 1 Transmittal Summary is Missing The transmittal summary is Missing The transmittal summary is Present XX/XX/XXXX Complete The transmittal summary is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit AUS is Partial Cleared XX/XX/XXXX 1 AUS is Partial The AUS is Partial. the AUS provided does not appear to be the final DU approval. XX/XX/XXXX: Received trailing docs; Final AUS; Exception cleared; The AUS is received. Received trailing docs; Final AUS; XX/XX/XXXX: Please provided the approved AUS- DU XX/XX/XXXX Complete The AUS is received. Received trailing docs; Final AUS
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Notice of Special Flood Hazards is Partial Cleared XX/XX/XXXX 1 Notice of Special Flood Hazards is Partial The notice of special flood hazards is Partial The notice of special flood hazards is Present XX/XX/XXXX Complete The notice of special flood hazards is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Title Issues Present Cleared XX/XX/XXXX 1 Title Issues Present The following issues were noted: The file title policy in the amount equal to or greater than the executed Note has not been provided.  Received trailing doc; Sufficient title policy; Exception cleared. ; Received trailing docs. Sufficient title policy.  XX/XX/XXXX Complete Received trailing docs. Sufficient title policy. 
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Colo. Rev. Stat. Ann. § 5-3-105 - Cosigner Notice Disclosure was not provided Cleared XX/XX/XXXX 1 Colo. Rev. Stat. Ann. § 5-3-105 - Cosigner Notice Disclosure was not provided Cosigner Notice Disclosure was provided; XXX. § XXX - Cosigner Notice Disclosure was not provided Cosigner Notice Disclosure was provided XX/XX/XXXX Complete Cosigner Notice Disclosure was provided
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Cosigner Notice Disclosure is Missing Cleared XX/XX/XXXX 1 Cosigner Notice Disclosure is Missing The cosigner notice disclosure is Missing The cosigner notice disclosure is Not Applicable XX/XX/XXXX Complete The cosigner notice disclosure is Not Applicable
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; Discount point was added to Section A of Final CD no COC in file indicating reason for change.  Provide the COC or provide PCCD with cure to borrower for full amount of discount point. This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; XX/XX/XXXX: Received trailing docs; LOE and COC of extension; exception cleared.  XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test Cleared XX/XX/XXXX 1 Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test Received trailing docs LOE and COC of extension.  Exception Cleared   Complete This compliance test 'Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; Discount point was added to Section A of Final CD iao $XXX no COC in file indicating reason for change.  Provide the COC or provide PCCD with cure to borrower for full amount of discount point. This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX: Received trailing docs; LOE and COC of extension; exception cleared.  XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test Please provide post closing CD, Change of Circumstance or proof of reimbursement to borrower. ; Tolerance violation due to addition of discount points totaling $XXX without  a valid COC or rate lock. ; This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). XX/XX/XXXX: Received trailing docs; COC; updated accordingly; Exception cleared. ; This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) exceeds the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX XX/XX/XXXX Complete The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That In Total Cannot Increase More Than 10% Test Cleared XX/XX/XXXX 1 Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XX% test.  (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi). XX/XX/XXXX Complete This loan passed the charges that in total cannot increase more than XX% test.  (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX) do not exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TILA Finance Charge Test Cleared XX/XX/XXXX 1 TILA Finance Charge Test This loan failed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of  $XXX is not considered accurate because it is understated by more than $XXX. This loan passed the TILA finance charge test.( XX CFR §XXXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.; This loan failed the TILA finance charge test.( XX CFR §XXXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of  $XXX is not considered accurate because it is understated by more than $XXX. XX/XX/XXXX Complete This loan passed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation. XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Cleared XX/XX/XXXX 1 TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested XX/XX/XXXX Complete This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Void XX/XX/XXXX 1 TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Exception error Complete This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit HAZARD INSURANCE CERTIFICATE MISSING Cleared XX/XX/XXXX 1 HAZARD INSURANCE CERTIFICATE MISSING please provide current homeowners policy  XX/XX/XXXX:  Received trailing docs;HOI is present ; Received copy of hazard insurance certificate XX/XX/XXXX Complete Received copy of hazard insurance certificate
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared. The loan meets all applicable credit guidelines. XX/XX/XXXX Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Right to Cancel is Missing Cleared XX/XX/XXXX 1 Right to Cancel is Missing please provide the right to cancel.  XX/XX/XXXX:  Received trailing docs; RTC is present and compliant. ; The right to cancel is Present XX/XX/XXXX Complete The right to cancel is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Right to Cancel Transaction Date is different from the Transaction Date Cleared   1 Right to Cancel Transaction Date is different from the Transaction Date Right to Cancel Transaction Date is different from the Transaction Date Received trailing docs. RTC is present and compliant    Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TILA Finance Charge Test Cleared XX/XX/XXXX 1 TILA Finance Charge Test This loan failed the TILA finance charge test.( XX CFR §XXX(d)(X) , transferred from  XX CFR §XXXX(d)(X) )The finance charge is $XXX. The disclosed finance charge of  $XXX is not considered accurate because it is understated by more than $XXX. This loan passed the TILA finance charge test.( XX CFR §XXXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.; XX/XX/XXXX: Rebuttal-updated Attorney fees to be included in APR; Exception cleared.  XX/XX/XXXX Complete This loan passed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. XX/XX/XXXX Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). XX/XX/XXXX: Rebuttal-updated Attorney fees to be included in APR; Exception cleared.  XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Borrower residency documentation not provided or issue with documentation Cleared XX/XX/XXXX 1 Borrower residency documentation not provided or issue with documentation Borrower residency documentation not provided or issue with documentation.   Borrower residency documentation has been provided and there are no issues with documentation.  ; XX/XX/XXXX: Please provide residency documentation for the primary borrower. The Final XXX indicates she is a XXX, while the ID/data verify show she is a XXX resident.  XX/XX/XXXX Complete Borrower residency documentation has been provided and there are no issues with documentation.  
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Consummation or Reimbursement Date Validation Test Cleared XX/XX/XXXX 1 Consummation or Reimbursement Date Validation Test The loan discount points increased to $XXX on the initial CD issued XX/XX/XXXX and a cost to cure reimbursement was provided on the CD in the amount of $XXX, however, on the revised CD issued XX/X/XXXX, the cost to cure reimbursement was removed but the loan discount points fee stayed the same. There was no valid change of circumstance provided in the loan file within X days of the change.; This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested XX/XX/XXXX Complete This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test The loan discount points increased to $XXX on the initial CD issued XX/XX/XXXX and a cost to cure reimbursement was provided on the CD in the amount of $XXX, however, on the revised CD issued XX/X/XXXX, the cost to cure reimbursement was removed but the loan discount points fee stayed the same. There was no valid change of circumstance provided in the loan file within X days of the change.; This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation. XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test The loan discount points increased to $XXX on the initial CD issued XX/XX/XXXX and a cost to cure reimbursement was provided on the CD in the amount of $XXX, however, on the revised CD issued XX/X/XXXX, the cost to cure reimbursement was removed but the loan discount points fee stayed the same. There was no valid change of circumstance provided in the loan file within X days of the change.; This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Borrower Liabilities Verification Indicator is Partial Cleared XX/XX/XXXX 1 Borrower Liabilities Verification Indicator is Partial Borrower liabilities verified indicator is Partial: Address is missing on lease.... Please provide address on lease. Borrower liabilities verified indicator is Present XX/XX/XXXX Complete Borrower liabilities verified indicator is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Desk Review variance to appraised value exceeds 10% Cleared XX/XX/XXXX 1 Third Party Desk Review variance to appraised value exceeds 10% Third party Desk Review variance of XXX exceeds XXX% maximum allowed. Additional third party valuation requested to support value. XX/XX/XXXX Complete Additional third party valuation requested to support value.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product not Provided Cleared XX/XX/XXXX 1 Third Party Valuation Product not Provided Please provide Third Party Valuation.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. XX/XX/XXXX: Rebuttal  - Confirmed the URAR appraisal desk review meets guideline requirement and is acceptable. Exception cleared. ; Third Party Valuation Product Provided; Confirmed URAR in file is acceptable; Exception cleared. ; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product Provided; Received in trailing docs XX/XX/XXXX Complete Third Party Valuation Product Provided; Confirmed URAR in file is acceptable; Exception cleared. 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Cleared XX/XX/XXXX 1 Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Please provide Third Party Valuation.; Third Party Valuation Product Not Provided and CU Score is XXX. XX/XX/XXXX: Rebuttal  - Confirmed the URAR appraisal desk review meets guideline requirement and is acceptable. Exception cleared. ; Third Party Valuation Product Provided.; XX/XX/XXXX: Received trailing docs; CDA.  We are still pending a valid Third party valuation as required by the guidelines. CU score is XXX. Please provide a valuations provided by a third party.  ; Third Party Valuation Product Not Provided and CU Score is XXX. XX/XX/XXXX Complete Third Party Valuation Product Provided.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient Cleared XX/XX/XXXX 1 Hazard Insurance Coverage is Not Sufficient Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of XXX and estimated replacement value of XXX.; Site value per appraisal is $XXX with coverage of $$XXX and replacement value of $XXX, coverage is sufficient.  Exception cleared. XX/XX/XXXX Complete Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of XXX and estimated replacement value of XXX.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Cleared XX/XX/XXXX 1 TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.; This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested XX/XX/XXXX Complete This compliance test 'TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Borrower Liabilities Verification Indicator is Partial Cleared XX/XX/XXXX 1 Borrower Liabilities Verification Indicator is Partial Borrower liabilities verified indicator is Partial. Provide proof of the HOA for the borrowers investment property.  Borrower liabilities verified indicator is Present XX/XX/XXXX Complete Borrower liabilities verified indicator is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test The Final Inspection Fee in the amount of $XXX is not disclosed on the initial LE and there is no change of circumstance. ; This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX: Received trailing docs; COC ; Exception cleared.  XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient Cleared XX/XX/XXXX 1 Hazard Insurance Coverage is Not Sufficient HOI is sufficient per FNMA G/L. Exception cleared   Complete Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient. Cleared XX/XX/XXXX 1 Hazard Insurance Coverage is Not Sufficient. Change severity of 'Hazard Insurance Coverage is Not Sufficient.' from Material to Non-Material.; Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.  XX/XX/XXXX: Received trailing docs;  RCE - policy has extended replacement coverage above Dwelling A. Exception cleared.  ; Hazard insurance coverage is sufficient. XX/XX/XXXX Complete Hazard insurance coverage is sufficient.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Cleared XX/XX/XXXX 1 Escrow Waiver Disclosure is Missing The escrow waiver disclosure is Missing The escrow waiver disclosure is Present XX/XX/XXXX Complete The escrow waiver disclosure is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Final Loan Application is Missing Cleared XX/XX/XXXX 1 Final Loan Application is Missing Final loan application is Missing XX/XX/XXXX: Received trailing docs; Final  ; Exception cleared; Final loan application is Present XX/XX/XXXX Complete Final loan application is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Final Loan Application is Partial Cleared XX/XX/XXXX 1 Final Loan Application is Partial Missing  pages XXX of  Final XXX. Pages XXX only located in file. Lender to provide. XX/XX/XXXX: Received trailing docs; Final XXX pages XXX; Exception cleared. ; Final Loan Application is Present XX/XX/XXXX Complete Final Loan Application is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Cleared XX/XX/XXXX 1 Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. Third Party Valuation Product Provided. XX/XX/XXXX Complete Third Party Valuation Product Provided.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Cleared XX/XX/XXXX 1 Escrow Waiver Disclosure is Missing The escrow waiver disclosure is Missing The escrow waiver disclosure is Present XX/XX/XXXX Complete The escrow waiver disclosure is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared   1 No Compliance Findings   Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared   1 No Credit Findings   Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure Cleared XX/XX/XXXX 1 Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure Change severity of 'Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure' from Material to Non-Material.; Original PI Payment on Note matches Final CD
From Hard Coded form in template:
'Closing Disclosure' at XX/XX/XXXX
Original PI Payment on Note matches Final CD XX/XX/XXXX Complete Original PI Payment on Note matches Final CD
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product not Provided Cleared XX/XX/XXXX 1 Third Party Valuation Product not Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. Third Party Valuation Product Provided in trailing docs XX/XX/XXXX Complete Third Party Valuation Product Provided in trailing docs
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID Disclosure Delivery and Receipt Date Validation Test Cleared XX/XX/XXXX 1 TRID Disclosure Delivery and Receipt Date Validation Test This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings: The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orthel Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orthel Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. This compliance test 'TRID Disclosure Delivery and Receipt Date Validation Test' is no longer tested XX/XX/XXXX Complete This compliance test 'TRID Disclosure Delivery and Receipt Date Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Cleared XX/XX/XXXX 1 Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Third Party Valuation Product Not Provided and CU Score is XXX. Third Party Valuation Product Provided. XX/XX/XXXX Complete Third Party Valuation Product Provided.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Final Loan Application is Missing Cleared XX/XX/XXXX 1 Final Loan Application is Missing XX/XX/XXXX: Missing a complete final XXX. Please provide.; Final loan application is Missing Final loan application is Present XX/XX/XXXX Complete Final loan application is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Initial Escrow Account Disclosure is Missing Cleared XX/XX/XXXX 1 Initial Escrow Account Disclosure is Missing XX/XX/XXXX: Missing initial escrow account disclosure. Confirmed loan closed with escrow. Please provide.; The initial escrow account disclosure is Missing The initial escrow account disclosure is Present XX/XX/XXXX Complete The initial escrow account disclosure is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Hazard Insurance Indicator is Partial Cleared XX/XX/XXXX 1 Hazard Insurance Indicator is Partial Hazard insurance indicator is Partial. Missing a copy of the hazard insurance policy.  Hazard insurance indicator is Present XX/XX/XXXX Complete Hazard insurance indicator is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Title Issues Present Cleared XX/XX/XXXX 1 Title Issues Present The following issues were noted: Policy is insufficient and not equal to nor greater than the executed Note.  Received trailing docs; Title policy; XX/XX/XXXX: Please provide the sufficient title policy/supplemental that is equal to or greater than the executed Note of $XXX XX/XX/XXXX Complete Received trailing docs; Title policy
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test Tolerance violation due to increase in appraisal fee from $XXX to $XXX without a valid COC. ; This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX:  Received trailing docs; LOE confirming Initial LE date is XX/XX/XXXX; Exception cleared XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Void XX/XX/XXXX 1 TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Disregard exception triggered in error; The Initial CD reflects a VOE fee of $XX paid to XXX in the Section B Services Borrower Did Not Shop for section. This was removed on the Final CD.; This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. Exception error   Complete This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Transmittal Summary is Missing Cleared XX/XX/XXXX 1 Transmittal Summary is Missing The transmittal summary is Missing The transmittal summary is Present; XX/XX/XXXX: Please provide final transmittal  XX/XX/XXXX Complete The transmittal summary is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Borrower Income Verification is less than 12 months Cleared XX/XX/XXXX 1 Borrower Income Verification is less than 12 months Borrower Income Verification of XXX is less than XX months. Only income is verified for the current job started on XX/XX/XX. Income Verification of XXX is greater than XXX months.; Borrower Income Verification of XXX is less than XXX months.; XX/XX/XXXX: Received trailing docs; LOE of employment. This document was present in file. However per DU section XXX - Document for Bwr XXX, a paystub and a w-2 from prior year or the standard verification of employment (XXX). If W-X not provided, which in this case is applicable, DU requests a determination income is acceptable per the FNMA SGuide. the Selling guide requires  a min of the most recent one year period of income. The file only contains income from XX/XX/XXXX through XX/XX/XXXX. Please send income documents that satisfy DU #XXX requirement or explanation for client exception.; XX/XX/XXXX: Received trailing docs; LOE of employment. This document was present in file. However per DU section XXX - Document for Bwr XXX, a paystub and a w-2 from prior year or the standard verification of employment (XXX). If W- not provided, which in this case is applicable, DU requests a determination income is acceptable per the FNMA SGuide. the Selling guide requires  a min of the most recent one year period of income. The file only contains income from XX/XX/XXXX through XX/XX/XXXX. Please send income documents that satisfy DU #XXX requirement or explanation for client exception. XX/XX/XXXX Complete Income Verification of XXX is greater than XXX months.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient Cleared XX/XX/XXXX 1 Hazard Insurance Coverage is Not Sufficient Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of ___.; Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. XX/XX/XXXX: Received trailing docs; RCE; Exception cleared; Hazard insurance coverage is XXXX, the subject loan amount is XXXX with the hazard insurance replacement coverage of XXX and estimated replacement value of XXXX. XX/XX/XXXX Complete Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of XXX and estimated replacement value of XXX.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TILA Finance Charge Test Void XX/XX/XXXX 1 TILA Finance Charge Test This loan failed the TILA finance charge test.( XX CFR §XXX(d)(X) , transferred from  XX CFR §XXXX(d)(X) )The finance charge is $XXX. The disclosed finance charge of  $XXX is not considered accurate because it is understated by more than $XXX.; This loan passed the TILA finance charge test.( XX CFR §XXX(d)(X) , transferred from  XX CFR §XXXX(d)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed. Exception error Complete This loan failed the TILA finance charge test.( XX CFR §XXX(d)(X) , transferred from  XX CFR §XXX(d)(X) )The finance charge is $XXX. The disclosed finance charge of  $XXX is not considered accurate because it is understated by more than $XXX.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Cleared XX/XX/XXXX 1 Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Please provide Desk Review.; Third Party Valuation Product Not Provided and CU Score is XXX. XX/XX/XXXX: Received trailing docs; CDA provided; exception cleared. ; Third Party Valuation Product Provided. XX/XX/XXXX Complete Third Party Valuation Product Provided.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product not Provided Cleared XX/XX/XXXX 1 Third Party Valuation Product not Provided Please provide Desk Review.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. XX/XX/XXXX: Received trailing docs; CDA provided; exception cleared. ; Third Party Valuation Product Provided in trailing docs XX/XX/XXXX Complete Third Party Valuation Product Provided in trailing docs
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Prohibited Fees Test Cleared XX/XX/XXXX 1 Prohibited Fees Test Correspondent loan, fee permissible.  Exception cleared.; This loan failed the  prohibited fees test. (XXX §XXX, XXX §§XXX)The loan does charge fee(s) not provided for in this act, which is prohibited.A person licensed as a mortgage broker shall have the right to charge only the following fees: (X) application fee; and (X) a broker fee.A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following fees: Application fee Origination Fee Lock in fee Commitment Fee Warehouse Fee Discount Points Prohibited Fees have been reviewed and reported accurately.   Complete This loan failed the  prohibited fees test. (XXX. §XXX, XXX. §§XXX)The loan does charge fee(s) not provided for in this act, which is prohibited.A person licensed as a mortgage broker shall have the right to charge only the following fees: (X) application fee; and (X) a broker fee.A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following fees:Application feeOrigination FeeLock in fee Commitment Fee Warehouse Fee Discount Points
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Cleared XX/XX/XXXX 1 Escrow Waiver Disclosure is Missing The escrow waiver disclosure is Missing.  Need executed final CD dated XX/XX/XXXX. XX/XX/XXXX: Received trailing docs; CA XXX Account statement; Exception cleared. ; The escrow waiver disclosure is Present XX/XX/XXXX Complete The escrow waiver disclosure is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; Missing proof of evidence to support omission of XXX #XXX. Please provide.  XX/XX/XXXX: Received trailing docs; LOE and bank statement confirming debts to business. Exception cleared; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX XX/XX/XXXX Complete The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit LTV Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 LTV Exceeds AUS Maximum Allowable Verifi rounding, not applicable.  Clear Exception.; The original LTV of XXX  exceeds the maximum allowable per AUS of XXX Meets G/L requirements   Complete The original LTV of XXX  exceeds the maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit CLTV Exceeds the AUS Maximum Allowable Cleared XX/XX/XXXX 1 CLTV Exceeds the AUS Maximum Allowable Verifi rounding, not applicable.  Clear Exception.; The original CLTV of XXX  exceeds maximum allowable per AUS of XXX Meets G/L requirements   Complete The original CLTV of XXX  exceeds maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; This loan failed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure Cleared XX/XX/XXXX 1 Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure Original PI Payment on Note matches Final CD
From Hard Coded form in template:
'Closing Disclosure' at XX/XX/XXXX
Original PI Payment on Note matches Final CD XX/XX/XXXX Complete Original PI Payment on Note matches Final CD
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID Rescission Total of Payments Test Cleared XX/XX/XXXX 1 TRID Rescission Total of Payments Test This loan passed the TRID rescission total of payments test. ( XX CFR §XXX(g)(X)(ii) )The total of payments is $XXX. The disclosed total of payments of $XXX is considered accurate for purposes of rescission because: It is understated by no more than XXX of XXX percent of the face amount of the note or $XXX, whichever is greater; XXX is greater than the amount required to be disclosed. This loan failed the TRID rescission total of payments test. ( XX CFR §XXXX(g)(X)(ii) )The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate for purposes of rescission because it is understated by more than XXX percent of the face amount of the note or $XXX, whichever is greater. XX/XX/XXXX Complete This loan passed the TRID rescission total of payments test. ( XX CFR §XXX(g)(X)(ii) )The total of payments is $XXX. The disclosed total of payments of $XXX is considered accurate for purposes of rescission because: It is understated by no more than XXX percent of the face amount of the note or $XXX, whichever is greater; XXX is greater than the amount required to be disclosed.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That In Total Cannot Increase More Than 10% Test Cleared XX/XX/XXXX 1 Charges That In Total Cannot Increase More Than 10% Test This loan failed the charges that in total cannot increase more than XX% test.  (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi).; This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXX(e)(X)(I) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXX(e)(X)(vi). XX/XX/XXXX Complete This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(I) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Prohibited Fees Test Cleared XX/XX/XXXX 1 Prohibited Fees Test This loan failed the  prohibited fees test. (XXX. §XX:XXC-XX, XXX. §§X:X-XX.X)The loan does charge fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (X) application fee; and (X) a broker fee.A mortgage lender shall have the right to charge only the following fees: Application fee Origination Fee Lock in fee Commitment Fee Warehouse Fee Discount Points This loan passed the  prohibited fees test. (XXX §XXX, XXX. §§XXX)The loan does not charge a fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (X) application fee; and (X) a broker fee.A mortgage lender shall have the right to charge only the following fees: Application fee Origination Fee Lock in fee Commitment Fee Warehouse Fee Discount Points XX/XX/XXXX Complete This loan passed the  prohibited fees test. (XXX §XXX, XXX. §§XXX)The loan does not charge a fee(s) not provided for in this act, which is prohibited.A mortgage broker shall have the right to charge only the following fees: (X) application fee; and (X) a broker fee.A mortgage lender shall have the right to charge only the following fees:Application feeOrigination FeeLock in fee Commitment Fee Warehouse Fee Discount Points
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TILA Rescission Finance Charge Test Cleared XX/XX/XXXX 1 TILA Rescission Finance Charge Test This loan passed the TILA rescission finance charge test.( XX CFR §XXX(g)(X) , transferred from  XX CFR §XXXX(g)(X) ) The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate for purposes of rescission because: It is understated by no more than XXX of XXX percent of the face amount of the note or $XXX, whichever is greater; XXX is greater than the amount required to be disclosed. This loan passed the TILA rescission finance charge test.( XX CFR §XXXX(g)(X) , transferred from  XX CFR §XXXX(g)(X) ) The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate for purposes of rescission because: It is understated by no more than XXX percent of the face amount of the note or $XXX, whichever is greater; XXX is greater than the amount required to be disclosed.; This loan failed the TILA rescission finance charge test.( XX CFR §XXXX(g)(X) , transferred from  XX CFR §XXXX(g)(X) ) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is understated by more than X/X of X percent of the face amount of the note or $XXX, whichever is greater. XX/XX/XXXX Complete This loan passed the TILA rescission finance charge test.( XX CFR §XXX(g)(X) , transferred from  XX CFR §XXX(g)(X) ) The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate for purposes of rescission because: It is understated by no more than XXX percent of the face amount of the note or $XXX, whichever is greater; XXX is greater than the amount required to be disclosed.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Consummation or Reimbursement Date Validation Test Cleared XX/XX/XXXX 1 Consummation or Reimbursement Date Validation Test This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested XX/XX/XXXX Complete This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). This loan failed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Balance Sheet Does Not Meet Guidelines Cleared XX/XX/XXXX 1 Balance Sheet Does Not Meet Guidelines Balance Sheet Does Not Meet Guidelines.; Balance Sheet not provided Corrected: Business liquidity analysis provided; XX/XX/XXXX: Exception cleared; DU section XX requirements have been met. XXX year complete tax returns and cash analysis or similar.  XX/XX/XXXX Complete Corrected: Business liquidity analysis provided
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID Disclosure Delivery and Receipt Date Validation Test Cleared XX/XX/XXXX 1 TRID Disclosure Delivery and Receipt Date Validation Test This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings: The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orthel Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orthel Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. This compliance test 'TRID Disclosure Delivery and Receipt Date Validation Test' is no longer tested XX/XX/XXXX Complete This compliance test 'TRID Disclosure Delivery and Receipt Date Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TILA Finance Charge Test Cleared XX/XX/XXXX 1 TILA Finance Charge Test This loan passed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed. This loan passed the TILA finance charge test.( XX CFR §XXXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.; This loan failed the TILA finance charge test.( XX CFR §XXXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of  $XXX is not considered accurate because it is understated by more than $XXX. XX/XX/XXXX Complete This loan passed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID Total of Payments Test Cleared XX/XX/XXXX 1 TRID Total of Payments Test This loan passed the TRID total of payments test. ( XX CFR §XXX(o)(X) )The total of payments is $XXXX. The disclosed total of payments of $XXXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed. This loan failed the TRID total of payments test. ( XX CFR §XXXX(o)(X) )The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is understated by more than $XXX. XX/XX/XXXX Complete This loan passed the TRID total of payments test. ( XX CFR §XXX(o)(X) )The total of payments is $XXXX. The disclosed total of payments of $XXXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation. This loan failed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Profit and Loss Does Not Meet Guidelines Cleared XX/XX/XXXX 1 Profit and Loss Does Not Meet Guidelines Profit and Loss Does Not Meet Guidelines; P&L Statement not provided Corrected: Not required per DU approval ; XX/XX/XXXX: Exception cleared; DU section XXX requirements have been met. XXX year complete tax returns and cash analysis or similar.  XX/XX/XXXX Complete Corrected: Not required per DU approval 
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Title Issues Present Cleared XX/XX/XXXX 1 Title Issues Present The following issues were noted: Final title policy in the amount equal to or greater than the executed Note is not present. Received trailing docs; Final title policy XX/XX/XXXX Complete Received trailing docs; Final title policy
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Collateral Protection Act  815 Ill. Comp. Stat. 180/1 et seq. - Collateral Protection Notice was not provided Cleared XX/XX/XXXX 1 Collateral Protection Act  815 Ill. Comp. Stat. 180/1 et seq. - Collateral Protection Notice was not provided Collateral Protection Act, XXX Ill. Comp. Stat. XXX et seq. - Collateral Protection Notice was not provided XX/XX/XXXX: Received trailing docs; Collateral Protection Notice; Exception cleared; Collateral Protection Notice was provided XX/XX/XXXX Complete Collateral Protection Notice was provided
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Borrower Liabilities Verification Indicator is Partial Cleared XX/XX/XXXX 1 Borrower Liabilities Verification Indicator is Partial Borrower liabilities verified indicator is Partial ---- Missing evidence of XXX and care credit debt payoffs as noted on the Final XXX and AUS. Borrower liabilities verified indicator is Present XX/XX/XXXX Complete Borrower liabilities verified indicator is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Consummation or Reimbursement Date Validation Test Cleared XX/XX/XXXX 1 Consummation or Reimbursement Date Validation Test Discount Points increased from $XXX to $XXX on the final CD dated XX/XX/XX.  A COC showing this increase or a PCCD, with a copy of a refund check in the amount of $XXX is needed.  This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested XX/XX/XXXX Complete This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test Discount Points increased from $XXX to $XXX on the final CD dated XX/XX/XX.  A COC showing this increase or a PCCD, with a copy of a refund check in the amount of $XXX is needed.  This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID Post-Consummation Revised Closing Disclosure Data Validation Test Cleared XX/XX/XXXX 1 TRID Post-Consummation Revised Closing Disclosure Data Validation Test This loan failed the TRID post-consummation revised closing disclosure data validation test.This loan contains a post-consummation reason for redisclosure, but it does not provide either:A consummation date; orA post-consummation revised closing disclosure delivery date; orA date when the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure occurred; orA date when the creditor knew of the event in connection with the settlement of the transaction that caused the closing disclosure to become inaccurate and thereby resulted in a change to an amount actually paid by the consumer from the closing disclosure. These dates are necessary to determine the timing requirement in the Post-Consummation Event and Revised Closing Disclosure Delivery Date Test.; Missing page XXX of the Final Closing Disclosure; Missing the complete closing  CD dated XX/XX/XXXX. Please provide all pages of the final closing CD.  This compliance test 'TRID Post-Consummation Revised Closing Disclosure Data Validation Test' is no longer tested; XX/XX/XXXX: Received trailing docs; Closing CD and PCCD refund. Exception cleared.  XX/XX/XXXX Complete This compliance test 'TRID Post-Consummation Revised Closing Disclosure Data Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).; Tolerance violation due an increase in the appraisal fee from $XXX to $XXX without a valid COC.  XX/XX/XXXX: Received trailing docs; LOE - fee increased on XX/XX/XXXX - same day as rate lock. Exception cleared. ; This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Final Loan Application is Missing Cleared XX/XX/XXXX 1 Final Loan Application is Missing Provide Final loan application rate of XXX,PITI @ XXX XX/XX/XXXX: Received trailing docs; Final XXXX; Exception cleared. ; Final loan application is Present XX/XX/XXXX Complete Final loan application is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Transmittal Summary is Missing Cleared XX/XX/XXXX 1 Transmittal Summary is Missing Please provide final XXX transmittal ; The transmittal summary is Missing XX/XX/XXXX: Received trailing docs; Final XXXX; Exception cleared. ; The transmittal summary is Present XX/XX/XXXX Complete The transmittal summary is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void   1 Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. DU approved, not applicable. Exception cleared.  DU Approved, not applicable.   Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. XX/XX/XXXX Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Prohibited Fees Test Cleared XX/XX/XXXX 1 Prohibited Fees Test This loan failed the prohibited fees test.
The loan charges a prohibited fee based on one or more the following findings:
The loan charged more than one appraisal fee.  (XXX Fin. Code §XXX)The lender collected an "unreasonable" escrow or escrow related fee.  The fee shall be considered "reasonable" when paid to a person licensed or exempt under the Escrow Law (XXX Fin. Code §XXX). (XXX Fin. Code §XXX)The lender retained any statutory fees to be paid to a public officer.  (XXX CCR §XXXX)The lender retained the notary fee. (XXX CCR §XXXX) 
This loan passed the prohibited fees test.
The loan does not charge a prohibited fee.
XX/XX/XXXX Complete This loan passed the prohibited fees test.
The loan does not charge a prohibited fee.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID "Section E. Taxes and Other Government Fees" Validation Test Cleared XX/XX/XXXX 1 TRID "Section E. Taxes and Other Government Fees" Validation Test This loan failed the TRID "Section E. Taxes and Other Government Fees" validation test.This loan contains a fee or fees where "compensation to" is set to a party other than other, but this fee or fees should not be retained by any party other than other. "Section E. Taxes and Other Government Fees" should contain the amounts to be paid to State and local governments for taxes and other government fees. This compliance test 'TRID "Section E. Taxes and Other Government Fees" Validation Test' is no longer tested XX/XX/XXXX Complete This compliance test 'TRID "Section E. Taxes and Other Government Fees" Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TILA Right of Rescission Test Cleared XX/XX/XXXX 1 TILA Right of Rescission Test This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXX(a)(X) , transferred from  XX CFR §XXXX(a)(X) ), Open-end ( XX CFR §XXX(a)(X) , transferred from  XX CFR §XXXX(a)(X) )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 XX CFR §XXX or §XXX, or delivery of all material disclosures, whichever occurs last.
This loan passed the TILA right of rescission test.Closed-end ( XX CFR §XXXX(a)(X) , transferred from  XX CFR §XXXX(a)(X) ), Open-end ( XX CFR §XXXX(a)(X) , transferred from  XX CFR §XXXX(a)(X) )The funding date is not 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 XX CFR §XXXX or §XXXX, or delivery of all material disclosures, whichever occurs last.
XX/XX/XXXX Complete This loan passed the TILA right of rescission test.Closed-end ( XXX CFR §XXX(a)(X) , transferred from  XXX CFR §XXX(a)(X) ), Open-end ( XXX CFR §XXX(a)(X) , transferred from  XXX CFR §XXX(a)(X) )The funding date is not 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 XXX CFR §XXX or §XXX, or delivery of all material disclosures, whichever occurs last.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Hazard Insurance Effective Date is after the Note Date Cleared XX/XX/XXXX 1 Hazard Insurance Effective Date is after the Note Date The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX Escalation -Client indicated that policy is effective prior to loan sale; exception cleared.  XX/XX/XXXX Complete Escalation -Client indicated that policy is effective prior to loan sale; exception cleared. 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient Cleared XX/XX/XXXX 1 Hazard Insurance Coverage is Not Sufficient Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX. XX/XX/XXXX Complete Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This loan failed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation. This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; This compliance test 'Reimbursement Amount Test' is no longer tested; This loan failed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX:  Receiving trailing docs; PCCD,Refund; Exception cleared. ; Discount Points increased on the XX/X/XXXX, CD, without a valid change of Circumstance provided, please provided the VCC dated XX/X/XXXX. XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Consummation or Reimbursement Date Validation Test Cleared XX/XX/XXXX 1 Consummation or Reimbursement Date Validation Test This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested XX/XX/XXXX Complete This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID "Section H. Other" Validation Test Void XX/XX/XXXX 1 TRID "Section H. Other" Validation Test This loan failed the TRID "Section H. Other" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker, but this fee or fees should not be retained by the lender or broker. Except for charges for optional credit insurance provided by the creditor, this fee or fees should not be retained by the lender."Section H. Other" should contain an itemization of any other amounts in connection with the transaction that the consumer is likely to pay or has contracted with a person other than the creditor or loan originator to pay at closing and of which the creditor is aware at the time of issuing the Loan Estimate. Per the Official Interpretations to Regulation Z: The items listed under the heading of "Other Costs" pursuant to §XXX(g) include services that are ancillary to the creditor's decision to evaluate the collateral and the consumer for the loan. The amounts disclosed for these items are: Established by government action; determined by standard calculations applied to ongoing fixed costs; or based on an obligation incurred by the consumer independently of any requirement imposed by the creditor. Except for prepaid interest under §XXX(g)(X)(iii), or charges for optional credit insurance provided by the creditor, the creditor does not retain any of the amounts or portions of the amounts disclosed as other costs. This compliance test 'TRID "Section H. Other" Validation Test' is no longer tested; XX/XX/XXXX: Exception is for the Broker fee charged in Section H.  XX/XX/XXXX Complete This compliance test 'TRID "Section H. Other" Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Borrower Employment Verification does not meet guidelines Cleared XX/XX/XXXX 1 Borrower Employment Verification does not meet guidelines Provide Trust Income documentation for XXX Bank; Missing XXX bank statements to validate trust income.  XX/XX/XXXX: Per FNMA/ Trust document and frequency of payments are sufficient for Trust income. Exception cleared; corrected: Trust document in file  XX/XX/XXXX Complete corrected: Trust document in file 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Borrower Liabilities Verification Indicator is Partial Cleared XX/XX/XXXX 1 Borrower Liabilities Verification Indicator is Partial Provide taxes/insurance/hoa if applicable for XXX XXX ; Missing PITIA for XXX XXX XX/XX/XXXX: Received trailing docs; taxes/ins for investment property. Exception cleared. ; Borrower liabilities verified indicator is Present XX/XX/XXXX Complete Borrower liabilities verified indicator is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Late Fees Test Cleared XX/XX/XXXX 1 Late Fees Test This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before XXX, XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX(a))For loans with a date creditor received application on or after XXX, XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX(a))PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXX will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.; Exception is for late fee exceeding $XXX. P& I per note $XXX @ X%= a late fee of $XXX. This loan passed the late fees test.The loan has late fees that conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before XXX X, XXXX:When a scheduled payment in a consumer credit transaction is in default XX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))For loans with a date creditor received application on or after XXX X, XXXX:When a scheduled payment in a consumer credit transaction is in default XX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXX will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.; XX/XX/XXXX: Exception cleared. Note provides correct late fee limits. updated Verify accordingly.  XX/XX/XXXX Complete This loan passed the late fees test.The loan has late fees that conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before XXX XXXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (XXX §XXX))For loans with a date creditor received application on or after XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §XXX)PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, XXXX will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third party AVM Confidence Score is less than 80% Cleared XX/XX/XXXX 1 Third party AVM Confidence Score is less than 80% Third party AVM Confidence Score of XXX is less than XXX%. Additional third party valuation requested to support value. XX/XX/XXXX     Complete Additional third party valuation requested to support value.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID Initial Closing Disclosure Date and Funding Date Validation Test Cleared XX/XX/XXXX 1 TRID Initial Closing Disclosure Date and Funding Date Validation Test This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. This compliance test 'TRID Initial Closing Disclosure Date and Funding Date Validation Test' is no longer tested; XX/XX/XXXX: Loan is showing as closing on XX/XX/XXXX, funding on XX/XX/XXXX.  Please confirm funding date is greater than X business days, substantiate Saturday as a business day.  XX/XX/XXXX Complete This compliance test 'TRID Initial Closing Disclosure Date and Funding Date Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Initial Closing Disclosure Delivery Date Test Cleared XX/XX/XXXX 1 Initial Closing Disclosure Delivery Date Test Initial CD is not provided.  Document needed in order to clear all exceptions.  This loan passed the initial closing disclosure delivery date test.( XX CFR §XXXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXX(f)(X)(I) no later than three business days before consummation.; Change status of 'Initial Closing Disclosure Delivery Date Test' from Active to Open Rebuttal.; XX/XX/XXXX: Received trailing docs; ICD; Exception cleared.  XX/XX/XXXX Complete This loan passed the initial closing disclosure delivery date test.( XXX CFR §XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(X)(I) no later than three business days before consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TILA Right of Rescission Test Cleared XX/XX/XXXX 1 TILA Right of Rescission Test This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXX(a)(X) , transferred from  XX CFR §XXXX(a)(X) ), Open-end ( XX CFR §XXX(a)(X) , transferred from  XX CFR §XXXX(a)(X) )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 XX CFR §XXX or §XXX, or delivery of all material disclosures, whichever occurs last.
This loan passed the TILA right of rescission test.Closed-end ( XX CFR §XXXX(a)(X) , transferred from  XX CFR §XXXX(a)(X) ), Open-end ( XX CFR §XXXX(a)(X) , transferred from  XX CFR §XXXX(a)(X) )The funding date is not 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 XX CFR §XXXX or §XXXX, or delivery of all material disclosures, whichever occurs last.; XX/XX/XXXX: ROR is effective as of last transaction dated XX/XX/XXXX.  Cancel by date is not a full X days from the effective date unless Saturday is included as a business day.  Provide and LOE regarding business days or new ROR
XX/XX/XXXX Complete This loan passed the TILA right of rescission test.Closed-end ( XX CFR §XXX(a)(X) , transferred from  XX CFR §XXX(a)(X) ), Open-end ( XX CFR §XXX(a)(X) , transferred from  XX CFR §XXX(a)(X) )The funding date is not 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 XX CFR §XXX or §XXX, or delivery of all material disclosures, whichever occurs last.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test Initial CD is not provided.  Document needed in order to clear all exceptions.  This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; Change status of 'Reimbursement Amount Test' from Active to Open Rebuttal.; XX/XX/XXXX: Received trailing docs; ICD; Exception cleared.  XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test Initial CD is not provided.  Document needed in order to clear all exceptions.  This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; Change status of 'Charges That Cannot Increase Test' from Active to Open Rebuttal.; XX/XX/XXXX: Received trailing docs; ICD; Exception cleared.  XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TILA Finance Charge Test Cleared XX/XX/XXXX 1 TILA Finance Charge Test This loan failed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of  $XXX is not considered accurate because it is understated by more than $XXX. This loan passed the TILA finance charge test.( XX CFR §XXXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.; Change status of 'TILA Finance Charge Test' from Active to Open Rebuttal.; XX/XX/XXXX: Received ICD in trailing docs XX/XX/XXXX Complete This loan passed the TILA finance charge test.( XXX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Vermont Mortgage Lender License Prohibited Fees Test Cleared XX/XX/XXXX 1 Vermont Mortgage Lender License Prohibited Fees Test Change severity of 'XXX Mortgage Lender License Prohibited Fees Test' from Material to Non-Material.; This loan did not pass the prohibited fees test. ( §XX)
The XXX statutes provide that only those fees expressly permitted may be charged.; Confirmed XXX Section XXX does not apply to XXX liens.
Prohibited Fees have been reviewed and reported accurately.   Complete Change severity of 'XXX Mortgage Lender License Prohibited Fees Test' from Material to Non-Material.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Settlement Cost Booklet was provided more than 3 days from the Originator Application Date Cleared XX/XX/XXXX 1 Settlement Cost Booklet was provided more than 3 days from the Originator Application Date Settlement Cost Booklet date of XX/XX/XXXX is more than XXX days from the Originator application date of XX/XX/XXXX Settlement Cost Booklet date of ___ is within X days from the Originator application date of XX/XX/XXXX XX/XX/XXXX Complete Settlement Cost Booklet date of ___ is within XXX days from the Originator application date of XX/XX/XXXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third party AVM Confidence Score is less than 80% Cleared XX/XX/XXXX 1 Third party AVM Confidence Score is less than 80% Third party AVM Confidence Score of XXX is less than XXX%. Additional third party valuation requested to support value. XX/XX/XXXX Complete Additional third party valuation requested to support value.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Initial Escrow Account Disclosure is Missing Cleared XX/XX/XXXX 1 Initial Escrow Account Disclosure is Missing The initial escrow account disclosure is Missing XX/XX/XXXX: Received trailing docs; IEAD; Exception cleared. ; The initial escrow account disclosure is Present; XX/XX/XXXX: Please provided the Initial Escrow Account Disclosure XX/XX/XXXX Complete The initial escrow account disclosure is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Final Loan Application is Missing Cleared XX/XX/XXXX 1 Final Loan Application is Missing Final loan application is Missing XX/XX/XXXX: Received trailing docs;Final XXXX; Exception cleared. ; Final loan application is Present; XX/XX/XXXX: Please provide the Final XXXX.  XX/XX/XXXX Complete Final loan application is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Note Document Indicator is Missing Cleared XX/XX/XXXX 1 Note Document Indicator is Missing Note document indicator is Missing Note document indicator is Present; Received in trailing docs; XX/XX/XXXX: Please provide the executed Note. XX/XX/XXXX Complete
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable Cleared XX/XX/XXXX 1 DTI Exceeds AUS Maximum Allowable The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX XX/XX/XXXX: DTI allowance of XXX was added to DU XXX%; Exception cleared. ; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX XX/XX/XXXX Complete The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test Changed of circumstance for Discount Point fee increase on Initial CD dated XX/XX/XXXX not on file, though listed on sign, Pg XXX; This loan failed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I). This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX: Received trailing docs; COC; Exception cleared.  XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Second Home XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TILA Finance Charge Test Cleared XX/XX/XXXX 1 TILA Finance Charge Test This loan failed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of  $XXX is not considered accurate because it is understated by more than $XXX. This loan passed the TILA finance charge test.( XX CFR §XXXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed. XX/XX/XXXX Complete This loan passed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Initial Closing Disclosure Delivery Date Test Cleared XX/XX/XXXX 1 Initial Closing Disclosure Delivery Date Test This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR §XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(X)(I) no later than three business days before consummation. This loan passed the initial closing disclosure delivery date test.( XX CFR §XXXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXX(f)(X)(I) no later than three business days before consummation. XX/XX/XXXX Complete This loan passed the initial closing disclosure delivery date test.( XX CFR §XXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orthel initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(X)(I) no later than three business days before consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Hazard Insurance Effective Date is after the Note Date Cleared XX/XX/XXXX 1 Hazard Insurance Effective Date is after the Note Date The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX XX/XX/XXXX: Received trailing docs; HOI policy eff dte; Exception cleared.  XX/XX/XXXX Complete XX/XX/XXXX: Received trailing docs; HOI policy eff dte; Exception cleared. 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID Post-Consummation Reason for Redisclosure Validation Test Cleared XX/XX/XXXX 1 TRID Post-Consummation Reason for Redisclosure Validation Test This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. This compliance test 'TRID Post-Consummation Reason for Redisclosure Validation Test' is no longer tested XX/XX/XXXX Complete This compliance test 'TRID Post-Consummation Reason for Redisclosure Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TRID Disclosure Delivery and Receipt Date Validation Test Cleared XX/XX/XXXX 1 TRID Disclosure Delivery and Receipt Date Validation Test TRID Disclosure Delivery and Receipt Date Validation Test Received trailing docs. COC. Exception cleared.    Complete This compliance test 'TRID Disclosure Delivery and Receipt Date Validation Test' is no longer tested
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test Discount Points increased from $XXX to $XXX from the Initial CD dated XX/XX/XX to the Final CE dated XX/XX/XX.  A COC showing this increase is needed.  This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; XX/XX/XXXX: Received trailing docs; COC; exceptions cleared.  XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
  Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test Discount Points increased from $XXX to $XXX from the Initial CD dated XX/XX/XX to the Final CE dated XX/XX/XX.  A COC showing this increase is needed.  This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; XX/XX/XXXX: Received trailing docs; COC; exception cleared.  XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Final Loan Application is Missing Cleared XX/XX/XXXX 1 Final Loan Application is Missing Final loan application is Missing XX/XX/XXXX: Received trailing docs: Final XXX; Exception cleared. ; Final loan application is Present XX/XX/XXXX Complete Final loan application is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Cleared XX/XX/XXXX 1 Escrow Waiver Disclosure is Missing The escrow waiver disclosure is Missing The escrow waiver disclosure is Present XX/XX/XXXX Complete The escrow waiver disclosure is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Borrower Liabilities Verification Indicator is Partial Cleared XX/XX/XXXX 1 Borrower Liabilities Verification Indicator is Partial Need Mortgage statement or evidence of free and clear for XXX, XXX, XXX and XXX,  XXX...
Copy of taxes and insurance for XXX,  XXX 
Borrower liabilities verified indicator is Present; XX/XX/XXXX: Received trailing docs; Title showing XXX property free and clear; Exception cleared. XX/XX/XXXX Complete Borrower liabilities verified indicator is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance TILA Finance Charge Test Cleared XX/XX/XXXX 1 TILA Finance Charge Test This loan failed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of  $XXX is not considered accurate because it is understated by more than $XXX. This loan passed the TILA finance charge test.( XX CFR §XXXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.; XX/XX/XXXX: Corrected input; cleared exception. XX/XX/XXXX Complete This loan passed the TILA finance charge test.( XX CFR §XXX(o)(X) )The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $XXX; XXX is greater than the amount required to be disclosed.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit CoBorrower Transcripts is Missing Cleared XX/XX/XXXX 1 CoBorrower Transcripts is Missing The coborrower Transcripts is Missing The coborrower Transcripts is Not Applicable XX/XX/XXXX Complete The coborrower Transcripts is Not Applicable
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Borrower Transcripts are missing Cleared XX/XX/XXXX 1 Borrower Transcripts are missing The borrower transcripts is Missing The borrower XXX is Not Applicable XX/XX/XXXX Complete The borrower XXX is Not Applicable
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Charges That Cannot Increase Test Cleared XX/XX/XXXX 1 Charges That Cannot Increase Test Fail due to Discount points increased from $XXXon LE XX/XX/XX  to $XXX on CD XX/XX/XX.  No COC nor rate lock in file.  This loan passed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I).; This loan failed the charges that cannot increase test.  (XX CFR §XXXX(e)(X)(I))The loan contains charges that exceed the good faith determination according to §XXXX(e)(X)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX(e)(X)(I). XX/XX/XXXX Complete This loan passed the charges that cannot increase test.  (XX CFR §XXX(e)(X)(I))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(I).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(I).
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Reimbursement Amount Test Cleared XX/XX/XXXX 1 Reimbursement Amount Test Fail due to Discount points increased from $XXX on LE XX/XX/XX  to $XXXX on CD XX/XX/XX.  No COC nor rate lock in file.  This loan passed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation.; This loan failed the reimbursement amount test.  (XX CFR §XXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXX(e)(X)(I) or (ii), the creditor complies with §XXXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXXX days after consummation, and the creditor complies with §XXXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXXX days after consummation. XX/XX/XXXX Complete This loan passed the reimbursement amount test.  (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(I) or (ii), the creditor complies with §XXX(e)(X)(I) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Title Issues Present Cleared XX/XX/XXXX 1 Title Issues Present The following issues were noted: Title policy in the amount of executed Note $XXX is not present. Sufficient title policy received in trailing docs XX/XX/XXXX Complete Sufficient title policy received in trailing docs
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Transmittal Summary is Missing Cleared XX/XX/XXXX 1 Transmittal Summary is Missing XX/XX/XXXX: Please provide transmittal XXXX; The transmittal summary is Missing The transmittal summary is Present; XX/XX/XXXX: Received trailing docs; XXXX; However, it does not appear to be the final transmittal correlated to AUS #X; DTI XXXX%. Please provide the final transmittal XXXX XX/XX/XXXX Complete The transmittal summary is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations.
The loan is in compliance with all applicable laws and regulations.;
XX/XX/XXXX Complete The loan is in compliance with all applicable laws and regulations.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Transmittal Summary is Partial Cleared XX/XX/XXXX 1 Transmittal Summary is Partial The transmittal summary is Partial. Received in trailing docs. However, it does not appear to be the transmittal that corresponds to the final AUS#X.  The transmittal summary is Present XX/XX/XXXX Complete The transmittal summary is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Cash Out: Other Multi purpose Unknown purpose Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party AVM to appraised value exceeds 10% allowable variance Cleared XX/XX/XXXX 1 Third Party AVM to appraised value exceeds 10% allowable variance Please provide TPV within the XXX% allowed variance, or client exception.; Third party AVM value of XXX with a variance of XXX exceeds XX% allowable variance. Additional third party valuation requested to support value. AVM is XXXX% above appraisal.  XX/XX/XXXX Complete Additional third party valuation requested to support value. AVM is XXX% above appraisal. 
XXXXX XXXXX XXX XXX XXX XXX XXXXX Rate Term Refinance Borrower initiated Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Is Completion Certificate in file is No Cleared XX/XX/XXXX 1 Is Completion Certificate in file is No Appraisal made "subject to" due to no rail on back steps which is a possible safety zone. XXX not located in file. Lender to provide.; Please provided the required appraisal completion report.  The Completion Certificate is Yes XX/XX/XXXX Complete The Completion Certificate is XXX
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Liquid Reserves (Dollar Amount) are less than AUS Minimum Required Cleared XX/XX/XXXX 1 Liquid Reserves (Dollar Amount) are less than AUS Minimum Required The liquid reserves of XXX are less than the minimum required per AUS of XXXX. The liquid reserves of XXX are greater than or equal to the AUS minimum required of XXX. XX/XX/XXXX Complete The liquid reserves of XXX are greater than or equal to the AUS minimum required of XXX.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The exception 'No Credit Findings' is cleared.; The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.; The exception 'No Credit Findings' is cleared. XX/XX/XXXX Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Insufficient cash to close. Cleared XX/XX/XXXX 1 Insufficient cash to close. Cash to close in the amount of XXX is greater than the available asset amount of XXX.; Sufficient cash to close is documented.; Cash to close in the amount of XXX is greater than the available asset amount of XXX. Sufficient cash to close is documented. XX/XX/XXXX Complete Sufficient cash to close is documented.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Asset Documents are Incomplete Cleared XX/XX/XXXX 1 Asset Documents are Incomplete XX/XX/XXXX: Please provide documentation to validate net equity in the amount of $XXX. Per AUS these funds were counted towards available funds. ; Asset Documents are Incomplete:  Provide proof of net proceeds from sale of current primary residence.  AUS shows proceeds of  $XXX and documents missing from file. Borrower Liquid Assets present; Received settlement statement in trailing docs; XX/XX/XXXX Complete Borrower Liquid Assets present; Received settlement statement in trailing docs;
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance No Compliance Findings Cleared XX/XX/XXXX 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
The exception 'No Compliance Findings' is cleared. XX/XX/XXXX Complete The exception 'No Compliance Findings' is cleared.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Limited Cash Out (GSE Definition) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit No Credit Findings Cleared XX/XX/XXXX 1 No Credit Findings The loan meets all applicable credit guidelines.   Complete The loan meets all applicable credit guidelines.
XXXXX XXXXX XXX XXX XXX XXX XXXXX Other than first time Home Purchase Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Credit Borrower Liabilities Verification Indicator is Partial Cleared XX/XX/XXXX 1 Borrower Liabilities Verification Indicator is Partial XX/XX/XXXX: Please provide Settlement or Seller CD from departing property.  Proceeds are reported as being available for purchase of new property. Currently file does not contain validation the property sold and would need to be included in debts. ; Borrower liabilities verified indicator is Partial Borrower liabilities verified indicator is Present XX/XX/XXXX Complete Borrower liabilities verified indicator is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Consumer Credit Contracts  Cal. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided Cleared XX/XX/XXXX 1 Consumer Credit Contracts  Cal. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided Consumer Credit Contracts, XXX. Civ. Code § XXX - Cosigner Notice Disclosure was not provided Cosigner Notice Disclosure was provided; XX/XX/XXXX: Corrected; N/A XX/XX/XXXX Complete Cosigner Notice Disclosure was provided
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Cleared XX/XX/XXXX 1 Escrow Waiver Disclosure is Missing The escrow waiver disclosure is Missing The escrow waiver disclosure is Present XX/XX/XXXX Complete The escrow waiver disclosure is Present
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Cleared XX/XX/XXXX 1 Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. Third Party Valuation Product Provided. XX/XX/XXXX Complete Third Party Valuation Product Provided.
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Property Third Party Valuation Product not Provided Cleared XX/XX/XXXX 1 Third Party Valuation Product not Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. Third Party Valuation Product Provided in trailing docs XX/XX/XXXX Complete Third Party Valuation Product Provided in trailing docs
XXXXX XXXXX XXX XXX XXX XXX XXXXX First Time Home Purchase as defined by XXX Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) Owner occupied XX/XX/XXXX XXX $XXXXXX Closed XX/XX/XXXX Compliance Cosigner Notice Disclosure is Missing Cleared XX/XX/XXXX 1 Cosigner Notice Disclosure is Missing The cosigner notice disclosure is Missing The cosigner notice disclosure is Not Applicable; XX/XX/XXXXNot applicable/ Exception cleared.  XX/XX/XXXX Complete The cosigner notice disclosure is Not Applicable

 

 


 

GS Mortgage-Backed Securities Trust 2022-MM1 ABS-15G

 

Exhibit 99.1 - Schedule 3

 

 

GS_LOAN_NUMBER Investor Loan Number EXCEPTIONID EXCEPTIONIDDATE CONDITIONCATEGORY CONDITIONSTANDARDIZEDDESCRIPTION EXCEPTIONCHOSEN EDITEDEXCEPTION COMPENSATINGFACTORS FOLLOW-UPCOMMENTS EXCEPTION STATUS CLEAREDDATE OVERRIDEDATE EXCEPTIONLEVELGRADE COMPLETEDATE OUTSIDEQCDATE NOTEDATE PROPERTYSTATE OCCUPANCY PURPOSE
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Per Diem Interest Amount Test Per Diem Interest Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit AUS is Partial AUS is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID Post-Consummation Revised Closing Disclosure Data Validation Test TRID Post-Consummation Revised Closing Disclosure Data Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Consumer Credit Contracts  XXX. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided Consumer Credit Contracts  XXX. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Cosigner Notice Disclosure is Missing Cosigner Notice Disclosure is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance MD Credit Regulations Mortgage Loan DTI Provided Test MD Credit Regulations Mortgage Loan DTI Provided Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Written List of Service Providers Disclosure Date Test Written List of Service Providers Disclosure Date Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That In Total Cannot Increase More Than 10% Test Charges That In Total Cannot Increase More Than 10% Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance RESPA Homeownership Counseling Organizations Disclosure Date Test RESPA Homeownership Counseling Organizations Disclosure Date Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient Hazard Insurance Coverage is Not Sufficient Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test Cleared 1   XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TILA Finance Charge Test TILA Finance Charge Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Home Loan Home Loan Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient Hazard Insurance Coverage is Not Sufficient Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Void 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit Borrower Income Verification does not match Approval Borrower Income Verification does not match Approval Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Lender initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Lender initiated
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Transmittal Summary is Partial Transmittal Summary is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit AUS is Partial AUS is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Qualified Mortgage Points and Fees Finding (XX CFR §XXXX(e)(X)) Qualified Mortgage Points and Fees Finding (xx CFR §xxxx(e)(x)) Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Home loan Toolkit is Missing Home loan Toolkit is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Housing history does not meet guidelines Housing history does not meet guidelines Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Lender Credits That Cannot Decrease Test Lender Credits That Cannot Decrease Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit CoBorrower Employment Verification does not meet guidelines CoBorrower Employment Verification does not meet guidelines Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Borrower Employment Verification does not meet guidelines Borrower Employment Verification does not meet guidelines Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Transmittal Summary is Missing Transmittal Summary is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Home loan Toolkit is Missing Home loan Toolkit is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void 1   XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product not Provided Third Party Valuation Product not Provided Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Late Fees Test Late Fees Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared 1   XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit Hazard Insurance Effective Date is after the Note Date Hazard Insurance Effective Date is after the Note Date Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Transmittal Summary is Missing Transmittal Summary is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Lender did not provide ATR/QM Status Determination Lender did not provide ATR/QM Status Determination Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit Borrower Income Verification does not match Approval Borrower Income Verification does not match Approval Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Notice of Special Flood Hazards is Partial Notice of Special Flood Hazards is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Flood Insurance Policy is Missing Flood Insurance Policy is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Property UCDP Summary Report is Missing UCDP Summary Report is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Property Title Issues Present Title Issues Present Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance XXX Constitution A6 Total Indebtedness Test XXX Constitution A6 Total Indebtedness Test Void 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That In Total Cannot Increase More Than 10% Test Charges That In Total Cannot Increase More Than 10% Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Home loan Toolkit is Missing Home loan Toolkit is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Property Title Issues Present Title Issues Present Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Void 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID "Section G. Initial Escrow Payment At Closing" Validation Test TRID "Section G. Initial Escrow Payment At Closing" Validation Test Cleared 1   XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared 1   XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit AUS is Partial AUS is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit CLTV Exceeds the AUS Maximum Allowable CLTV Exceeds the AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Property Was lowest appraised value used to qualify is No Was lowest appraised value used to qualify is No Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit LTV Exceeds AUS Maximum Allowable LTV Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Property Title Issues Present Title Issues Present Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Desk Review variance to appraised value exceeds 10% Third Party Desk Review variance to appraised value exceeds 10% Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Security Instrument Indicator is Missing Security Instrument Indicator is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Housing history does not meet guidelines Housing history does not meet guidelines Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That In Total Cannot Increase More Than 10% Test Charges That In Total Cannot Increase More Than 10% Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Escrow Waiver Disclosure is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Escrow Waiver Disclosure is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Void 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test TRID "Section C. Services You Can Shop For / Services Borrower Did Shop For" Validation Test Void 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Property Title Issues Present Title Issues Present Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Documentation Type Test Documentation Type Test Cleared 1   XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit Asset Documents are Incomplete Asset Documents are Incomplete Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That In Total Cannot Increase More Than 10% Test Charges That In Total Cannot Increase More Than 10% Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit Liquid Reserves (Dollar Amount) are less than AUS Minimum Required Liquid Reserves (Dollar Amount) are less than AUS Minimum Required Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Insufficient cash to close. Insufficient cash to close. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Home Loan Home Loan Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Final Loan Application is Partial Final Loan Application is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit AUS is Partial AUS is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Home Loan Home Loan Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit Note Document Indicator is Partial Note Document Indicator is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Note is not executed by all borrowers Note is not executed by all borrowers Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Property Appraisal guideline violation Appraisal guideline violation Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit Minimum Trade Line Requirement Not Met Minimum Trade Line Requirement Not Met Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Escrow Waiver Disclosure is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared 1   XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID Post-Consummation Revised Closing Disclosure Data Validation Test TRID Post-Consummation Revised Closing Disclosure Data Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product not Provided Third Party Valuation Product not Provided Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit Transmittal Summary is Partial Transmittal Summary is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit AUS is Partial AUS is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Escrow Waiver Disclosure is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Property Title Issues Present Title Issues Present Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That In Total Cannot Increase More Than 10% Test Charges That In Total Cannot Increase More Than 10% Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Prohibited Fees Test Prohibited Fees Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Lender Credits That Cannot Decrease Test Lender Credits That Cannot Decrease Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit Transmittal Summary is Partial Transmittal Summary is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit Title Policy is Partial Title Policy is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit CoBorrower Employment Verification does not meet guidelines CoBorrower Employment Verification does not meet guidelines Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Housing history does not meet guidelines Housing history does not meet guidelines Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1   XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Prohibited Fees Test Prohibited Fees Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Security Instrument Indicator is Partial Security Instrument Indicator is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Lender Credits That Cannot Decrease Test Lender Credits That Cannot Decrease Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance TILA Finance Charge Test TILA Finance Charge Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Borrower Liabilities Verification Indicator is Partial Borrower Liabilities Verification Indicator is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Property Title Issues Present Title Issues Present Cleared 1   XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Prohibited Fees First Lien Test Prohibited Fees First Lien Test Void 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient Hazard Insurance Coverage is Not Sufficient Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit Transmittal Summary is Missing Transmittal Summary is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit AUS is Partial AUS is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance Notice of Special Flood Hazards is Partial Notice of Special Flood Hazards is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Property Title Issues Present Title Issues Present Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance XXX. Rev. Stat. Ann. § 5-3-105 - Cosigner Notice Disclosure was not provided XXX. Rev. Stat. Ann. § 5-3-105 - Cosigner Notice Disclosure was not provided Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Cosigner Notice Disclosure is Missing Cosigner Notice Disclosure is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That In Total Cannot Increase More Than 10% Test Charges That In Total Cannot Increase More Than 10% Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TILA Finance Charge Test TILA Finance Charge Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Void 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit HAZARD INSURANCE CERTIFICATE MISSING HAZARD INSURANCE CERTIFICATE MISSING Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Right to Cancel is Missing Right to Cancel is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance Right to Cancel Transaction Date is different from the Transaction Date Right to Cancel Transaction Date is different from the Transaction Date Cleared 1   XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance TILA Finance Charge Test TILA Finance Charge Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Borrower residency documentation not provided or issue with documentation Borrower residency documentation not provided or issue with documentation Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Consummation or Reimbursement Date Validation Test Consummation or Reimbursement Date Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit Borrower Liabilities Verification Indicator is Partial Borrower Liabilities Verification Indicator is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Desk Review variance to appraised value exceeds 10% Third Party Desk Review variance to appraised value exceeds 10% Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product not Provided Third Party Valuation Product not Provided Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient Hazard Insurance Coverage is Not Sufficient Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit Borrower Liabilities Verification Indicator is Partial Borrower Liabilities Verification Indicator is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient Hazard Insurance Coverage is Not Sufficient Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient. Hazard Insurance Coverage is Not Sufficient. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Escrow Waiver Disclosure is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Final Loan Application is Missing Final Loan Application is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit Final Loan Application is Partial Final Loan Application is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Escrow Waiver Disclosure is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1   XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1   XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product not Provided Third Party Valuation Product not Provided Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID Disclosure Delivery and Receipt Date Validation Test TRID Disclosure Delivery and Receipt Date Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit Final Loan Application is Missing Final Loan Application is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Initial Escrow Account Disclosure is Missing Initial Escrow Account Disclosure is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Hazard Insurance Indicator is Partial Hazard Insurance Indicator is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Property Title Issues Present Title Issues Present Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test Void 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit Transmittal Summary is Missing Transmittal Summary is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Borrower Income Verification is less than 12 months Borrower Income Verification is less than 12 months Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient Hazard Insurance Coverage is Not Sufficient Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TILA Finance Charge Test TILA Finance Charge Test Void 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product not Provided Third Party Valuation Product not Provided Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Prohibited Fees Test Prohibited Fees Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Escrow Waiver Disclosure is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit LTV Exceeds AUS Maximum Allowable LTV Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit CLTV Exceeds the AUS Maximum Allowable CLTV Exceeds the AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID Rescission Total of Payments Test TRID Rescission Total of Payments Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That In Total Cannot Increase More Than 10% Test Charges That In Total Cannot Increase More Than 10% Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Prohibited Fees Test Prohibited Fees Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TILA Rescission Finance Charge Test TILA Rescission Finance Charge Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Consummation or Reimbursement Date Validation Test Consummation or Reimbursement Date Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit Balance Sheet Does Not Meet Guidelines Balance Sheet Does Not Meet Guidelines Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID Disclosure Delivery and Receipt Date Validation Test TRID Disclosure Delivery and Receipt Date Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TILA Finance Charge Test TILA Finance Charge Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID Total of Payments Test TRID Total of Payments Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit Profit and Loss Does Not Meet Guidelines Profit and Loss Does Not Meet Guidelines Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Property Title Issues Present Title Issues Present Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Collateral Protection Act  815 Ill. Comp. Stat. 180/1 et seq. - Collateral Protection Notice was not provided Collateral Protection Act  815 Ill. Comp. Stat. 180/1 et seq. - Collateral Protection Notice was not provided Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Borrower Liabilities Verification Indicator is Partial Borrower Liabilities Verification Indicator is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Consummation or Reimbursement Date Validation Test Consummation or Reimbursement Date Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID Post-Consummation Revised Closing Disclosure Data Validation Test TRID Post-Consummation Revised Closing Disclosure Data Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Final Loan Application is Missing Final Loan Application is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit Transmittal Summary is Missing Transmittal Summary is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Regulation §XXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XX%. Void 1   XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Prohibited Fees Test Prohibited Fees Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID "Section E. Taxes and Other Government Fees" Validation Test TRID "Section E. Taxes and Other Government Fees" Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TILA Right of Rescission Test TILA Right of Rescission Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit Hazard Insurance Effective Date is after the Note Date Hazard Insurance Effective Date is after the Note Date Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Hazard Insurance Coverage is Not Sufficient Hazard Insurance Coverage is Not Sufficient Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Consummation or Reimbursement Date Validation Test Consummation or Reimbursement Date Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID "Section H. Other" Validation Test TRID "Section H. Other" Validation Test Void 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Borrower Employment Verification does not meet guidelines Borrower Employment Verification does not meet guidelines Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Borrower Liabilities Verification Indicator is Partial Borrower Liabilities Verification Indicator is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Late Fees Test Late Fees Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Property Third party AVM Confidence Score is less than 80% Third party AVM Confidence Score is less than 80% Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID Initial Closing Disclosure Date and Funding Date Validation Test TRID Initial Closing Disclosure Date and Funding Date Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Initial Closing Disclosure Delivery Date Test Initial Closing Disclosure Delivery Date Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance TILA Right of Rescission Test TILA Right of Rescission Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance TILA Finance Charge Test TILA Finance Charge Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Vermont Mortgage Lender License Prohibited Fees Test Vermont Mortgage Lender License Prohibited Fees Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Settlement Cost Booklet was provided more than 3 days from the Originator Application Date Settlement Cost Booklet was provided more than 3 days from the Originator Application Date Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Property Third party AVM Confidence Score is less than 80% Third party AVM Confidence Score is less than 80% Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Initial Escrow Account Disclosure is Missing Initial Escrow Account Disclosure is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Final Loan Application is Missing Final Loan Application is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Note Document Indicator is Missing Note Document Indicator is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit DTI Exceeds AUS Maximum Allowable DTI Exceeds AUS Maximum Allowable Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance TILA Finance Charge Test TILA Finance Charge Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Second Home Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Initial Closing Disclosure Delivery Date Test Initial Closing Disclosure Delivery Date Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Hazard Insurance Effective Date is after the Note Date Hazard Insurance Effective Date is after the Note Date Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID Post-Consummation Reason for Redisclosure Validation Test TRID Post-Consummation Reason for Redisclosure Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TRID Disclosure Delivery and Receipt Date Validation Test TRID Disclosure Delivery and Receipt Date Validation Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit Final Loan Application is Missing Final Loan Application is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Escrow Waiver Disclosure is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Borrower Liabilities Verification Indicator is Partial Borrower Liabilities Verification Indicator is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance TILA Finance Charge Test TILA Finance Charge Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit CoBorrower Transcripts is Missing CoBorrower Transcripts is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Borrower Transcripts are missing Borrower Transcripts are missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Charges That Cannot Increase Test Charges That Cannot Increase Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate
XXXXX XXXXX XXX XX/XX/XXXX Compliance Reimbursement Amount Test Reimbursement Amount Test Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Debt Consolidation Proceeds used to pay off existing loans other than loans secured by real estate
XXXXX XXXXX XXX XX/XX/XXXX Property Title Issues Present Title Issues Present Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit Transmittal Summary is Missing Transmittal Summary is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Credit Transmittal Summary is Partial Transmittal Summary is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Cash Out: Other Multi purpose Unknown purpose
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party AVM to appraised value exceeds 10% allowable variance Third Party AVM to appraised value exceeds 10% allowable variance Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Property Is Completion Certificate in file is No Is Completion Certificate in file is No Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Rate Term Refinance Borrower initiated
XXXXX XXXXX XXX XX/XX/XXXX Credit Liquid Reserves (Dollar Amount) are less than AUS Minimum Required Liquid Reserves (Dollar Amount) are less than AUS Minimum Required Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit Insufficient cash to close. Insufficient cash to close. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit Asset Documents are Incomplete Asset Documents are Incomplete Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance No Compliance Findings No Compliance Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Credit No Credit Findings No Credit Findings Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Limited Cash Out (GSE Definition)
XXXXX XXXXX XXX XX/XX/XXXX Credit Borrower Liabilities Verification Indicator is Partial Borrower Liabilities Verification Indicator is Partial Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied Other than first time Home Purchase
XXXXX XXXXX XXX XX/XX/XXXX Compliance Consumer Credit Contracts  XXX. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided Consumer Credit Contracts  XXX. Civ. Code § 1799.91 - Cosigner Notice Disclosure was not provided Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Escrow Waiver Disclosure is Missing Escrow Waiver Disclosure is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Property Third Party Valuation Product not Provided Third Party Valuation Product not Provided Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)
XXXXX XXXXX XXX XX/XX/XXXX Compliance Cosigner Notice Disclosure is Missing Cosigner Notice Disclosure is Missing Cleared 1 XX/XX/XXXX XX/XX/XXXX XXX Owner occupied First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years)

 

 


 

GS Mortgage-Backed Securities Trust 2022-MM1 ABS-15G

 

Exhibit 99.1 - Schedule 4

 

 

  Origination Values Automated Valuation Model Desk Review Second Desk Review Field Review Second Field Review Full Appraisal Review Exterior Only Appraisal Review Broker Price Opinion Other AUS Information
Loan Number Pool ID Alternate Loan Number Original Loan Amount Sales Price Value for LTV LTV Appraised Date Appraised Value Review Type Secondary Appraised Date Secondary Appraised Value Secondary Review Type Report Date Value Variance Amount Variance % Report Date Value Variance Amount Variance %  Report Date  Value Variance Amount Variance % Report Date Value Variance Amount Variance % Report Date Value Variance Amount  Variance % Report Date Value Variance Amount Variance % Report Date  Value Variance Amount Variance % Report Date Value Variance Amount Variance %  Valuation Type Report Date Value Variance Amount Variance % CUSCORE ISELIGIBLEFORREPANDWARRANTRELIEF
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX -1.79%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 465   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX -3.45%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX -0.42%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX -0.02%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70     XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70     XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1073   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX -0.09%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1073   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX -9.33%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX -1.84%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX -5.94%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 17.13%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX -5.56%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1073   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX -0.07%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1073   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1025   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1073   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.07%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70     XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70     XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1073   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1073   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1073   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1073 XX/XX/XXXX $XXXX Form 1073 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX -0.21%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70     XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1073   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.61%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70     XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70     XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70     XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70     XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1073   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX -2.20%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1073   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX -9.69%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1073   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX URAR Form 1004 Form 70 XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX  
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70     XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70     XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70     XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70     XXXX Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX Form 1073   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX -1.07% XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70     XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Not Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible
XXXXX   XXXXX $XXX $XXXX XX% XX/XX/XXXX $XXXX URAR Form 1004 Form 70   XX/XX/XXXX $XXXX $XXXX 0.00%   XXXX Eligible

 

 


GS Mortgage-Backed Securities Trust 2022-MM1 ABS-15G

Exhibit 99.1 - Schedule 5

GS Loan Number Loan Number Primary Servicer Servicing Fee-Percentage Servicing Fee-Flat Dollar Servicing Advance Methodology Originator Loan Group Amortization Type Lien Position HELOC Indicator Loan Purpose Cash Out Amount Total Origination and Discount Point in Dollars Covered/High Cost Loan Indicator Relocation Loan Indicator Broker Indicator Channel Escrow Indicator Senior Loan Amount(s) Loan Type of Most Senior Lien Hybrid Period of Most Senior Lien in Months Neg Am Limit of Most Senior Lien Junior Mortgage Balance Origination Date of Most Senior Lien Origination Date Original Loan Amount Original Interest Rate Original Amortization Term Original Term to Maturity First Payment Date of Loan Interest Type Indicator Original Interest Only Term Buy Down Period HELOC Draw Period Current Loan Amount Current Interest Rate Current Payment Amount Due Current Payment Status Index Type ARM Look Back Days Gross Margin ARM Round Flag ARM Round Factor Initial Fixed Rate Period Initial Interest Rate Cap Change Up Initial Interest Rate Cap Change Down Subsequent Interest Rate Reset Period Subsequent Interest Rate Change Down Subsequent Interest Rate Cap Change Up Lifetime Maximum Rate Ceiling Lifetime Minimum Rate Floor Negative Amortization Limit Initial Negative Amortization Recast Period Subsequent Negative Amortization Recast Period Initial Fixed Payment Period Subsequent Payment Reset Period Initial Periodic Payment Cap Subsequent Periodic Payment Cap Initial Minimum Payment Reset Period Subsequent Minimum Payment Reset Period Option ARM Indicator Options at Recast Initial Minimum Payment Current Minimum Payment Prepayment Penalty Calculation Type Prepayment Penalty Type Prepayment Penalty Total Term Prepayment Penalty Hard Term Primary Borrower ID Number of Mortgaged Properties Total Number of Borrowers Self-employment Flag Current Other Monthly Payment Length of Employment: Borrower Length of Employment: Co-Borrower Years in Home FICO Model Used Most Recent FICO Date Primary Wage Earner Original FICO: Equifax Primary Wage Earner Original FICO: Experian Primary Wage Earner Original FICO: TransUnion Secondary Wage Earner Original FICO: Equifax Secondary Wage Earner Original FICO: Experian Secondary Wage Earner Original FICO: TransUnion Most Recent Primary Borrower FICO Most Recent Co-Borrower FICO Most Recent FICO Method Vantage Score: Primary Borrower Vantage Score Co-Borrower Most Recent Vantage Score Method Vantage Score Date Credit Report: Longest Trade Line Credit Report: Maximum Trade Line Credit Report: Number of Trade Lines Credit Line Usage Ratio Most Recent 12-month Pay History Months Bankruptcy Months Foreclosure Primary Borrower Wage Income Co-Borrower Wage Income Primary Borrower Other Income Co-Borrower Other Income All Borrower Wage Income All Borrower Total Income 4506-T Indicator Borrower Income Verification Level Co-borrower Income Verification Borrower Employment Verification Co-borrower Employment Verification Borrower Asset Verification Co-borrower Asset Verification Liquid/Cash Assets Monthly Debt All Borrowers Originator DTI Fully Indexed Rate Qualification Method Percentage of Down Payment from Borrower Own Funds City State Postal Code Property Type Occupancy Sales Price Original Appraised Property Value Original Property Valuation Type Original Property valuation date Original Automated Valuation Model AVM Model Name Original AVM Confidence Score Most Recent Property Value Most Recent Property Valuation Type Most Recent Property Valuation Date Most Recent AVM Model Name Most Recent AVM Confidence Score Original CLTV Original LTV Original Pledged Assets Mortgage Insurance Company Name Mortgage Insurance Percent MI: Lender or Borrower paid? Pool Insurance Co. Name Pool Insurance Stop Loss % MI Certificate Number Updated DTI(Front-end) Updated DTI(Back-end) Modification Effective Payment Date Total Capitalized Amount Total Deferred Amount Pre-Modification Interest Note Rate Pre-Modification P&I Payment Pre-Modification Initial Interest Rate Change Downward Cap Pre-Modification Subsequent Interest Rate Cap Pre-Modification Next Interest Rate Change Date Pre-Modification I/O Term Forgiven Principal Amount Forgiven Interest Amount Number of Modifications Real Estate Interest Community Ownership Structure Year of Manufacture HUD Code Compliance Indicator (Y/N) Gross Manufacturer's Invoice Price LTI (Loan-to-Invoice) Gross Net Manufacturer's Invoice Price LTI (Net) Manufacturer Name Model Name Down Payment Source Community/Related Party Lender (Y/N) Defined Underwriting Criteria (Y/N) Chattel Indicator Primary Borrower Representative FICO  Secondary Borrower Representative FICO  Qualifying Loan FICO  Originator DTI-Back End  Originator DTI-Front End  Property Address Maturity Date Borrower First Name Borrower Last Name Co Borrower First Name Co Borrower Last Name Flood Certificate Number FEMA Flood Zone Appraisal Type Appraisal Date TILA Status Application Date Points and Fees Rate Lock Date Loan APR B1 Employment Indicator B2 Employment Indicator Borrower Citizenship CoBorrower Citizenship Residual Income Borrower Years in Field Co-Borrower Years in Field PITIA On Financed Properties PITIA On Subject Property Non Occupant Months Reserves Borrower is FTHB Co Borrower is FTHB Ownership Type Deed In Lieu Flag Short Sale in Last 4 Years Loan Mod Collections > 5K 4506-T FTHB Previous Rent FTHB Min 3 Years Employment History CUSCORE ISELIGIBLEFORREPANDWARRANTRELIEF
XXXX XXXX XXXX UNK 1 1 0 4 XXXX 3870.00 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 7 2 1 XXXX XXXX XXXX 14.00 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 271 57547 8 0.34 XXXX XXXX XXXX XXXX XXXX XXXX 1 5 4 3 3 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX 7 1 XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 3870 XXXX XXXX Self-Employed Self-employed US Citizen US Citizen 6 9 XXXX XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX Not Eligible
XXXX XXXX XXXX UNK 1 1 0 7 2932.50 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 2 2 0 XXXX XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 33 31125 15 0.55 XXXX XXXX XXXX XXXX XXXX XXXX 0 5 1 3 1 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 1 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone VE 3 XXXX Safe Harbor QM (APOR) XXXX 2932.5 XXXX XXXX Employed Not employed US Citizen US Citizen 15 XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX
XXXX XXXX XXXX UNK 1 1 0 7 1695.00 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 3 2 1 XXXX XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 188 71600 13 0.03 XXXX XXXX XXXX XXXX XXXX XXXX 1 5 5 3 3 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 7 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 1695 XXXX XXXX Self-Employed Self-employed US Citizen US Citizen XXXX 25 26 XXXX XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX
XXXX XXXX XXXX UNK 1 1 0 7 2712.89 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 2 2 1 XXXX XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 198 33000 5 0.27 XXXX XXXX XXXX XXXX XXXX XXXX 0 5 5 3 3 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 1 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 2712.89 XXXX XXXX Self-Employed Self-employed US Citizen US Citizen XXXX 23 22 XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX Not Eligible
XXXX XXXX XXXX UNK 1 1 0 7 2190.00 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 1 1 0 XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX 3 13 33989 8 0.85 XXXX XXXX XXXX XXXX 0 4 3 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 1 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 2190 XXXX XXXX Employed Permanent Resident Alien XXXX 20 XXXX No XXXX XXXX Fee Simple No No No 1 No XXXX Eligible
XXXX XXXX XXXX UNK 1 1 0 7 8359.25 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 1 1 1 XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX 3 245 87677 15 0.01 XXXX XXXX XXXX XXXX 0 4 3 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 7 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 8359.25 XXXX XXXX Self-Employed US Citizen XXXX 20 XXXX No XXXX XXXX Fee Simple No No No 1 No XXXX Not Eligible
XXXX XXXX XXXX UNK 1 1 0 7 7290.00 0 0 0 1 0 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 1 2 1 XXXX XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 335 19000 9 0.64 XXXX XXXX XXXX XXXX XXXX XXXX 0 5 5 3 3 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 3 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 7290 XXXX XXXX Self-Employed Self-employed US Citizen US Citizen XXXX 20 7 XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX Not Eligible
XXXX XXXX XXXX UNK 1 1 0 7 1695.00 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 2 2 1 XXXX XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 395 500000 3 0.13 XXXX XXXX XXXX XXXX XXXX XXXX 1 5 5 3 3 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 7 2 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone AE 3 XXXX Safe Harbor QM (APOR) XXXX 1695 XXXX XXXX Self-Employed Employed US Citizen US Citizen 27 25 XXXX XXXX Yes XXXX XXXX XXXX Fee Simple No No No 1 No XXXX Not Eligible
XXXX XXXX XXXX UNK 1 1 0 7 2190.00 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 2 2 1 XXXX XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 215 21500 2 0.23 XXXX XXXX XXXX XXXX XXXX XXXX 0 4 1 3 1 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 1 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 2190 XXXX XXXX Self-Employed Not employed US Citizen US Citizen 14 XXXX XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX Not Eligible
XXXX XXXX XXXX UNK 1 1 0 7 2190.00 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 2 2 0 XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 379 33000 9 0.08 XXXX XXXX XXXX XXXX XXXX XXXX 0 1 4 1 3 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 1 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 2190 XXXX XXXX Not Employed Employed US Citizen US Citizen XXXX 22 XXXX XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX Eligible
XXXX XXXX XXXX UNK 1 1 0 7 4822.50 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 1 1 0 XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX 3 141 37799 7 0.20 XXXX XXXX XXXX XXXX 0 5 3 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 1 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 4822.5 XXXX XXXX Employed US Citizen 5.67 XXXX XXXX No XXXX XXXX Fee Simple No No No 1 No XXXX Eligible
XXXX XXXX XXXX UNK 1 1 0 7 1149.00 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 3 1 1 XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX 3 66 79307 6 XXXX XXXX XXXX XXXX 1 4 3 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 1 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 1149 XXXX XXXX Self-Employed US Citizen 5 XXXX XXXX No XXXX XXXX Fee Simple No No No 1 No XXXX Eligible
XXXX XXXX XXXX UNK 1 1 0 7 6540.00 0 0 0 1 0 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 8 1 0 XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX 3 218 30000 3 0.72 XXXX XXXX XXXX XXXX 1 4 3 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 1 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 6540 XXXX XXXX Employed US Citizen XXXX 17 XXXX XXXX No XXXX XXXX Fee Simple No No No 1 No XXXX Eligible
XXXX XXXX XXXX UNK 1 1 0 7 2190.00 0 0 0 1 0 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 2 2 1 XXXX XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 114 34700 3 0.01 XXXX XXXX XXXX XXXX XXXX XXXX 1 5 5 3 3 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 1 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 2190 XXXX XXXX Self-Employed Employed US Citizen US Citizen XXXX 2 5 XXXX XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX
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XXXX XXXX XXXX UNK 1 1 0 3 XXXX 1795.00 0 0 0 1 2 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 1 2 1 XXXX XXXX XXXX 20.25 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 23 30000 2 0.20 XXXX XXXX XXXX XXXX XXXX XXXX 0 4 4 3 3 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX 1 1 XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone AE 3 XXXX Safe Harbor QM (APOR) XXXX 1795 XXXX XXXX Self-Employed Self-employed US Citizen US Citizen 20 20 XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX Not Eligible
XXXX XXXX XXXX UNK 1 1 0 7 1795.00 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 1 2 0 XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 449 17500 5 0.0014 XXXX XXXX XXXX XXXX XXXX XXXX 0 4 4 1 1 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 7 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 1795 XXXX XXXX Retired/SSI Retired/SSI US Citizen US Citizen XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX
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XXXX XXXX XXXX UNK 1 1 0 7 2190.00 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 1 2 0 XXXX XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 93 47000 9 0.04 XXXX XXXX XXXX XXXX XXXX XXXX 0 5 4 3 3 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 7 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 2190 XXXX XXXX Employed Employed US Citizen US Citizen 7 1 XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX
XXXX XXXX XXXX UNK 1 1 0 1 XXXX 29538.75 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 4 1 0 XXXX XXXX 1.00 1 XXXX XXXX XXXX XXXX XXXX 3 340 56312 13 0.26 XXXX XXXX XXXX XXXX 1 4 3 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX 1 1 XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 29538.75 XXXX XXXX Employed US Citizen 10 XXXX XXXX No XXXX XXXX Fee Simple No No No 1 No XXXX Eligible
XXXX XXXX XXXX UNK 1 1 0 6 2190.00 0 0 0 1 0 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 1 1 0 XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX 3 120 681310 5 0.12 XXXX XXXX XXXX XXXX 0 4 3 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 1 1 XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 2190 XXXX XXXX Employed US Citizen 14 XXXX No XXXX XXXX Fee Simple No No No 1 3200 Yes XXXX Not Eligible
XXXX XXXX XXXX UNK 1 1 0 6 3697.02 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 1 1 0 XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX 3 128 25200 7 0.08 XXXX XXXX XXXX XXXX 0 4 3 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 7 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 3697.02 XXXX XXXX Employed US Citizen 2.73 XXXX No XXXX XXXX Fee Simple No No No 1 3600 No XXXX Not Eligible
XXXX XXXX XXXX UNK 1 1 0 9 2190.00 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 2 2 1 XXXX XXXX XXXX 1.25 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 487 45600 8 0.39 XXXX XXXX XXXX XXXX XXXX XXXX 0 4 5 3 3 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX 1 1 XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 2190 XXXX XXXX Self-Employed Employed US Citizen US Citizen 23 6 XXXX XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX Eligible
XXXX XXXX XXXX UNK 1 1 0 3 XXXX 7448.20 0 0 0 1 0 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 3 2 0 XXXX XXXX XXXX 4.00 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 216 45000 14 0.13 XXXX XXXX XXXX XXXX XXXX XXXX 0 5 5 3 3 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX 7 1 XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 7448.2 XXXX XXXX Employed Employed US Citizen US Citizen 16 10 XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX Not Eligible
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XXXX XXXX XXXX UNK 1 1 0 7 5565.00 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 2 2 0 XXXX XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 616 64850 7 0.06 XXXX XXXX XXXX XXXX XXXX XXXX 0 5 1 3 1 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 1 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 5565 XXXX XXXX Employed Not employed US Citizen US Citizen 30 XXXX XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX Not Eligible
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XXXX XXXX XXXX UNK 1 1 0 7 2190.00 0 0 0 1 0 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 1 1 0 XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX 3 245 54303 13 0.02 XXXX XXXX XXXX XXXX 0 5 3 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 7 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 2190 XXXX XXXX Employed US Citizen 12 XXXX No XXXX XXXX Fee Simple No No No 1 No XXXX Not Eligible
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XXXX XXXX XXXX UNK 1 1 0 7 9645.00 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 4 1 0 XXXX XXXX 0.00 1 XXXX XXXX XXXX XXXX XXXX 3 163 33000 5 0.02 XXXX XXXX XXXX XXXX 0 5 3 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX 7 1 XXXX XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 9645 XXXX XXXX Employed US Citizen 28.25 XXXX XXXX No XXXX XXXX Fee Simple No No No 1 No XXXX Not Eligible
XXXX XXXX XXXX UNK 1 1 0 9 11695.00 0 0 0 1 0 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 1 1 0 XXXX XXXX 1.17 1 XXXX XXXX XXXX XXXX XXXX 3 243 45000 12 0.00 XXXX XXXX XXXX XXXX 0 5 3 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX 7 1 XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 11695 XXXX XXXX Employed US Citizen 11.17 XXXX No XXXX XXXX Fee Simple No No No 1 No XXXX Eligible
XXXX XXXX XXXX UNK 1 1 0 9 9536.00 0 0 0 1 4 XXXX XXXX XXXX XXXX XXXX XXXX 2 000 0 XXXX 1 2 0 XXXX XXXX XXXX 4.42 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 156 53200 5 0.31 XXXX XXXX XXXX XXXX XXXX XXXX 0 5 1 3 1 4 4 XXXX XXXX XXXX 1 XXXX XXXX XXXX 7 1 XXXX 3 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zone X 3 XXXX Safe Harbor QM (APOR) XXXX 9536 XXXX XXXX Employed Not employed US Citizen US Citizen 9.08 XXXX No XXXX XXXX XXXX Fee Simple No No No 1 No XXXX Eligible


 

GS Mortgage-Backed Securities Trust 2022-MM1 ABS-15G

 

Exhibit 99.1 - Schedule 6

 

 

GS Loan Number Seller Loan ID Field ID Original Field Value Audit Value Data Compare

 

 

 

GS Mortgage-Backed Securities Trust 2022-MM1 ABS-15G

 

Exhibit 99.1 - Schedule 7

 

 

Gs Loan Number Loan Number Investor loan Number Client Loan Number DBRS Initial Credit Grade S&P Initial Credit Grade Fitch Initial Credit Grade Moodys Initial Credit Grade DBRS Initial Compliance Grade S&P Initial Compliance Grade Fitch Initial Compliance Grade Moodys Initial Compliance Grade DBRS Initial Valuation Grade S&P Initial Valuation Grade Fitch Initial Valuation Grade Moodys Initial Valuation Grade DBRS Initial Overall Grade S&P Initial Overall Grade Fitch Initial Overall Grade Moodys Initial Overall Grade DBRS Final Credit Grade S&P Final Credit Grade Fitch Final Credit Grade Moodys Final Credit Grade DBRS Final Compliance Grade S&P Final Compliance Grade Fitch Final Compliance Grade Moodys Final Compliance  Grade DBRS Final Valuation Grade S&P Final Valuation Grade Fitch Final Valuation Grade Moodys Final Valuation Grade DBRS Final Overall Grade S&P Final Overall Grade Fitch Final Overall Grade Moodys Final Overall Grade
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D C C C C A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C B B B B A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C D D D D D D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D D D D D A A A A D D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D C C C C A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A C D D D C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A C C C C C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A B B B B A A A A B B B B A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A C C C C C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A C C C C C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C D D D A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C D D D A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C D D D A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A C C C C C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D C C C C A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A D D D D D D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A C C C C C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C C D D D A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A D D D D D D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX B B B B A A A A A A A A B B B B A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C D D D A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A C C C C C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C D D D A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D B B B B A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A C C C C C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D C D D D A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A C C C C C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A D D D D D D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D C C C C A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D C D D D A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C D D D D D D D D D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D C D D D A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C C C C C C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A B B B B D D D D D D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C D D D A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A C C C C C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D B B B B A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C A A A A A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A C C C C C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A C C C C C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D C D D D A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C C C C C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D C D D D A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D C C C C A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A C C C C C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A C C C C C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C C C C A A A A C C C C A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX C D D D A A A A A A A A C D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A C D D D D D D D D D D D A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXX XXXX   XXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A